Kentucky Insurance Continuing Education Courses and Requirements
📅 Updated November 18, 2024🟠 ExamFX Provider #S15352
Courses Available
The following courses are currently available for Kentucky:
| Course Name | Credit Hours | Line of Authority |
| Anti-Money Laundering - Ethical Decision Making for Insurance Producers | 3.00 | Ethics |
| Ethical Practices: Avoiding E&O Claims | 3.00 | Ethics |
| Ethics & Insurance: How to Sell Ethically & Comply with the Law | 3.00 | Ethics |
| Front Line Fraud Prevention | 3.00 | Ethics |
| NFIP Flood Insurance | 3.00 | Flood |
| Distribution Planning | 4.00 | Life/Health |
| Group Benefits & Worksite Insurance | 4.00 | Life/Health |
| Health Insurance Policies: Protecting Clients from Health-Related Loss | 5.00 | Health |
| Indexed Product Training | 4.00 | Life/Health |
| Life Insurance Policy Types & Suitability | 6.00 | Life |
| Medicare Supplement Insurance: Closing the Gap | 4.00 | Life/Health |
| Principles of Life and Health Insurance | 12.00 | Life/Health |
| Retirement Planning | 4.00 | Life/Health |
| Variable Life & Annuities: Understanding Investment Potential and Risks | 5.00 | Life |
| Annuity Suitability and Best Interest Standard Training | 4.00 | Annuity Best Interest 4 hr |
| Long-Term Care Certification Training | 8.00 | LTC |
| Long-Term Care Certificate Refresher | 4.00 | LTC |
| Businessowners Policy (BOP) | 4.00 | Property/Casualty |
| Commercial Lines: Property/Auto/Liability | 4.00 | Property/Casualty |
| Personal Lines: Protecting Your Client's Home, Auto, & Critical Risks | 7.00 | Property/Casualty |
| Principles of Property and Casualty Insurance | 13.00 | Property and Casualty |
Required Hours
Producers and adjusters in Kentucky are required to take 24 hours of continuing education, including 3 hours of Ethics every 2 years. 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. Up to 12 hours of CE credit can be carried over to the next license term but will be credited as general hours only and will not meet the Ethics requirement. Courses cannot be repeated in the same renewal period.
NOTE: Be sure to complete all of your CE credit hours BEFORE submitting your license renewal application.
Category Restrictions
Licensees must take at least 6 hours of credit for each line of authority in which they are currently licensed, 3 hours in Ethics, and any remaining credits can be taken in any category to obtain their CE credits. It is recommended that they take courses pertaining to their license type.
License Term
• The license term is the last day of the producer's birth month, every 2 years.
• Licensees with even- numbered licenses will renew in even years and licensees with odd- numbered licenses will renew in odd years.
Producers may carry over 10 credit hours, maximum, into the next renewal cycle. No carryover allowance is allowed for adjusters. You may NOT repeat courses for credit more than once in a 2-year period (completion dates must be at least 24 months apart).
NOTE: Be sure to complete all of your CE credit hours BEFORE submitting your license renewal application.
Special Training
• FLOOD INSURANCE TRAINING – Kentucky licensed producers who sell National Flood Insurance Policies are required to take a one-time 3-hour course on Flood Insurance.
• ANNUITY BEST INTEREST TRAINING – Kentucky licensed producers must complete a state approved one-time 4-hour Annuity Suitability Best Interest Standard course before selling, soliciting or negotiating any annuity products. The ExamFX Annuity Best Interest course satisfies this requirement.
Course Presentation
• STUDY BY TOPIC QUIZZES – ExamFX recommends that all Study by Topic Quizzes are passed with a 70% or better.
• ATTESTATION – The attestation must be completed following the certificate exam.
Certificates of Completion
Your certificate of completion will be processed within two (2) business days and can be downloaded/printed from the "View Certificate(s)" link in the course launch portal. Completions are normally reported to the state entities within two (2) business days of the certificate having been issued.
Non-Resident Producers
Non-resident producers are not required to take CE in Kentucky if they have completed CE in their home state and remain in good standing.
LONG-TERM CARE TRAINING – A non-resident may take any 8-hour NAIC approved course in any licensed state.
ANNUITY BEST INTEREST CERTIFICATION TRAINING – For non-residents, 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.
CE Exemptions
• Producers who hold limited lines of authority
• Producers who have not been licensed for a full year by the CE compliance date
• Non-resident licensees who meet the requirements of their home states
• Producers who hold a license for the sole purposed of receiving renewals or deferred commissions and providing the office with support affidavit
License Renewal
Producers can renew licenses though their Kentucky Online Gateway (KOG) account.
State Contact Information
Kentucky Department of Insurance
Phone: (502) 564-3630
Fax: (502) 564-6030
Email: DOI.LicensingMail@ky.gov
Mailing Address: Agent Licensing – Continuing Education
P.O. Box 517
Frankfort, KY 40602-0517
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