Kansas Life & Health Insurance Exam 2026

Welcome to your FREE Kansas Life & Health Insurance exam preparation guide. This comprehensive study resource covers Kansas-specific insurance laws, regulations, and requirements you need to pass your state licensing exam.

Note: This guide covers Kansas state-specific content. You should also study national Life & Health insurance concepts, as the majority of the exam tests general insurance knowledge.

Why Get Licensed in Kansas?

Kansas offers unique advantages for insurance professionals:

• No Pre-License Education: Direct path to taking the licensing exam
• Lower CE Requirements: Only 18 hours every 2 years (lower than most states)
• Agricultural Economy: Strong demand for farm family insurance products
• Growing Suburban Markets: Kansas City metro and Wichita area opportunities
• Central Location: Gateway to Midwest insurance markets
• Business-Friendly: Lower regulatory burden than many states
• Affordable Entry: Lower exam and licensing fees

What This Guide Covers

This FREE study guide includes:

• Kansas Insurance Law & Regulations - Kansas Insurance Department structure, Kansas Statutes, producer licensing
• Life Insurance - Kansas-specific provisions, policy requirements, beneficiary rules
• Health Insurance - State mandates, consumer protections, continuation rights
• Licensing Requirements - Application process, exam structure, CE requirements
• Practice Questions - Quiz questions with detailed explanations in each chapter

Exam Format & Requirements

Pre-License Education

Kansas does NOT require pre-licensing education for Life & Health insurance. This means you can take the licensing examination without purchasing exam preparation study materials or participating in a study course.

However, most successful candidates complete a preparatory course covering:

• General insurance concepts and principles
• Life insurance products and policies
• Health insurance types and coverage
• Kansas insurance laws and regulations
• Ethics and professional conduct

Exam Tip: While Kansas doesn't require pre-licensing education, the exam is comprehensive. Most insurance professionals opt to take a pre-license education course online to strengthen their chances of passing on the first attempt.

Exam Structure

Exam Costs (2026)

• Combined Life, Accident & Health Exam: $67
• Single Line Exam (Life or Health): $54
• Fingerprint-Based Background Check: $60 (via Pearson VUE)
• License Application Fee: $30
• NIPR Transaction Fee: $5.60
• Total Initial Cost: Approximately $160-$170

Retake Policy

If you fail the Kansas life or health insurance exam:

• You must wait at least 24 hours before scheduling a retake
• You must wait at least 7 calendar days between exam attempts
• You may take the exam as many times as needed

Application Process

Steps to Get Licensed

1. Study and Prepare: Complete recommended exam prep course (not required but recommended)
2. Complete Fingerprinting: At Pearson VUE locations in Overland Park, Topeka, or Wichita ($60)
3. Schedule Exam: Book with Pearson VUE online or by phone
4. Pass Exam: Score 70% or higher
5. Submit Application: Apply through NIPR
6. Pay Fees: $30 application fee + $5.60 transaction fee
7. Receive License: Kansas Insurance Department issues license

Fingerprinting Requirement

Kansas requires fingerprint impressions for all unlicensed applicants for state and national criminal history background checks:

• Locations: Pearson VUE testing centers in Overland Park, Topeka, and Wichita
• Fee: $60
• Purpose: State and national criminal history background check

Exam Content Areas

National Content (Life Insurance)

1. General Insurance Concepts (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest and indemnity
   • Insurance company operations

2. Life Insurance Products (30-35%)

   • Term life insurance types
   • Whole life and permanent insurance
   • Universal and variable life
   • Annuities and retirement products

3. Life Insurance Policy Provisions (25-30%)

   • Standard policy provisions
   • Optional provisions and riders
   • Beneficiary designations
   • Settlement options

4. Life Insurance Underwriting & Taxation (15-20%)

   • Underwriting basics
   • Tax treatment of life insurance
   • Business uses of life insurance
   • Estate planning concepts

National Content (Accident & Health)

1. General Insurance Concepts (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest principles

2. Health Insurance Products (30-35%)

   • Medical expense insurance
   • Disability income insurance
   • Long-term care insurance
   • Medicare and Medicaid

3. Health Insurance Policy Provisions (25-30%)

   • Mandatory and optional provisions
   • Policy riders and endorsements
   • Renewal provisions
   • Claims procedures

