Kentucky
Verified Nov 8, 2026 · Source: Kentucky DOI Fee Summary, revised April 2021 (current linked fee schedule)
- Testing vendor
- Kentucky Department of Insurance
- Testing format
- In-person appointments at the Department-approved sites; remote availability is needs confirmation.
- Before registering
- Complete approved prelicensing education and submit the application/background documents. Schedule in eServices after the Department processes the application.
Exam options & fees
- Life — per examination$50License application basis: $40 license/class + $40 per line of authority · Source
- Health — per examination$50License application basis: $40 license/class + $40 per line of authority · Source
The official fee is $50 per exam. Life and Health are separate selections; confirm whether any combined Life & Health option is available. The form’s combined-exam entry is for Property & Casualty.
License application amounts are not a new charge for every exam component. Separate examinations, combined examinations and discounted sessions are labeled above.
Other licensing costs
- License application — standard Life / Health route$40 license/class + $40 per line of authorityOfficial source
- NIPR transaction — only if applying through NIPR$5.60 per applicationOfficial source
- Other vendor / processing chargesCheck the official page for any additional processing chargesOfficial source
- Fingerprinting / backgroundFingerprinting costs are listed below. Some states collect them with your application; any included charge is not an additional fee.
Go directly to the official source
Location and remote availability depend on examination eligibility, date and vendor rules.
Register for the Kentucky insurance agent exam
- Complete approved prelicensing education and submit the application/background documents. Schedule in eServices after the Department processes the application.
- Use the Kentucky Department of Insurance eServices account after your application is processed.
- Choose the correct examination and permitted testing format, select an appointment, and pay the official examination fee.
- Keep the confirmation. Review the handbook’s exact name-match, photo ID, certificate, check-in, cancellation and retake requirements.
After passing
Review issuance in eServices after passing; the application is processed before exam scheduling.
Fingerprinting & background checks
- Requirement
- Not listed as required in reviewed official instructions; confirm with the state
- State instructions
- Kentucky requires an Administrative Office of the Courts criminal background report for resident licensing; the official process specifies an AOC report, not routine fingerprint capture.
- Vendor / contact
- Kentucky Administrative Office of the Courts (AOC) FastCheck · Kentucky DOI licensing
- Separate cost
- $25.00 report (AOC form rev12-22); card fee 2.25% or $2.50, whichever is greater
When to fingerprint, fee details & official sources
- When in the process
- Obtain AOC report for license/exam application processing. Report is valid 60 days; new applications require a new report.
- Fee / route notes
- The AOC form, revised 12-22, lists $25 per CourtNet report. The current card fee is 2.25% or a $2.50 minimum, making one $25 card-paid report at least $27.50. Request AOCFastCheck electronically as required by the Department; the form’s mail-payment instructions are a different route.
Additional life-related, restricted & specialty license types (4)
These are not shortcuts to unrestricted Life & Health authority. Appointment, securities, employer, tenure and exemption conditions can apply.
Agent — Variable Life/Variable Annuity
- Examination
- No state insurance examination required for this authority
- Exam fee
- Not required — state insurance exam
- Application
- $40 license/class + $40 per line of authority
Agent — Credit
- Examination
- No state insurance examination required for this authority
- Exam fee
- Not required — state insurance exam
- Application
- $40 license/class + $40 per line of authority
Life Agent Registered as Life Settlement Broker — Life Agent Registered as Life Settlement Broker
Confirm with the state- Examination
- Exact examination selection: confirm with the state
- Exam fee
- See official page
- Application
- $250
Life Settlement Broker — Life Settlement Broker
Confirm with the state- Examination
- Per-examination fee; exact examination requirement or waiver needs confirmation
- Exam fee
- $50 if applicable
- Application
- $250
Non-resident licensing summary
Already licensed in another state? Qualifying matching Life / A&H authority usually does not require a new target-state exam. Home-state-dependent fees, fingerprint exemptions and other conditions differ from the resident path. Confirm your final eligibility and payment total on the official application.
Non-resident state fees
- Life-only state application
- $100
- A&H-only state application
- $100
- Life + A&H in the same application
- $150
- NIPR transaction — separate, only for NIPR applications
- $5.60 general initial-application transaction fee; confirm the final charge for your selected state and application with NIPR before paying.
NIPR: $50 application plus $50 per line. Life only $100, Health only $100, Life + Health $150 on one application.
Fingerprinting & background
- Requirement
- Not required on the qualifying reciprocal pathway — see official scope and exceptions
- State instructions
- Kentucky AOC background report is for residents; ordinary reciprocal nonresident producer checklist does not impose it.
Continuing education and other notes
Kentucky non-residents meet home-state continuing education rather than filing Kentucky credits. Keep the same license class and lines active at home; surrender any extra Kentucky lines before renewal.
Non-resident license types
Insurance Producer
- Lines
- Life
- Fee
- $100
Insurance Producer
- Lines
- Accident & Health (Health/Sickness)
- Fee
- $100
Insurance Producer
- Lines
- Life, Accident & Health (Health/Sickness)
- Fee
- $150
Both authorities on one application, not necessarily a distinct combined license class.
General non-resident rules
- Home-state identity/license record in NIPR Producer DatabaseApplication identifying/license/address fields specified on the NIPR target-state requirements page must match current resident-state PDB record. Correct home record before applying.