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.
Agent
Renewal fee:
$0
Late renewal fee:
$100
Fee disclaimers:
(with active appointment)
Agent
Renewal fee:
$100
Late renewal fee:
$200
Fee disclaimers:
(no active appointment)
Independent Adjuster
Renewal fee:
$50
Late renewal fee:
$100
Public Adjuster
Renewal fee:
$50
Late renewal fee:
$100
Administrator - (Third Party Administrator)
Renewal fee:
$50
Late renewal fee:
$100
Consultant
Renewal fee:
$100
Late renewal fee:
$200
Life Agent Registered as Life Settlement Broker
Renewal fee:
$250
Late renewal fee:
$500
Life Settlement Broker
Renewal fee:
$750
Late renewal fee:
$1500
Life Settlement Provider
Renewal fee:
$1500
Late renewal fee:
$3000
Managing General Agent
Renewal fee:
$100
Late renewal fee:
$200
Reinsurance Intermediary Broker
Renewal fee:
$100
Late renewal fee:
$200
Reinsurance Intermediary Provider
Renewal fee:
$100
Late renewal fee:
$200
Surplus Lines Broker
Renewal fee:
$100
Late renewal fee:
$200
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, Pre-Need Funeral
Independent Adjuster
DRLP Required
No Line of Authority Required
Public Adjuster
DRLP Required
No Line of Authority Required
Administrator - (Third Party Administrator)
DRLP Required
No Line of Authority Required
Consultant
DRLP Required
Life & Health, Property & Casualty
Life Agent Registered as Life Settlement Broker
DRLP Required
No Line of Authority Required
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 Provider
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.
- Late renew through NIPR's Resident License Renewal (RLR) Application.
- Print license electronically.
Applicant Cannot
- Submit partial renewals
Business Rules
Applicants renewing variable products license must have an active Kentucky life line of authority (LOA) on the PDB.
Life agent registered as life settlement broker, reinsurance intermediary manager and reinsurance intermediary broker must hold an active agent life license.
Delays may occur if it becomes necessary to investigate administrative actions or background information listed on the application.
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
- 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)
- All License Classes
- Renewal Period: Ninety (90) days prior to expiration date.
- Late Renewal Period: 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.