Who this license is for
Anyone who wants to sell life insurance policies — or, in most states, annuity products — needs a state-issued Life license before they can do so. It's the single most commonly held individual insurance license.
Topics to study
These general insurance topics provide a starting point for studying Kentucky Life. See the official exam breakdown and timing.
Basic Insurance Concepts and Principles
Contract Law
Insurance Marketplace
Life Insurance - Basics
Types of Life Policies
Life Insurance and Annuities - Policy Replacement / Cancellation
Individual Life Insurance Contract - Provisions
Taxation of Life Insurance and Annuities
Group Life Insurance Plans
Social Security Disability Program
Plan your next steps in Kentucky
- Confirm the license you need and the current eligibility, education, application, and background-check requirements with Kentucky Department of Insurance.
- Review the exam content outline and use it to organize your study topics.
- Practice by topic, review explanations for mistakes, and work through a timed mock exam when you have covered the outline.
- Follow the regulator's current instructions for scheduling and applying for your license.
Before you book the exam
Check the current candidate instructions for identification, scheduling, fees, and permitted materials. CARE provides exam preparation; a practice result does not guarantee a passing result or grant a license.
Compare other Kentucky insurance exams · View Kentucky Life exam format and preparation