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How to Get a Insurance producer License in Kentucky (2026)

Quick answer

Resident individual license fee is $40 per license/class plus $40 for each line of authority.

License fee

$40

View official source

Required hours

Residents complete 20 hours of prelicensing training for each major line of authority.

View official source

Exam

Schedule the licensing examination through the department's eServices account after the application is processed.

View official source

Renewal

Individual – payment is due by the end of birth month; if born in odd year, renewal is in odd years; if born in even year, renewal is in even years.

View official source

Last verified Oct 25, 2026

How do I get this license?

  1. Check the licensing authority

    Board

    Kentucky Department of Insurance

    Last verified Oct 25, 2026 — source and quotation
    Kentucky Department of Insurance
    Official source
  2. Check your qualifications

    Required hours

    Residents complete 20 hours of prelicensing training for each major line of authority.

    Last verified Oct 25, 2026 — source and quotation
    Complete 20 hours of pre-licensing training for each major line of authority.
    Official source

    Exam

    Schedule the licensing examination through the department's eServices account after the application is processed.

    Last verified Oct 25, 2026 — source and quotation
    You may track the status of the application and schedule your examination through a secure eServices account.
    Official source
  3. Prepare your application

    Apply with the agency

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    NIPR
    Official source

    Reciprocity

    Nonresident applicants must hold the same license class and line of authority in their home state and comply with home-state CE.

    Last verified Oct 25, 2026 — source and quotation
    You must hold the same class of license and line of authority in your home state. Apply as non-resident initial license applicant at www.nipr.com. Non-resident agents are not required to file continuing education in Kentucky, but must comply with resident state requirements.
    Official source
  4. Confirm your next step with the agency

    Review the official instructions for your situation before applying.

    Open the official agency page

What else should I know?

Agency guidance

Resident individual license fee is $40 per license/class plus $40 for each line of authority.

Last verified Oct 25, 2026 — source and quotation
Agent – Resident Individual for license/class $ 40.00 Plus for each line of authority an additional fee of 40.00
Official source

Agency guidance

An agent with active insurer appointments has no renewal fee but must still renew. Instructions: https://insurance.ky.gov/ppc/Documents/ALFAQ041321.pdf

Last verified Oct 25, 2026 — source and quotation
There is no renewal fee for the agent (producer) license if the licensee holds active insurer appointment(s). However, you must renew even if there is no fee.
Official source

Agency guidance

Resident applicants must obtain a criminal background report from the Kentucky Administrative Office of the Courts.

Last verified Oct 25, 2026 — source and quotation
Apply for Criminal Background Report online through the KY Administrative Office of the Courts (AOC)
Official source

When do I renew, and is CE required?

Renewal

Individual – payment is due by the end of birth month; if born in odd year, renewal is in odd years; if born in even year, renewal is in even years.

Last verified Oct 25, 2026 — source and quotation
Individual – payment is due by the end of birth month; if born in odd year, renewal is in odd years; if born in even year, renewal is in even years.
Official source

License term in years

Licensees subject to continuing education AND license renewal must complete BOTH to renew the license for another biennium.

Last verified Oct 25, 2026 — source and quotation
Licensees subject to continuing education AND license renewal must complete BOTH in order to renew the license for another biennium.
Official source

Continuing education hours

24 hours

Last verified Oct 25, 2026 — source and quotation
Twenty-four (24) hours are required for each compliance period, and three (3) of those hours must be in ethics course concentration.
Official source

Continuing education topics

At least 3 CE hours must cover ethics.

Last verified Oct 25, 2026 — source and quotation
three (3) of those hours must be in ethics course concentration.
Official source

Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.

What does it cost?

License fee

$40

Last verified Oct 25, 2026 — source and quotation
Agent – Resident Individual for license/class $ 40.00
Official source

Exam fee

Examination Fee – (per exam, retake or failure to appear for scheduled exam) 50.00

Last verified Oct 25, 2026 — source and quotation
Examination Fee – (per exam, retake or failure to appear for scheduled exam) 50.00
Official source

Confirm the charges and conditions for your application with the official agency.

What are the common questions?

How often do I renew a insurance producer (life/health and property/casualty) license in Kentucky?

Individual – payment is due by the end of birth month; if born in odd year, renewal is in odd years; if born in even year, renewal is in even years.

Source and quotation
Individual – payment is due by the end of birth month; if born in odd year, renewal is in odd years; if born in even year, renewal is in even years.
Official source

Last verified Oct 25, 2026

What is the insurance producer (life/health and property/casualty) license fee in Kentucky?

