Kentucky Life Insurance Exam Study Guide

Related Articles

How Do I Get My License

Life and Health Insurance License Exam Free Practice Questions Past Paper Part 1

Step 1: Complete a prelicensing course that has been approved by the Department of Insurance. Once you have completed your course, ExamFX will issue a certificate of completion which you may download and print from your online ExamFX account. You must sign and date your certificate.

Step 2: Apply for your license. Kentucky resident applicants must use the online application service at Additional licensing application guidance may be accessed on the NIPR website.

Step 3: Schedule your exam with your states testing provider, the Kentucky Department of Insurance. Registration must be completed through your eServices account after the Department processes your application. The examination fee is $50. This fee does not include NIPR fees. NOTE: Kentucky does not offer remote testing.

Step 4: Take and pass you state licensing exam. On the day of your appointment you must bring with you one valid form of government issued identification that must contain your name and photograph and your Certificate of Completion. You must also bring with you your certificate of completion. You will not be able to take your exam if these requirements are not met.

Don’t Forget Your Guarantee Exam

ExamFX is so confident in the quality of its material that we offer our customers a first-time pass guarantee. If you dont pass the first time around, we will refund your money. To qualify for this offer, you must pass our Guarantee Exam with a score of 80% to determine maximum exam readiness. While completing this portion of your online course is not required, we highly recommend taking this extra step.

Complete The Prelicensing Course

  • Accident & Health Only 20 hours
  • Life, Accident and Health 40 hours
  • Casualty Insurance 20 hours
  • Property and Casualty 40 hours
  • Personal lines 20 hours

Course requirements:

  • This is a forced progression state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
  • Assessments on key topics throughout the course and must be successfully passed with a minimum score of 70% before moving onto the next chapter.
  • Mandatory final exam

To eligible for a Certificate of completion, you must follow several steps:

  • Completion of the course including final exam.
  • Course completion rosters will be reported to the Kentucky Department of Insurance daily.
  • Certificates are valid for 12 months.
  • Certificates must be uploaded, faxed, or emailed to the KY DOI.
  • Upload to KY DOI
  • Fax # 502-564-6030

Recommended Reading: Texas Life Insurance Exam Prep

Kentucky Insurance Exam Prep

Pass your Kentucky Insurance exam the first time with CompuCram’s all-in-one exam prep product!

  • Add to Cart

    86.5% of CompuCram users pass their licensing exam the first time!Build your confidence and knowledge with CompuCram®, a guaranteed way to pass your Kentucky Property & Casualty insurance exam. Learn More

  • Add to Cart

    86.5% of CompuCram users pass their licensing exam the first time!Build your confidence and knowledge with CompuCram®, a guaranteed way to pass your Kentucky life & health insurance exam. Learn More

  • Schedule The Kentucky State Examination

    PDF Kentucky Life Insurance License Exam Review Questions &  Answers ...
    • Licensing exams are provided by the Kentucky Department of Insurance. After you have received notification that your application has been processed, schedule your examination online by setting up an eServices account at
    • Single Line exam fee $50
    • Education Roster not required to schedule the exam.

    Limitation on repeat examinations:

    • You can test an unlimited number of times within a 120-day timeline.

    Don’t Miss: Ca Real Estate License Exam

    What Is The Format Of The Insurance Exam

    The format of insurance exams is a timed, proctored, multiple-choice test, consisting of around 50-180 questions. The actual length of each exam will depend on the state you are testing in, and the license for which you are applying.

    So what exactly is a proctored exam?

    In the simplest terms, proctored means someone is present while the candidate is taking the assessment. Proctored tests can be administered on a computer or using paper and pencil. Depending on the type of test, the proctor may or may not have to be certified. Proctored assessments are the optimal administration format. You know for certain that the responses were given without input from other people or the use of supplemental tools . You can also control the environment and eliminate the risk of distraction.

    Most states use third-party testing companies, such as Pearson Vue or Prometric to administer their exams. This means that you will be taking the test in a standardized testing facility on a computer that is provided with a person watching over you.

