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.
- 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:
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- 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.
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- To demonstrate compliance with KRS 12.357, an applicant shall include the following with their application:
Agent
Renewal fee:
$0
Late renewal fee:
$40
Fee disclaimers:
(with active appointment)
Agent
Renewal fee:
$40
Late renewal fee:
$80
Fee disclaimers:
(no active appointment)
Independent Adjuster
Fee:
$50
Late renewal fee:
$100
Public Adjuster
Renewal fee:
$50
Late renewal fee:
$100
Staff Adjuster
Renewal fee:
$50
Late renewal fee:
$100
Administrator - (Third Party Administrator)
Renewal fee:
$50
Late renewal fee:
$100
Life Agent Registered as Life Settlement Broker
Renewal fee:
$250
Late renewal fee:
$500
Life Settlement Broker
Renewal fee:
$250
Late renewal fee:
$500
Life Settlement Provider
Renewal fee:
$500
Late renewal fee:
$1000
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
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, Pre-Need Funeral
CE Required
Life, Health, Property, Casualty, Variable Life/Variable Annuity, Personal Lines, Crop
Independent Adjuster
No Line of Authority Required
Public Adjuster
No Line of Authority Required
Staff Adjuster
No Line of Authority Required
Administrator - (Third Party Administrator)
No Line of Authority Required
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
Surplus Lines Broker
No Line of Authority Required
Rental Vehicle Managing Employee
No Line of Authority Required
Consultant
Life & Health
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.
- 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.
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
(90) days prior to expiration date.
Late renewal period
Expiration date up to two months after expiration.
Continuing Education
- 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.
The following license classes/lines of authority must be CE compliant:
Agent
- Life
- Health
- Property
- Casualty
- Variable Life/Variable Annuity
- Personal Lines
- Crop
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.