License Requirements

How to Renew a Kentucky Insurance License

How to Renew a Kentucky Insurance License

Kentucky Updates

5/22/20:  Kentucky amends the guidance to licensees for CE deadlines.

Kentucky Department of Insurance

Helpful Links

ph: (502) 564-6004

fax: (502) 564-6030



Find your license number

Print your license

View your CE transcript

File a renewal application

A.D. Banker Provider #: S11173

1. Review the State Requirements

In order to renew your insurance license, you must complete the required continuing education hours for the lines of insurance that you are licensed in. All of the hours must be completed and reported prior to your license renewal date to avoid a lapse in your license.


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.


CE Course Category Restrictions - Licensees must take at least 6 hours in line of authority.  Adjusters may take courses approved for Property/Casualty credit.

For All Licenses:

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

For Life & Health Producers:

Annuity Suitability - Valid until 12/31/2021

4 hrs - Producers must complete a one-time 4-hour Annuity Suitability Certification Training prior to selling, soliciting, or negotiating annuity products.

Annuity Best Interest Training Requirements Effective 1/1/2022

1 hr - Resident and non-resident producers already licensed and certified to sell annuity products in Kentucky prior to 1/1/2022 must complete an additional 1-hour annuity best interest training no later than June 30, 2022. A.D. Banker & Company offers this training online, as well as via live webinar.

Note: The new 4-Hour Annuity Best Interest course (online or webinar) also satisfies the required 1-hour of updated content training and both will be available for enrollment.

4 hrs - Resident and non-resident producers licensed on or after 1/1/2022, must complete a one-time 4-Hour Annuity Best Interest Certification Training course before selling, soliciting, or negotiating annuities.

Annuity best interest training courses completed in any other state that has adopted the NAIC 2020 Annuity Model Law updates reciprocate with the Kentucky requirement.

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

For Property & Casualty Producers:

3 hrs -
Property/Casualty producers must complete a one-time 3-hour course on NFIP Flood Insurance Certification Training prior to selling flood insurance policies.

There are also additional rules about how the course hours can be applied.


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


Courses may not be taken more than once in a reporting period.

If you meet any of criteria below, you may be exempt from the continuing education requirements.


  • Non-residents
  • 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 sole purpose of receiving renewals or deferred commissions (must provide supporting affidavit)

2. Register for and Complete Courses

Once you have determined the renewal requirements for your license, you can register for courses. Each course has an associated credit type; when registering for courses, select courses with credit types that will help to fulfill the renewal requirements for your license.

A.D. Banker offers webinar, online, and self study courses for Kentucky. You can register for courses under the Continuing Education menu at

You must fulfill the course requirements for each of the courses to have them reported.

  • Classroom and webinar course completions are based off of attendance and participation and do not require a completion exam. You must be present for the full duration of the course and be active and attentive throughout to receive credit.
  • Online and Self Study courses are 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.


Once a course has been completed, the completion must be reported to the state. A.D. Banker will report the course completions to the Kentucky Department of Insurance.

3. File a Renewal Application

Once you have satisfied the renewal requirements for your license, you can file a renewal application at

Continuing Education Webinars: Live online "classroom" courses... NO EXAMS!

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.