Licensing Laws
Prelicensing (OH & KY)
 Continuing Education (OH & KY)

Prelicensing Laws


Kentucky
The State of Kentucky requires each individual who desires an insurance license to complete 40 hours of approved pre-license education before they can take the licensing examination. This requirement is waived if the individual holds a Chartered Life Underwriter (CLU) or a Chartered Property/Casualty Underwriter (CPCU) designation. You must provide verification for pre-licensing education waiver when you submit your license application. To get more information about the licensing process from the State of Kentucky, click here. http://doi.ppr.ky.gov
Ohio
The State of Ohio requires each individual who desires an insurance license to complete an approved pre-license education course before they can take the licensing examination.  The prelicesning education requirement is waived if an individual has an Associate or Bachelor's degree with a major in insurance. The prelicensing and examination requirement is waived if the individual holds a Chartered Life Underwriter (CLU) or Chartered Property/Casualty Underwriter (CPCU) designation. You must provide verification for pre-licensing education waiver when you submit your license application. To get more information about the licensing process from the State of Ohio, click here. www.ohioinsurance.gov

Licenses requiring an examination:

      Insurance Agent Licenses

 Property and Casualty                                                       (40 Hours) + Examination
 Personal Lines                                                                     (20 Hours) + Examination
 Life, Accident and Health, Variable Products                (40 Hours) + Examination
 Home Warranty                                                                  Examination only
       Other Licenses
 Title                                                                                      Examination only
 Surety Bail Bonds                                                              Examination only
 Public Insurance Adjuster                                                Examination only


The Prelicensing Administrator for Kentucky and Ohio is:  www.experioronline.com

 

Continuing Education Laws


 Kentucky
Kentucky law requires every licensed insurance agent to complete a minimum of twenty four hours of approved continuing education courses during each continuing education biennium. Credit for an approved course can only be earned once within the biennium period. Instructors can earn credit for a course the teach, one time only, within the biennium. At least twelve (12) hours must be classroom hours, and credit from correspondence courses is limited to twelve (12) hours maximum per biennium.
Two hours must bin Ethics, 6 hours must be in your area of discipline.

A continuing education biennium ends on June 30 of each even year. All agents are given at least one (1) full year to complete the continuing education requirements; if you were licensed on June 30, 1999 or prior, your requirements must be met by June 30, 2000. Anyone licensed on or after July 1, 1999 must have the requirements met by June 30, 2002.  Up to twelve (12) classroom excess credit hours accumulated during any continuing education biennium can be carried forward. Correspondence course credit can not be carried over.

Exemptions from continuing education requirements exists for insurance agents holding nonresident licenses who have met the requirements in their state of domicile. In addition, persons maintaining licenses for the sole purpose of receiving renewals or deferred commissions are exempt if they file an affidavit to that effect with the Department of Insurance. www.doi.state.ky.us.

If you are subject to continuing education and fail to meet the requirements. Your license will be canceled, unless extended by the commissioner, retroactive to July 1 of the even year that the requirements were due.

Ohio
Ohio Law requires every licensed insurance agent to complete at least twenty credit hours of approved continuing education courses every two years. This is how you determine your compliance period.

Licensees who were issued licenses prior to January 1, 1994 are required to complete their CE by December 31, in odd numbered years, i.e., 1995, 1997, 1999, 2001, 2003, etc.

Licensees who were issued licenses on or after January 1, 1994 begin their two year compliance period on January 1st of the next year after issuance. The compliance period ends on December 31st of the second year after the year of issuance. An example is, you were licensed on July 1, 1998. The compliance period starts January 1, 1999 and ends December 31, 2000.