Producers (Life & Health and Property)
24 CE hours*, including 3 hours of ethics, are required every 2-year license term.
*See Category Restrictions and Special Training/Education Requirements below.
Life Settlement Broker
24 CE hours*, including 3 hours of life settlements, 3 hours of life insurance, and 3 hours of ethics, are required every 2-year license term.
*See Category Restrictions and Special Training/Education Requirements below.
Special Training/Education Requirements
Category restrictions
Producers must complete 3 hours in approved ethics courses. At least 6 of the 24 required CE hours must be completed in a line of authority held by the licensee, EXCEPT adjusters who may take all courses in property and casualty. Excess ethics hours will go towards the optional hour requirement only.
Annuity Training
Before selling, soliciting, or negotiating annuity products in Kentucky, producers must complete a one-time annuity training course approved for at least 4 hours. *Residents who satisfy the training requirements of another state that are similar to the Kentucky law will be deemed compliant for the Kentucky requirement.
Long-Term Care Partnership (LTCP)
- Initial 8-hour LTCP training requirement: All Kentucky producers who sell, solicit, or negotiate LTC partnership policies must complete 8 hours of state-approved Kentucky LTCP training before selling, soliciting, or negotiating LTCP policies. Producers may take any 8-hr NAIC approved LTC course for use in any licensed state.
- Ongoing 4-hour LTCP training requirement: After completing the 8-hour initial training requirement, LTCP producers must complete 4 hours of state-approved Kentucky LTCP training each 2-year license term thereafter. Producers may take any 4-hr NAIC approved LTC course for use in any licensed state.
Flood Insurance
All Kentucky property producers authorized to sell federal flood insurance policies must complete a one-time 3-hour course approved for National Flood Insurance Program (NFIP) training.
Nonresident producers can renew their licenses at www.nipr.com. Check the Department of Insurance’s Web site at http://insurance.ky.gov/ to confirm that a license has been renewed.
Special Training/Education Requirements
Annuity Training
Before selling, soliciting, or negotiating annuity products in Kentucky, producers must complete a one-time annuity training course approved for at least 4 hours. *Nonresidents who satisfy the training requirements of another state that are similar to the Kentucky law will be deemed compliant for the Kentucky requirement.
The license term is every 2 years based on the last day of the producer’s birth month in odd- or even-numbered years. Producers born in an even-numbered year are required to complete their CE in even-numbered years. Producers born in an odd-numbered year are required to complete their CE in odd-numbered years.
A course may not be taken for credit more than once within a 2-year license term.
A maximum of 12 excess CE hours may be carried forward to the next 2-year license term.
Note: Excess hours in ethics will carry forward as general credit.
The following individuals are exempt from CE requirements:
- Producers who hold limited lines of authority under agent licenses
- Producers who have not been licensed for a full year by the CE compliance date
- Producers who hold nonresident licenses and have met the CE requirements of their home states
- Producers who hold a license for the sole purpose of receiving renewals or deferred commissions and providing the office with a support affidavit
- Nonresident adjusters who are licensed and in good standing in their resident state or designated home state. If the license terminates in their resident or designated home state their KY nonresident license will terminate and must be immediately surrendered.
Exam proctor requirements
Self-study final exams do not require a monitor.
Exam rules
Self-study final exams are open book. Producers may refer to the course material as often as needed. The final exam must be passed with a score of 70 percent or higher to receive credit. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.
None.
Net Study provides information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither Net Study nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.
Phone: 502-564-6004
Fax: 502-564-6030
Email: DOI.AgentLicensingMail@ky.gov
Frankfurt, KY 40601