Kentucky Insurance License
Licensing requirements for Kentucky insurance professionals and companies.
This page provides an overview of insurance licensing in Kentucky for individuals and companies. You will find state requirements, application fees, filing instructions, and more. For assistance with licensing, please contact us to learn about our software and managed license services.
Companies that provide insurance producer services in Kentucky must apply for a license prior to doing business. Depending on the lines of authority offered by the entity and the types of services offered, multiple firm licenses may be required.
Before applying, firms should ensure that the licensed individual to be appointed agent in charge has the necessary licenses. Firms should also gather proof of incorporation, or foreign qualification for out-of-state firms, in anticipation of application requirements.
Company Licenses
Kentucky Financial Services Company Licenses
Kentucky Administrator License - Non-Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $50 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $50 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Administrator License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $50 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $100 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Agent License - Non-Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $120 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $50 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Agent License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $0 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $100 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Collection Agency License
Not required
Debt Collection Agency licensure is not required on the State level in Kentucky.
Kentucky does not currently issue licenses for collection agencies.
Kentucky Independent Adjuster License - Non-Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $50 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $50 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Independent Adjuster License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $50 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $100 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Independent Review Entity Certification
| Type of Review: | Medical Utilization Review |
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Form: | Application for Certification of an Independent Review Entity |
| Agency Fee: | $500 |
Registration Renewal
| Form: | Application for Certification of an Independent Review Entity (Renewal) |
| Agency Fee: | $500 |
| Due: | Biennially |
Kentucky Insurance Agency License
| Agency: | Kentucky Department of Insurance |
Initial Registration
This section applies to insurance firms that are applying for a license in Kentucky for the first time.
| Agency: | Kentucky Department of Insurance |
| Form: | |
| Agency Fee: | Varies by insurance type. Baseline of $50 |
Kentucky Life Agent Registered as Life Settlement Broker License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $750 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $500 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Life Settlement Broker License - Non-Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $750 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $1,500 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Life Settlement Broker License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $750 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $1,500 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Life Settlement Provider License - Non-Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $1,500 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $750 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Life Settlement Provider License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $1,500 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $3,000 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Managing General Agent License - Non-Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $100 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $100 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Managing General Agent License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $100 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $200 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Public Adjuster License - Non-Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $50 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $50 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Public Adjuster License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $50 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $100 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Reinsurance Intermediary Broker License - Non-Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $100 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $100 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Reinsurance Intermediary Broker License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $100 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $200 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Reinsurance Intermediary Manager License - Non-Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $100 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $100 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Reinsurance Intermediary Manager License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $100 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $100 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Surplus Line Broker License - Non-Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $100 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $100 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Surplus Line Broker License - Resident
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Filing Method: | |
| Agency Fee: | $100 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $100 |
| Due: | Biennially by March 31. Licenses issued in odd-numbered years renew during odd-numbered years and licenses issued during even-numbered years renew during even-numbered years. |
Kentucky Utilization Review Registration
| Type of Review: | Medical Utilization Review |
| Agency: | Kentucky Department of Insurance |
Initial Registration
| Form: | |
| Agency Fee: | $1,000 |
Registration Renewal
Utilization Review Registration Renewal
| Form: | |
| Agency Fee: | $1,000 |
| Due: | Biennially 90 days prior to the date of initial registration. |
Supplemental Reporting
Annual Utilization Review Report
| Form: | HIPMC-UR2 (07/2008) Annual Utilization Review (UR) Report Forms |
| Filing Method: |
|
| Agency Fee: | $0 |
| Due: | Annually by March 31. |
Kentucky Utilization Review/Medical Bill Audit Certification
| Type of Review: | Workers' Compensation Utilization Review |
| Agency: | Kentucky Labor Cabinet - Department of Workers' Claims |
Initial Registration
| Form: | |
| Agency Fee: | $0 |
| Original Ink: | Not required |
| Notarize: | Not required |
Registration Renewal
| Form: | |
| Agency Fee: | $0 |
| Due: | 4 years from the date of submission. |
| Original Ink: | Not required |
| Notarize: | Not required |
Individual Licenses
Kentucky Individual Financial Services Licenses
Kentucky Insurance Agent License
| Agency: | Kentucky Department of Insurance |
Initial Registration
This section applies to insurance agents that are applying for a license in Kentucky for the first time.
| Agency Fee: | From $25 to $500 depending on license type |
Registration Renewal
| Filing Method: | |
| Agency Fee: | Varies based on license type; an agent with one or more active appointments will have a renewal fee of $0. |
| Due: | Biennially by the last day of initial registration month |
Learn about insurance licensing in other states:
Adjuster - A person or firm that is paid to adjust, investigate, and negotiate claim settlements. There are 3 categories of adjusters: company, independent, and public. Company adjusters work for insurance companies and investigate claims on behalf of the company. Independent adjusters investigate claims on a contractual basis for insurance companies. Public adjusters investigate claims on behalf of claimants, usually to determine the amount of money that can be claimed.
Agent in Charge - A licensed individual responsible for the supervision of all individuals within an insurance agency. The agent in charge must be licensed in the same lines as the agency.
Insurance Agent - Insurance agents act as intermediaries between the insurance company and policyholders. Agents can be either captive or independent. Captive agents represent a single insurance company, while independent agents represent multiple insurers.
Insurance Broker - Individuals who sell insurance policies while representing the interests of the buyer. Brokers are typically independent intermediaries without an insurance company affiliation.
Insurance Producer - May be used to refer to either individual insurance agents and brokers or insurance agencies and brokerages.
Managing General Agent - An agent or broker that is involved in underwriting and has other areas of authority normally handled by insurers. MGAs are typically involved in unusual lines of coverage or in geographically prohibitive areas.
Surplus Lines Insurer - An insurance carrier that takes on risks that a licensed carrier is unwilling to insure. Surplus lines insurers do not have access to state guaranty funds and are less tightly regulated by state governing bodies.
Third Party Administrator - An organization that manages group insurance policies and works with the employer and insurance carrier to process claims, handle loss control, and provide risk management and consulting services.
Title Agent - Title agents sell insurance that protects real estate owners against loss of ownership of a property due to a legal claim.
Viatical Settlement Provider - A company that purchases life insurance policies at a discount from individuals seeking immediately available funds.
Independent Insurance Agents and Brokers of America (Big “I”)
Advocacy group of independent insurance brokers and agents.
National Association of Insurance and Financial Advisors (NAIFA)
Professional association that advocates for favorable regulatory conditions for insurance agents and financial advisors.
National Association of Insurance Companies (NAIC)
A standard setting and regulatory support organization that is governed by state insurance regulators.
National Association of Professional Insurance Agents (PIA)
Professional association that provides education and advocacy for insurance agents throughout the United States.
National Insurance Producer Registry (NIPR)
An affiliate of the NAIC that provides streamlined and uniform producer licensing processes.
