Kentucky CE requirements
How many CE hours do Kentucky insurance agents need?
Kentucky requires 24 approved CE hours every two years, including 3 ethics hours, for nonexempt resident agents and independent or public adjusters.
Which Kentucky CE requirement applies to me?
Kentucky CE requirements by license
| Kentucky license type | Total CE | Required category or format |
|---|---|---|
| Resident agent subject to CE | 24 hours / 2 years | 3 ethics hours |
| Resident independent or public adjuster | 24 hours / 2 years | 3 ethics hours |
| Nonresident adjuster with Kentucky designated home state | 24 hours / 2 years | 3 ethics hours |
| Life settlement broker | 24 hours / 2 years | 3 ethics plus 3 life-settlement hours |
Kentucky amended its CE statute effective July 15, 2026. Limited-line exemptions depend on the Commissioner’s exemption for that authority; confirm the current assigned requirement rather than assuming every limited line is exempt.
Who qualifies for a Kentucky CE exemption?
Exemptions include qualifying reciprocal nonresidents, licensees with less than one full year before the first biennial deadline, and licensees restricted to renewal or deferred commissions under a supporting affidavit. Limited-line exemptions are determined by the Commissioner. Military relief and good-cause extensions require an approved request.
Sources: Kentucky current CE statute: KRS 304.9-295 Kentucky DOI continuing education requirements
Deadline and renewal cycle
When is Kentucky insurance CE due?
Complete CE by the last day of your birth month in the applicable biennial year. Even-numbered birth years use even-numbered compliance years; odd-numbered birth years use odd-numbered compliance years.
A first deadline occurring before one full year of licensure moves to the next applicable biennium.
The statutory proof-of-compliance reporting period does not extend the deadline for completing the required courses.
NIPR renewal opens 90 days before expiration. CE completion, reporting, and the renewal application remain distinct steps.
Sources: Kentucky current CE statute: KRS 304.9-295 NIPR Kentucky resident renewal requirements
Official record
How do I check my Kentucky CE transcript or status?
Sign in to Kentucky DOI eServices to review the license record and applied CE. Use the Department’s course search to verify course approval before enrolling.
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1
Correct license and period
Confirm the active license record, CE period, and compliance or review date.
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2
Total posted credit
Compare the posted hours with your requirement after any valid exemption, reduction, or carryover.
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3
Required categories
Check ethics, law update, flood, delivery method, or product-specific categories separately.
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4
Completion history
Look for missing courses, duplicate or zero credit, incorrect dates, and misclassified completions.
What should I do if completed credit is missing?
Reporting timing. Kentucky providers must report successful completions within 30 days. The licensee is responsible for verifying that the certificate was submitted and applied to the license record.
1. Match the course number, completion date, license number or NPN, and credit category to the completion certificate.
2. Ask the course provider to confirm submission and correct a missing or rejected completion record.
3. Recheck the official transcript. Contact the licensing authority if an accepted completion remains missing or incorrect.
Credits and eligibility
What courses count toward Kentucky insurance CE?
Kentucky CE credit is awarded only for a state-approved course completed through a state-approved provider. The course must match the required credit category and applicable license period.
- Can I repeat a course for additional credit?
- No. Kentucky grants CE credit for the same course only once during a biennial compliance period.
- Can extra CE hours carry over?
- Yes. Kentucky permits up to 12 excess credit hours to carry into the next biennium. Carryover is general credit; complete the required ethics hours for the new period.
- Do courses need Kentucky approval?
- Yes. Only courses approved by the Commissioner qualify for Kentucky CE credit. Verify the approved course number, hours, and any required subject designation.
- Does self-study require an examination?
- Yes. Kentucky requires successful examination completion for a self-study CE course. A course purchase or unfinished examination does not earn credit.
- Can exam preparation or computer-skills training count?
- No. Licensing-exam preparation, functional computer training, motivational courses, and professional-committee service do not qualify for Kentucky CE credit.
Sources: Kentucky DOI continuing education requirements Kentucky course, reporting, and product training: 806 KAR 9:025 Kentucky current CE statute: KRS 304.9-295
Course format
Can Kentucky insurance CE be completed online?
Kentucky accepts approved classroom, correspondence, and online self-study courses. All required hours may be completed through approved self-study courses.
Online self-study
Complete the approved course and pass its required examination. Check the provider’s approved examination procedures.
Classroom or live online
Meet the course’s participation requirements; one credit hour requires at least 50 minutes of instruction.
Approved course search
Search the DOI list for current approval, credit hours, and ethics or product-training categories.
Self-study approval does not remove the examination requirement. Do not assume that every course with similar wording has the same approved credit category.
Sources: Kentucky DOI continuing education requirements Kentucky course, reporting, and product training: 806 KAR 9:025 Kentucky DOI approved CE course search
Product-specific training
What specialty training do Kentucky insurance agents need?
Complete required product training before selling the applicable product. Initial training and recurring training are separate requirements; state CE credit requires the course’s corresponding approval.
| Training | Who needs it? | Hours and frequency |
|---|---|---|
| Annuity best interest | Life agents selling annuities | 4 initial hours Complete current approved training before annuity business. Qualifying substantially similar out-of-state training may be accepted. |
| LTC Partnership | Resident agents selling Partnership policies | 8 initial hours; 4 hours each biennial CE period The recurring Partnership requirement is separate from the initial course. |
| NFIP flood | Property and casualty agents selling NFIP policies | 3 initial hours Complete training meeting the federal flood-insurance education standard. |
Confirm the course approval, product-training designation, and insurer acceptance before enrolling. Retain completion certificates. General CE compliance alone does not establish product-training compliance.
Sources: Kentucky course, reporting, and product training: 806 KAR 9:025 FEMA flood insurance agent training
Step-by-step
Kentucky CE compliance checklist
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1
Review the DOI record
Identify the compliance deadline, required subjects, accepted carryover, and outstanding hours.
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2
Complete eligible courses
Meet the total, ethics, and applicable specialty-training requirements.
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3
Verify applied completions
Check that reported courses appear in the correct biennium and category.
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4
File the renewal
Submit the renewal through an authorized electronic service and verify active license status.
Common compliance mistakes to avoid
- Counting the same course twice in one biennium
- Using carryover instead of the new period’s ethics requirement
- Confusing the reporting period with extra time to finish CE
Sources: NIPR Kentucky resident renewal requirements Kentucky course, reporting, and product training: 806 KAR 9:025
Common questions
Kentucky insurance continuing education FAQ
Does Kentucky require separate hours for agent and adjuster licenses?
A qualifying CE completion can apply to both agent and adjuster obligations. Verify the Department’s record to confirm that all held licenses show compliance.
Can I earn Kentucky CE without passing the required course exam?
No. When an approved course requires an examination, credit is awarded only after successful examination completion.
Does Kentucky CE completion renew my license?
No. Complete the CE requirement, verify its reporting, and submit the required license renewal separately.
Where can I buy Noble’s Kentucky CE courses?
Open the Kentucky catalog linked on this page. Select courses with the approved credit hours and categories required by your DOI record.
Primary sources
Official Kentucky insurance CE sources
Requirements can change. This guide references the primary sources below. Use the official license record and regulator to confirm individual compliance.