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Kentucky Health Insurance — Requirements & Free Practice

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Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Business Entity Agent License — Health Line of Authority

Business entity agent license exercising health authority through designated licensed individual agents. The entity has no personal examination requirement.

Licensing authority: Kentucky Department of Insurance · Application information

Business entity late renewal within sixty days
No examination is required for this applicant pathway.
Application
Submit Form 8301-BE or the uniform business entity application, fees, and disclosures of officers and directors.
Deadline
The commissioner may accept renewal request and fees within 60 days after March 31 expiration with the prescribed penalty and no interruption in license.
Designations
Maintain at least one licensed designee for each active line; report designation and termination within 30 days; no designee makes the line inactive or terminates the entity license as stated in KRS 304.9-133.
Implementation Demand
DOI FAQ 15 states: "The designated responsible licensed producer (agent) is required to have at least one active, individual insurer appointment to be designated to the entity." The statute sets first-designee and additional-designee conditions in KRS 304.9-133(3).
Individual Examinations
The entity must use licensed individual agents. Their separate license requirements are applicant conditions of the entity, and the entity itself does not sit a health examination.
Licensed Individuals
Each officer, director and member acting as an agent must hold an agent license; designate a licensed agent responsible for compliance. Entity exercises health authority through properly designated individuals.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity initial licensure outside reciprocity
No examination is required for this applicant pathway.
Application
Submit Form 8301-BE or the uniform business entity application, fees, and disclosures of officers and directors.
Designations
Maintain at least one licensed designee for each active line; report designation and termination within 30 days; no designee makes the line inactive or terminates the entity license as stated in KRS 304.9-133.
Implementation Demand
DOI FAQ 15 states: "The designated responsible licensed producer (agent) is required to have at least one active, individual insurer appointment to be designated to the entity." The statute sets first-designee and additional-designee conditions in KRS 304.9-133(3).
Individual Examinations
The entity must use licensed individual agents. Their separate license requirements are applicant conditions of the entity, and the entity itself does not sit a health examination.
Licensed Individuals
Each officer, director and member acting as an agent must hold an agent license; designate a licensed agent responsible for compliance. Entity exercises health authority through properly designated individuals.
Residency
Nonresident business entity not eligible under KRS 304.9-140 must satisfy KRS 304.9-130.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application, proper license request and fees; no grounds for denial under KRS 304.9-440.
Continuation
Maintain the applicable home-state license; the Kentucky nonresident license terminates when that license terminates.
Designations
Maintain at least one licensed designee for each active line; report designation and termination within 30 days; no designee makes the line inactive or terminates the entity license as stated in KRS 304.9-133.
Education
Meet home-state continuing education requirements; reciprocal credit avoids duplicate Kentucky continuing education under KRS 304.9-295(3)(c).
Home State License
Business entity is licensed as a resident agent for health in good standing in its home state, with equivalent reciprocal treatment.
Implementation Demand
DOI FAQ 15 states: "The designated responsible licensed producer (agent) is required to have at least one active, individual insurer appointment to be designated to the entity." The statute sets first-designee and additional-designee conditions in KRS 304.9-133(3).
Individual Examinations
The entity must use licensed individual agents. Their separate license requirements are applicant conditions of the entity, and the entity itself does not sit a health examination.
Licensed Individuals
Each officer, director and member acting as an agent must hold an agent license; designate a licensed agent responsible for compliance. Entity exercises health authority through properly designated individuals.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity biennial renewal
No examination is required for this applicant pathway.
Application
Submit Form 8301-BE or the uniform business entity application, fees, and disclosures of officers and directors.
Designations
Maintain at least one licensed designee for each active line; report designation and termination within 30 days; no designee makes the line inactive or terminates the entity license as stated in KRS 304.9-133.
Home State License
A reciprocal nonresident entity must maintain its applicable home-state license under KRS 304.9-140(8).
Implementation Demand
DOI FAQ 15 states: "The designated responsible licensed producer (agent) is required to have at least one active, individual insurer appointment to be designated to the entity." The statute sets first-designee and additional-designee conditions in KRS 304.9-133(3).
Individual Examinations
The entity must use licensed individual agents. Their separate license requirements are applicant conditions of the entity, and the entity itself does not sit a health examination.
Licensed Individuals
Each officer, director and member acting as an agent must hold an agent license; designate a licensed agent responsible for compliance. Entity exercises health authority through properly designated individuals.
Renewal
Renewal request and fees are due March 31 of the biennial year matching the parity of the initial licensing year.

Official no-examination sources

Effective from 2026-09-22.

