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Kentucky · State licensing

Pass the Kentucky Life & Health insurance license exam.

Kentucky requires 40 hours of pre-licensing education for combined life and health, administers its own exam through the Department of Insurance rather than a national vendor, charges a 40 dollar application fee and a 50 dollar exam fee, and requires a 70 percent passing score.

Quick answer: The Kentucky Life & Health insurance license exam is administered by the state insurance department as a 100-question combined exam with a 120-minute limit, and you need 70% to pass. Kentucky requires 40 hours of pre-licensing education before you can sit. The exam fee is $50 per attempt.

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Quick facts

Testing vendor
the state insurance department
Passing score
70%
Pre-licensing hours
40h combined
Application fee
$40
Exam fee
$50 per attempt
Combined exam length
100 Q · 120 min

Source: insurance.ky.gov. Confirm before you register. State schedules change.

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What's on the Kentucky L&H exam.

The Kentucky L&H exam is administered by the state insurance department after you finish a state-approved 40-hour pre-licensing course. The combined exam runs 100 questions with a 120-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Kentucky.

Plan for roughly $130–$165 in mandatory Kentucky state and vendor fees before any study materials, plus the cost of the required 40-hour pre-licensing course.

License application
$40
Exam fee
$50 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
40 hours required

A retake means paying the $50 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Kentucky exam FAQ.

Who administers the Kentucky insurance license exam?
The Kentucky Department of Insurance administers the exam directly, with scheduling done through its eServices portal after the application is processed.
How many pre-licensing hours does Kentucky require?
Kentucky requires 20 hours per line of authority, 40 hours total for a combined life and health license.
What is the passing score and exam fee in Kentucky?
You need 70 percent or higher to pass, and the exam fee is 50 dollars.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.