Insurance License Renewal
The license term is every 2 years bases on the last day of the producer’s birth month in odd or even-numbered years. Producers born in an even-numbered year are required to complete their CE in even-numbered years. Producers born in an odd-numbered year are required to complete their CE in odd-numbered years.
Adjusters: First CE due date begins July 31, 2012 for all adjusters who have held a license for at least one year. The license term is every 2 years bases on the last day of the producer’s birth month in odd or even-numbered years. For the state bulletin regarding this information, click here.
State Insurance Product Training Requirements
State required training for insurance producers that sell annuity products.
Frequency: One-time training must be complete prior to selling annuity products. Residents who satisfy the training requirements of another state that are similar to the Kentucky law will be deemed compliant for the Kentucky requirement.
Long-Term Care Partnership Training
State required training for insurance producers that sell long-term care partnership products.
Frequency: One-time training must be complete prior to selling LTCP products.
Frequency: Ongoing training must be completed every license period, following the initial training requirement.
NFIP Flood Training
State required training for insurance producers that sell flood insurance products.
Frequency: One-time training must be complete prior to selling flood insurance products.
Insurance CE Exam Requirements
Self-study final exams are open book. Producers may refer to the course material as often as needed. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.
Self-study final exams do not require a monitor.
Self-Study Final Exam: 70%
Repetition and Carryover
A maximum of 12 excess CE hours may be carried forward to the next 2-year license term. Excess hours in ethics will carry forward as general credit.
A course may not be taken for credit more than once within a 2-year license term.
Reporting and Insurance CE Certificates of Completion
Certificates of Completion
WebCE provides online, printable certificates of completion in Kentucky. Certificates of completion will be available to print online immediately after the final exam is passed. The producer must keep a copy of each certificate of completion in his or her files for at least 5 years.
Next-Day Reporting: WebCE reports course completions electronically to the Kentucky Department of Insurance once every business day.
Insurance CE Course Requirements
Producers may complete the Kentucky CE requirements through self-study. The self-study course and exam can be either paper or online.
The student should read the course material prior to taking the final exam.
Producers must complete 3 hours in approved ethics courses. At least 6 of the 24 required CE hours must be completed in a line of authority held by the licensee, except adjusters who may take all courses in property and casualty.
- Excess ethics hours will go towards the optional hour requirement only.
Non-Resident Insurance CE Requirements
State-Specific Insurance Product Training
Before selling, soliciting, or negotiating annuity products in Kentucky, producers must complete a one-time annuity training course approved for at least 4 hours.
Non-Resident Insurance CE Requirements
Non-residents who satisfy the training requirements of another state that are similar to the Kentucky law will be deemed compliant for the Kentucky requirement.
Exemptions from Insurance CE Requirements
Insurance CE Exemptions
The following individuals are exempt from CE requirements:
- Producers who hold limited lines of authority under agent licenses
- Producers who have not been licensed for a full year by the CE compliance date
- Producers who hold nonresident licenses and have met the CE requirements of their home states
- Producers who hold a license for the sole purpose of receiving renewals or deferred commissions and providing the office with a support affidavit
- Non-resident adjusters who are licensed and in good standing in their resident state or designated home state. If the license terminates in their resident or designated home state their KY non-resident license will terminate and must be immediately surrendered.
Kentucky Department of Insurance
Filing a Complaint with the Kentucky Commission on Proprietary Education
To file a complaint with the Kentucky Commission on Proprietary Education, each person filing must submit a completed "Form to File a Complaint" (PE-24) to the Kentucky Commission on Proprietary Education by mail to Capital Plaza Tower, Room 302, 500 Mero Street, Frankfort, Kentucky 40601. This form can be found on the website at www.kcpe.ky.gov.
Student Protection Fund
KRS 165A.450 requires each school licensed by the Kentucky Commission on Proprietary to contribute to a Student Protection Fund which will be used to pay off debt incurred due to the closing of a school, discontinuance of a program, loss of license, or loss of accreditation by a school or program. To file a claim against the Student Protection Fund, each person filing must submit a completed "Form for Claims Against the Student Protection Fund". This form can be found on the website at www.kcpe.ky.gov.
WebCE provides information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither WebCE nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.