$40

Source and quotation
Agent – Resident Individual for license/class $ 40.00
Official source

Last verified Oct 25, 2026

Which official sources support this guide?

Official sources and verification (14)

Last verified Oct 25, 2026. Each quotation supports the corresponding published value.

Board

Kentucky Department of Insurance

Kentucky Department of Insurance

Kentucky Department of Insurance
Official source

Last verified Oct 25, 2026

Apply with the agency

Open the official agency page

https://insurance.ky.gov/ppc/newstatic_info.aspx?static_id=21

NIPR
Official source

Last verified Oct 25, 2026

Qualifications / Required hours

Residents complete 20 hours of prelicensing training for each major line of authority.

Residents complete 20 hours of prelicensing training for each major line of authority.

Complete 20 hours of pre-licensing training for each major line of authority.
Official source

Last verified Oct 25, 2026

Qualifications / Exam

Schedule the licensing examination through the department's eServices account after the application is processed.

Schedule the licensing examination through the department's eServices account after the application is processed.

You may track the status of the application and schedule your examination through a secure eServices account.
Official source

Last verified Oct 25, 2026

Fees / License

$40

40

Agent – Resident Individual for license/class $ 40.00
Official source

Last verified Oct 25, 2026

Fees / Exam

Examination Fee – (per exam, retake or failure to appear for scheduled exam) 50.00

50

Examination Fee – (per exam, retake or failure to appear for scheduled exam) 50.00
Official source

Last verified Oct 25, 2026

License term in years

Licensees subject to continuing education AND license renewal must complete BOTH to renew the license for another biennium.

2

Licensees subject to continuing education AND license renewal must complete BOTH in order to renew the license for another biennium.
Official source

Last verified Oct 25, 2026

Renewal

Individual – payment is due by the end of birth month; if born in odd year, renewal is in odd years; if born in even year, renewal is in even years.

Individual – payment is due by the end of birth month; if born in odd year, renewal is in odd years; if born in even year, renewal is in even years. Applies to: Individual licensees

Individual – payment is due by the end of birth month; if born in odd year, renewal is in odd years; if born in even year, renewal is in even years.
Official source

Last verified Oct 25, 2026

Continuing education hours

24 hours

24

Twenty-four (24) hours are required for each compliance period, and three (3) of those hours must be in ethics course concentration.
Official source

Last verified Oct 25, 2026

Continuing education topics

At least 3 CE hours must cover ethics.

At least 3 CE hours must cover ethics.

three (3) of those hours must be in ethics course concentration.
Official source

Last verified Oct 25, 2026

Reciprocity

Nonresident applicants must hold the same license class and line of authority in their home state and comply with home-state CE.

Nonresident applicants must hold the same license class and line of authority in their home state and comply with home-state CE.

You must hold the same class of license and line of authority in your home state. Apply as non-resident initial license applicant at www.nipr.com. Non-resident agents are not required to file continuing education in Kentucky, but must comply with resident state requirements.
Official source

Last verified Oct 25, 2026

Agency guidance

Resident individual license fee is $40 per license/class plus $40 for each line of authority.

Resident individual license fee is $40 per license/class plus $40 for each line of authority.

Agent – Resident Individual for license/class $ 40.00 Plus for each line of authority an additional fee of 40.00
Official source

Last verified Oct 25, 2026

Agency guidance

An agent with active insurer appointments has no renewal fee but must still renew. Instructions: https://insurance.ky.gov/ppc/Documents/ALFAQ041321.pdf

An agent with active insurer appointments has no renewal fee but must still renew. Instructions: https://insurance.ky.gov/ppc/Documents/ALFAQ041321.pdf

There is no renewal fee for the agent (producer) license if the licensee holds active insurer appointment(s). However, you must renew even if there is no fee.
Official source

Last verified Oct 25, 2026

Agency guidance

Resident applicants must obtain a criminal background report from the Kentucky Administrative Office of the Courts.

Resident applicants must obtain a criminal background report from the Kentucky Administrative Office of the Courts.

Apply for Criminal Background Report online through the KY Administrative Office of the Courts (AOC)
Official source

Last verified Oct 25, 2026

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What should I explore next?

Insurance producer (life/health and property/casualty) in neighboring states

Neighboring states use Census adjacency data, including water and point boundaries.

Related licenses in Kentucky

What’s my next step?

Last verified Oct 25, 2026.

Official sources (3)

Not legal or tax advice. Confirm with the official agency before filing.