Get your life insurance license in Kentucky
Step 1: Enroll in our recommended course
JustInsurance reports a 93% first-attempt pass rate among students who finish the course. Life is required; we encourage Life & Health.
Kentucky requires 20 hours of pre-licensing for Life (40 for Life & Health).
Enroll with JustInsurance, $149- Step 2: Order your Kentucky court background report (AOC FastCheck). It's good for 60 days.
- Step 3: Apply through NIPR. Your exam fee is paid with the application.
- Step 4: When your record shows "pending examination," schedule your exam in Kentucky DOI eServices. Kentucky runs its own exam.
What to bring to the exam
A current government-issued photo ID with your signature.
What it costs in Kentucky
| Course (our link) | $149 |
|---|---|
| License application | $80 |
| Exam (Kentucky Department of Insurance) | $50 |
| Court background report (AOC) | $25 |
| About $304 with the course | |
Official links
- Kentucky Department of Insurance
- Book your exam (Kentucky Department of Insurance)
- Apply for your license
Fees and rules change. Check the official links before you pay. Last checked October 2026.