Kansas Insurance License
The Kansas insurance license exam, in plain numbers.
Everything below is specific to Kansas — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Kansas
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 140 | 98 | 70% | 42 |
Administered by Pearson VUE for the Kansas Insurance Department. Time limit: 2 hours 30 minutes (150 minutes). Roughly 40 of the scored questions (29%) come from Kansas law — the block national courses cover most lightly.
Prelicensing
NOT required. The Kansas Insurance Department states plainly that you may take the licensing examination without purchasing exam preparation materials or attending a course.
Continuing education
A Kansas CE update effective 1 January 2025 sets 24 total hours with 3 hours of ethics and carryover of up to 12 hours. Earlier guidance describes 18 hours including 3 ethics with no carryover permitted. Confirm the current requirement with KID before relying on either.
License term
2 years based on date of birth: born in an even year, renew in even years; born in an odd year, renew in odd years
Regulator
The Kansas Insurance Department oversees licensing, headed by an elected Commissioner of Insurance.
Kansas Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Kansas policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Kansas, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Kansas insurance exam questions, answered
How many questions are on the Kansas insurance license exam?
The combined life and health exam has 140 scored questions. You need 98 correct to pass at 70%, which means you can miss 42.
What is the passing score for the Kansas insurance exam?
70%. That works out to 98 correct answers out of 140 scored questions.
Who administers the Kansas insurance license exam?
Pearson VUE, on behalf of the Kansas Insurance Department.
Does Kansas require prelicensing education?
NOT required. The Kansas Insurance Department states plainly that you may take the licensing examination without purchasing exam preparation materials or attending a course.
How much continuing education does Kansas require?
A Kansas CE update effective 1 January 2025 sets 24 total hours with 3 hours of ethics and carryover of up to 12 hours. Earlier guidance describes 18 hours including 3 ethics with no carryover permitted. Confirm the current requirement with KID before relying on either.
Is there a Kansas life-only or health-only exam?
No. Kansas tests life and health together as one combined exam, so there is no single-line edition.
How much does a Kansas study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Kansas Insurance Department.