Kansas Property & Casualty Exam Overview

Welcome to OpenExamPrep's FREE Kansas Property & Casualty Insurance exam prep guide. This comprehensive resource covers Kansas-specific regulations, licensing requirements, and state insurance laws updated for 2026.

About the Kansas P&C Exam

The Kansas Property & Casualty insurance examination is administered by Pearson VUE on behalf of the Kansas Insurance Department. Kansas is unique in having no mandatory pre-licensing education, making it one of the most accessible states for insurance licensing while still maintaining rigorous examination standards.

Exam Structure

Exam Content Breakdown

National Content (Approximately 75%):

• Property insurance principles and coverages
• Casualty and liability insurance
• Auto insurance fundamentals
• Commercial lines basics
• Insurance operations and regulations
• Policy provisions and exclusions
• Underwriting and rating concepts
• Claims handling procedures

Kansas State Content (Approximately 25%):

• Kansas Insurance Department regulations
• State-specific licensing requirements
• Kansas auto insurance requirements (25/50/25 + PIP + UM/UIM)
• Kansas property insurance laws
• State ethics and unfair trade practices
• Kansas workers' compensation
• State-specific consumer protections

Exam Tip: The exam heavily tests Kansas auto insurance requirements, especially the no-fault PIP system, mandatory UM/UIM coverage, and the elected Insurance Commissioner. These Kansas-specific topics appear frequently.

What to Bring to the Exam

Required:

• Valid government-issued photo ID (driver's license, passport, state ID)
• Pearson VUE confirmation number

Prohibited:

• Cell phones, smart watches, or electronic devices
• Study materials, notes, or reference books
• Calculators (basic calculator provided if needed)
• Food, drinks, or personal items

Exam Results

• Immediate Scoring: Results provided at the test center upon completion
• Pass: Receive passing notification and score report for license application
• Fail: Receive diagnostic report showing performance by content area
• Score Validity: Passing scores valid for 12 months for license application

Pre-Licensing Education Requirements

No Mandatory Education Required

Kansas has NO mandatory pre-licensing education requirement for Property & Casualty insurance:

• ✓ No required classroom hours
• ✓ No mandated online courses
• ✓ No approved education providers needed
• ✓ No pre-license certificates required
• ✓ Can schedule exam immediately

This makes Kansas one of the most accessible states for P&C licensing. However, the 70% passing threshold requires thorough preparation.

Recommended Study Time

Successful candidates typically invest:

• 40-60 hours of total study time
• 2-4 weeks of preparation (if studying 10-15 hours/week)
• Multiple practice exams to assess readiness
• Review of Kansas-specific laws (auto insurance, PIP, UM/UIM)
• Focus on national P&C concepts (property, casualty, commercial lines)

Study Resources (Optional but Recommended)

Exam Tip: While Kansas doesn't require pre-license courses, the 70% passing threshold means thorough preparation is essential. Most successful candidates use structured study materials and take multiple practice exams before scheduling the real exam.

License Application Process

Complete Licensing Process (Step-by-Step)

Step 1: Pass the Exam (First Priority)

• Study for Kansas P&C exam (40-60 hours recommended)
• Schedule exam with Pearson VUE at www.pearsonvue.com/ks
• Take exam at Pearson VUE test center
• Receive passing score (70%+)
• Exam results valid for 12 months

Step 2: Complete Background Check (If Required)

• Kansas may require fingerprint-based background check
• Submit fingerprints through approved vendor
• FBI and state criminal history check
• Processing time: 1-2 weeks
• Cost: Approximately $40-$50

Step 3: Submit License Application

• Apply through NIPR (National Insurance Producer Registry) at www.nipr.com
• OR apply directly through Kansas Insurance Department
• Provide passing exam score confirmation
• Include employment history (past 10 years)
• Disclose any criminal history or regulatory actions
• Pay $55 application fee

Step 4: Processing and Approval

• Kansas Insurance Department reviews application
• Background check results reviewed
• Processing time: 2-4 weeks (typically)
• Approval notification sent via email

Step 5: Receive License

• License issued electronically
• Valid for 2 years from issue date
• Renewable before expiration with continuing education

Step 6: Obtain Company Appointments

• Must be appointed by insurance company to sell policies
• Company submits appointment to Kansas Insurance Department
• Appointment fee: Varies by company
• Multiple appointments allowed

Exam Tip: Having a license does NOT authorize you to sell insurance until you're appointed by at least one insurance company. License + Appointment = Authority to sell insurance.