Business entity reapplication following expiration
No examination is required for this applicant pathway.
Application
Submit Form 8301-BE or the uniform business entity application, fees, and disclosures of officers and directors.
Designations
Maintain at least one licensed designee for each active line; report designation and termination within 30 days; no designee makes the line inactive or terminates the entity license as stated in KRS 304.9-133.
Implementation Demand
DOI FAQ 15 states: "The designated responsible licensed producer (agent) is required to have at least one active, individual insurer appointment to be designated to the entity." The statute sets first-designee and additional-designee conditions in KRS 304.9-133(3).
Individual Examinations
The entity must use licensed individual agents. Their separate license requirements are applicant conditions of the entity, and the entity itself does not sit a health examination.
Licensed Individuals
Each officer, director and member acting as an agent must hold an agent license; designate a licensed agent responsible for compliance. Entity exercises health authority through properly designated individuals.
Prior License
Reapply using the entity licensing requirements after the license expires; KRS 304.9-170(1) specifies an individual-license fee-lapse exemption, and entity licensing is governed by KRS 304.9-130.

Official no-examination sources

Effective from 2026-09-22.

Business entity requalification after revocation
No examination is required for this applicant pathway.
Application
Submit Form 8301-BE or the uniform business entity application, fees, and disclosures of officers and directors.
Designations
Maintain at least one licensed designee for each active line; report designation and termination within 30 days; no designee makes the line inactive or terminates the entity license as stated in KRS 304.9-133.
Implementation Demand
DOI FAQ 15 states: "The designated responsible licensed producer (agent) is required to have at least one active, individual insurer appointment to be designated to the entity." The statute sets first-designee and additional-designee conditions in KRS 304.9-133(3).
Individual Examinations
The entity must use licensed individual agents. Their separate license requirements are applicant conditions of the entity, and the entity itself does not sit a health examination.
Licensed Individuals
Each officer, director and member acting as an agent must hold an agent license; designate a licensed agent responsible for compliance. Entity exercises health authority through properly designated individuals.
Waiting Period
Wait at least one year after revocation and qualify again under KRS 304.9-130. An entity whose license has been revoked twice is ineligible; member/officer/director restrictions under KRS 304.9-450(3) also apply.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit Form 8301-BE or the uniform business entity application, fees, and disclosures of officers and directors.
Designations
Maintain at least one licensed designee for each active line; report designation and termination within 30 days; no designee makes the line inactive or terminates the entity license as stated in KRS 304.9-133.
Implementation Demand
DOI FAQ 15 states: "The designated responsible licensed producer (agent) is required to have at least one active, individual insurer appointment to be designated to the entity." The statute sets first-designee and additional-designee conditions in KRS 304.9-133(3).
Individual Examinations
The entity must use licensed individual agents. Their separate license requirements are applicant conditions of the entity, and the entity itself does not sit a health examination.
Licensed Individuals
Each officer, director and member acting as an agent must hold an agent license; designate a licensed agent responsible for compliance. Entity exercises health authority through properly designated individuals.
Residency
Resident business entity applying under KRS 304.9-130.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity biennial renewal
No examination is required for this applicant pathway.
Application
Submit Form 8301-BE or the uniform business entity application, fees, and disclosures of officers and directors.
Designations
Maintain at least one licensed designee for each active line; report designation and termination within 30 days; no designee makes the line inactive or terminates the entity license as stated in KRS 304.9-133.
Implementation Demand
DOI FAQ 15 states: "The designated responsible licensed producer (agent) is required to have at least one active, individual insurer appointment to be designated to the entity." The statute sets first-designee and additional-designee conditions in KRS 304.9-133(3).
Individual Examinations
The entity must use licensed individual agents. Their separate license requirements are applicant conditions of the entity, and the entity itself does not sit a health examination.
Licensed Individuals
Each officer, director and member acting as an agent must hold an agent license; designate a licensed agent responsible for compliance. Entity exercises health authority through properly designated individuals.
Renewal
Renewal request and fees are due March 31 of the biennial year matching the parity of the initial licensing year. Entity CE is not imposed by KRS 304.9-295(1), which applies to individuals. Designated individual agents must satisfy their own applicable CE.

Official no-examination sources

Effective from 2026-09-22.

Kentucky Health Insurance Agent License

Individual agent license with the health line of authority. Resident, nonresident, reinstatement, and commission-only conditions are represented by routes.

Licensing authority: Kentucky Department of Insurance · Application information

Maintenance of license solely for renewal or deferred commissions
No examination is required for this applicant pathway.
Renewal
Meet applicable renewal request and fee requirements; the affidavit exempts CE while the restricted purpose is maintained.
Restricted Practice
Maintain the license solely to receive renewal or deferred commissions; submit the supporting Form CE AFF 304. Selling, soliciting and negotiating remain restricted.

Official no-examination sources

Effective from 2026-09-22.

