Kentucky State Requirements
Required Continuing Education Hours
Life and Health Producers
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. AOIS offers a course that satisfies this requirement. Producers may take any 4-hr NAIC approved LTC course for use in any licensed state.
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.
24 CE hours, including 3 hours of ethics, are required every 2-year license term. Courses may be completed from the Property and Casualty line. For the state bulletin regarding this information, click here.
24 CE hours, including 3 hours of ethics, are required every 2-year license term. Courses maybe completed from the Property and Casualty line. For the state bulletin regarding this information, click here.
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.
Nonresident CE Requirements
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 bases 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.
Adjusters: First CE due date begins July 31, 2012 for all adjusters who have held a license for at least one year. The license term is every 2 years bases on the last day of the producer?s birth month in odd- or even-numbered years. For the state bulletin regarding this information, click here.
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.
Producers may complete the Kentucky CE requirements through self-study. The self-study course and exam can be either paper or online.
The student should read the course material prior to taking the final exam.
Final Exam Requirements
Exam proctor requirements
Self-study final exams DO NOT require a monitor.
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.
CE Carryover Allowance
A maximum of 12 excess CE hours may be carried forward to the next 2-year license term. Excess hours in ethics will carry forward as general credit.
Course Repetition Rules
A course may not be taken for credit more than once within a 2-year license term.
Certificate of Completion
AOIS provides online, printable certificates of completion in Kentucky. Certificates of completion will be available to print online immediately after the final exam is passed. The producer must keep a copy of each certificate of completion in his or her files for 3 years.
License Renewal Process
Producers can renew their licenses online here.
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.
State Contact Information
Kentucky Department of Insurance
215 W. Main St.
Frankfurt, KY 40601
AOIS 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 AOIS nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.