State Requirements

Kentucky / Resident Renewal / Individual

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  • Fees shown are state fees only. These fees do not include NIPR transaction fees.
  • Fees are per application.
  • 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.  
  • 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.

Agent

  • Renewal Fee: $0.00
  • Late Renewal Fee: $40.00
  • Fee Disclaimers: (with active appointment)

Agent

  • Renewal Fee: $40.00
  • Late Renewal Fee: $80.00
  • Fee Disclaimers: (no active appointment)

Independent Adjuster

  • Renewal Fee: $50.00
  • Late Renewal Fee: $100.00

Public Adjuster

  • Renewal Fee: $50.00
  • Late Renewal Fee: $100.00

Staff Adjuster

  • Renewal Fee: $50.00
  • Late Renewal Fee: $100.00

Administrator

  • Renewal Fee: $50.00
  • Late Renewal Fee: $100.00

Consultant

  • Renewal Fee: $100.00
  • Late Renewal Fee: $200.00

Life Agent Registered as Life Settlement Broker

  • Renewal Fee: $250.00
  • Late Renewal Fee: $500.00

Life Settlement Broker

  • Renewal Fee: $250.00
  • Late Renewal Fee: $500.00

Life Settlement Provider

  • Renewal Fee: $500.00
  • Late Renewal Fee: $1000.00

Managing General Agent

  • Renewal Fee: $100.00
  • Late Renewal Fee: $200.00

Reinsurance Intermediary Broker

  • Renewal Fee: $100.00
  • Late Renewal Fee: $200.00

Reinsurance Intermediary Manager

  • Renewal Fee: $100.00
  • Late Renewal Fee: $200.00

Surplus Lines Broker

  • Renewal Fee: $100.00
  • Late Renewal Fee: $200.00
  • Please note that license class names can vary by state.
PRODUCER

Agent

  • Life
  • Health
  • Variable Life / Variable Annuity
  • Property
  • Casualty
  • Personal Lines
  • Crop
  • Credit
  • Travel
  • Self-Service Storage Space
  • Pre-Need Funeral
Adjuster

Independent Adjuster

  • No Line of Authority Required

Public Adjuster

  • No Line of Authority Required

Staff Adjuster

  • No Line of Authority Required
OTHER

Administrator

  • No Line of Authority Required

Consultant

  • Life & Health
  • Property & Casualty

Life Agent Registered as Life Settlement Broker

  • No Line of Authority Required

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 Line Broker

  • No Line of Authority Required

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.
  • Can late renew through NIPR's Resident License Renewal (RLR) Application.
  • Print licenses 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.

  • Licenses requiring education must complete credit hours no later than last day of birth month.

  • 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.

  • 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:

(90) days prior to expiration date.

Late Renewal Period:

Expiration date up to two months after expiration.

  • Licenses requiring education must complete credit hours no later than last day of birth month.
  • NIPR verifies compliance with the states CE requirement prior to allowing submission of a renewal application. You may select your resident state on the following link: Verify My CE to view your CE transcript and determine whether the state has updated your status to compliant in their system and on what date.  It generally takes up to 72 hours from the compliance date for the status to be updated in our system.

Agent

  • Life
  • Health
  • Property
  • Casualty
  • Variable Life / Variable Annuity
  • Personal Lines
  • Crop

Consultant

  • Life & Health
  • Property & Casualty

Independent Adjuster

Public Adjuster

Life Settlement Broker

Life Agent Registered as Life Settlement Broker

Contact Information

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

Special Instructions

License Printing & eService

Frequently Asked Questions

Online printing information can be found by going to NIPR's license print page and selecting the state.

  • Exams are valid up to 12 months.