State Requirements

KENTUCKY STATE REQUIREMENTS

Continuing Education 24 Hours Biennially
Including 3 Hours of Ethics

LICENSE RENEWAL

  • License renewal date is the last day of the agent’s birth month. Licensees born in an even-numbered year are required to complete their CE in even-numbered years. Licensees born in an odd-numbered year are required to complete their CE in odd-numbered years.

COURSES ACCEPTED FOR CE CREDIT

  • Classroom Courses / Webinars
  • Self-Study Courses
  • Online Courses
  • An Instructor can earn the same number of credit hours as the student

COURSE SUBJECT REQUIREMENTS

  • Three (3) hours of ethics each compliance period
  • At least six (6) hours must be approved for lines of insurance for which agents is licensed
  • The remaining sixteen (16) hours may be taken in any Kentucky approved course

ANNUITY REQUIREMENT

  • Effective 1/1/2022: Kentucky requires agents to act in the best interest of the consumer when recommending an annuity. The training requirement has been expanded to include the new standard of conduct. Agents licensed before 1/1/2022 must complete the training by 6/30/2022. Agents who have completed the original annuity training course under the old rule, must complete either a new one-time 4 hour course or an additional one-time 1 hour course. Agents who obtain a life insurance license on or after 1/1/2022 must complete the new one-time 4 hour course before selling annuities. Compliance with another state’s training requirements that are substantially similar to this requirement will be deemed in compliance with Kentucky’s requirement.

LONG TERM CARE REQUIREMENT

  • 8 hours initial LTC, and a 4 hours LTC every 24 months thereafter
  • Non-residents who satisfy the training requirements of another state that are similar to Kentucky’s law will be deemed compliant for Kentucky’s requirement

CARRYOVER REQUIREMENT

  • Up to twelve (12) credit hours can be carried over to the next compliance period
  • Excess hours in ethics will carry forward as general credit

COURSE REPETITION

  • Credit will not be given for a course that is repeated within a compliance period

FINAL EXAM

  • No monitor required for a final exam

EXEMPTIONS

  • Individuals licensed less than a year at the time of compliance. They are not exempt for the following compliance period
  • Nonresident agents who received their license through reciprocity and who have met the continuing education requirements of their home state
  • Individuals with limited lines of authority

For Additional Information please contact:

Kentucky Department of Insurance
500 Mero Street
2SE 11
Frankfort, KY 40601

Phone: 502-564-3630
Licensing Division
Phone: 502-564-6004
Fax: 502-564-6030

Web Site: insurance.ky.gov

Revised 4/5/22