Contact

502-564-6004

Mail

doi.licensingmail@ky.gov

Address

Kentucky Department of Insurance Mayo-Underwood Building 500 Mero Street, 2 SE 11 Frankfort, KY 40601 United States

last updated 13 Feb 2026

Kentucky Licensing and Renewal Guide

What this guide will teach you:

How to apply for or renew a Kentucky producer insurance license for property/casualty/health/life/financial insurance services.
What fees to expect for obtaining and maintaining insurance licenses.
How to meet continuing education (CE) requirements and deadlines.
How to access resources and contact information to simplify the process.

Rules and Requirements for Kentucky Property and Casualty/Health/Financial Insurance Licenses

New applicants must meet Kentucky’s eligibility standards, including age, residency, and background requirements.

What is the minimum age to apply for a new license?

Applicants must be at least eighteen (18) years old.

Do I need to provide any specific identification to apply?

Yes, you must provide either a SSN (Social Security Number) or a FEIN (Federal Employer Identification Number).

Is proof of residency required?

Yes, you are required to provide proof of residency within the state of Kentucky.

Are there any exams I need to pass to get my license?

Yes, you must complete 20 hours of pre-licensing education and pass the appropriate producer licensing exam(s).

Do I need to complete fingerprinting as part of the application process?

No, fingerprinting is NOT required.

Are there character requirements to qualify for a license?

Yes, you must pass a state and federal criminal history background check.

How to Apply for and Renew a Producer License in Kentucky

Applying for a New Producer License in Kentucky

Renewing a Producer License in Kentucky

Licenses require renewal and proof of CE compliance every 2 years before the expiration date on the last day of the licensee’s birth month. License renewals are possible up to 90 days before the expiration date.

Complete and verify continuing education (CE) hours. Verify that all the requirements in your transcript are complete.
Submit an electronic application and pay licensing fees through the NIPR.

Late Renewals: Late renewals are possible for up to two months in Kentucky after paying the late renewal fee of $40. After two months, the license expires and will be cancelled. The licensee must then apply for a new license.

Non-Resident Producer Licensing in Kentucky

How to apply for a non-resident license:

Apply for a license through NIPR by choosing a Non-Resident License (NRL) Application and submit supporting documentation.

How to transfer a resident license from another state to Kentucky:

If you hold a non-resident Kentucky license, submit Form 8301 to the Kentucky Department of Insurance and apply for a criminal background report.
Update producer license information through NIPR and complete a Contact Change Request for all non-resident licenses.

Note: Licensees can transfer a resident license from another state to Kentucky within 90 days of relocating (after surrendering the previous resident license) without retaking the licensing exams.

Kentucky Business Entity Insurance License Applications

Provide at least one individual Owners, Officers, Partners, or Directors (OPOD) entry listed as an owner or officer. Include one Designated Responsible Licensed Producer (DRLP) with an active Kentucky license and major line of authority.

Submit an electronic application online at the National Insurance Producer Registry.
Pay the state license fee of $100 (for resident business entities) and any additional fees.

Note: Business entity insurance licenses require renewal every 2 years. Renew up to 90 days before the expiration date. Late renewals are possible for up to two months.

Kentucky Producer Licensing Fees

Licensing fees for initial licenses, renewals, exams, and other services are as follows.

Fees	Price
Resident New License Fee	$40.00 + $40.00 per LOA
Resident/Non-Resident/Individual/Business Renewal Fee	$0.00
Resident Late Renewal Fee	$40.00
Non-Resident New License Fee	$50.00 + $50.00 per LOA
Non-Resident Late Renewal Fee	$50.00
Resident Business Entity/New License Fee/Late Renewal Fee	$100.00 + $100.00 per LOA
Non-Resident Business Entity/New License/Late Renewal Fee	$120.00 + $120.00 per LOA
Kentucky License Exam Fee	$50.00

Disclaimer: Fees and requirements may change at any time without prior notice. For the most accurate and up-to-date details, we recommend verifying fees through the Kentucky Department of Insurance website directly.

Continuing Education (CE)

CE requirements for insurance producers include:

24 hours of CE (including 3 hours of ethics) for Life, Health, Property, Casualty, Variable Life/Variable Annuity, and Personal Lines every 2 years.

More information about Kentucky CE requirements is available at: Continuing Education – Official Website of the Kentucky Department of Insurance.

Exemptions: Producers with the following limited lines of authority are CE exempt: Credit, Crop, and Travel.

FAQs

When do I need to renew my Kentucky insurance license?

Licenses in Kentucky require renewal and completion of CE every 2 years on the last day of the licensee’s birth month.

What if I miss the Kentucky insurance license renewal deadline?

Late renewals are possible for up to two months after paying a late fee of $40. After two months the license is cancelled, and the licensee must reapply as a new applicant.

How can I track my Kentucky producer CE credits?

Use tools available on the Kentucky-specific VerifyMyCE account.

Where can I check my Kentucky insurance license application status?

You can check your application status on the NIPR website.

Sources

Disclaimer: This post is for informational purposes only and does not constitute legal or compliance advice. Agenzee does not warrant the accuracy of and assumes no liability for reliance. Please consult regulators or professional advisors as needed. See our full disclaimer for details.

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Agenzee has helped our agency keep everything organized and in one place. The integration with NIPR is an extremely valuable tool that is hugely helpful when it comes to license expirations and renewals. The ability to request renewals in bulk all within the Agenzee system is a huge time saver!

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Agenzee has had a significant impact on our daily operations by saving us a tremendous amount of time. Instead of dedicating hours to manually maintaining a complex Excel spreadsheet, we now have an efficient system. This has allowed us to focus more on core business activities rather than administrative tasks.

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With Agenzee, being a one-stop shop for licenses, appointments, and now CE's, this has given our producers more independence to monitor their own progress without feeling like they have to look in multiple places.

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Contact

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Address

Kentucky Licensing and Renewal Guide

What this guide will teach you:

Rules and Requirements for Kentucky Property and Casualty/Health/Financial Insurance Licenses

What is the minimum age to apply for a new license?

Do I need to provide any specific identification to apply?

Is proof of residency required?

Are there any exams I need to pass to get my license?

Do I need to complete fingerprinting as part of the application process?

Are there character requirements to qualify for a license?

How to Apply for and Renew a Producer License in Kentucky

Applying for a New Producer License in Kentucky

Applying for a New Producer License in Kentucky

Renewing a Producer License in Kentucky

Renewing a Producer License in Kentucky

Non-Resident Producer Licensing in Kentucky

Non-Resident Producer Licensing in Kentucky

Kentucky Business Entity Insurance License Applications

Kentucky Business Entity Insurance License Applications

Kentucky Producer Licensing Fees

Continuing Education (CE)

FAQs

When do I need to renew my Kentucky insurance license?

What if I miss the Kentucky insurance license renewal deadline?

How can I track my Kentucky producer CE credits?

Where can I check my Kentucky insurance license application status?

Sources

Disclaimer

Contents

INDUSTRY INSIGHTS FOR INSURANCE AGENCIES, CARRIERS, AND MGAS

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Customers Opinions on Our Services and Products

What Our Customers Say

Teddy T.

Tasha D.

Zachary G.

Kristina B.

Deborah N.

Taylor F.

Jesse H.

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