Reactivation from commission only restrictions
No examination is required for this applicant pathway.
Continuing Education
Complete CE for the immediately preceding biennium and provide certification of completion.
Withdrawal
Provide a signed written statement withdrawing the affidavit; DOI may then remove selling, soliciting and negotiating restrictions.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure with a professional designation or insurance degree prelicensing exemption
Health Insurance License Examination
Application
Submit the uniform individual application, applicable fees, supporting background disclosures, and the Kentucky Administrative Office of the Courts report when designating Kentucky as home state (KRS 304.9-150; 806 KAR 9:025 Section 2).
Appointment
Insurer appointment is required when representing the insurer; initial appointment filing follows KRS 304.9-270 and 806 KAR 9:025 Section 7.
Financial Responsibility
Maintain errors-and-omissions insurance of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 cash surety bond, or the qualifying exclusive-insurer assumption agreement for at least $20,000 per occurrence (KRS 304.9-105(1)(f), effective July 15, 2026).
Fitness
Must be trustworthy, reliable and of good reputation, and must not have committed a ground for denial under KRS 304.9-440.
Minimum Age
At least 18 years of age (KRS 304.9-105(1)(a)).
Prelicensing
Exempt from the course of study under KRS 304.9-107 for CIC, RHU, CEBS, REBC, HIA, or an insurance degree from an accredited college or university; the health examination remains required.
Qualification
Hold one of the health-qualifying designations or the qualifying insurance degree; satisfy resident designation or the general nonresident qualifications.
Reinstatement following continuing education termination within twelve months
No examination is required for this applicant pathway.
Application
Submit a new application, required attachments and applicable fees; AOC background report when applicable, and insurers must reappoint after reinstatement.
Continuing Education
Complete the delinquent CE hours.
Deadline
Apply for reissue within 12 months of termination.
Examination
Prelicensing and examination are exempt during the statutory and DOI reinstatement window.

Official no-examination sources

Effective from 2026-09-22.

Reissue after license lapse within twelve months
No examination is required for this applicant pathway.
Education
Satisfy applicable delinquent continuing education and application requirements; examination and prelicensing are exempt under KRS 304.9-170(1).
Penalty
Pay the penalty of double the unpaid renewal fee. The Department issues the same lines of authority.
Prior License
Individual health license lapsed; renewal fee must be paid within 12 months of its due date.

Official no-examination sources

Effective from 2026-09-22.

Late license renewal within sixty days
No examination is required for this applicant pathway.
Continuing Education
Required CE must have been completed by expiration; compliance evidence must be received within 60 days after expiration.
Deadline
DOI may accept the renewal request and fees within 60 days after expiration, with the statutory penalty and no interruption in license.

Official no-examination sources

Effective from 2026-09-22.

Requalification after revocation
Health Insurance License Examination
Application
Submit the uniform individual application, applicable fees, supporting background disclosures, and the Kentucky Administrative Office of the Courts report when designating Kentucky as home state (KRS 304.9-150; 806 KAR 9:025 Section 2).
Appointment
Insurer appointment is required when representing the insurer; initial appointment filing follows KRS 304.9-270 and 806 KAR 9:025 Section 7.
Exemption Restriction
The recent-Kentucky-license exemption does not apply after disqualifying revocation or suspension; KRS 304.9-170(2) preserves it for continuing education failures only.
Financial Responsibility
Maintain errors-and-omissions insurance of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 cash surety bond, or the qualifying exclusive-insurer assumption agreement for at least $20,000 per occurrence (KRS 304.9-105(1)(f), effective July 15, 2026).
Fitness
Must be trustworthy, reliable and of good reputation, and must not have committed a ground for denial under KRS 304.9-440.
Minimum Age
At least 18 years of age (KRS 304.9-105(1)(a)).
Prelicensing
Complete 20 hours for health; a life-and-health application requires 40 hours. Approved prelicensing completion is valid for one year (806 KAR 9:025 Section 1).
Waiting Period
At least one year after revocation, then qualify again under the applicable Code provisions. A person whose license has been revoked twice is ineligible.
Requalification after continuing education delinquency of twelve months or longer
Health Insurance License Examination
Application
Submit the uniform individual application, applicable fees, supporting background disclosures, and the Kentucky Administrative Office of the Courts report when designating Kentucky as home state (KRS 304.9-150; 806 KAR 9:025 Section 2).
Appointment
Insurer appointment is required when representing the insurer; initial appointment filing follows KRS 304.9-270 and 806 KAR 9:025 Section 7.
Financial Responsibility
Maintain errors-and-omissions insurance of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 cash surety bond, or the qualifying exclusive-insurer assumption agreement for at least $20,000 per occurrence (KRS 304.9-105(1)(f), effective July 15, 2026).
Fitness
Must be trustworthy, reliable and of good reputation, and must not have committed a ground for denial under KRS 304.9-440.
Hardship Waiver
Military service, long-term medical disability, or other extenuating circumstances may support a written request to waive renewal procedures, examination requirements, fines or sanctions under KRS 304.9-260(3). DOI military waivers are case-by-case and require documentation; this condition does not remove the current health examination.
Minimum Age
At least 18 years of age (KRS 304.9-105(1)(a)).
Prelicensing
Complete 20 hours for health; a life-and-health application requires 40 hours. Approved prelicensing completion is valid for one year (806 KAR 9:025 Section 1).
Prior License
Continuing education delinquency remains unsatisfied for 12 months or longer; complete all licensing requirements under 806 KAR 9:025 Section 5(6)(b)2.
Agent licensure based on a current or recent Kentucky health consultant license
No examination is required for this applicant pathway.
Application
Submit the uniform individual application, applicable fees, supporting background disclosures, and the Kentucky Administrative Office of the Courts report when designating Kentucky as home state (KRS 304.9-150; 806 KAR 9:025 Section 2).
Appointment
Insurer appointment is required when representing the insurer; initial appointment filing follows KRS 304.9-270 and 806 KAR 9:025 Section 7.
Financial Responsibility
Maintain errors-and-omissions insurance of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 cash surety bond, or the qualifying exclusive-insurer assumption agreement for at least $20,000 per occurrence (KRS 304.9-105(1)(f), effective July 15, 2026).
Fitness
Must be trustworthy, reliable and of good reputation, and must not have committed a ground for denial under KRS 304.9-440.
Minimum Age
At least 18 years of age (KRS 304.9-105(1)(a)).
Prelicensing
Prelicensing education and examination are exempt under KRS 304.9-170(6).
Prior License
Currently hold the Kentucky consultant license for health, or held it within 12 months before application; exemption unavailable after revocation, suspension or refusal of continuation for reasons other than failure to maintain the required consultant financial responsibility.

