State Requirements

• 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).

• 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:

1.    Proof that the applicant is married to a current member of the Armed Forces of the United States;

2.    Proof that the applicant's spouse is assigned to a duty station in the Commonwealth of Kentucky; and

3.    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.

• Reinstatements:
  • If applicant is applying within twelve (12) months of license termination, the exam fee is waived for inactive lines of authority (LOAS) held. Regular license fees apply and there will be no additional reinstatement fee.
  • If all lines of authority are inactive the class fee will be assessed. If one (1) or more LOAS are active, then the class fee will be waived.
    • Example: Individual producer reinstating life and variable license would have a reinstatement fee of $40.00 (class fee) + $40.00 (life LOA) + $40.00 (variable LOA) = $120.00.
  • If all LOAS are inactive the class fee will be assessed. If one (1) or more LOAS are active, then the class fee will be waived.
    • Example: Individual producer reinstating life and variable license would have a reinstatement fee of $40.00 (class fee) + $40.00 (life LOA) + $40.00 (variable LOA) = $120.00.

• Amendment: 
  • Regular license fees apply.
    • Example: Individual producer adding life license would have an amendment fee of 
      • $40.00(life LOA) + $50.00 (life exam) = $90.00

• Reinstatement and Amendment:
  • If all lines of authority (LOAS) are inactive, class fee will be assessed. If one (1) or more LOAS are active, then class fee will be waived.
    • Example: Individual producer reinstating life and variable license plus adding new line of property would have a reinstatement fee of $40.00 (class fee) + $40.00 (life LOA) + $40.00 (Variable LOA) = $120.00. Amendment fee would be $40.00 (property LOA) + $50.00 (exam fee) = $90.00. Total reinstatement and amendment fee would be $210.00.
  • If all LOAs are inactive, class fee will be assessed. If one (1) or more LOAs are active, then class fee will be waived.

Reinstatement and Amendment Example:

• Individual producer reinstating life and variable license plus adding new line of property would have a reinstatement fee of $40.00 (class fee) + $40.00 (life LOA) + $40.00 (Variable LOA) = $120.00.
• Amendment fee would be $40.00 (property LOA) + $50.00 (exam fee) = $90.00. Total reinstatement and amendment fee would be $210.00.