Total Licensing Costs

Timeline from Start to Licensed: 4-8 weeks (depending on study time and processing)

Kansas Insurance Department Overview

The Kansas Insurance Commissioner

Kansas is unique in that the Insurance Commissioner is ELECTED by Kansas voters, not appointed:

• Term: Four-year term
• Accountability: Directly accountable to Kansas citizens
• Authority: Regulates all insurance activities in Kansas
• Powers: License issuance, rate review, enforcement, consumer protection

Exam Tip: Kansas Insurance Commissioner is ELECTED, not appointed. This is a frequently tested detail that distinguishes Kansas from states with appointed commissioners.

Kansas Insurance Department Contact

Consumer Protection

The Kansas Insurance Department provides:

• Consumer complaint resolution
• Insurance fraud investigation
• Producer licensing and oversight
• Market conduct examinations
• Rate review and approval
• Educational resources for consumers

What This Guide Covers

Chapter 1: Kansas P&C Regulation & Licensing

• Kansas Insurance Department structure and authority
• Elected Insurance Commissioner powers and duties
• Producer licensing process and requirements
• Continuing education: 18 hours every 2 years (including 3 hours ethics)
• License renewal procedures
• Producer responsibilities and fiduciary duties
• Prohibited practices and penalties

Chapter 2: Kansas Property Insurance

• Homeowners insurance (HO-3 and other forms)
• Commercial property insurance
• Kansas FAIR Plan (residual market)
• Tornado and severe weather coverage (Kansas is in Tornado Alley)
• Dwelling and other structures coverage
• Personal property and loss of use
• Additional living expenses (ALE)
• Claims handling requirements
• State-specific property regulations

Chapter 3: Kansas Auto & Casualty Insurance

• Kansas auto insurance minimum requirements: 25/50/25
• Mandatory Personal Injury Protection (PIP): $4,500 minimum
• Mandatory Uninsured/Underinsured Motorist (UM/UIM): 25/50
• Kansas no-fault system for medical expenses
• Liability coverage requirements
• Physical damage coverages (comprehensive and collision)
• Commercial auto insurance
• Workers' compensation requirements
• General liability principles

Chapter 4: Kansas Ethics & Professional Conduct

• Fiduciary duties to clients
• Prohibited practices: rebating, twisting, misrepresentation
• Unfair discrimination and unfair trade practices
• Record-keeping requirements (5 years)
• Consumer protection obligations
• Professional standards and best practices
• License discipline and enforcement

Key Kansas P&C Facts to Know

Auto Insurance (Heavily Tested)

Kansas requires ALL of the following:

1. Liability: 25/50/25 ($25,000 per person bodily injury, $50,000 per accident, $25,000 property damage)
2. PIP: Minimum $4,500 (Kansas is a no-fault state)
3. UM/UIM: 25/50 (protects against uninsured and underinsured drivers)

Licensing and Continuing Education

• Pre-License Education: NONE required
• Exam Passing Score: 70%
• License Term: 2 years
• Continuing Education: 18 hours every 2 years (including 3 hours of ethics)
• CE Timing: Must be completed before license renewal

Kansas Insurance Commissioner

• Selection Method: Elected by Kansas voters (4-year term)
• Authority: Regulates insurance, licenses producers, enforces laws
• Consumer Protection: Handles complaints at (785) 296-3071

Kansas Property Insurance

• Kansas is in Tornado Alley → windstorm and hail coverage critical
• Kansas FAIR Plan: Residual market for property insurance (requires 3 prior declinations)
• Standard homeowners policies follow ISO forms (HO-3 most common)