    For some, this may cause some anxiety, which we will cover later in this article.

    The exam is a multiple-choice test, generally with four options available as answers. This means that if you arent sure about a question, you still have a chance of getting the answer correct.

    There will not be an essay section to your insurance license exam, as the laws that your test is based upon are not open to interpretation or opinion.

    Which Of The Following Statements Concerning Medicaid Is Correct

  • It is a nationwide program
  • It is a local program
  • It is both a nationwide and local program
  • It is a privately managed program
  • ANSWER: It is both a state and federal program

    Medicaid is a federal-state government program that is offered in every state. It offers free or low-cost health care to those who meet certain criteria.

    The funding is split between the federal and state governments. Each state determines the degree of benefits, as well as coverage and prices, although Medicaid programs must follow federal rules.

    Payments to medical providers might be provided directly to them, or the Medicaid program can be managed by a third-party administrator or insurance company, depending on the program.

    States could choose to offer coverage to more people in accordance with federal rules under the PPACA.

    Also Check: Cheapest Place For Contact Lens Exam

    Kentucky Department Of Insurance Contact Information

    Physical Address

    How long does it take to process a life insurance license application in Kentucky?

    This process typically takes three to five business days. Youll receive an email once the Kentucky Department of Insurance reviews your application.

    Can I get a temporary life insurance agent license in Kentucky?

    Yes. Kentucky provides a 180-day, temporary life insurance license. You must first submit an application for a regular agent license and examination through the NIPR. Then, you must complete a paper application for a temporary agent license in addition to your application for the regular agent license.

    You must then submit your completed application by email to or mail to:

    Kentucky Department of Insurance

    Can I get an emergency life insurance agent license in Kentucky?

    No. An emergency license isnt available for life insurance agents in Kentucky.

    Do I need to get my securities license on top of a life insurance license in Kentucky?

    Probably. While you can sell certain basic life insurance products with just a life insurance license, a securities license removes the limits on what you can sell and puts you in a much better career position. As a securities license holder, you can provide your clients with products tied to the securities market as part of their retirement and life insurance plans. But, youll need FINRA accreditation to obtain your securities license.

    Kentucky Life And Health Insurance Agent Exam

    Life and Health Insurance License Exam Cram

    Need of a License: Who Grants a License: Kentucky Department of InsuranceQualifications to receive a License

    • Be at least 18 years of age
    • Successfully complete a pre-licensing education program and an examination
    • Not have committed any act that is a ground for denial, suspension or revocation of a license
    • Submit the appropriate forms, application, and nonrefundable fees for the desired license.

    Prelicensing Education:Applying for the Producer Exam: Test Information:

    Also Check: How To Cheat Online Proctored Exam

    Kentucky Insurance Continuing Education

    We are approved by the Kentucky Department of Insurance as a continuing education provider . Complete your continuing education without missing a beat. All of our courses can be completed At Your Pace Online in order to help you renew your insurance license, and never include any hidden fees. Once you complete one of our online courses, we will report your course completion directly to the state for you.

    Complete A Kentucky Insurance Pre

    Before you take the Kentucky life insurance licensing exam, its important to make time to acquire the knowledge youll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools youll need to prepare for your exam.

    In Kentucky, you must complete a 20-hour, prelicensing classroom or self-study course for your requested life line of authority. Upon completion of the course, your course provider will report the completion electronically to the Kentucky Department of Insurance.

    A pre-license education course provides very specific industry knowledge that will be tested during the exam. There is very little information on the test that could be considered common sense. Pre-license education courses are self-paced and include study materials like practice exams and flashcards.

    Beyond helping you effectively prepare for and pass the life insurance licensing exam on your first try, taking a pre-license education course also will give you a solid understanding of your duties as a life insurance agent.

