Kentucky Insurance License
The Kentucky insurance license exam, in plain numbers.
Everything below is specific to Kentucky — 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 Kentucky
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 50 | 35 | 70% | 15 |
| Life only | 50 | 35 | 70% | 15 |
| Health only | 50 | 35 | 70% | 15 |
Administered by the Kentucky Department of Insurance for the Kentucky Department of Insurance. Time limit: published in the current DOI outline; confirm when you schedule. Roughly 3 of the scored questions (6%) come from Kentucky law — the block national courses cover most lightly.
Prelicensing
20 hours of prelicensing education per major line of authority, so 40 hours for a combined Life and Health license. The certificate is valid for ONE YEAR and must be signed and dated.
Continuing education
24 hours per continuing education biennium including at least 3 hours of ethics AND at least 6 hours directly related to a line of authority held. Up to 12 carryover hours apply to the next compliance period as general hours. A one-time 4-hour annuity training counts toward the total. KRS 304.9-295.
License term
a biennium beginning the first day of the month following your birth month and ending the last day of your birth month two years later
Regulator
The Kentucky Department of Insurance oversees licensing, headed by a Commissioner appointed to lead the Kentucky Department of Insurance.
Kentucky Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Kentucky 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 Kentucky, 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.
Kentucky insurance exam questions, answered
How many questions are on the Kentucky insurance license exam?
The combined life and health exam has 50 scored questions. You need 35 correct to pass at 70%, which means you can miss 15.
What is the passing score for the Kentucky insurance exam?
70%. That works out to 35 correct answers out of 50 scored questions.
Who administers the Kentucky insurance license exam?
the Kentucky Department of Insurance, on behalf of the Kentucky Department of Insurance.
Does Kentucky require prelicensing education?
20 hours of prelicensing education per major line of authority, so 40 hours for a combined Life and Health license. The certificate is valid for ONE YEAR and must be signed and dated.
How much continuing education does Kentucky require?
24 hours per continuing education biennium including at least 3 hours of ethics AND at least 6 hours directly related to a line of authority held. Up to 12 carryover hours apply to the next compliance period as general hours. A one-time 4-hour annuity training counts toward the total. KRS 304.9-295.
Is there a Kentucky life-only or health-only exam?
Yes. Life only is 50 scored questions, 35 to pass, Health only is 50 scored questions, 35 to pass.
How much does a Kentucky 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 Kentucky Department of Insurance.