Kentucky Insurance Agent 24-Hour Continuing Education Course (Life, Health, Property, and Casualty)


  • Duration: 24 hours
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How to Renew Your Kentucky Insurance License

General Requirements:

Total Hours

24 hours biennially for Producers and Adjusters

Compliance Renewal Date

Renewal date is the last day of the licensee’s birth month, biennially. Licensees born in odd-numbered years renew in odd-numbered years, and licensees born in even-numbered years renew in even numbered years.

You may also need to take specific courses or earn specific credit types to renew your license. These course completions will count toward the total hour requirement.

Line-Specific Requirements:

At least 6 hours must be directly related to one or more active lines of authority (Adjusters may complete courses from the Property & Casualty line.)

For All Licenses:

3 hrs – Producers and Adjusters must complete 3 hrs of Ethics as part of the total requirement.

Annuity Requirements

Effective 1/1/12: An individual may not sell, solicit, or negotiate the sale of an annuity until he/she has completed four hours of initial training. A licensee who holds a life line of authority on the effective date of this regulation must complete the training within six months of the effective date. A licensee who obtains a life line of authority on or after the effective date of this regulation must complete the training course prior to selling, soliciting, or negotiating the sale of an annuity.

Long-Term Care Training

A producer with a line of authority of life or health currently authorized or who becomes authorized in the future to sell, solicit or negotiate policies issued under Kentucky’s LTC Insurance Partnership Program shall complete a one time 8-hour initial training course prior to selling, soliciting or negotiating a long-term care partnership policy. Insurers offering long-term care partnership policies shall obtain verification that producers receive such training, maintain records subject to the state’s record retention requirement, and make that verification available to the Insurance Commissioner upon request. Each Insurer shall monitor and maintain proof that Producers receive ongoing training requirement of no less than 4 hours. The training shall cover the following topics:

  • LTC insurance
  • LTC services
  • Qualified Partnerships and the relationship between Qualified Partnerships and other public and private coverage of long-term care

Producers shall complete the ongoing training biennially according to their CE/license renewal cycle.

All Other State Requirements

Resident Requirements

Kentucky licensees must complete 24 hours of continuing education every two years.

Of the 24 required hours, 6 hours must be directly related to any line of authority for which the agent is actively licensed and 3 hours must be in courses specifically approved as ethics.

CE credit will be awarded to resident licensees completing courses that have been approved for CE credit. Kentucky will reciprocate with other states where the licensee has satisfied these training requirements; therefore, training received in any state shall be deemed to satisfy the training requirements in Kentucky.

Independent and public adjusters must demonstrate proof of completion of continuing education requirements in conjunction with a license renewal. Prior to July 31, 2012 and biennially thereafter, an individual who holds an independent or public adjuster license must complete 24 hours of continuing education, including 3 hours in ethics biennially.

Agents selling flood insurance must complete a one-time 3 hour course on flood insurance and the National Flood Insurance Program. This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum training requirements established by FEMA and the National Flood Insurance Program.

Non Resident Requirements

There are no non-resident continuing education requirements in Kentucky provided producers have met requirements in their home state.

Course Repetition

Course repetition is not permitted within the compliance/renewal period.

Exam Rules

Online certification exams are closed book. Course materials are not available while the exam is in progress. The final exam must be passed with a score of 70% or higher to receive CE credit. If the exam is not passed on the first attempt, students have an unlimited number of retakes.

Period Requirements

A biennium begins on the first day of the month following your birth month and ends on the last day of your birth month two (2) years later.

Carryover Requirements

Maximum of 12 hours may be carried over to next compliance period.

Reporting Requirements

Report within 30 days of completion. Need Agent’s license number to report.

Instructor Credit

Individuals acting as instructors for continuing education courses receive the same amount of CE credit as his or her students receive for taking the class only once within a biennium.


Agents receiving renewal commissions only, upon submission and receipt of a signed affidavit attesting such, are exempt from CE requirements.

Acceptable Training Methods

  • Correspondence (Print)
  • Company Seminars
  • Classroom
  • CBT/CD-ROM (Computer-Based Training)
  • Online (Internet Delivery)

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