    Recommended Course

    Also Check: Massage Exam Practice Test Free

    Zhang One Of Your Clients Approaches You For Help With His Current Life Insurance Policy Which Includes A Dangerous Policy Exclusion Zhang Will Take Part In His Hometowns Famous Spring Flower Motorcycling Event Zhangs Lovely Wife Fei Is Quite Anxious And He Wants To Make Sure That His Existing Coverage Would Give Benefits Zhang Has Never Ridden A Motorcycle Before What Do You Think You Should Say To Zhang

  • Coverage could be available by other means
  • The exclusion to his policy is unenforceable
  • An exclusion in the policy will prevent coverage for the race
  • Zhangs policy will provide coverage since the race is a one-time event
  • None of the above
  • ANSWER: Coverage could be available by other means

    If a death is caused by an inherently dangerous activity, such as participating in a motorcycle race, an insurance company is allowed to limit or exclude the payment of a life insurance death benefit.

    A short-term Accidental Death and Dismemberment policy is an alternative for temporary participation in a dangerous activity.

    Auto racing, mountain climbing, hang gliding, and cliff diving are all perilous activities. Other policy exclusions include:

    1) suicide, though this may be limited to the first one or two years

    2) an act of war exclusion, such as if the death occurs while serving in the military or during the war and

    3) a drug or alcohol abuse exclusion, as well as an exclusion for engaging in illegal activities.

    A : : : : : : : : : : : : : : : : : : : : : Is An Add

    Life Insurance Exam Prep


    An insurance firm issues a certificate of insurance to prove that insurance coverage is in place.

    The coverage provisions are also included in the paper, which includes the kind of insurance, coverage terms, the effective date of coverage, and any limitations or exclusions.

    The COI could be used to demonstrate that a specific medical practice is covered.

    An insurer may request an independent medical examination to verify claims made by an insureds personal doctor.

    Before the IME, the IME doctor had not treated the insured.

    Its a second thought.

    The qualities of a health maintenance organization and a preferred provider organization are combined in a point of service plan .

    In a Point-of-Service plan, members who receive health services from plan providers are typically reimbursed 90-100 percent of the cost, compared to roughly 70% for non-plan providers.

    The insured is responsible for the difference between the cost and the reimbursement amount.

    A POS is a sort of managed care that provides lower medical costs in exchange for a limited provider selection.

    You May Like: Ohio General Contractor License Exam

    Get Your Finra Securities Licenses


    Individuals planning to market and sell market-based life insurance products also must obtain the proper securities licenses. As a securities license holder, you can offer securities as part of your services. Thatll make you a credible authority in addressing all of your clients financial needs.

    To learn more, check out our Securities Licensing guide.

    SIE Exam

    To obtain these licenses, youll first need to take and pass the Securities Industry Essentials exam. Professionals in the securities industry are required to take the SIE and a series of examinations administered by the Financial Industry Regulatory Authority .

    The SIE exam ensures every life insurance professional has a basic understanding of securities. While taking the SIE exam isnt a requirement for all insurance professionals, those who dont obtain at least one securities license limit their ability to work with clients. With a securities license, you can give your clients the option to invest in securities-related products as part of their life insurance plans.


    Once you get your securities license, FINRA will list you as a registered representative. By achieving the securities licensee designation, youll become a highly sought-after professional and set yourself up for a successful career in the insurance industry.

    Series 6, 7, and 63 Licenses

    Essentialplus Live & Ondemand Package

    The EssentialPlus Live & OnDemand Package provides a Live & OnDemand learning environment that is seamlessly compatible with your busy schedule. By combining versatile online courses with a live online review webinar, this package gives you the convenience and mobility youll need to study for the state exam with maximum flexibility. Get started by preparing for your exam with the online course and practice with the InsurancePro QBank. Then, attend the live online interactive webinar to reinforce key concepts with our expert instructors in an online classroom environment. To top off your studying, watch recordings of the live online review class on-demand to finalize your insurance expertise.

    Read Also: Food Protection Final Exam Answers

    How To Pass The Insurance Exam

    : Ethan Peyton

    If youre getting ready to take a state insurance exam or any exam for that matter, its good to know what youre getting yourself into.

