Key Takeaways
- Kentucky REQUIRES 20 hours of pre-license education per line of authority
- Pre-license course certificate valid for 1 YEAR from completion
- Must pass closed-book course certification exam with 70% or higher
- State exam scheduled through Kentucky Online Gateway (KOG) portal
- Exam fee is \$50 with unlimited retakes within 120 days
- Background check required through Kentucky Administrative Office of Courts (AOC)
Kentucky Producer Licensing Requirements
Kentucky has specific requirements for obtaining a Life and/or Accident & Health insurance license.
Pre-License Education Requirements
Pre-License Education IS Required
Kentucky REQUIRES pre-license education before taking the licensing exam:
| License Type | Required Hours |
|---|---|
| Life Insurance | 20 hours |
| Accident & Health | 20 hours |
| Combined Life & Health | 40 hours total |
Key Points:
- Must complete at DOI-approved schools
- Online study time is tracked (must complete all lessons)
- Lessons must be completed sequentially (cannot skip ahead)
- Must pass closed-book certification exam with 70% or higher
- Certificate valid for 1 YEAR from date of completion
Important: Kentucky tracks your online study time. You must complete all lessons in order before receiving your certificate of completion.
Course Content
Pre-license courses must cover:
- Insurance fundamentals
- Policy provisions and contract law
- Kentucky insurance law and regulations
- Ethics and producer responsibilities
Examination Requirements
Kentucky has a unique exam process using the state's online portal:
Kentucky Online Gateway (KOG)
| Requirement | Details |
|---|---|
| Portal | Kentucky Online Gateway (KOG) |
| Purpose | Manage application, schedule exam, track status |
| Account Required | Must set up KOG account |
| Exam Scheduling | Through KOG after DOI processes application |
Exam Details
| Exam Detail | Requirement |
|---|---|
| Exam Fee | $50 per exam |
| Passing Score | 70% |
| Retakes | Unlimited within 120 days |
| Retake Fee | $50 |
| Scheduling | Through KOG portal after application processed |
Important: You must schedule your exam through the KOG portal AFTER the Kentucky Department of Insurance processes your application. This is different from states where you schedule directly with a testing provider.
Exam Scheduling Process
- Complete Pre-License Education (20-40 hours depending on lines)
- Set Up KOG Account at Kentucky Online Gateway
- Submit Application through NIPR ($40 + $5.60 fee + $50 exam)
- Complete Background Check through AOC
- Wait for DOI Processing (up to 5 business days)
- Schedule Exam through KOG portal
- Take Exam at scheduled time
Background Check Requirements
Kentucky requires a criminal background check through the Administrative Office of the Courts:
Background Check Process
| Requirement | Details |
|---|---|
| Provider | Kentucky Administrative Office of Courts (AOC) |
| Website | courts.ky.gov |
| Processing | Typically within 24 hours |
| Validity | Report valid for 60 days |
| Fee | Paid online, non-refundable |
Steps to Complete Background Check
- Apply online at courts.ky.gov
- Pay fee online
- Receive report (typically within 24 hours)
- Report valid for 60 days
- Submit with license application
Note: Weekends and state-approved holidays may extend processing time.
Application Process
Steps to Get Licensed
| Step | Details |
|---|---|
| 1. Complete Pre-License | 20-40 hours, pass with 70%+ |
| 2. Set Up KOG Account | Kentucky Online Gateway |
| 3. Apply Through NIPR | $40 application + $5.60 fee + $50 exam |
| 4. Complete Background Check | Through AOC (courts.ky.gov) |
| 5. Wait for Processing | Up to 5 business days |
| 6. Schedule Exam | Through KOG portal |
| 7. Pass Exam | 70% passing score |
| 8. License Issued | Print through NIPR or KOG |
Application Fees
| Fee Type | Amount |
|---|---|
| Application | $40 |
| Transaction Fee | $5.60 |
| Exam Fee | $50 |
| Per Line of Authority | $40 each additional |
Does Kentucky require pre-license education?
How long is a Kentucky pre-license certificate valid?
Where do you schedule the Kentucky insurance licensing exam?
How many times can you retake the Kentucky licensing exam within 120 days?
What is the exam fee in Kentucky?