Official no-examination sources

Effective from 2026-09-22.

Restricted nonresident health authority based on a home state limited line
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application, proper license request and fees; no grounds for denial under KRS 304.9-440.
Continuation
Maintain the applicable home-state license; the Kentucky nonresident license terminates when that license terminates.
Education
Meet home-state continuing education requirements; reciprocal credit avoids duplicate Kentucky continuing education under KRS 304.9-295(3)(c).
Home State License
Hold a resident health agent license in good standing in the home state, which grants equivalent reciprocity to Kentucky residents.
Limited Authority
KRS 304.9-140(6) permits a nonresident major line when the home-state limited line is not offered in Kentucky. Health authority remains restricted to the scope allowed by the home-state limited license.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure for a nonresident not eligible under reciprocity
Health Insurance License Examination
Application
Submit the uniform individual application, applicable fees, supporting background disclosures, and the Kentucky Administrative Office of the Courts report when designating Kentucky as home state (KRS 304.9-150; 806 KAR 9:025 Section 2).
Appointment
Insurer appointment is required when representing the insurer; initial appointment filing follows KRS 304.9-270 and 806 KAR 9:025 Section 7.
Financial Responsibility
Maintain errors-and-omissions insurance of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 cash surety bond, or the qualifying exclusive-insurer assumption agreement for at least $20,000 per occurrence (KRS 304.9-105(1)(f), effective July 15, 2026).
Fitness
Must be trustworthy, reliable and of good reputation, and must not have committed a ground for denial under KRS 304.9-440.
Minimum Age
At least 18 years of age (KRS 304.9-105(1)(a)).
Prelicensing
Complete 20 hours for health; a life-and-health application requires 40 hours. Approved prelicensing completion is valid for one year (806 KAR 9:025 Section 1).
Residency
Applicant is a nonresident not eligible for issuance under KRS 304.9-140; general KRS 304.9-105 qualifications apply.
Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application, proper license request and fees; no grounds for denial under KRS 304.9-440.
Continuation
Maintain the applicable home-state license; the Kentucky nonresident license terminates when that license terminates.
Education
Meet home-state continuing education requirements; reciprocal credit avoids duplicate Kentucky continuing education under KRS 304.9-295(3)(c).
Home State License
Hold a resident health agent license in good standing in the home state, which grants equivalent reciprocity to Kentucky residents.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial license renewal
No examination is required for this applicant pathway.
Application
Submit the home-state application or uniform application, proper license request and fees; no grounds for denial under KRS 304.9-440.
Continuation
Maintain the applicable home-state license; the Kentucky nonresident license terminates when that license terminates.
Continuing Education
Reciprocal nonresident exemption applies when home-state CE has been met and reciprocal credit is provided under KRS 304.9-295(3)(c).
Education
Meet home-state continuing education requirements; reciprocal credit avoids duplicate Kentucky continuing education under KRS 304.9-295(3)(c).
Home State License
Hold a resident health agent license in good standing in the home state, which grants equivalent reciprocity to Kentucky residents.
Renewal
Submit Kentucky renewal request and applicable fees by the applicable individual birth-month deadline.

Official no-examination sources

Effective from 2026-09-22.

