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Kentucky Life & Health license exam prep

Kentucky Life & Health Insurance Practice Test 2026

Practice the exam Kentucky uses, from general life & health knowledge to Kentucky's own insurance law. Every answer quotes the statute behind it.

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What the Kentucky exam tests

General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Kentucky's own insurance law.

Kentucky requirement to pass

Life 50, Health 50 scored questions. The time limit and passing score are set by Kentucky; check the candidate handbook.

Last verified September 2026 · Life Insurance Exam Study Outline

Kentucky

Life & Health

Questions on the real exam
Life 50, Health 50 scored questions
State license fee
$40 listed (it depends on the license type), paid to the Kentucky Department of Insurance
Pre-licensing education
Life: 20 hours required; Accident & Health: 20 hours required

From Kentucky's published exam materials.

Study by topic

Master each topic before your Kentucky exam. First 4 topics are free to start.

PersonalizedStudy your weak spots first PRO
Kentucky insurance lawPRO88 questionsPractice run: State Insurance Statutes & Regulations20 questions free, 25 with Pro · mixed topicsStart run

Pro study tools

The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?

Your Life & Health readiness, before you book.

This is a sample report. With Pro, the score and every dimension come from your own answers.

SAMPLE SCORE BREAKDOWN
SAMPLE
Coverage62%
Accuracy78%
Test Performance71%
Memory66%
Speed84%
81% likely to pass (sample)Focus on: Coverage

About the Kentucky Life & Health exam

The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.

What it covers

  • Life insurance policy types, provisions and riders
  • Annuities and how they are taxed
  • Accident and health insurance, including HMOs and managed care
  • Your state's producer licensing, marketing and unfair trade practice rules

Who takes it

New agents and career changers getting a first producer license, and agents adding life and health to an existing license.

Frequently asked questions

Kentucky's published content outline lists Life 50, Health 50 scored questions. Exams also include a few unscored pretest questions.

The passing score is set by Kentucky. Most states use 70%, but check the Kentucky candidate handbook from the testing vendor for the exact figure.

Most states hire an outside testing company, such as PSI, Pearson VUE or Prometric. The Kentucky Department of Insurance links to the one it uses.

The fee is set by Kentucky and its testing vendor and can change. Check the Kentucky candidate handbook from the testing vendor for the exact figure.

Life: 20 hours required; Accident & Health: 20 hours required. Confirm the current rule with the Kentucky Department of Insurance before you register, because requirements change.

Retake rules come from Kentucky and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the Kentucky candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the Kentucky Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general life & health knowledge with Kentucky insurance law.

More Kentucky practice tests

Kentucky Property & Casualty practice testKentucky Personal Lines practice test

Life & Health practice tests in other states

CaliforniaTexasFloridaNew YorkPennsylvaniaIllinoisOhioGeorgiaNorth CarolinaMichiganNew JerseyVirginia
See all Life & Health states →