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Life Insurance Producer License (KY)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
TL;DR

Life Insurance Producer License (KY): a 28-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 28 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily KRS (46%) and 806 KAR 12:120 (21%) of this exam's citations.

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3
full papers, no repeats
28
questions per paper
28
questions in the bank
What this exam covers
5 real sample questions
A Kentucky resident applying for a life insurance line of authority must generally complete how many hours of prelicensing education before sitting for the licensing examination?
A. 5 hours
B. 50 hours
C. 20 hours
D. 0 hours, since life insurance is exempt
Source: KRS 304.9-105
Under KRS 304.17-170, a Kentucky life insurance policyholder must generally be given a free-look period of at least how many days to examine and return the policy for a full premium refund?
A. 10 days
B. 30 days
C. 45 days
D. 60 days
Source: KRS 304.17-170
A Kentucky consumer purchases a whole life policy and decides, on day 8 after delivery, that she no longer wants it. Under KRS 304.17-170, what is she entitled to do?
A. Nothing; life insurance policies cannot be returned once issued
B. Return the policy within the free-look period for a full refund of premium paid
C. Return the policy but receive only 50% of the premium paid
D. Return the policy only if she can prove the agent misrepresented it
Source: KRS 304.17-170
806 KAR 12:080 establishes minimum standards of conduct that apply to Kentucky producers when:
A. A policyholder simply pays an annual premium on an existing policy
B. A new life insurance policy or annuity contract is proposed to replace an existing one
C. An insurer processes a routine beneficiary change form
D. A producer renews a Kentucky insurance license
Source: 806 KAR 12:080
When a Kentucky producer learns that a proposed new life insurance sale will involve replacing the applicant's existing policy, 806 KAR 12:080 generally requires the producer to:
A. Ignore the existing policy entirely and process only the new application
B. Provide required replacement notice and follow the procedures for notifying the existing insurer of the proposed replacement
C. Immediately cancel the existing policy without informing either insurer
D. Wait until after the free-look period expires before disclosing that a replacement occurred
Source: 806 KAR 12:080
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (KY)May 2025$60,880/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life Insurance Producer License (KY) practice test?
28 questions total, split into 3 full papers of 28 each with no repeats across papers.
What topics does the Life Insurance Producer License (KY) test cover?
6 domains, with the heaviest weight on Policy Provisions (25%), Suitability & Best Interest (21%), and Replacement Rules (18%).
Where do CertQuestUSA's Life Insurance Producer License (KY) questions come from?
Primarily KRS (46%) and 806 KAR 12:120 (21%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Life Insurance Producer License (KY)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
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