Fees
Fees shown are state fees only. These fees do not include NIPR transaction fees.
- Fees are per application and are deemed earned when received and are not refundable, per KRS304.9-200(4).
- Applicants renewing an Agent license that hold at least one (1) active appointment in Kentucky are not charged the renewal fee, but are charged the late fee if the license is renewed past the expiration date.
- Kentucky allows a grace period with late penalty fee. The late penalty will be applied the 1st day after license expiration date up until two (2) months after license expiration month.
- ExpMth+0 = Expiration Month
- ExpMth+1 = 1st day of month after license expire month (Late fee charged)
- ExpMth+2 = 1st day of 2nd month after license expire month (Late fee charged)
- ExpMth+3 = 1st day of 3rd month after license expire month (License cancelled. No renewal allowed. Applicant will have to apply as new)
Agent
Renewal fee:
$0
Late renewal fee:
$120
Fee disclaimers:
With active appointment: Renewal Fee: $0 Late Renewal Fee: $120 Without: Renewal Fee: $120 Late Renewal Fee: $240
Independent Adjuster
Renewal fee:
$50
Late renewal fee:
$50
Public Adjuster
Renewal fee:
$50
Late renewal fee:
$50
Administrator - (Third Party Administrator)
Renewal fee:
$50
Late renewal fee:
$50
Consultant Life & Health
Renewal fee:
$100
Late renewal fee:
$100
Consultant Property & Casualty
Renewal fee:
$100
Late renewal fee:
$100
Life Settlement Broker
Renewal fee:
$1500
Late renewal fee:
$1500
Life Settlement Provider
Renewal fee:
$750
Late renewal fee:
$750
Managing General Agent
Renewal fee:
$100
Late renewal fee:
$100
Reinsurance Intermediary Broker
Fee:
$100
Late renewal fee:
$100
Reinsurance Intermediary Manager
Renewal fee:
$100
Late renewal fee:
$100
Surplus Lines Broker
Renewal fee:
$100
Late renewal fee:
$100
Lines of Authority
Please note that license class names can vary by state.
Applications for Other lines of authority will defer to state for approval.
Agent
DRLP Required
Life, Health, Variable Life/Variable Annuity, Property, Casualty, Personal Lines, Crop, Credit, Travel, Self-Service Storage Space, Vehicle Physical Damage, Vending Machine, Pre-Need Funeral
Independent Adjuster
DRLP Required
Property & Casualty, Crop, Workers' Compensation
Public Adjuster
DRLP Required
Property & Casualty
Administrator - (Third Party Administrator)
DRLP Required
No Line of Authority Required
Consultant
DRLP Required
Life & Health, Property & Casualty
Life Settlement Broker
DRLP Required
No Line of Authority Required
Life Settlement Provider
DRLP Required
No Line of Authority Required
Managing General Agent
DRLP Required
No Line of Authority Required
Reinsurance Intermediary Broker
DRLP Required
No Line of Authority Required
Reinsurance Intermediary Manager
DRLP Required
No Line of Authority Required
Surplus Lines Broker
DRLP Required
No Line of Authority Required
Rules and Regulations
Applicant Can
- Submit renewals for business entities electronically.
- Submit renewals for major lines of authority.
- Submit renewals for limited lines of authority.
- Submit renewals for surplus lines for business entities.
- Submit Non Resident Adjuster Renewal(NRAR) through Non Resident Renewal (NRR) application for business entities.
- Late renew through NIPR's Non-Resident Renewal (NRR) Application.
- License printing available electronically.
Applicant Cannot
- Submit partial renewals.
Business Rules
Applicant's Tax ID, license number, and addresses must match current Producer Database (PDB) record for resident state.
Applicant's state of residence must match current PDB record.
Applicant must renew all lines under a license class. No Partial Renewals are allowed.
Non-residents applicants must maintain the LOAs they hold in KY in their current resident state in order to renew. If additional LOAs are held in KY than held in the resident state, the LOA must be cancelled prior to renewal using the KY Eservices System to complete a “voluntary surrender” of the LOAs through the established eServices account, or contact DOI.LicensingMail@ky.gov for assistance.
If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.
Special Instructions
Renewal Periods
All License Classes
Renewal Period Begins: Ninety (90) days prior to expiration date.
Renewal Period Ends: Expiration date up to two months after expiration.
Contact Information
Physical Address
Kentucky Department of Insurance
Mayo-Underwood Building
500 Mero Street, 2 SE 11
Frankfort, KY 40601
United States
Mailing Address
Kentucky Department of Insurance
P.O. Box 517
Frankfort, KY 40602
United States
State overview page
Learn more about state-specific licensing requirements and associate fees to ensure you have all the necessary information for compliance.