Kansas Licensing and Continuing Education

Obtaining and maintaining a Kansas Property and Casualty insurance license requires meeting specific education, examination, and ongoing compliance requirements. These standards ensure producers have the knowledge and skills to serve Kansas consumers effectively.

Pre-Licensing Requirements

Education Requirements

Course Content Areas

Pre-licensing courses must cover:

• Insurance fundamentals and terminology
• Policy forms and coverages
• Underwriting principles
• Claims processes
• Kansas insurance laws and regulations
• Ethics and professional conduct

Application Process

1. Complete Pre-Licensing Education

   • Attend approved course provider
   • Pass course examination
   • Obtain certificate of completion

2. Submit Application

   • Complete NAIC Uniform Application
   • Submit through NIPR (National Insurance Producer Registry)
   • Pay application fees

3. Fingerprinting and Background Check

   • Schedule fingerprinting appointment
   • FBI background check conducted
   • Complete waiver agreement

4. Tax Clearance

   • Obtain Kansas Department of Revenue tax clearance
   • Confirms compliance with state tax obligations

5. Schedule and Pass Examination

   • Wait minimum 5 business days for application review
   • Schedule exam through Kansas Insurance Department eServices
   • Pass the Kansas P&C licensing examination

Kansas P&C Licensing Examination

Exam Structure

Content Areas

The Kansas P&C exam covers:

Property Insurance:

• Homeowners insurance (HO forms)
• Commercial property insurance
• Inland marine and ocean marine
• Farm and crop insurance
• Kansas property insurance laws

Casualty Insurance:

• Auto insurance (personal and commercial)
• General liability
• Workers' compensation
• Professional liability
• Kansas casualty insurance laws

General Knowledge:

• Insurance terminology
• Policy structure and provisions
• Underwriting and rating
• Claims procedures
• Ethics and regulations

Continuing Education Requirements

Biennial Requirements

Approved CE Topics

• Insurance policy analysis
• Coverage updates and changes
• Kansas regulatory updates
• Risk management
• Claims handling
• Ethics and professional conduct
• Industry trends and developments

National Flood Insurance Program (NFIP) Course

First Renewal Period Requirement:

• 3-hour NFIP course required
• Only for producers selling flood insurance
• One-time requirement
• Counts toward 18-hour CE total

License Maintenance

Keeping License Active

To maintain an active Kansas producer license:

Grounds for Disciplinary Action

The Kansas Insurance Department may discipline producers for:

• Violating insurance laws or regulations
• Fraud, dishonesty, or misrepresentation
• Misappropriation of funds
• Failure to maintain competence
• Conviction of felony or related crime
• Failure to pay child support
• Non-compliance with tax obligations
• Failure to respond to Department inquiries

Disciplinary Actions

Professional Development

Beyond Minimum Requirements

Successful Kansas producers pursue ongoing professional development:

• Professional Designations - CPCU, CIC, AAI, ARM
• Industry Conferences - State and national events
• Trade Associations - PIA, Big "I", NAIFA
• Specialized Training - Product-specific education
• Leadership Development - Management and sales skills

Exam Tip: Remember the key numbers for Kansas licensing: 12 hours pre-licensing per line, 18 hours CE every 2 years including 3 ethics hours, and complete NFIP course by first renewal if selling flood insurance.