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Free Kentucky Life Accident Health Practice Test Online

Official exam: Life, Accident & Health Insurance Producer License (KY)

Take a free Kentucky Life Accident Health practice test online: a full 27-question paper with every answer explained, no sign-up, scored by topic. The full 27-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Life, Accident & Health Insurance Producer License (KY): a 27-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 27 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily KRS (67%) and 806 KAR 9:025 (17%) of this exam's citations.

Take a full practice test free. 27 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
27
questions per paper
27
questions in the bank
What this exam covers
5 real sample questions
An applicant wants to obtain the combined life and health line of authority in Kentucky. Approximately how many total pre-licensing education hours should the applicant expect to complete before sitting for the examination?
A. 20 hours
B. 40 hours
C. 60 hours
D. 100 hours
Show answer and reasoning

Correct answer: B. 40 hours

Correct. 806 KAR 9:025 sets the pre-licensing requirement for the life and health line of authority at a minimum of 40 hours.

  • A: 20 hours reflects the minimum for a single limited line of authority, not the combined life and health major line.
  • C: 60 hours overstates the requirement for this specific line of authority.
  • D: 100 hours substantially overstates Kentucky's actual pre-licensing hour requirement.
Source: 806 KAR 9:025
Under Kentucky law, what must an individual obtain before selling, soliciting, or negotiating life, accident, and health insurance products in the state?
A. An insurance producer license issued by the Kentucky Department of Insurance
B. A registered investment advisor designation
C. A pharmacy technician certification
D. Nothing, provided the individual only sells to family members
Show answer and reasoning

Correct answer: A. An insurance producer license issued by the Kentucky Department of Insurance

Correct. KRS 304.9-020 prohibits acting as, or holding oneself out as, an insurance producer in Kentucky without a license issued by the Department of Insurance.

  • B: An investment advisor designation relates to securities regulation, not insurance producer licensing, and does not satisfy Kentucky's requirement.
  • C: A pharmacy technician certification is entirely unrelated to insurance licensure.
  • D: Kentucky's licensing requirement applies to selling, soliciting, or negotiating insurance generally; there is no blanket family exemption.
Source: KRS 304.9-020
How many hours of commissioner-approved pre-licensing education must an applicant complete for the combined life and health line of authority in Kentucky?
A. 40 hours
B. 60 hours
C. 80 hours
D. 20 hours
Show answer and reasoning

Correct answer: A. 40 hours

Correct. 806 KAR 9:025 requires a minimum of 40 hours of pre-licensing study for the life and health line of authority.

  • B: 60 hours overstates the requirement set out in the regulation.
  • C: 80 hours substantially overstates Kentucky's actual pre-licensing hour requirement for this line.
  • D: 20 hours is the minimum set for a single limited line of authority, not the combined life and health major line.
Source: 806 KAR 9:025
What minimum score must an applicant achieve to pass the Kentucky life and health producer licensing examination?
A. 60% of questions answered correctly
B. 65% of questions answered correctly
C. 70% of questions answered correctly
D. 75% of questions answered correctly
Show answer and reasoning

Correct answer: C. 70% of questions answered correctly

Correct. 806 KAR 9:025 requires an applicant to correctly answer at least 70 percent of the examination questions to pass.

  • A: 60% is below the passing threshold actually set in Kentucky regulation.
  • B: 65% is close but does not match the figure specified in 806 KAR 9:025.
  • D: 75% overstates the passing score set by Kentucky's licensing regulation.
Source: 806 KAR 9:025
A licensed Kentucky life and health producer must complete how many hours of continuing education during each two-year license period, including how many hours of ethics?
A. 24 hours total, including 3 hours of ethics
B. 30 hours total, including 5 hours of ethics
C. 40 hours total, including 8 hours of ethics
D. 16 hours total, including 2 hours of ethics
Show answer and reasoning

Correct answer: A. 24 hours total, including 3 hours of ethics

Correct. Kentucky requires 24 hours of continuing education every two years, including 3 hours of ethics, under the Department of Insurance's CE regulations.

  • B: 30 hours with 5 ethics hours overstates both the total and ethics-specific requirements.
  • C: 40 hours with 8 ethics hours dramatically overstates Kentucky's actual CE requirement.
  • D: 16 hours and 2 ethics hours reflect requirements used by other states, not Kentucky's requirement.
Source: 806 KAR 9:310
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

Where can I take a free Kentucky Life Accident Health practice test online?
Right here. CertQuestUSA's free Kentucky Life Accident Health practice test online is a full 27-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 27-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Life, Accident & Health Insurance Producer License (KY) practice test?
27 questions total, split into 3 full papers of 27 each with no repeats across papers.
What topics does the Life, Accident & Health Insurance Producer License (KY) test cover?
14 domains, with the heaviest weight on Life Insurance Contract Provisions (22%), Guaranty Association (11%), and Health Insurance Policy Types (11%).
Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (KY) questions come from?
Primarily KRS (67%) and 806 KAR 9:025 (17%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life, Accident & Health Insurance Producer License (KY) practice test?
Yes -- one full 27-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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