50-State Insurance Licensing Compliance Guide
An overhead view of a woman signing forms

Kentucky Insurance License

An insurance agent inspecting the damages to a car

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.

Filter LicensesClear Filters
Company Licenses
(4)
(1)
(2)
(5)
(2)
(4)
(2)
(2)
(3)
Individual Licenses
(6)
(1)
(1)
(2)
(6)
(2)
(2)
(4)
(2)
(1)

Company Licenses

Kentucky Insurance Company Licenses

Kentucky Administrator License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$50

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$50

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$120

Registration Renewal

Filing Method:

Online

Agency Fee:

$0

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:

Online

Agency Fee:

$100 + $100 per LOA

Registration Renewal

Filing Method:

Online

Agency Fee:

$0

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 - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$50

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$50

Registration Renewal

Filing Method:

Online

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

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:

http://insurance.ky.gov/docs.aspx?Div_id=2

Agency Fee:

Varies by insurance type. Baseline of $50

Registration Renewal

This section applies to insurance firms that are already licensed in Kentucky and need to renew their license.

Agency:Kentucky Department of Insurance
Form:

http://insurance.ky.gov/docs.aspx?Div_id=2

Agency Fee:

Varies by insurance type. Baseline of $50

Due:

Biennially

Kentucky Life Agent Registered as Life Settlement Broker License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$750

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$750

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$750

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$1,500

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$1,500

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$50

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$50

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

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:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

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:

Utilization Review Registration Application

Agency Fee:

$1,000

Registration Renewal
Utilization Review Registration Renewal

Form:

Utilization Review Registration Application (Renewal)

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:
  • Mail
  • Fax: 502-564-2728
  • Email: DOI.HealthMail@ky.gov
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:

Utilization Review/Medical Bill Audit Application

Agency Fee:

$0

Original Ink:Not required
Notarization Required?:Not required

Registration Renewal

Form:

Utilization Review/Medical Bill Audit Application (Renewal)

Agency Fee:

$0

Due:

4 years from the date of submission.

Original Ink:Not required
Notarization Required?:Not required

Individual Licenses

Kentucky Individual Insurance Licenses

Kentucky Administrator License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$50

Registration Renewal

Filing Method:

Online

Agency Fee:

$100

Due:

Biennially by the end of the licensee's birth month.

Kentucky Agent License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$50 per LOA + $50 application fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$0

Due:

Biennially by the end of the licensee's birth month.

Kentucky Agent License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$40 + $40 per LOA + $50 exam fee per LOA

Registration Renewal

Filing Method:

Online

Agency Fee:

$0

Due:

Biennially by the end of the licensee's birth month.

Kentucky Consultant License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$150

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

Biennially by the end of the licensee's birth month.

Kentucky Independent Adjuster License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$50

Registration Renewal

Filing Method:

Online

Agency Fee:

$50

Due:

Biennially by the end of the licensee's birth month.

Kentucky Independent Adjuster License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$100

Due:

Biennially by the end of the licensee's birth month.

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:

Online

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

Kentucky Life Agent Registered as Life Settlement Broker License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$250

Kentucky Life Agent Registered as Life Settlement Broker License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$250

Registration Renewal

Filing Method:

Online

Agency Fee:

$500

Due:

Biennially by the end of the licensee's birth month.

Kentucky Life Settlement Broker License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$250

Registration Renewal

Filing Method:

Online

Agency Fee:

$1,000

Due:

Biennially by the end of the licensee's birth month.

Kentucky Life Settlement Broker License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$300

Registration Renewal

Filing Method:

Online

Agency Fee:

$500

Due:

Biennially by the end of the licensee's birth month.

Kentucky Life Settlement Provider License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$500

Registration Renewal

Filing Method:

Online

Agency Fee:

$500

Due:

Biennially by the end of the licensee's birth month.

Kentucky Life Settlement Provider License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$500

Registration Renewal

Filing Method:

Online

Agency Fee:

$1,000

Due:

Biennially by the end of the licensee's birth month.

Kentucky Managing General Agent License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

Biennially by the end of the licensee's birth month.

Kentucky Managing General Agent License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

Biennially by the end of the licensee's birth month.

Kentucky Public Adjuster License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$50

Registration Renewal

Filing Method:

Online

Agency Fee:

$50

Due:

Biennially by the end of the licensee's birth month.

Kentucky Public Adjuster License - Resident

Agency:Kentucky Department of Insurance
Exam Required?Yes

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$100

Due:

Biennially by the end of the licensee's birth month.

Kentucky Reinsurance Intermediary Broker License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

Biennially by the end of the licensee's birth month.

Kentucky Reinsurance Intermediary Broker License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

Biennially by the end of the licensee's birth month.

Kentucky Reinsurance Intermediary Manager License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

Biennially by the end of the licensee's birth month.

Kentucky Reinsurance Intermediary Manager License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

Biennially by the end of the licensee's birth month.

Kentucky Rental Vehicle Managing Employee License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$40

Registration Renewal

Filing Method:

Online

Agency Fee:

$80

Due:

Biennially by the end of the licensee's birth month.

Kentucky Rental Vehicle Managing Employee License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$40

Kentucky Staff Adjuster License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$50

Registration Renewal

Filing Method:

Online

Agency Fee:

$50

Due:

Biennially by the end of the licensee's birth month.

Kentucky Staff Adjuster License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$100

Due:

Biennially by the end of the licensee's birth month.

Kentucky Surplus Line Broker License - Non-Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

Biennially by the end of the licensee's birth month.

Kentucky Surplus Line Broker License - Resident

Agency:Kentucky Department of Insurance

Initial Registration

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$100

Due:

Biennially by the end of the licensee's birth month.

Learn about insurance licensing in other states: