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What is the pre-licensing requirement for a Kentucky insurance license?

If you are a Kentucky resident applying to take the agent (producer) exam, you first finish a 20-hour pre-licensing course for the lines you ask for. Once the Department processes your application, you book the exam through its eServices account.

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The rule, fact by fact

Course hours
A 20-hour classroom or self-study pre-licensing course for your requested linesAsk the school which of your lines its course covers before you enroll.
Verified. insurance.ky.gov (opens state website) · checked Nov 13, 2026
Exam appointment
Every applicant needs a scheduled exam appointment; walk-ins are not acceptedPick a day you can keep.
Verified. insurance.ky.gov (opens state website) · checked Nov 13, 2026
Cost
$50 for each scheduled retake of an examinationPass the first time and you never pay it.
Same source and date as above
Continuing education
24 hours of continuing education for each bienniumPlan for it once the license is in your hands.
Same source and date as above

How to get it done

  1. Step 1. Check that the course rule fits you. The Department says resident individuals applying to take the agent (producer) exam must complete a pre-licensing course.

  2. Step 2. Pick a provider. The Department says you can train with an independent provider, which is the route for prospective agents, or with a company provider, which is for insurer agents only.

  3. Step 3. Take the course in a classroom or by self-study. It runs 20 hours and has to be for the lines of authority you request.

  4. Step 4. Apply, then book the exam. The Department says you may schedule it through an eServices account after it processes your application. Every applicant needs an appointment.

  5. Step 5. Sit the exam. It is computerized and graded when you finish. Bring government-issued photo ID, and arrive 10 minutes before your time.

  6. Step 6. Print your license from your eServices account. The Department says license certificates may only be printed there.

Before you pay

We haven't confirmed course prices or the fee to apply. This page rests on three pages of the Kentucky Department of Insurance.

Before you pay a school, check the Department's list of independent providers.

Questions

What if I need to change my exam time?

Make the change at least 24 hours before your slot. The Department says failing to give 24 hours' notice may cost you the $50 exam fee.

How soon can I retake the exam?

The Department says an applicant who does not pass may pay the $50 retake fee and reschedule through eServices on the next business day.

Do extra continuing education hours carry over?

Some do. The Department says up to 12 carryover hours apply to your next compliance period as general hours.

What to do next

Start with the Department's pre-licensing page. Then read its testing sites page.

insurance.ky.gov

Sources we read