How to Use This Guide for Maximum Success

Step 1: Read Each Chapter Thoroughly

• Take notes on key concepts
• Pay special attention to Kansas-specific requirements
• Focus on auto insurance (heavily tested)

Step 2: Complete All Quiz Questions

• Answer every quiz question
• Review explanations for both correct and incorrect answers
• Identify weak areas for additional study

Step 3: Review Key Takeaways

• Each section has 5 key takeaways
• Memorize these essential facts
• Use as quick review before exam

Step 4: Take Practice Exams

• Simulate exam conditions (timed, no notes)
• Target 90%+ consistently before scheduling real exam
• Review missed questions and understand why

Step 5: Master Kansas-Specific Content

• Auto insurance requirements (25/50/25 + PIP + UM/UIM)
• No-fault system
• Elected Insurance Commissioner
• 18 hours CE (3 ethics)
• Kansas FAIR Plan

Step 6: Schedule Your Exam

• Schedule when consistently scoring 90%+ on practice tests
• Allow 2-4 weeks of focused study
• Book exam date to create deadline motivation

Recommended Study Schedule

Week 1: Chapters 1-2 (Regulation and Property)

• Read thoroughly, complete quizzes
• Focus on Kansas Insurance Department structure
• Learn property insurance fundamentals

Week 2: Chapters 3-4 (Auto/Casualty and Ethics)

• Master Kansas auto requirements (25/50/25 + PIP + UM/UIM)
• Understand no-fault system
• Learn prohibited practices

Week 3: Practice Exams and Review

• Take full-length practice exams
• Review weak areas
• Memorize key Kansas-specific facts

Week 4: Final Review and Exam

• Quick review of all key takeaways
• Focus on Kansas auto insurance
• Take exam when ready

Success Tip: Most candidates who score 90%+ on practice exams pass the real exam on their first attempt. Don't schedule your exam until you're consistently hitting 90%+.

Exam Day Tips

The Day Before:

• Get a good night's sleep (8+ hours)
• Review key takeaways, but don't cram
• Prepare ID and confirmation number
• Plan route to test center

Exam Day Morning:

• Eat a healthy breakfast
• Arrive 30 minutes early
• Bring valid photo ID
• Stay calm and confident

During the Exam:

• Read each question carefully
• Eliminate obviously wrong answers
• Trust your preparation
• Don't second-guess yourself
• Manage your time (you have plenty)

After the Exam:

• Review results immediately
• If you pass: Begin license application process
• If you don't pass: Review diagnostic report, study weak areas, retake after 24 hours

Why Choose Kansas for P&C Licensing?

Advantages

1. No Pre-License Education: Can take exam immediately
2. Lower CE Requirements: Only 18 hours every 2 years (vs. 24 in many states)
3. Straightforward Process: Clear requirements, efficient processing
4. Reciprocity: Kansas has reciprocal agreements with many states
5. Growing Market: Kansas insurance market offers opportunities

Kansas P&C Career Opportunities

Average Kansas P&C Producer Earnings:

• Entry-level: $35,000-$50,000/year
• Experienced (3-5 years): $50,000-$80,000/year
• Top performers: $100,000+/year

Career Paths:

• Independent insurance agent
• Captive agent (State Farm, Allstate, Farmers, etc.)
• Agency owner
• Commercial lines specialist
• Risk management consultant

Free Resources

Kansas Insurance Department:

• Kansas Insurance Code: insurance.kansas.gov
• Consumer guides and brochures
• Licensing information and FAQs

OpenExamPrep:

• This FREE comprehensive study guide
• Practice questions throughout
• Key takeaways and summaries
• Updated for 2026 requirements

Ready to Get Started?

You've made the right choice by using this FREE comprehensive Kansas P&C exam prep guide. Follow the study schedule, complete all quiz questions, and you'll be ready to pass your exam and start your insurance career in Kansas.

Next Step: Begin Chapter 1 - Kansas P&C Insurance Regulation & Licensing

Good luck on your exam! 🎓