    Here at StateRequirement, we want you to be able to walk into the testing center with confidence that you will leave being one step closer to getting your insurance license.

    In this article, you will learn everything that you will need to know to face your exams without fear . Weve scoured through tons of resources to find the information you need on how to pass an insurance exam .

    So sit back and keep your reading glasses handy. Were sure to get in the weeds with this guide. Go ahead and bookmark this page so you can easily find it the next time you need it.

    Before beginning, know that the best tool to use when studying for an insurance exam is a pre-license education course from a reputable insurance education company.


    For pre-license education products and courses, StateRequirement recommends:Kaplan Education Company

    Kentucky Insurance License School

    How To Prepare For & Pass The Insurance License Exam

    Looking for insurance school in Kentucky? STC is the nations premier online insurance license school. Whether you’re just getting started or a seasoned pro, STC has you covered with high-quality Kentucky insurance license courses, industry expertise and convenience.

    • You want an efficient self-study product

    What’s Included

    • More training resources to help grasp some of the tougher topics
    • Includes On-Demand Lectures and Flashcards

    What’s Included

    • Includes all our expertly crafted study tools
    • Plus, a virtual class recording

    What’s Included

    You May Like: Ap Government And Politics Exam

    How To Pass The Life Insurance Exam

    First, its important to understand what youll get out of this test: If you pass, youll get your resident license to sell life and/or health insurance, which means you can practice within your state of residence. However, once you gain this resident license within your home state, you have the ability to pay for a non-resident license in any other state via the National Insurance Producer Registrywithout taking the licensure exam again! The fee varies by state for a non-resident license, and usually needs to be renewed every two years you can learn more about rules and fees here.

    Before taking the test, find out the rules, regulations, and fee expectations for your state. Some states allow you to take the life insurance exam on its own, which usually takes 20 hours of studying and/or pre-licensing education . However, some states or agencies require you combine your life insurance exam with another license class to maximize the areas in which you can negotiate policies. Some of these license classes may include:

    • Accident and Health Agent
    • Travel Insurance Agent

    There are single exams available that combine multiple categories above. Theyre longer and take longer to study for. Generally, if you see the word and in the exam category, plan on dedicating double the studying time to gaining that combo license40 hours or more.

    Property And Casualty Insurance Exam

    The property and casualty exam is broken up into two parts, General Knowledge and State Specific.

    The general knowledge portion will test your understanding of different policy types and the guidelines that surround them. Things like:

    • Types of Policies
    • Commissions and Compensation

    The state-specific portion is generally more dry information . Things like dates, names of laws, and dollar amounts will be a part of this portion.

    Don’t Miss: Firefighter Civil Service Exam 2022

    The Essentialplus Live & Ondemand Package Includes:

    Available OnlineDesigned to fit your busy schedule by combining a self-study online course and online study tools that let you prepare for your state exam anytime, anywhere. Your online course will serve as the foundation of your insurance licensing exam preparation.

    Reinforce your knowledge, and give yourself the best chance to pass with this live online review class led by an industry expert instructor. An archived version of this class is recorded and made viewable OnDemand so that you can prepare for your state exam with the guidance of an expert anytime, anywhere.

    Available Online

    Before you open the course, gauge your existing knowledge and understanding of insurance to identify your conceptual strengths and areas that will require extra focus. Using the Pre-Study Assessment to gauge your overall readiness before you dive into the course helps you maximize the time on your study calendar so you can start producing sooner. By comparing the Pre-Study Assessment scores against the results of your Mastery Exam, you can see your overall progress by topic as a result of your studies.

    Available Online and Downloadable

    Practice your test-taking skills, drill into specific topics, and test your knowledge with exam-focused questions. This interactive QBank is updated on a regular basis and allows you to build personalized exams based on length and topic of your choice. It features unlimited exam attempts that are randomly generated. The QBank also gives you the ability to:

    Popular Articles