Free Kansas Life Insurance Practice Exam Online

Correct answer: A. "Insurance producer" or "producer"

Correct. K.S.A. § 40-4902 defines "insurance agent" or "agent" as any person required to be licensed under chapter 40 to sell, solicit, or negotiate insurance, and expressly states this term also includes "insurance producer" or "producer."

• B: A consultant is a distinct license type for a person who advises for a fee rather than sells; § 40-4902 does not equate "agent" with "consultant."
• C: A claims adjuster handles claim settlement, a separate licensing category under Kansas law, not a synonym for insurance agent under § 40-4902.
• D: A third-party administrator processes claims or administrative functions for insurers; it is not one of the terms § 40-4902 equates with insurance agent.

Correct answer: B. Benefits of endowment and annuities

Correct. K.S.A. § 40-4903(a) defines "Life" as insurance coverage on human lives, including the benefits of endowment and annuities, and may include benefits in the event of death or dismemberment by accident and benefits for disability income.

• A: Coverage for loss or damage to tangible property is defined as the "Property" line of authority under § 40-4903(a), a separate category from Life.
• C: Motor vehicle physical damage coverage falls under the Property or Casualty lines of authority, not the Life line.
• D: Title insurance is its own enumerated line of authority under § 40-4903(a); it is unrelated to the Life line's endowment and annuity component.

Correct answer: C. Successfully passed the examination for the life line of authority applied for

Correct. K.S.A. § 40-4905 requires that, before a resident agent license is issued, the applicant has successfully passed the examination for each line of authority for which the applicant applied, in addition to paying the nonrefundable application fee and satisfying fingerprinting and background-check provisions the commissioner may impose.

• A: Section 40-4905 does not condition licensure on any set number of pre-licensing classroom hours; Kansas statute imposes no such mandatory pre-licensing-hour requirement before the exam.
• B: Personally owning a life insurance policy is not a condition of licensure under § 40-4905.
• D: Section 40-4905 sets no educational-degree prerequisite; it conditions licensure on passing the line-of-authority examination and satisfying the application, fee, and background-check requirements.

Correct answer: D. Fingerprinting and a state and national criminal history record check, per K.S.A. 2025 Supp. § 22-4714

Correct. K.S.A. § 40-4905 authorizes the commissioner to require applicants to submit to fingerprinting and a state and national criminal history record check under K.S.A. 2025 Supp. § 22-4714, with the applicant bearing the associated costs, though proof of recent fingerprinting from another state license may be submitted in lieu of resubmitting.

• A: Section 40-4905 does not condition licensure on a vouching letter from an existing producer.
• B: Prior industry employment is not a statutory prerequisite under § 40-4905; the section conditions licensure on passing the exam, paying the fee, and satisfying any required background check.
• C: Section 40-4905 contains no minimum net-worth or personal financial statement requirement for a resident producer applicant.

Correct answer: A. Variable life and annuity products

Correct. K.S.A. § 40-4903(a) lists variable life/annuity products among the distinct enumerated lines of authority a producer license may carry, separate from the base Life line covering nonvariable coverage on human lives.

• B: Credit insurance is a distinct enumerated line under § 40-4903(a) tied to credit transactions; it has no bearing on variable contract authority.
• C: Title insurance is a distinct enumerated line under § 40-4903(a) covering title defects on real property; it is unrelated to variable life or annuity contracts.
• D: Personal lines is a separate enumerated line under § 40-4903(a) covering personal auto and homeowners-type risks; it is unrelated to variable life or annuity products.