Skip to main content

Kentucky · Insurance Agents · 2026 renewal guide

How to Renew Your Kentucky Insurance Agent License

Kentucky insurance agents must complete 24 hours of board-approved continuing education every 2 years, as required by Kentucky Department of Insurance.

Written by the TradesCE compliance team · Verified against the Kentucky Department of Insurance rule on September 10, 2026.

CE hours
24 hours
Renewal cycle
Every 2 years
Next deadline
Per license
Exam to renew
Required

Who has to renew

This guide covers Kentucky insurance agents holding a license in one of these classes: Variable Life and Variable Annuity Agent, Personal Lines Agent, Independent adjuster / Public adjuster, Standard Biennial CE — Insurance Producer (All Major Lines), Long-Term Care Partnership (LTCP) — Ongoing Biennial Training (Endorsement Holders). Requirements are set by Kentucky Department of Insurance. Hours differ by class — 24 hours for Variable Life and Variable Annuity Agent, Personal Lines Agent, Independent adjuster / Public adjuster, Standard Biennial CE — Insurance Producer (All Major Lines); 4 hours for Long-Term Care Partnership (LTCP) — Ongoing Biennial Training (Endorsement Holders).

When to renew

Kentucky insurance agents licenses renew every 2 years, on the schedule your board assigns to your license. Continuing education must be complete before you submit the renewal. (KRS 304.9-260; KRS 304.9-295 — individual resident licensees renew by the last day of their birth month in the next even- or odd-numbered year matching their birth year, every two years)

The continuing education Kentucky requires

Kentucky Department of Insurance requires 24 hours of approved continuing education every 2 years. The hours must cover these topics:

  • Ethics — at least 3 hours
  • Line-of-Authority (LOA) Specific — at least 6 hours
  • Elective / General — at least 15 hours
  • Long-Term Care Insurance — Ongoing — at least 4 hours

How to renew, step by step

  1. 1

    Confirm your license class and renewal date

    Kentucky sets insurance agents requirements by license class (Variable Life and Variable Annuity Agent, Personal Lines Agent, Independent adjuster / Public adjuster, Standard Biennial CE — Insurance Producer (All Major Lines), Long-Term Care Partnership (LTCP) — Ongoing Biennial Training (Endorsement Holders)). Check the class printed on your license, then note your renewal date — renewals run the schedule your board assigns to your license.

  2. 2

    Complete 24 hours of board-approved continuing education

    Kentucky Department of Insurance requires 24 hours every 2 years, including Ethics, Line-of-Authority (LOA) Specific, Elective / General, Long-Term Care Insurance — Ongoing. Do not leave it for the last week — completions must be on file before the deadline.

    See the Kentucky insurance agents course
  3. 3

    Save your certificate of completion

    Download the certificate the moment you finish and keep it with your license records; Kentucky audits can reach back several years.

  4. 4

    Make sure your hours reach the board

    In Kentucky, completions are submitted through the board’s online licensing portal, within 30 days of completion. You can confirm your hours are on file in the reporting system linked below.

    Check your hours on file
  5. 5

    Renew with Kentucky Department of Insurance

    Submit your renewal through the board’s online portal and pay the renewal fee before the deadline. This renewal also requires passing an exam. A late renewal usually means a late fee, and a lapsed license can mean re-applying from scratch.

    Go to Kentucky Department of Insurance

Kentucky insurance agent renewal FAQ

How many continuing education hours do Kentucky insurance agents need?
Kentucky insurance agents must complete 24 hours of board-approved continuing education every 2 years, as set by Kentucky Department of Insurance.
Which license types have different CE requirements in Kentucky?
Requirements differ by license class in Kentucky: 24 hours for Variable Life and Variable Annuity Agent, Personal Lines Agent, Independent adjuster / Public adjuster, Standard Biennial CE — Insurance Producer (All Major Lines); 4 hours for Long-Term Care Partnership (LTCP) — Ongoing Biennial Training (Endorsement Holders).
What topics are required for Kentucky insurance agents continuing education?
Kentucky Department of Insurance requires coverage of: Ethics (3 hours); Line-of-Authority (LOA) Specific (6 hours); Elective / General (15 hours); Long-Term Care Insurance — Ongoing (4 hours).
Is an exam required to renew a Kentucky insurance agents license?
Yes — Kentucky Department of Insurance requires an examination as part of renewal in addition to continuing education.
How are completed CE hours reported to Kentucky Department of Insurance?
Completed hours are reported through the board's online portal within 30 days of completion. You also receive a certificate of completion for your records.
Can Kentucky insurance agents complete continuing education online?
Yes. Board-approved online courses count toward the Kentucky requirement; timed seat-time and completion records satisfy audit requirements.

Sources