KENTUCKY Resident Licensing for Individuals

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State Announcements

There are no announcements for Kentucky at this time.

Primary Rules (Individual)

Response Question
Yes Accepts initial license for individuals electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for individuals.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Resident License Application (RL).
Yes License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules (Individual)

Applicant must be eighteen (18) years old or older as determined from the applicant's date of birth, with an exception for Administrator applicants, who must be at least twenty-one (21) years old.

Applicants who are non-citizens must provide a copy of work authorization or green card.

Applicant must hold or apply for life to hold a variable line of authority (LOA).

Applicant must actively hold or apply for property and casualty LOA to hold a surplus lines broker license or a managing general agent license.

Applicant cannot actively hold independent adjuster license in conjunction with public adjuster, or staff adjuster license.

Applicant cannot hold public adjuster license in conjunction with staff or independent adjuster license.

Applicant cannot hold staff adjuster license in conjunction with public or independent adjuster license.

Applicants applying for the variable LOA must supply FINRA CRD number on application.

To apply for life agent registered as life settlement broker license, applicant must have held an active agent life license for at least one (1) year.

All reinsurance intermediary broker and managers must provide list of insurers to be represented. The state will verify agent or surplus lines broker license needed to hold this license.

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.

State Offerings (Individual)

Please note that license class names can vary by state.

License Class

Line of Authority (LOA)

Exam Required

Agent

Life

Yes

Agent

Health

Yes

Agent

Property

Yes

Agent

Casualty

Yes

Agent

Variable Life/Variable Annuity

No

Agent

Personal Lines

Yes

Agent

Crop

Yes

Agent

Credit

No

Agent

Travel

Yes

Consultant

Life & Health

Yes

Consultant

Property & Casualty

Yes

Apprentice Adjuster

None

No

Independent Adjuster

Workers' Compensation

Yes

Independent Adjuster

Property & Casualty

Yes

Independent Adjuster

Crop

Yes

Public Adjuster

Property & Casualty

Yes

Staff Adjuster

Workers' Compensation

Yes

Staff Adjuster

Property & Casualty

Yes

Staff Adjuster

Crop

Yes

Life Agent registered as Life Settlement Broker

None

No

Life Settlement Broker without Life Agent License

None

Yes

Life Settlement Provider

None

No

Managing General Agent

None

No

Reinsurance Intermediary Broker

None

No

Reinsurance Intermediary Manager

None

No

Rental Vehicle Managing Employee

None

No

Surplus Line Broker

None

No

Administrator

None

No

License Fees (Individual)

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

License Class / LOA Combination Fee * Reinstatement Fee *
Agent / All LOAs $40.00 Class Fee
$40.00 LOA Fee
$50.00 Exam Fee (excluding Variable Life & Annuity)
See Details Below
Consultant / All LOAs $100.00 Class Fee
$50.00 Exam Fee
See Details Below
Life Agent Registered as Life Settlement Broker / None $250.00 Class Fee See Details Below
Life Settlement Broker without Life Agent License / None $250.00 Class Fee $50 Exam Fee See Details Below
Life Settlement Provider / None $500.00 Class Fee See Details Below
Apprentice Adjuster / None $25.00 Class Fee See Details Below
Independent Adjuster / None $50.00 Class Fee
$50.00 Exam Fee
See Details Below
Public Adjuster / None $50.00 Class Fee
$50.00 Exam Fee
See Details Below
Staff Adjuster / None $50.00 Class Fee
$50.00 Exam Fee
See Details Below
Managing General Agent / None $100.00 Class Fee See Details Below
Reinsurance Intermediary Broker / None $100.00 Class Fee See Details Below
Reinsurance Intermediary Manager / None $100.00 Class Fee See Details Below
Rental Vehicle Managing Employee / None $40.00 Class Fee See Details Below
Surplus Lines Broker / None $100.00 Class Fee See Details Below

* Per application.

Reinstatements:

  • If applicant is applying within twelve (12) months of license termination, the exam fee is waived for inactive LOAs held. Regular license fees apply and there will be no additional reinstatement fee.
    • 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.
    • Reinstatement only 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.
    • Amendment 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 producer is reinstating and amending a license simultaneously the exam fee will be required if applicable for new LOAs requested.
    • 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.

Contacts

Last Update: 1/22/2019

KENTUCKY Resident Licensing for Business Entities

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State Announcements

There are no announcements for Kentucky at this time.

Primary Rules (Business Entity)

Response Question
Yes Accepts initial license for business entities electronically.
Yes Accepts major lines of authority.
Yes Accepts limited lines of authority.
Yes Accepts surplus lines for business entities.
Yes Applicant can add lines of authority (amend) to an existing active license.
Yes Applicant can reinstate/reapply through NIPR's Resident License Application (RL).
Yes License printing available electronically.

License Printing

To print your license, click the state on NIPR's Producer Licensing Map.

Business Rules (Business Entity)

Applicant must hold or apply for life to hold a variable line.

Applicant cannot actively hold independent adjuster license in conjunction with public adjuster, or staff adjuster license.

Applicant cannot hold public adjuster license in conjunction with staff or independent adjuster license.

Applicant cannot hold staff adjuster license in conjunction with public or independent adjuster license.

At least one Designated Responsible Licensed Producer (DRLP) must be submitted on Business Entity application.  

Each DRLP must have an active resident or non-resident license in KY.

The DRLPs provided must cumulatively cover the LOAs 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.

State Offerings (Business Entity)

License Class

Line of Authority (LOA)

DRLP Required

Agent

Life

Yes

Agent

Health

Yes

Agent

Property

Yes

Agent

Casualty

Yes

Agent

Variable Life / Variable Annuity

Yes

Agent

Personal Lines

Yes

Agent

Crop

Yes

Agent

Credit

Yes

Agent

Travel

Yes

Agent

Self-Storage Space

Yes

Independent Adjuster

Workers' Compensation

Yes

Independent Adjuster

Property & Casualty

Yes

Independent Adjuster

Crop

Yes

Public Adjuster

Property & Casualty

Yes

Life Settlement Broker

None

Yes

Life Settlement Provider

None

Yes

Managing General Agent

None

Yes

Reinsurance Intermediary Broker

None

Yes

Reinsurance Intermediary Manager

None

Yes

Rental Vehicle Agent

None

Yes

Surplus Line Broker

None

Yes

Administrator

None

Yes

Life Agent Registered as Life Settlement Broker

None

Yes

License Fees (Business Entity)

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

License Class / LOA Combination Fee * Reinstatement Fee *
Agent / All LOAs $100.00 Class Fee
$100.00 LOA Fee
See Details Below
Independent Adjuster / All LOAs $50.00 Class Fee See Details Below
Public Adjuster / All LOAs $50.00 Class Fee See Details Below
Life Settlement Broker / None $500.00 Class Fee See Details Below
Life Settlement Provider / None $1500.00 Class Fee See Details Below
Managing General Agent / All LOAs $100.00 Class Fee See Details Below
Reinsurance Intermediary Broker / None $100.00 Class Fee See Details Below
Reinsurance Intermediary Manager / None $100.00 Class Fee See Details Below
Rental Vehicle Agent / None $100.00 Class Fee See Details Below
Surplus Lines Broker / None $100.00 Class Fee See Details Below
Administrator / None $50.00 Class Fee See Details Below

* Per application.

Reinstatements:

  • 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.
    • Reinstatement example: Business Entity producer reinstating life and variable license would have a reinstatement fee of
      $100.00 (class fee) + $100.00 (life LOA) + $100.00 (variable LOA) = $300.00
  • Amendment:
    • 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.

Contacts

Last Update: 8/28/2019

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