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)
- An individual submitting insurance application or renewal fees who is the spouse of a current member of the Armed Forces of the United States who is assigned a duty station in the Commonwealth of Kentucky shall be eligible for refund of fees, pursuant to KRS 12:357. Upon notification to the Kentucky Department of Insurance, the fees will be refunded to the individual within thirty (30) days of their submission if the applicant demonstrates compliance with the requirements of KRS 12:357.
- To demonstrate compliance with KRS 12.357, an applicant shall include the following with their application:
- Proof that the applicant is married to a current member of the Armed Forces of the United States;
- Proof that the applicant's spouse is assigned to a duty station in the Commonwealth of Kentucky; and
- Proof that the applicant has satisfied all statutory and regulatory pre-licensing course of study requirements, and all statutory and regulatory examination requirements, or proof that the applicant holds a valid individual insurance license issued by another state, the District of Columbia, or any possession or territory of the United States.
- To demonstrate compliance with KRS 12.357, an applicant shall include the following with their application:
Agent
Renewal fee:
$0
Late renewal fee:
$50
Fee disclaimers:
(with active appointment)
Agent
Renewal fee:
$50
Late renewal fee:
$100
Fee disclaimers:
(no active appointment)
Administrator - (Third Party Administrator)
Renewal fee:
$50
Late renewal fee:
$100
Consultant Life & Health
Renewal fee:
$100
Late renewal fee:
$200
Consultant Property & Casualty
Renewal fee:
$100
Late renewal fee:
$200
Life Settlement Broker
Renewal fee:
$500
Late renewal fee:
$1000
Life Settlement Provider
Renewal fee:
$250
Late renewal fee:
$500
Managing General Agent
Renewal fee:
$100
Late renewal fee:
$200
Reinsurance Intermediary Broker
Renewal fee:
$100
Late renewal fee:
$200
Reinsurance Intermediary Manager
Renewal fee:
$100
Late renewal fee:
$200
Rental Vehicle Managing Employee
Renewal fee:
$40
Late renewal fee:
$80
Surplus Lines Broker
Renewal fee:
$100
Late renewal fee:
$200
Lines of Authority
Please note that license class names can vary by state.
Agent
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
Administrator - (Third Party Administrator)
No Line of Authority Required
Consultant
Life & Health, Property & Casualty
Life Settlement Broker
No Line of Authority Required
Life Settlement Provider
No Line of Authority Required
Managing General Agent
No Line of Authority Required
Reinsurance Intermediary Broker
No Line of Authority Required
Reinsurance Intermediary Manager
No Line of Authority Required
Rental Vehicle Managing Employee
No Line of Authority Required
Surplus Lines Broker
No Line of Authority Required
Rules and Regulations
Applicant Can
- Submit renewals for individuals electronically.
- Submit renewals for major lines of authority.
- Submit renewals for limited lines of authority.
- Submit renewals for surplus lines for individuals.
- Late renew through NIPR's Non-Resident Renewal (NRR) Application.
- Print license electronically.
Applicant Cannot
- Submit partial renewals.
Business Rules
Applications containing a non-uniform class or lines of authority (LOAs) will be deferred to the state.
Applicant must renew all lines under a license class. No Partial Renewals are allowed.
Non-resident 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
Starts: Ninety (90) days prior to expiration date; 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.