200+ Free KY Life & Health Practice Questions
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Key Facts: KY Life & Health Exam
50
Life Outline Questions
Kentucky life exam outline (updated 5/18/2021)
50
Health Outline Questions
Kentucky health exam outline (updated 5/18/2021)
3 + 4
Kentucky Law Questions
Life: 6% (3); Health: 8% (4)
$50
Fee Per Exam Attempt
Kentucky DOI fee schedule and testing guidance
20 hrs/line
Prelicensing Baseline
Kentucky DOI Agent Licensing FAQ
24 CE + 3 ethics
Post-License CE
Kentucky DOI Agent Licensing FAQ
KOG login
eServices Access Model
Kentucky DOI eServices portal guidance
Kentucky outline materials currently show 50 life questions and 50 health questions, with Kentucky law weighted at 6% of life (3 questions) and 8% of health (4 questions). Kentucky requires scheduled appointments (no walk-ins), government photo ID, and generally applies a $50 fee per exam attempt with 24-hour change/cancellation expectations. Kentucky FAQ guidance lists 20 prelicensing hours per major line, a 60-day AOC report validity window, and post-license CE of 24 hours including 3 ethics with up to 12 carryover hours.
About the KY Life & Health Exam
Kentucky producer licensing for life and health is tested through separate line outlines with heavy national product fundamentals plus Kentucky statutes and regulations. Candidates must complete prelicensing, background-report, and scheduling workflow through DOI/eServices before testing at approved sites.
Questions
100 scored questions
Time Limit
Separate outlines: 50 Life + 50 Health questions
Passing Score
70% (commonly reported for producer exams)
Exam Fee
$50 per exam attempt (Kentucky Department of Insurance / Kentucky eServices testing program)
KY Life & Health Exam Content Outline
Life General Knowledge
Life products, policy provisions, riders, applications/underwriting, annuities, group/business uses, retirement plans, and tax treatment
Health General Knowledge
Health policy types, disability and medical expense coverage, common/required provisions, group health, LTC, social insurance, and taxation topics
Kentucky Statutes and Regulations
State-law citations and producer compliance references from KRS Chapter 304 and health-law references including 806 KAR 17:081 sections in the current outline
How to Pass the KY Life & Health Exam
What You Need to Know
- Passing score: 70% (commonly reported for producer exams)
- Exam length: 100 questions
- Time limit: Separate outlines: 50 Life + 50 Health questions
- Exam fee: $50 per exam attempt
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
KY Life & Health Study Tips from Top Performers
Frequently Asked Questions
Is Kentucky Life & Health one combined producer test?
Kentucky publishes separate life and health exam outlines for producer licensing. Candidates pursuing both authorities prepare for both line-specific content sets.
How many questions are in the Kentucky life and health outlines?
Current Kentucky outline documents show 50 life questions and 50 health questions. The life outline shows 3 Kentucky-law questions, and the health outline shows 4 Kentucky-law questions.
What exam fee does Kentucky list for insurance testing?
Kentucky lists a $50 examination fee per scheduled exam attempt, including retakes. The same guidance warns that no-shows or late changes may forfeit that fee.
Can I walk in to test without an appointment in Kentucky?
No. Kentucky states that all applicants must have a scheduled appointment and that walk-ins are not accepted. Candidates are also instructed to arrive 10 minutes early with government-issued photo ID.
What prelicensing and background items are commonly required before scheduling?
Kentucky FAQ guidance lists 20 prelicensing hours per major line and an AOC criminal background report with a 60-day validity window. Application processing must complete before scheduling through eServices.
What continuing education applies after licensing in Kentucky?
Kentucky generally requires 24 CE hours per compliance period including 3 ethics hours, with up to 12 carryover hours. Producers should verify the latest cycle rules directly with DOI.
What system update should Kentucky candidates know for account access?
Kentucky DOI eServices access uses Kentucky Online Gateway (KOG) credentials. Candidates should confirm account access early so scheduling and licensing tasks are not delayed.