Reapplication based on recent Kentucky licensure
No examination is required for this applicant pathway.
Application
Submit the uniform individual application, applicable fees, supporting background disclosures, and the Kentucky Administrative Office of the Courts report when designating Kentucky as home state (KRS 304.9-150; 806 KAR 9:025 Section 2).
Appointment
Insurer appointment is required when representing the insurer; initial appointment filing follows KRS 304.9-270 and 806 KAR 9:025 Section 7.
Financial Responsibility
Maintain errors-and-omissions insurance of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 cash surety bond, or the qualifying exclusive-insurer assumption agreement for at least $20,000 per occurrence (KRS 304.9-105(1)(f), effective July 15, 2026).
Fitness
Must be trustworthy, reliable and of good reputation, and must not have committed a ground for denial under KRS 304.9-440.
Minimum Age
At least 18 years of age (KRS 304.9-105(1)(a)).
Prelicensing
Prelicensing education and examination are exempt under KRS 304.9-170(2).
Prior License
Held a similar non-temporary Kentucky health license within 12 months before application; the exemption is unavailable if revoked or suspended for a reason other than failure to meet continuing education.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Health Insurance License Examination
Application
Submit the uniform individual application, applicable fees, supporting background disclosures, and the Kentucky Administrative Office of the Courts report when designating Kentucky as home state (KRS 304.9-150; 806 KAR 9:025 Section 2).
Appointment
Insurer appointment is required when representing the insurer; initial appointment filing follows KRS 304.9-270 and 806 KAR 9:025 Section 7.
Financial Responsibility
Maintain errors-and-omissions insurance of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 cash surety bond, or the qualifying exclusive-insurer assumption agreement for at least $20,000 per occurrence (KRS 304.9-105(1)(f), effective July 15, 2026).
Fitness
Must be trustworthy, reliable and of good reputation, and must not have committed a ground for denial under KRS 304.9-440.
Minimum Age
At least 18 years of age (KRS 304.9-105(1)(a)).
Prelicensing
Complete 20 hours for health; a life-and-health application requires 40 hours. Approved prelicensing completion is valid for one year (806 KAR 9:025 Section 1).
Residency
Designate Kentucky as home state and maintain eligibility under KRS 304.9-120.
Resident licensure after relocating to Kentucky
No examination is required for this applicant pathway.
Application
Submit the uniform individual application, applicable fees, supporting background disclosures, and the Kentucky Administrative Office of the Courts report when designating Kentucky as home state (KRS 304.9-150; 806 KAR 9:025 Section 2).
Appointment
Insurer appointment is required when representing the insurer; initial appointment filing follows KRS 304.9-270 and 806 KAR 9:025 Section 7.
Existing Kentucky License
If already holding a Kentucky nonresident license, DOI FAQ 18 calls for Form 8301, supporting background documentation, and an AOC report; no fee if the change is within 90 days of previous resident-state inactive status.
Financial Responsibility
Maintain errors-and-omissions insurance of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 cash surety bond, or the qualifying exclusive-insurer assumption agreement for at least $20,000 per occurrence (KRS 304.9-105(1)(f), effective July 15, 2026).
Fitness
Must be trustworthy, reliable and of good reputation, and must not have committed a ground for denial under KRS 304.9-440.
Minimum Age
At least 18 years of age (KRS 304.9-105(1)(a)).
Prelicensing
Exempt under KRS 304.9-170(5), except as otherwise established by administrative regulation.
Prior License
Licensed as a resident producer in another state within the last 12 months for health; apply within 90 days of establishing Kentucky residence.

Official no-examination sources

Effective from 2026-09-22.

Resident biennial license renewal
No examination is required for this applicant pathway.
Appointment Fee
DOI FAQ 10 states that an agent with active insurer appointments has no renewal fee but must still renew.
Continuing Education
Complete 24 approved hours, including 3 ethics hours, each biennium unless exempt; proof is due within the statutory 60-day period.
Course Examinations
A continuing education course may require an examination, and self-study courses require successful completion; these are course-completion conditions under KRS 304.9-295(6)(d) and 806 KAR 9:025 Section 5(1)(g).
Renewal
Submit renewal request, required fees, and CE documentation by the last day of the birth month in the applicable birth-year parity; first renewal and CE compliance adjust when licensed less than one year.

Official no-examination sources

Effective from 2026-09-22.

