Insurance License Renewal in Kentucky (2026)

Insurance license renewal in Kentucky is handled by the Kentucky Department of Insurance, which requires Insurance Producer (Agent)s to renew every 24 months. Below are the renewal deadline rule, continuing-education (CE) hours, fees, and a direct link to the official renewal page — last verified 2026-06-01. This is an unofficial guide; always confirm the details with the board before you file.

Kentucky Insurance renewal at a glance

Renewal cycle	24 months
Deadline rule	Resident producer licenses renew biennially (every 2 years) by the last day of the licensee's birth month, in either odd- or even-numbered years depending on the year of birth. CE must be completed by that same date. A grace period allows late renewal for up to two months after expiration (with a penalty), after which the license is cancelled and the person must reapply.
CE hours required	24 hours
Renewal fee	see board (fee not fixed/published)
Online renewal	Yes
CE tracking system	NIPR
Governing body	Kentucky Department of Insurance

Go to the official Kentucky Department of Insurance renewal page →

Last verified 2026-06-01 from the Kentucky Department of Insurance. automated research workflow (official kentucky Department of Insurance), confidence high.

Continuing-education requirements for Insurances in Kentucky

Resident individual agents must complete 24 hours of approved CE per biennium, including at least 3 hours of ethics. Hours may be classroom, correspondence, or self-study; only department-approved courses count, and a course counts only once per biennium. Up to 12 unused hours carry over to the next compliance period as general hours. CE applies to major lines of authority (life, health, property, casualty, variable life/variable annuity, personal lines); limited lines such as credit, crop, and travel are exempt. CE must be completed by the last day of the birth month at the close of the biennium. No specific separate flood/LTC/annuity-suitability hour mandate was verified on the official source reviewed.

Need approved hours? Compare Kentucky Insurance CE courses (some links are affiliate links).

How to renew your Insurance license in Kentucky

Confirm your renewal deadline and current status on the Kentucky Department of Insurance portal.
Complete the required 24 CE hours and confirm they appear in NIPR.
Submit the renewal application and pay the current fee online.
Keep proof of CE and your renewal confirmation for your records.

Good to know: Renewal fee is conditional, so no single fixed resident producer renewal fee is published: an agent holding at least one active Kentucky insurer appointment pays $0 to renew, while one without an active appointment pays a $40 renewal fee (hence renewal_fee_usd is null). Late fee similarly is $40 with an active appointment or $80 without; $40 captured as the base late fee. Renewals may be submitted up to ~90 days before expiration. The birth-month deadline alternates odd/even years based on the licensee's birth year. Fee figures sourced from NIPR's official state-requirements page; cycle, deadline rule, and CE confirmed on insurance.ky.gov.

Insurance license renewal in Kentucky: frequently asked questions

How often do I renew my Insurance license in Kentucky?

Kentucky Insurance licenses renew every 24 months. Resident producer licenses renew biennially (every 2 years) by the last day of the licensee's birth month, in either odd- or even-numbered years depending on the year of birth. CE must be completed by that same date. A grace period allows late renewal for up to two months after expiration (with a penalty), after which the license is cancelled and the person must reapply.

How many CE hours are required to renew an Insurance license in Kentucky?

Approximately 24 continuing-education hours per cycle. Resident individual agents must complete 24 hours of approved CE per biennium, including at least 3 hours of ethics. Hours may be classroom, correspondence, or self-study; only department-approved courses count, and a course counts only once per biennium. Up to 12 unused hours carry over to the next compliance period as general hours. CE applies to major lines of authority (life, health, property, casualty, variable life/variable annuity, personal lines); limited lines such as credit, crop, and travel are exempt. CE must be completed by the last day of the birth month at the close of the biennium. No specific separate flood/LTC/annuity-suitability hour mandate was verified on the official source reviewed. Confirm the current requirement with the Kentucky Department of Insurance.

Can I renew my Kentucky Insurance license online?

Yes — Kentucky offers online renewal through the Kentucky Department of Insurance. Use the official link on this page.

What happens if I let my Kentucky Insurance license expire?

Practicing on an expired license is generally prohibited and can carry penalties. A late fee of about $40 may apply. Contact the Kentucky Department of Insurance promptly if your license has lapsed.

Renew the same license in another state

All states: Insurance Producer (Agent) renewal