Click here to view the XCEL Solutions Kentucky Course Catalog. This catalog will also be available to print upon enrollment.

• Life Only – 20 hours 
• Accident & Health Only – 20 hours 
• Life, Accident and Health – 40 hours 
• Casualty Insurance – 20 hours 
• Property Insurance – 20 hours 
• Property and Casualty – 40 hours 
• Personal lines - 20 hours 

• This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter. 
• Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter. 
• Mandatory final exam 
• Completion of this course satisfies the prelicensing education requirement. 

To be eligible for a Certificate of completion, you must follow these steps:  

• Completion of the course including final exam. 
• Course completion rosters will be reported to the Kentucky Department of Insurance daily. 
  
  • Education Providers are required to collect and report full SSN.
• Download and Print certificate through the “Transcript” tile on the user dashboard. 
• Certificates are valid for 12 months. 
• Certificates must be uploaded, faxed, or emailed to the KY DOI. 
  
  • Upload to KY DOI -  https://insurance.ky.gov/doieservices/userrole.aspx 
  • Fax # - 502-564-6030 
  • Email – DOI.LicensingMail@ky.gov 

• The state of Kentucky requires a background check. Apply for a criminal background report online through the KY Administrative Office of the Courts (AOC) http://kycourts.gov.
• The report is valid for 60 days.
• Background Report Fee: $25.00

• Submit online license application electronically through NIPR www.nipr.com
• You Must allow up to 5 business days for DOI staff to review and process the application, background check and prelicensing certification.
• Application fee $40.00

• Licensing exams are provided by the Kentucky Department of Insurance. After you have received notification that your application has been processed, schedule your examination online by setting up an eServices account at https://insurance.ky.gov/doieservices/userrole.aspx
• Single Line exam fee $50
• Education Roster not required to schedule the exam.

• You can test an unlimited number of times within a 120-day timeline.  

• Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period. 
  
  • Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam. 
  • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.”
• On the day of testing, you must present a valid government issued photo id and the certificate(s) of completion. 

Name: Kentucky Department of Insurance
Website: http:// insurance.ky.gov
Address: 500 Mero Street Frankfort, KY 40601
Phone: 800-595-6053

XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.

Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years.

• On-going renewal periods are the last day of the agent’s birth month, and odd/even year of birth every two (2) years thereafter. 

Continuing education requirements must be met before submitting the license renewal application. 

Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics and 6 hours directly related to line of authority before submitting their renewal application. 

• A minimum of six (6) credit hours are required for each line of authority held by the producer*. 

The Kentucky Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.

• Life or Accident & Health licensees must complete an approved 4-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance. 
• Agents must also complete an approved 1-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance. 
• The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement. 
• Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course. 
• Non-resident agents may complete these training requirements in any state. 

• Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products.
• Annuity Best Interest course credits count towards the agent's 24-hour CE requirement.
• Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Kentucky. 

• Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance. 
• The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement. 

• Licensees can use independent self-study courses to fill all requirements. 
• Licensees may take courses in any line of authority*. 
• Self-study exams are closed book and do not require a monitor/proctor. 
• Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles. 
• Excess credits of up to 12 hours earned in the previous biennial renewal can be carried over from one renewal period to the next. The credits will be applied as general hours only, and do not meet ethics or line of authority requirements. 

• Students must provide their National Producer Number (NPN) to report on course completion.
• Course completions are reported within one business day. 

Resident and nonresident license renewal applications are processed through NIPR. No renewal fee is required to be paid. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Find your Kentucky Insurance license number or View your CE Transcript Renew your license.

Kentucky Department of Insurance - Licensing Division
https://insurance.ky.gov
502-564-3630
DOI.LicensingMail@KY.gov
500 Mero Street 2 SE 11 Frankfort, KY 40601