4. Group Health Insurance (15-20%)

   • Group plan characteristics
   • COBRA and continuation rights
   • ERISA requirements
   • ACA compliance

Kansas State Content

The Kansas-specific portion covers:

1. Kansas Insurance Department

   • Department structure and authority
   • Commissioner of Insurance powers
   • Kansas Insurance Statutes
   • Regulatory oversight and enforcement

2. Kansas Producer Licensing

   • Licensing requirements and process
   • Lines of authority
   • Continuing education requirements (18 hours every 2 years)
   • License renewal procedures

3. Kansas Life Insurance Laws

   • Policy delivery requirements
   • Free look period requirements
   • Beneficiary designation rules
   • Policy replacement regulations
   • Standard policy provisions

4. Kansas Health Insurance Laws

   • State health insurance mandates
   • Kansas continuation rights
   • Individual and group market rules
   • Medicare supplement regulations

5. Kansas Insurance Trade Practices

   • Unfair trade practices
   • Prohibited practices and penalties
   • Consumer protection laws
   • Claims handling requirements

License Maintenance & Continuing Education

CE Requirements

• Total Hours: 18 hours every 2 years (lower than most states)
• Ethics Requirement: 3 hours of ethics CE required
• Deadline: CE must be completed before license expiration

License Renewal

• Renewal Period: Every 2 years
• Renewal Process: Through NIPR
• Late Renewal: Additional fees and potential license lapse

Reporting Requirements

• Report address changes promptly
• Report administrative actions within required timeframe
• Maintain records for required period

Study Strategy

Recommended Study Plan

Week 1-2: National L&H Fundamentals

• Insurance principles and terminology
• Life insurance products and policies
• Health insurance coverages
• Policy provisions and contract law

Week 3: Kansas-Specific Content

• Kansas Insurance Department structure
• State insurance statutes
• Producer licensing requirements
• Consumer protection laws

Week 4: Practice & Review

• Take practice exams
• Review missed questions
• Focus on weak areas
• Memorize key numbers and dates

Key Numbers to Memorize

Exam Requirements

• Passing Score: 70%
• Combined Exam Fee: $67
• Single Line Exam Fee: $54
• Retake Waiting Period: 7 days minimum

Licensing Requirements

• Pre-License Education: NOT required
• Application Fee: $30 + $5.60 transaction fee
• Fingerprinting: $60

Continuing Education

• CE Hours: 18 hours every 2 years
• Ethics Hours: 3 hours required

Kansas Insurance Resources

Official Resources

• Kansas Insurance Department: insurance.kansas.gov
• Producer Examinations: insurance.kansas.gov/producer-examinations
• Pearson VUE Exam Information: pearsonvue.com
• NIPR Licensing Portal: nipr.com

Important Contacts

Kansas Insurance Department

• Address: 1300 SW Arrowhead Road, Topeka, KS 66604
• Phone: (785) 296-3071
• Website: insurance.kansas.gov

Pearson VUE Testing

• Website: pearsonvue.com
• Phone: (800) 274-2609
• Kansas Locations: Overland Park, Topeka, Wichita

Getting Started

This study guide is organized into chapters covering Kansas-specific requirements:

Chapter 1: Kansas L&H Regulation & Licensing

• Kansas Insurance Department structure
• Producer licensing requirements
• Continuing education requirements
• Application process

Chapter 2: Kansas Life Insurance

• State policy requirements
• Free look and replacement rules
• Beneficiary provisions
• Group life insurance

Chapter 3: Kansas Health Insurance

• State health mandates
• Kansas continuation rights
• Medicare supplement regulations
• Long-term care requirements

Chapter 4: Kansas Ethics & Professional Conduct

• Unfair trade practices
• Producer duties to clients
• Claims handling requirements
• Record keeping and documentation

Ready to start? Begin with Chapter 1 to learn about Kansas's regulatory structure and licensing requirements.

Disclaimer

This study guide is for educational purposes only and reflects Kansas insurance laws and regulations as of January 2026. Insurance laws change frequently. Always verify current requirements with the Kansas Insurance Department before relying on any information for licensing or business decisions.

Good luck on your Kansas Life & Health insurance exam!