How to Get Your Kentucky Life & Health Insurance License
To get your Kentucky life & health insurance license, you'll take the state exam administered by KY DOI-administered computer-based testing (approved sites, by appointment only) and file your application through NIPR — application filed BEFORE exam. No fingerprints are required. Note: Kentucky is an "apply-first" state — your license application must be on file before you can schedule the exam.
Exam vendor
KY DOI-administered computer-based testing (approved sites, by appointment only)
Application system
NIPR — application filed BEFORE exam
Fingerprints
Not required
Fees
No unusual fees noted
Verified Jul 2026
In Kentucky, the license application comes FIRST — before the exam. Don't schedule the test until your application is on file.
Step-by-step
- ★Complete your prelicensing education or exam prep. LicenseIQ offers an online prelicensing course and exam prep you can start today.
- 1Apply via NIPR FIRST — application, fees, prelicensing certificate, and criminal background report all required up front
- 2Receive Authorization to Test from KY DOI
- 3Schedule the DOI-administered exam at an approved site (Mon–Thu, appointment only — no walk-ins)
- 4Pass the exam; license issued after review
Watch-outs
- Kentucky is application-first: no exam scheduling until KY DOI issues an Authorization to Test. No fingerprints, but a criminal background report is required WITH the application.
Get started in Kentucky
Kentucky requires a short verification step before your course unlocks. Create your account and we'll walk you through it.
- Full life & health prelicensing course with Kentucky-specific exam prep
- 1,000+ practice questions across every exam chapter
- Flashcards + an AI tutor that answers questions 24/7
- Study on your schedule — start today, 100% online
Klarna financing available · Covered by our 7-day refund policy
Official Kentucky links
- Schedule the Kentucky examKY DOI-administered computer-based testing (approved sites, by appointment only)
- Apply for your Kentucky licenseNIPR (apply first)
- Kentucky Department of InsuranceOfficial source
Frequently asked questions
- Who administers the Kentucky insurance exam?
- The Kentucky life & health insurance exam is administered by KY DOI-administered computer-based testing (approved sites, by appointment only).
- Do I need fingerprints for a Kentucky insurance license?
- No — Kentucky does not require fingerprints for resident insurance producer applicants.
- How do I apply for my Kentucky insurance license?
- Applications are filed through NIPR — application filed BEFORE exam. In Kentucky, the application must be filed BEFORE you sit the exam.
- Do I take the exam or apply first in Kentucky?
- In Kentucky, you file the license application first — before scheduling the exam.