Relicensure after Department of Insurance employment
No examination is required for this applicant pathway.
Application
Submit the uniform individual application, applicable fees, supporting background disclosures, and the Kentucky Administrative Office of the Courts report when designating Kentucky as home state (KRS 304.9-150; 806 KAR 9:025 Section 2).
Appointment
Insurer appointment is required when representing the insurer; initial appointment filing follows KRS 304.9-270 and 806 KAR 9:025 Section 7.
Financial Responsibility
Maintain errors-and-omissions insurance of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 cash surety bond, or the qualifying exclusive-insurer assumption agreement for at least $20,000 per occurrence (KRS 304.9-105(1)(f), effective July 15, 2026).
Fitness
Must be trustworthy, reliable and of good reputation, and must not have committed a ground for denial under KRS 304.9-440.
Minimum Age
At least 18 years of age (KRS 304.9-105(1)(a)).
Prelicensing
Prelicensing education and examination are exempt under KRS 304.9-170(7).
Prior License
Surrendered the same-line Kentucky license to accept DOI employment; apply within 12 months after employment ends.

Official no-examination sources

Effective from 2026-09-22.

Initial licensure based on an existing or recently cancelled same line license
No examination is required for this applicant pathway.
Application
Submit the uniform individual application, applicable fees, supporting background disclosures, and the Kentucky Administrative Office of the Courts report when designating Kentucky as home state (KRS 304.9-150; 806 KAR 9:025 Section 2).
Appointment
Insurer appointment is required when representing the insurer; initial appointment filing follows KRS 304.9-270 and 806 KAR 9:025 Section 7.
Financial Responsibility
Maintain errors-and-omissions insurance of at least $20,000 per occurrence and $100,000 aggregate, a $20,000 cash surety bond, or the qualifying exclusive-insurer assumption agreement for at least $20,000 per occurrence (KRS 304.9-105(1)(f), effective July 15, 2026).
Fitness
Must be trustworthy, reliable and of good reputation, and must not have committed a ground for denial under KRS 304.9-440.
Minimum Age
At least 18 years of age (KRS 304.9-105(1)(a)).
Prelicensing
Prelicensing education and examination are exempt under KRS 304.9-170(4).
Prior License
Previously licensed for the health line in another state; either currently licensed there, or apply within 90 days of cancellation with evidence of good standing at cancellation.

Official no-examination sources

Effective from 2026-09-22.

Temporary Agent License

Temporary agent license limited to the insurance kinds and insurers of the replaced agent, including health when that agent held health authority.

Licensing authority: commissioner · Application information

Temporary licensure of a business entity member or employee
No examination is required for this applicant pathway.
Application
Submit the form and information required by the commissioner and the applicable application fee.
Authority
Only the same insurance kinds, including health, and insurers as the replaced agent; no new insurer or insurance-kind appointment.
Business Disposition
License cannot continue after the owner or personal representative disposes of the business.
Duration
The commissioner must deem temporary issuance necessary; maximum 180 days.
Eligibility
Member or employee of an agent business entity after the death or disability of its sole designated individual holding health authority.
Limitations
Not solely for controlled business; no sales on the licensee's own life or a relative's life. Commissioner may limit or revoke authority, require a licensed-agent or insurer sponsor, and impose protective conditions.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure of a military service designee
No examination is required for this applicant pathway.
Application
Submit the form and information required by the commissioner and the applicable application fee.
Authority
Only the same insurance kinds, including health, and insurers as the replaced agent; no new insurer or insurance-kind appointment.
Business Disposition
License cannot continue after the owner or personal representative disposes of the business.
Duration
The commissioner must deem temporary issuance necessary; maximum 180 days.
Eligibility
Designee of a licensed health agent entering active service in the United States Armed Forces.
Limitations
Not solely for controlled business; no sales on the licensee's own life or a relative's life. Commissioner may limit or revoke authority, require a licensed-agent or insurer sponsor, and impose protective conditions.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure in another public interest circumstance
No examination is required for this applicant pathway.
Application
Submit the form and information required by the commissioner and the applicable application fee.
Authority
Only the same insurance kinds, including health, and insurers as the replaced agent; no new insurer or insurance-kind appointment.
Business Disposition
License cannot continue after the owner or personal representative disposes of the business.
Duration
The commissioner must deem temporary issuance necessary; maximum 180 days.
Eligibility
Another circumstance in which the commissioner determines that the public interest is best served by temporary licensing for health business.
Limitations
Not solely for controlled business; no sales on the licensee's own life or a relative's life. Commissioner may limit or revoke authority, require a licensed-agent or insurer sponsor, and impose protective conditions.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure of a surviving spouse or personal representative
No examination is required for this applicant pathway.
Application
Submit the form and information required by the commissioner and the applicable application fee.
Authority
Only the same insurance kinds, including health, and insurers as the replaced agent; no new insurer or insurance-kind appointment.
Business Disposition
License cannot continue after the owner or personal representative disposes of the business.
Duration
The commissioner must deem temporary issuance necessary; maximum 180 days.
Eligibility
Surviving spouse or court-appointed personal representative of a licensed health agent who dies or becomes mentally or physically disabled, to permit business sale, recovery/return of the agent, or training and licensing of replacement personnel.
Limitations
Not solely for controlled business; no sales on the licensee's own life or a relative's life. Commissioner may limit or revoke authority, require a licensed-agent or insurer sponsor, and impose protective conditions.

