PracticeStudy GuidesBlogFlashcardsEspañol
Free AI Tutor Included•10 questions/day

Free KS Life & Health Exam Prep

Kansas Life and Accident & Health Producer (12-KS-05)

Pass your KS Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Quick Facts

5
Chapters
13
Sections
$0
Our Cost
Updated January 2026

Kansas Life & Health Insurance

National Study GuideStudy GuidePracticeFlashcardsLife Insurance Sales Mastery
65 terms2 blogs3 comparisons

Life & Health Insurance License Mastery 2025-2026: Complete Study Guide with 500 Practice Questions and Detailed Answer Explanations

$19.99 · Buy on Amazon

Flashcards on Mometrix
Your Study Path

Kansas Life & Health Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

Memorize Kansas Exam Logistics

Start with exam structure: 154 delivered questions, 150-minute limit, 70% passing score, and $64 fee so pacing and expectations are accurate.

8
hours
2

Build National Life and Health CoreYou are here

Focus on life products, annuities, health policy structures, social insurance, and policy provisions because national content is the largest scored share.

30
hours
3

Master Kansas Producer Law and Compliance

Drill KID authority, licensing/maintenance rules, unfair practices, and Kansas common-law topics that drive the largest state-law section.

20
hours
4

Finish with Kansas Line-Specific Law

Run targeted practice for Kansas life replacement/annuity standards and Kansas health topics like Med Supp, LTC, continuation, and ACA-tested concepts.

18
hours
Estimated total study time
76 hours
That's about 8 weeks at 10 hours/week

Can You Take the KS Life & Health Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old for resident producer licensing
Education
No prelicensing education hour minimum is required before scheduling the exam
Background Check
Kansas resident workflow includes fingerprint/background and waiver requirements
Additional Requirements
  • •Pass exam 12-KS-05 with at least a 70% score
  • •Submit Kansas tax clearance for resident licensing workflow
  • •Exam scores are valid for 2 years
  • •After licensure, complete 24 CE hours every 2 years including 3 ethics (effective Jan 1, 2025)
  • •Report address/contact changes within 30 days

KS Life & Health Quick Facts

Time to Get Licensed

4-8 weeks for most candidates

From start to license in hand

Exam Provider

Pearson VUE

Remote Testing Available
Schedule Your Exam

Retake Policy

Kansas candidate materials require at least a 7-day wait after a failed attempt; each retake requires a new reservation and exam fee.

Total Cost Breakdown

Exam Fee$64
Fingerprint Fee$20 (digital fingerprint appointment, if applicable)
Total Estimated Cost$84+ before application and related licensing processing costs
Why Choose Us

Free KS Life & Health Prep That Actually Works

The official pass rate is Not publicly reported by KID/Pearson VUE. Our students do better.

200+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

$0 Forever

No credit card, no trial, no upsells

Compare:
Kaplan $300+•Achievable $200+•OpenExamPrep $0

What You'll Study

5 chapters covering everything you need to pass

1

Introduction: Kansas Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: Kansas Insurance Regulation & Licensing

3 sections

3

Chapter 2: Kansas Life Insurance Laws

3 sections

4

Chapter 3: Kansas Health Insurance Laws

3 sections

5

Chapter 4: Kansas Insurance Ethics & Prohibited Practices

3 sections

KS Life & Health-Specific Topics Covered

Exam code 12-KS-05 with 140 scored + 14 pretest and 150-minute timingKansas common-law weighting (18 scored) plus life-only (11) and health-only (11) sectionsKID licensing workflow: tax clearance, fingerprinting/waiver, and appointment mechanicsNo prelicensing-hour requirement before exam schedulingKansas CE update effective Jan 1, 2025: 24 total hours with 3 ethics and carryover up to 12 hoursKansas unfair trade practices under K.S.A. 40-2404 (rebating, misrepresentation, twisting, coercion, discrimination)Kansas Med Supp and LTC framework (K.A.R. 40-4-35 and K.A.R. 40-4-37 series)Kansas Life and Health Insurance Guaranty Association coverage limits and sales-use restrictions
Learn More with AI

10 free AI interactions per day

KS Life & Health Exam Details

Kansas Life and Accident & Health Producer (12-KS-05)

Administered by Kansas Insurance Department (KID) / Pearson VUE

Official Source
70%
Passing Score
154
Questions
150
Hours
$64 exam fee
Exam Fee
Study time: 60-90 hours
Prerequisites: No prelicensing-hour requirement; pass exam 12-KS-05 and complete Kansas resident licensing steps including tax clearance and fingerprint/background requirements

Exam Content Breakdown

Based on the official Kansas Insurance Department (KID) / Pearson VUE content outline

National Life and Health Core100/140 scored (~71%)

Life products and provisions, annuities, health policy structures, social insurance, underwriting, retirement/tax concepts, and field procedures

Kansas Common Insurance Law18/140 scored (~13%)

KID authority, producer licensing and maintenance, unfair practices, and Kansas Life and Health Insurance Guaranty Association framework

Kansas Life-Specific Law11/140 scored (~8%)

Life replacement, policy rights/provisions, beneficiary protections, viaticals, and annuity suitability/provisions

Kansas Health-Specific Law11/140 scored (~8%)

Individual/group health provisions, Medicare supplement, long-term care, continuation/COB, blanket insurance, and ACA-tested areas

What's Included

5 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

Connect with Ran

What's Next After the KS Life & Health?

After passing the KS Life & Health, you can pursue these career paths

Life & Health

Build national life and health fundamentals first

Kansas Property & Casualty

Add Kansas P&C authority for broader producer licensing

NMLS

Expand into mortgage licensing

KS Life & Health Exam FAQ

Official Kansas Insurance Department (KID) / Pearson VUE Resources

Verify information with these official sources

Kansas Producer Exams (KID)Kansas Producer Licensing (KID)Pearson VUE Kansas Insurance ProgramKansas Insurance Candidate Handbook (#121700)Kansas Insurance Content Outlines (#121703, effective Mar 1, 2025)KID CE Update (effective Jan 1, 2025) and carryover rulesKansas Life and Health Insurance Guaranty Association brochure (coverage summary)

More Free Resources

Apple PodcastsSpotifyYouTubeBlog & Newsletter
Loading...
No Credit Card Required

Ready to Start Your Free KS Life & Health Prep?

Join thousands of candidates who passed their exams using our free study materials.

Start Chapter 1 Free