What is the Kentucky Insurance Exam Like?

The Kentucky insurance licensing exam will test your knowledge and understanding of broad insurance concepts. The exam is also designed to challenge your reading comprehension, product knowledge, and test-taking skills. The following are key points about the exam format:

Multiple Choice Questions.  All examination questions are multiple-choice with 4 possible answers. The typical question is short – usually just one sentence followed by 4 answer choices. Three different multiple-choice formats are used. These include “direct question,” “incomplete question,” and “all of the following are correct except.”

Very Few Math Problems.  There are very few math questions and the math problems on the exam are very straightforward. Basic addition, subtraction, multiplication, and division skills are all the math skills required. (Please review our Math Problems Super Sheet found in your online exam prep materials to master the math problems.) No reference materials, papers, or study materials are allowed while taking the exam. A calculator or slide rule is allowed and must be battery powered, solar powered, quiet and paperless. Calculators will be provided at the test center. 180 Licensing will provide you with sample math problems so there will be no surprises at exam time.

Read Key Words Carefully.  Test questions are not designed to mislead. However, just like any other exam questions, misreading the questions will impact your score. Words such as ALL, NONE, EXCEPT are often used and, if misread, can dramatically impact your score.

Question Types.  About 80 percent of exam questions cover conceptual knowledge, while the remaining 20 percent cover specific facts, such as number of days, dollar amounts, etc.

Kentucky Insurance Exam Details

You will take your exam on a computer, with your test results provided immediately afterwards. Your score will be shown on the screen and you will also receive a printed score report.

Minimum Passing Score.  Kentucky requires that you receive a 70 or higher score to pass the exam. Your overall score and grade is shown on the score report including the numerical percentage of questions answered correctly and if you passed or failed. Section percentages will not average to total percentage score because of the way questions are allocated to different sections.

Passing the Exam Does Not Equal a License.  Passing the exam does not automatically mean that you receive an insurance license.  You must work with your employer in order to apply for and receive your insurance license from the Kentucky Department of Insurance. (For more information about obtaining your license, see our article Steps to Getting Your Kentucky Insurance License.)

Where is the Kentucky Insurance Exam Given?

When you register with the Kentucky Department of Insurance you will be asked to specify a test center location. Several ways to find a location include:

Online Test Locator To find a test center that is most convenient for you by using the online Test Center locator, go here.

Reference to The Licensing Information Bulletin You can also find the list of test locations by viewing the Kentucky Department of Insurance’s Insurance Licensing Information Bulletin, here.

Test Locations in Kentucky.  Although they may be changed from time to time, the usual testing locations are:

Frankfort, Bowling Green, Covington, Lexington, Louisville, Madisonville, Maysville, Middlesboro, Owensboro, Paducah, Prestonsburg, and Somerset

Keep in mind that locations change from time to time and that it may be possible to take the Kentucky insurance exams in other parts of the country. The Kentucky Licensing Information Bulletin lists those alternative locations, here.

How Do I Register For the Kentucky Insurance Exam?

If you have any disabilities that require special attention, be sure to contact the Kentucky Department of Insurance well ahead of time to make special arrangements. When signing up for your specific exam date, keep in mind that examination time slots may fill up quickly.

  • Schedule Your Exam.  To schedule a test with the Kentucky Department of Insurance, register online or by phone. However, be sure to register well ahead of time to ensure that the location and date you prefer are available.
  • Exam Registration Phone Number:  502-564-6004
  • Exam Registration Website:  Go to this link to first create an account with eServices, then schedule your exam online.
  • Change a Scheduled Exam Date.  Reschedule as soon as possible in order to avoid forfeiting your registration fee. Visit the online registration page to view/edit your appointment online at eServices.

When Should I Schedule My Kentucky Insurance Exam?

We recommend that you plan to contact the Kentucky Department of Insurance at least three weeks prior to completing our course. That will allow you to predict when you will complete the course and also give you the opportunity to pick an exam date that falls soon after finishing the course. If you take the exam too long after completing the course, it becomes more difficult to remember the details.

Is the Kentucky Insurance Exam Available in Any Other Language?

In Kentucky, the exam is available in English only. Please contact the Kentucky Department of Insurance for authorization to have more time for the test. You should not schedule your examination until you receive your approval.

Which Kentucky Insurance Exam Will I Take?

The most common types of licenses and related exam names or numbers for Kentucky are listed below, along with the number of questions and the time allotted for each exam. Students report to us that they normally complete their exams with time left over. But, be sure to watch the clock on your test computer to keep track of the remaining time on each exam. And, if you have any doubt as to which exam you need, your employer is the best person to ask.

Exam Name Questions Duration
Life 150 190 Minutes
Health 150 190 Minutes
Property 150 190 Minutes
Casualty 150 190 Minutes
Personal Lines 150 190 Minutes

**This is not a complete list of exam or license types. For more information, go here.

What if I Fail the Test? Can I Retake It?

Yes. Each state has a different rule on this and the rules change from time to time. The best source to find the answer is from the testing service’s handbook (see below).

Where can I Find Additional FAQ’s about Kentucky’s Licensing Exam?

Find the current answers to many of your questions from the Kentucky’s Insurance Licensing Information Bulletin here.


Disclaimer:  180 Licensing Exam Prep, Inc. makes every effort to ensure the accuracy of this article, information is subject to change. The final authority for the latest insurance licensing information is your state’s department of insurance.

Must Read:  Our National online, self-paced, exam prep courses offered in Kentucky do not meet your state’s prelicensing education requirement. They contain national insurance and general state law rules, but do not contain your exam’s specific state law content (about 15-20% of your exam). If you have taken an approved prelicensing education course, have a valid certificate, and still need a passing score, use our materials and supplement with the state law material from your prelicensing provider. Designed by award winning Professor Jerry Furniss, our interactive exam prep materials are excellent for getting you over the finish line the fastest and easiest way possible. Go here for more information.