Official no-examination sources

Effective from 2026-09-22.

Health Insurance License Examination

Provider
Kentucky Department of Insurance
Format
Written examination, computerized and graded upon completion
Exam questions
50 questions, as allocated by the published outline
Passing score
70% of questions answered correctly
Exam fee
$50 per examination, including retake
Examination outline
  • Types of Health Insurance Policies (8%)
    • Contract and Policy Terminology
    • General Categories of Health Policies
    • Accident Policies
    • Definition of Accident
    • Accident Benefits
    • Dismemberment
    • Capital and Principal Sums
    • Accidental Death Benefit
    • Multiple Indemnity
    • Accidental Means
    • Accidental Death Time Limits
  • Disability Income Insurance (8%)
    • Function of Disability Income Insurance
    • Individual versus Group Coverage
    • Financial Planning Considerations
    • Alternatives to Disability Income Insurance
    • Basic Disability Income Provisions
    • Defining Total Disability
    • Probationary Period
    • Elimination Period
    • Benefit Periods
    • Benefit Amounts
    • Confining versus Nonconfining Disability
    • Other Disability Concepts
    • Partial Disability
    • Residual Disability
    • Recurrent Disability
    • Delayed Disability
    • Combined Accident and Sickness Disabilities
    • Nondisabling Injuries
    • Optional Short-Term Benefits
    • Rehabilitation Benefit
    • Disability Insurance Refund Provisions
    • Return of Premium
    • Cash Surrender Value
    • Business Uses
    • Key Person Disability
    • Business Overhead Expense
    • Reducing Term Disability
    • Disability Buy-Sell
  • Medical Expense Insurance (8%)
    • Basic Expense Insurance
    • Individual versus Group Coverage
    • Hospital Expense Benefits
    • Room and Board Benefit
    • Miscellaneous Medical Expenses Benefit
    • Surgical Expense Benefits
    • Scheduled Plan
    • Nonscheduled Plan
    • Regular Medical Expense Benefits
    • Other Medical Expense Benefits
    • Maternity Benefits
    • Emergency First-Aid Coverage
    • Mental Infirmity
    • Common Exclusions and Limitations
    • Major Medical Coverage
    • Comprehensive Major Medical Benefits
    • Supplemental Major Medical Benefits
    • Covered Expenses
    • Other Major Medical Concepts
    • Deductible Features
    • Benefit Periods and Inside Limits
    • Restoration of Benefits
  • Health Insurance Providers (8%)
    • Traditional Insurers
    • Stocks and Mutual Companies
    • Fraternals
    • Consumer Cooperatives
    • Participating and Nonparticipating Policies
    • Domestic, Foreign, and Alien Companies
    • Authorized/Admitted and Unauthorized/Nonadmitted Companies
    • Health Maintenance Organizations (HMOs)
    • Preferred Provider Organizations (PPOs)
    • Point-of-Service Plans
  • Common Provisions and Features (8%)
    • Insuring Clause
    • Consideration Clause
    • Benefits Payment Provision
    • Free-Look Provision
    • Assignment
    • Accumulations
    • Policy Continuation
    • Optionally and Conditionally Renewable Policies
    • Cancelable Policies
    • Guaranteed Renewable Policies
    • Noncancelable Policies
    • Term Policies
    • Nonoccupational versus Full Coverage Policies
    • Case Management Provisions
    • Dependents’ Rights in Family Policies
    • Conversion to an Individual Policy
    • Newborn Children
    • Physical and Mental Handicaps
    • Riders and Endorsements
    • Multiple Indemnity Rider
    • Waiver of Premium Rider
    • Hospital Confinement Rider
    • Impairment Rider
    • Guaranteed Insurability Rider
    • Cost of Living Adjustment
    • Social Security Rider
    • Lifetime Extension Rider
  • Required Uniform Policy Provisions (6%)
    • Required Provision 1: Entire Contract; Changes
    • Required Provision 2: Time Limit on Certain Defenses – Incontestability
    • Required Provision 3: Grace Period
    • Required Provision 4: Reinstatement
    • Required Provision 5: Notice of Claim
    • Required Provision 6: Claim Forms
    • Required Provision 7: Proof of Loss
    • Required Provision 8: Time of Payment of Claims
    • Required Provision 9: Payment of Claims
    • Required Provision 10: Physical Examination and Autopsy
    • Required Provision 11: Legal Actions
    • Required Provision 12: Change of Beneficiary
  • Optional Uniform Policy Provisions (6%)
    • Optional Provision 1: Change of Occupation
    • Optional Provision 2: Misstatement of Age
    • Optional Provision 3: Other Insurance in this Insurer
    • Optional Provisions 4 and 5: Insurance with other Insurers
    • Optional Provision 6: Relation of Earnings to Insurance – Average Earnings Clause
    • Optional Provision 7: Unpaid Premium
    • Optional Provision 8: Cancellation
    • Optional Provision 9: Conformity with State Statutes
    • Optional Provision 10: Illegal Occupation
    • Optional Provision 11: Narcotics
  • The Application and Underwriting (8%)
    • Application Defined
    • Relationship of the Application to the Policy
    • Importance of the Application
    • Correcting Applications
    • Representations and Warranties
    • Concealment
    • Executing Agreements
    • Conditional Receipt
    • Agent Responsibilities
    • Policy Replacement
    • Obtaining Additional Underwriting Information
    • Inspection Reports
    • Medical Reports
    • Medical Information Bureau (MIB)
    • Fair Credit Reporting Act
    • Information and Privacy Protection Acts
    • Risk Classification
    • Commonly Used Factors
    • Three Major Risk Types
    • Occupational Hazards
    • AIDS Considerations
    • Substandard Risks
    • Preferred Risks
    • Premium Payments
    • Definition of Premium
    • Earned and Unearned Premium
    • Payment Modes
    • Initial Premium
    • Policy Effective Date
    • Policy Term
    • Policy Fee
    • Factors in Premium Computation
    • Types of Reserves
    • Reinsurance
  • Group Health Insurance (8%)
    • The Nature of Group Coverage
    • Master Policy and Policyowner
    • Group Risk Selection
    • Eligibility and Eligibility Period
    • Adverse Selection
    • Benefit Provisions
    • Establishing a Group Plan
    • Contributory and Noncontributory Plans
    • Certificates of Insurance
    • Group Premium Rating Factors
    • Group Policy Types
    • Group Coverage Provisions
    • Coordination of Benefits Provision
    • Continuation and Conversion Privileges
    • Plan Termination
    • COBRA and Employees’ Dependents
    • Group Insurance Plan Regulations
    • Age Discrimination in Employment Act
    • The Americans with Disabilities Act (ADA)
    • Pregnancy Discrimination
    • The Employee Retirement Income Security Act (ERISA)
    • Portability of Coverage
    • Group Health Insurance Funding Alternatives
    • Self-Insured Funds
    • 501(c)(9) Trusts
    • Third-Party Administrators and Administrative Services Only
    • Other Forms of Group Insurance
    • Blanket Policies
    • Franchise Policies
    • Multiple Employer Trusts (METs)
    • Multiple Employer Welfare Associations (MEWAs)
    • Taft-Hartley Trusts
    • Individual versus Group Insurance
  • Special Types of Health Policies (6%)
    • Dental Care Insurance
    • Basic Coverages
    • Exclusions and Limitations
    • Minimizing Adverse Selection
    • Limited Policies
    • Dread Disease
    • Travel Accident Insurance
    • Hospital Income (Indemnity) Insurance
    • Vision Care Insurance
    • Prescription Drug Policies
    • Credit Insurance
  • Long-Term Care (LTC) Insurance (6%)
    • Common Provisions
    • Benefit Triggers
    • Marketing LTC Coverage
    • Long-Term Care Partnership Program
  • Social Health Insurance (8%)
    • Medicare
    • Eligibility
    • Enrollment
    • Benefits Under Medicare Part A
    • What Part A does not Cover
    • Benefits Under Medicare Part B
    • What Part B does not Cover
    • Claims and Appeals
    • Medicare Supplement Insurance
    • Standard Medicare Supplement Benefits
    • Core Benefits
    • Optional Benefits
    • Standardized Policy Forms
    • Other Standard Provisions
    • Medicare Part C: Medicare Advantage
    • Medicare Part D: Prescription Drug Plan
    • Plans K and L
    • Medicare and Employer Coverage
    • Medicaid
    • Financial Tests
    • Spousal Impoverishment Rule
    • Medicare Cost Assistance
    • Social Security Disability
    • TRICARE
    • Workers' Compensation
    • Types of Benefits
    • Compensable Injuries
    • Occupational Diseases
    • Types of Disability
    • Compulsory and Elective Compensation Laws
    • Extraterritorial Provisions
    • Second Injury Funds
  • Health Insurance and Taxation (4%)
    • Taxation and Government Health Programs
    • Medicare
    • Social Security Disability Benefits
    • Taxation and Nongovernmental Plans
    • Individual Policies
    • Group Policies
    • Sole Proprietorships and Partnerships
    • Business Policies
    • Health Savings Accounts (HSAs)
  • Code & Regulations Kentucky Law (8%)
    • KRS 304.12-110
    • KRS 304.14-150
    • KRS 304.2-120
    • KRS 304.9-295
    • KRS 304.9-425(5)
    • KRS 304.9-440
    • KRS 304.42
    • 806 KAR 17:081 Sec. 3
    • 806 KAR 17:081 Sec.10
Examination sources