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197+ Free KS Property & Casualty Practice Questions

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Which Kansas agency has primary authority to regulate property and casualty insurers and producers?

A
B
C
D
to track
2026 Statistics

Key Facts: KS Property & Casualty Exam

154 (140 + 14)

Total Questions

Pearson VUE KS content outline (effective Mar 1, 2025)

150 min

Exam Time

Pearson VUE Kansas candidate handbook

70%

Passing Score

Pearson VUE Kansas candidate handbook

$64

Exam Fee

Pearson VUE Kansas candidate handbook fee table

No prelicense hours

Before Exam

Kansas Insurance Department producer exams guidance

25/50/25 + PIP

KS Auto Framework

K.S.A. 40-3107 and K.S.A. 40-3103

Pearson VUE lists Kansas exam 12-KS-06 at 154 total questions (140 scored + 14 pretest), 150 minutes, 70% passing, and a $64 fee. Kansas does not require prelicense education before testing, but resident applicants must satisfy post-exam licensing steps including tax-clearance requirements. The current published Kansas content outline is effective March 1, 2025 and weights property/casualty national concepts heavily, with a meaningful Kansas-law component.

Sample KS Property & Casualty Practice Questions

Try these sample questions to test your KS Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 197+ question experience with AI tutoring.

1Which Kansas agency has primary authority to regulate property and casualty insurers and producers?
A.Kansas Department of Banking and Finance
B.Kansas Insurance Department (KID)
C.Kansas Secretary of State Professional Licensing Boards
D.Kansas Department of Revenue
Explanation: The Kansas Insurance Department (KID) is the state insurance regulator. It oversees licensing, market conduct, and insurer solvency under Kansas insurance law. The other agencies do not serve as Kansas's primary insurance regulator.
2In Kansas, insurance statutes are primarily found in which legal source?
A.Title 16 of the K.S.A.
B.Title 25 of the K.S.A.
C.K.S.A. Chapter 40
D.Title 50 of the K.S.A.
Explanation: Kansas insurance statutes are codified primarily in K.S.A. Chapter 40. Candidates should recognize Kansas statute citations as a core part of state-law questions. This helps distinguish Kansas-specific items from national policy-form questions on the exam.
3What is the current fee to sit for the Kansas Property and Casualty producer exam through Pearson VUE?
A.$49
B.$64
C.$75
D.$95
Explanation: Pearson VUE materials list the Kansas P&C exam fee at $64 per attempt. This testing fee is separate from licensing application costs. Candidates should still confirm current pricing at scheduling in case vendor updates occur.
4Kansas prelicense guidance for P&C commonly presents which course pathway before testing?
A.No prelicense education requirement (0 hours)
B.12 hours property plus 12 hours casualty
C.20 hours property only
D.No prelicense education is referenced
Explanation: Kansas does not impose a mandatory prelicense education requirement for P&C licensing candidates. Applicants can schedule the exam without first completing a state-required classroom hour minimum. Many candidates still use prep courses for structure, but that is optional.
5How many continuing education hours must a Kansas resident producer complete each 2-year cycle, and how many must be ethics?
A.20 total, including 2 ethics
B.24 total, including 3 ethics
C.18 total, including 3 ethics
D.30 total, including 3 ethics
Explanation: Kansas requires 18 hours of CE each biennial cycle, including 3 hours of ethics. This applies to resident producers and is a core Kansas licensing rule. Missing the ethics component can still create a renewal compliance problem even if total hours are met.
6Kansas producer license renewal timing is generally tied to which schedule?
A.Calendar year end for all licensees
B.Every two years from first appointment date
C.A cycle tied to the producer's birth month
D.Every odd-numbered year only
Explanation: Kansas ties renewal cycles to the producer's birth month schedule. That timing drives CE completion and license renewal planning. Producers who rely on a calendar-year assumption can miss Kansas deadlines.
7A Kansas resident producer applicant must usually provide which legal-presence documentation item with the license application?
A.A corporate surety bond only
B.A Certificate of Tax Clearance from the Kansas Department of Revenue
C.A county business license only
D.A social media identity verification form
Explanation: Kansas resident licensing emphasizes submitting a Certificate of Tax Clearance through the approved process before license issuance. Passing the exam alone does not complete all resident licensing requirements. Missing tax-clearance documentation can delay or block issuance.
8Which statement best describes nonresident producer licensing in Kansas?
A.Nonresident applicants must complete Kansas prelicense classroom hours
B.Nonresident applicants must hold an active home-state license and apply for Kansas nonresident authority
C.Nonresident applicants are exempt from all background checks
D.Nonresident applicants can transact insurance in Kansas without any Kansas license
Explanation: Kansas generally uses reciprocity principles for nonresident licensing. An applicant with active home-state authority can apply for a Kansas nonresident license rather than complete Kansas resident prelicensing. However, they still must be properly licensed in Kansas before transacting business in the state.
9Which action is most likely to trigger Kansas administrative discipline against a producer?
A.Advertising only one insurer
B.Completing CE early
C.Transacting insurance with a lapsed license
D.Specializing in commercial lines only
Explanation: Transacting insurance without an active license is a serious compliance violation in Kansas. The KID can impose administrative penalties, including suspension or revocation. License status must be active before solicitation, negotiation, or sale.
10Who selects the Kansas Insurance Commissioner?
A.The Governor of Kansas
B.Kansas voters in a statewide election
C.The Kansas Supreme Court
D.The NAIC Executive Committee
Explanation: Kansas's Insurance Commissioner is elected statewide by voters. This differs from states where the commissioner is appointed by the governor. The elected structure is commonly tested in Kansas-specific regulation questions.

