Kentucky Insurance Continuing Education Requirements
A Complete Guide for 2025
Insurance professionals in Kentucky must complete continuing education (CE) every two years to maintain an active license. NobleCE makes it easy with mobile-friendly courses, bundle pricing options, and instant reporting to the state-so you can complete your CE fast and stay compliant.
What Is Insurance Continuing Education?
Continuing education consists of state-approved courses that keep insurance licensees up to date on ethics, product knowledge, Kentucky law, and regulatory changes. CE ensures professionals remain qualified to serve policyholders and meet Department of Insurance expectations.
Who Needs to Complete CE in Kentucky?
All resident insurance producers and adjusters are required to complete CE. Non-resident producers are exempt if they comply with CE in their home state. Some limited lines and inactive licensees may have different or no CE requirements.
Kentucky Insurance CE Requirements Overview
- 24 total CE hours every two years
- Must include 3 hours of ethics
- Must include 3 hours of Kentucky law
- Exams are open-book and do not require a proctor
- Passing score of 70 percent required on course exams
- Unlimited exam retakes allowed
- Courses may not be repeated for credit in the same cycle
- Up to 12 hours of excess general CE may carry over into the next renewal cycle
Special Requirements for Certain Licensees
Kentucky requires specific training before you can sell certain products:
- Annuities: One-time 4-hour annuity suitability training required
- Long-Term Care (LTC): Initial 8-hour LTC course required, plus a 4-hour refresher every cycle
- Flood Insurance: One-time 3-hour National Flood Insurance Program course required
These specialty CE courses count toward your 24-hour total if completed during the current cycle.
When Is the CE Deadline in Kentucky?
The CE deadline is every two years on the last day of your birth month. Your renewal year is determined by your birth year (even or odd), matching the even or odd year renewal cycle. CE must be completed before you can renew.
How to Find Approved CE Courses in Kentucky
Only Kentucky Department of Insurance–approved courses count toward CE. NobleCE offers fully approved online courses, including a 24-hour bundle with ethics, law, and specialty training. All courses are mobile-friendly and include instant completion reporting.
Step-by-Step: How to Complete Your Kentucky Insurance CE
- Check your renewal deadline based on your birth month and year
- Select NobleCE’s Kentucky-approved bundle or individual courses
- Complete the self-paced coursework online
- Take the open-book exam and score at least 70 percent
- Retake the exam if needed-there’s no limit
- Download your certificate for your records
- NobleCE reports your hours to the Kentucky Department of Insurance
What Happens If You Miss the CE Deadline?
If you miss your CE deadline, your license status becomes inactive. To reinstate it, you must complete any outstanding CE, pay renewal or reinstatement fees, and file for reactivation. You cannot conduct insurance business until your license is reactivated.
CE Exemptions and Extensions
Exemptions may apply to non-residents who meet home state CE requirements and some limited-line licensees. Extensions for military deployment, medical emergencies, or other hardships may be granted if requested before your CE deadline.
How to Check Your CE Transcript
You can verify your CE record using the Kentucky Department of Insurance portal or Sircon. Be sure all credits-including ethics, law, and specialty training-are correctly reported. Keep a copy of your certificates in case of audit.
Best Practices for Kentucky Insurance CE Success
Start your CE early and complete it well ahead of your birth month deadline. Use NobleCE’s full 24-hour bundle to satisfy every requirement in one go. With mobile access, open-book exams, and no proctoring, you can study at your pace and complete your CE anytime, anywhere.
Stay Ahead with Kentucky CE Compliance
Completing your CE on time protects your license and keeps your knowledge sharp. NobleCE makes it easy with open-book exams, mobile access, instant reporting, and bundled pricing-so you can complete your CE fast and with confidence.
Frequently Asked Questions (FAQ)
How many hours of CE are required in Kentucky
24 hours every two years, including 3 ethics and 3 Kentucky law hours.
Are exams required
Yes. Exams are open-book and require a 70 percent passing score. No proctor is needed and you can retake the exam as many times as necessary.
Can I carry over unused hours
Yes. Up to 12 hours of general credit can carry into the next cycle.
Do annuity, LTC, and flood courses count toward the 24-hour total
Yes, as long as they are completed during the current renewal period.
Ready to Get Started?
Explore NobleCE’s Kentucky courses and complete your CE fast with mobile-friendly learning, bundle pricing options, and instant reporting.
Disclaimer: The information provided by Noble regarding Continuing Education (CE) is intended as a courtesy and aims to be accurate and up to date. However, Noble and its employees do not guarantee the accuracy or current validity of the information. CE regulations are subject to change, so always verify details independently.
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