Kentucky- Life & Health Insurance Plans Policies

Total Hrs / Order Price
1-5 $15.95
6-17 $24.95
18-24 $39.95
25-50 $49.95
51+ $49.95 + $2.00 per
additional hour over 50

Pricing based on total number of
hours in order.

Approved For:

  • Life and Health

Credit Hours
12

Course Type
Online

DOI Number
C03012

Publisher
FastrackCE, LLC

State
Kentucky

State
State CE Requirements

CE Course Description

Together, life and health insurance are a huge part of the insurance industry as a whole—and a key part of our society’s safety net. As an insurance agent, you’ll sell life and health insurance to businesses large and small as well as individuals. Life and health insurance sales can be highly rewarding—and profitable.

This comprehensive course is approved for continuing education credit hours. It provides a thorough overview of life and health insurance—how the policies work, typical provisions, and laws and regulations affecting their sale. You’ll gain the in-depth understanding you need to serve as an expert resource to businesses and individuals—and build a thriving business as a Life & Health agent. Topics covered include:

  • Whole, term, permanent, and universal life insurance
  • Group, business, and survivorship life insurance
  • Variable products
  • Retirement plans
  • Health insurance plans and policies
  • HMO’s and PPO’s
  • COBRA and medical savings plans
  • Social health insurance
  • Workers’ Compensation
  • HIPAA and insurance law
  • Insurance fraud and ethics

This course is available in an easy-to-download online format. Study on your own time, in the comfort of your home or office—and meet your continuing education requirements while managing a full-time work schedule. Download this course today—and get started building your Life and Health expertise.

Required CE Hours for Renewal in Kentucky

  • All Licenses

    • 24 hours of approved continuing education must be completed during each continuing education biennium.
    • Of the 24 hours of coninuing education course 6 hours of the CE courses must be completed in the line of authority of the licensee, with the exception of adjusters who may take all courses in Property and Casualty.
    • Of the 24 hours, at least 3 hours of credit must be specifically approved as Ethics.
  • Life Settlement

    • 24 hours of approved continuing education must be completed during each continuing education biennium which must include 3 hours of ethics, 3 hours of life settlement, and 3 hours of life insurance every renewal period.

Special Training/Education Requirements (LTC, Flood, Ethics, others)

  • Long Term Care -LTC

    • Agents wishing to sell Long Term Care are required to take a one time only 8 hour Department of Insurance certified course
    • Each license term thereafter each agent must complete a 4 hour Long Term Care Partnership CE course that is approved by the department.
  • Flood Insurance Training

    • An insurance producer who sells flood insurance may satisfy the minimum training and education requirements by completing a 3-hour course related to the National Flood Insurance Program (NFIP).

How Hours are Reported

  • CE completions are submitted electronically the next business day after a passing completion is acquired.

License Term

  • If born in an even year license renews on the last day of your birth month every even year. If born in an odd year license renews on the last day of your birth month every odd year.
  • ADJUSTERS: Your first CE compliance date is July 31, 2012 if you have had your license for at least a year. Then the same license term

Exemptions

  • Limited lines licensees: Limited Line Credit, Travel, Crop, Surety
  • Agents who receive their license less than one full year before the end of their current continuing education biennium. (But, these agents are not exempt from the next biennium and thereafter.)
  • Agents who are nonresident and have complied with all the CE requirements in their home state.

Course Type approved for Continuing Education

  • Online courses
  • Independent Self-study
  • Classroom Study

Final Exam

  • Final exams do not need to be monitored and are open book.
  • Must receive a 70% to achieve a passing grade.

Carryover CE Hours

  • Up to 12 CE credits can be carried over, however this does not apply to the ethics requirement. Extra ethics credits will be used as general credits only.

Repeating Courses

  • Courses may not be taken more than once in each renewal period.

Completion Certificates

  • Certificates of completion are available as soon as a course is completed with a passing grade. Certificates should be printed and kept on file for 3 years.
  • A copy of the certificate should be sent to the Department of Insurance within 30 days of completing the course.

Kentucky Department of Insurance

Phone: (502) 564-3630 or (800) 595-6053
Fax: (502) 564-6030

Email: DOI.AgentLicensingMail@ky.gov

Mailing Address:
Kentucky Department of Insurance
Licensing Division
215 West Main Street
Frankfort, KY 40601

Web site: Kentucky Department of Insurance