About the KS Property & Casualty Exam

Kansas uses one combined Property & Casualty producer exam (code 12-KS-06) that blends national policy fundamentals with Kansas licensing, producer conduct, and state insurance law. Kansas-specific questions emphasize KID authority, producer compliance, no-fault auto and PIP framework, and workers compensation basics.

Questions

154 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

70%

Exam Fee

$64 (Kansas Insurance Department / Pearson VUE)

KS Property & Casualty Exam Content Outline

36%

National Property Content

General insurance concepts, property policy terms/provisions, and homeowners/commercial property fundamentals from national scored sections

36%

National Casualty Content

Casualty terms/provisions, personal and commercial auto, liability concepts, workers compensation, and surety fundamentals from national scored sections

14%

Kansas General Insurance Law

Kansas Insurance Department authority, producer licensing framework, continuing education, and unfair-practice rules

14%

Kansas Property/Casualty State Law

Kansas line-specific law including no-fault/PIP structure, auto financial responsibility minimums, workers compensation triggers, and producer compliance duties

How to Pass the KS Property & Casualty Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 154 questions
  • Time limit: 2 hours 30 minutes (150 minutes)
  • Exam fee: $64

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

KS Property & Casualty Study Tips from Top Performers

1Memorize Kansas exam logistics first: 154 total questions, 150 minutes, 70% passing score, and $64 fee
2Treat every question as scored because Kansas pretest items are mixed in and not identified
3Drill Kansas law daily: KID authority, producer licensing, CE requirements, and unfair-practice prohibitions
4Lock in Kansas auto numbers and no-fault structure, including 25/50/25 liability minimums and required PIP benefits
5Use timed mixed sets to build speed across both national policy mechanics and Kansas statutes

Frequently Asked Questions

How many questions are on the Kansas Property & Casualty exam?

Kansas exam code 12-KS-06 delivers 154 total questions. Of those, 140 are scored and 14 are unscored pretest items mixed into the exam.

What score do I need to pass Kansas P&C?

Kansas uses a 70% passing standard on the scored questions. Candidates should target practice scores above 75% before test day to create a buffer.

How much time and how much does the Kansas exam cost?

The Kansas P&C exam allows 150 minutes and currently lists a $64 testing fee through Pearson VUE. Exam fees are separate from licensing application costs.

Does Kansas require prelicense classroom hours before the exam?

No. Kansas does not require prelicense education before testing for this producer line. Many candidates still use prep programs voluntarily for structure and repetition.

What Kansas-specific topics are most tested?

Expect frequent Kansas-law questions on KID authority, producer licensing and conduct rules, unfair practices, no-fault/PIP auto framework, and workers compensation requirements.

What are Kansas retake rules?

Kansas testing rules require a 7-day wait after a failed attempt before retesting. Each new attempt requires a new exam fee.