License Requirements

How to Renew a Kentucky Insurance License

Updated: April 3, 2023

A.D. Banker Provider #: S11173

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On this page, you’ll find a comprehensive guide to renewing your Kentucky insurance license. At A.D. Banker & Company, we’re here to walk you through the process and make completing your continuing education requirements as easy and painless as possible.

We offer several different study methods to cater to your needs and help you grow as an insurance professional. Whether you’re interested in learning the latest topics in insurance CE webinars, or having unlimited access to our online CE courses, we strive to provide options that fit around your busy schedule. Each of our courses are designed to not only be straightforward and simple, but also valuable to your career.

To begin the renewal process, you will need to complete 3 steps listed below.

1. Review the State Requirements

The first step to renewing your insurance license is to review Kentucky’s CE requirements. Depending on which lines of insurance you’re licensed in, the continuing education hours you’re required to complete will vary. All hours must be completed and reported prior to your license renewal date to avoid a lapse in your license.

General Requirements

How many total hours of CE do I need to complete?

Producers and Adjusters are required to complete 24 total hours every 2 years.

What courses can I take to satisfy my total hour requirement?

6 of your total hours must be in courses approved for your line of authority, and 3 hours must be in courses approved as Ethics. The remaining hours may be courses approved in any line of authority. Adjusters may take courses approved for Property/Casualty credit.

Can I take any continuing education course?

It depends. Most licensees may take courses in any line of authority, as long as the general requirements are met.

When is the renewal date for my insurance license?

The renewal date occurs every 2 years on the last day of your birth month. Licensees born in odd-numbered years renew in odd-numbered years, and licensees born in even-numbered years renew in even numbered years.

Do extra hours completed in a previous CE period carry over?

A maximum of 12 hours may be carried over to the next renewal period.

Can I repeat Continuing Education courses for credit?

No, you may not repeat courses for credit in the same renewal period.

Am I exempt from Continuing Education?

The following individuals are exempt from completing CE requirements:

Nonresidents
Producers licensed less than one year at the time of the first CE compliance date are exempt for that first reporting period
Producers maintaining a license for the sole purpose of receiving renewals or deferred commissions (must provide supporting affidavit)

If you believe you qualify for an exemption, contact the Kentucky Department of Insurance.

Life & Health Producer Product-specific Requirements

Prior to selling, soliciting or negotiating the following products, you’re required to complete initial certification training. These training hours can be applied towards the total hours needed to renew your license.

What are the requirements to sell annuities?

Resident Kentucky producers must complete an 4-hour Annuity Best Interest Certification Training approved in Kentucky, prior to selling, soliciting, or negotiating annuity products. For Non-resident producers, Annuity Best Interest Training courses completed in any other state based on the NAIC 2020 Annuity Model Law updates will reciprocate with the Kentucky requirement.

What are the requirements to sell Long-Term Care Partnership products?

Producers must complete an initial 8-hour Long-Term Care Partnership (LTCP) Certification Training prior to selling, soliciting, or negotiating LTCP products/policies. After completing the initial requirement, producers must complete a 4-hour ongoing LTC Partnership training, due every license renewal cycle thereafter.

Property & Casualty Producer Product-specific Requirements

Producers must complete a one-time 3-hour course on NFIP Flood Insurance Certification Training prior to selling flood insurance policies.

2. Register for and Complete Courses

Once you have determined the renewal requirements for your license, you are ready to choose and register for insurance continuing education courses. You may complete your hours through webinars, online courses, or any combination of the two. These options allow you to decide how to best fit your continuing education into your existing schedule.

Each course is listed with an associated credit type. You must select courses that have the appropriate credit types for fulfilling the renewal requirements for your license.

Webinars: Completion is based on attendance and participation. You must be present for the full duration of the course, and you must be active throughout to receive credit. There is no certification exam required.

Online courses: Completion is self-paced. You must review the course material and pass the Certification Exam at the end to receive credit. Online and self study exams do not require a monitor.

A.D. Banker will report your completed hours to the Kentucky Department of Insurance within 1 business day.

3. File a Renewal Application

Once you have completed your courses and satisfied the renewal requirements for your license, you will need to file a renewal application. The online application will guide you through the renewal process. Upon successful renewal, your licensing record will be updated on the Kentucky Department of Insurance's website, and your renewed license can be immediately obtained using the state’s Print or Download Your License service.

Frequently Asked Questions

How do I find my license number?

To find your license number and other additional details relating to your license, use Kentucky’s Check a License service.

How do I print my license?

Your license can be printed online through the Kentucky Department of Insurance’s eServices.

How do I view my Continuing Education (CE) transcript?

Your continuing education transcript can be accessed by making an inquiry through eServices. Your transcript will show the number of hours you’ve completed.

How do I renew my license?

You can renew your license online with your eServices account. Once you have successfully completed the renewal process, your license can be obtained online. Your licensing record will be updated on the Kentucky Department of Insurance's website.

What if my license renewal is late?

If a license is renewed past the expiration date, a late penalty will be applied. Licensees have 90 days after the license expires to renew their license and pay the penalty before the license will be cancelled. Once the license is cancelled, you must take the steps to apply for a new license.

For additional information on late renewals, consult the Kentucky Department of Insurance.

A.D. Banker & Company provides licensing information as a courtesy to our students. While reasonable attempts have been made to ensure the accuracy of this information, licensees are ultimately responsible for ensuring that they are in compliance with the requirements set forth by their state licensing entity. A.D. Banker & Company offers no guarantee of the accuracy of this information and will not be held liable in case of noncompliance with the license requirements.