KENTUCKY

Resident Applications:

Resident applicants may apply online for Independent/Staff Adjuster, Public Adjuster, Apprentice Adjuster, Administrator (TPA), Agent, Life & Health Consultant, Property & Casualty Consultant, Managing General Agent, Reinsurance Intermediary Manager, Reinsurance Intermediary Broker, Viatical Settlement Broker, or Viatical Settlement Provider license.

For details on requirements for each license, please link to: http://insurance.ky.gov/static_info.aspx?static_id=21&Div_id=2

To access forms needed with application, and additional information on any class of license, please access our website at: http://insurance.ky.gov/Docs.aspx?Div_id=2

To avoid penalties and/or fines immediately change address by utilizing Kentucky e-Services at: https://insurance.ky.gov/eservices/default.aspx?MenuID=49&Div_id=2

General Information:

AOC Background Check - All resident applicants must provide an Administrative Office of the Courts criminal background report that must be obtained by using Form 8301-BGC. Instructions on the form should be carefully followed. A report obtained any other way will not be accepted by the State. Form 8301-BGC may be found at this link: http://insurance.ky.gov/Documents/8301BGC012010.pdf

Financial Responsibility - Financial responsibility is not required to be filed prior to license examination (if applicable); however, it must be filed upon successful completion of exam in order to meet all the requirements for an active license.
Proof of financial responsibility must be filed directly with the Kentucky Office of Insurance in accordance with Kentucky laws and regulations. Forms must be requested from the insurer or financial institution authorized to write such coverage.

The prescribed forms are:

• Errors and Omissions policy - Form 99-1,
• Letter of credit - Form 99-2,
• Surety bond - Form 99-3, OR
• Insurer's assumption of legal liability - Form 99-4 or Form 99-6.
• Form 99-4: If this Insurer Liability Assumption form has been filed with the state by the appointing Insurer, then submission of paper appointment FORM 8302-AP will be required to provide financial responsibility.
• Form 99-6: This Insurer Liability Assumption form must accompany the appointment FORM 8302-AP in order for the applicant to meet FR standards.

Pre-Licensing Certification:
Agents with lines of authority require certification of 20 hours per line of authority pre-licensing completion: Life, Health, Personal Lines, Property, and Casualty.

Viatical Settlement Broker without an active life license requires 40 hours pre-licensing completion.

All pre-licensing course work may be either Classroom or Self-Study. The prelicensing course Provider must complete the Certificate of Pre-licensing Course Completion, Form CPL-01. Form CPL-01 is valid for one year from the course completion date. The certification of completion should be submitted to the State either electronically or in paper at time of application. (Both the prelicensing course and instructor must be prior-approved by the Kentucky Office of Insurance.) A complete listing of approved pre-licensing Providers may be found at:  http://insurance.ky.gov

An Agent applicant does not have to satisfy the prelicensing training requirement if the individual holds one or more of the following designations in insurance:

• Chartered Life Underwriter (CLU) - (Life);
• Certified Employee Benefit Specialist (CEBS) - (Life);
• Chartered Financial Consultant (ChFC) - (Life);
• Certified Financial Planner (CFP) - (Life);
• Fellow of the Life Management Institute (FLMI) - (Life);
• Certified Insurance Counselor (CIC) - (Life, Health, Property, Personal Lines, and Casualty);
• Registered Health Underwriter (RHU) - (Health);
• Certified Employee Benefit Specialist (CEBS) - (Health);
• Registered Employee Benefit Consultant (REBC) - (Health);
• Health Insurance Advisor (HIA) - (Health);
• Accredited Advisor in Insurance (AAI) - (Property, Personal Lines, and Casualty);
• Associate in Risk Management (ARM) - (Property, Personal Lines, and Casualty);
• Chartered Property and Casualty Underwriter - (Property, Casualty, and Personal Lines); OR:
• Persons holding an insurance degree from an accredited college or university for all lines of authority.
• Held a similar license in Kentucky, other than a temporary license, within the past 12 months, unless the previous license was revoked for reasons other than failure to maintain financial responsibility or meet continuing education requirements;
• Held the same lines of authority in another state within the past 90 days and was in good standing in that state at the time of termination;
• Held the same lines of authority in another state within the past 12 months and applied for a Kentucky resident license within 90 days of establishing legal residence in Kentucky;
• Held a consultant license for the same lines of authority within the past 12 months, unless the previous license was revoked for reasons other than failure to maintain financial responsibility or meet continuing education requirements.

A Viatical Settlement Broker must satisfy the pre-licensing exam. A Life Agent Registered as Viatical Settlement Broker must have an Agent License with an active life line of authority for one or more years.

Agent - Life, Health, Property, Casualty, Personal Lines, Crop, and Travel,

Consultant - Life & Health and Property & Casualty,

Adjuster - Independent, Public, and Staff,

Viatical Settlement Broker, and

Rental Vehicle Managing Employee - (Examination administered by Employer)

When attempting to access licensing applications, please include ""DOI-"" in front of the KY license number.