Kansas Insurance Exam Guides
Pick the license you're studying for. Each guide covers Kansas-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Kansas exam's state-law material, mapped.
Free study resource
What's actually tested on the Kansas exam — the state regulations, mapped
Every Kansas insurance exam reserves a block of questions for Kansas-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 92 facts from the TESTivity Kansas regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 12 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years from the date of issue, during the insured's lifetime
- Grace period for individual life testedNot less than 30 days
- Window to reinstate a lapsed policy testedWithin 3 years of premium default, on evidence of insurability and payment of arrears
- Max interest chargeable on reinstatement, if capped testedOverdue premiums bear interest not exceeding 6% per year
- Free look for individual life tested10 days for individual life and annuities — the owner may return the policy within 10 days for a full refund (variable products refund the market value)
- Free look for annuities tested10 days (the same 10-day right applies to annuities)
- Free look for long-term care tested30 days for long-term care (K.A.R. 40-4-37f); 30 days for Medicare supplement (K.A.R. 40-4-35)
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, extended term insurance
- Registrations required to sell variable products testedA Life license plus active FINRA registration is required to sell variable contracts (no separate Kansas variable exam)
- Does the state regulate viatical/life settlements? testedYes — the Kansas Viatical Settlements Act
- Viator's rescission window testedAt least 15 days from receipt of the proceeds (the contract is deemed rescinded if the insured dies within the period)
- Has the state adopted the NAIC best interest standard? testedYES — adopted the NAIC best interest standard, effective January 1, 2024 (K.A.R. 40-1-53). A producer recommending an annuity must act in the consumer's best interest.
Health 13 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedNO — Kansas did NOT expand Medicaid under the ACA; it remains a non-expansion state
- Agency administering Medicaid testedKanCare — Kansas's Medicaid program, delivered through managed care (three MCOs) and also covering CHIP
- Federal marketplace or state-based exchange testedA FEDERALLY-FACILITATED marketplace — Kansas uses HealthCare.gov (no state-based exchange)
- Name of the state CHIP program testedCHIP is delivered through KanCare (Kansas does not use a separate CHIP brand name)
- Clean-claim payment deadline, electronic tested30 days to pay or send a status notice on a clean claim (Kansas applies the same 30-day standard to electronic and paper)
- Clean-claim payment deadline, paper tested30 days — the same clean-claim deadline applies to paper and electronic claims
- Does the state distinguish electronic vs paper claims? testedNo split — a single 30-day clean-claim deadline for both paper and electronic claims
- Interest / penalty on late claim payment tested1% per month interest on a clean claim not paid on time
- Is the IRO's external review decision binding on the plan? testedYES — Kansas runs a binding external review: an Independent Review Organization decides, and its written decision (within 30 business days) is binding on the insured and the insurer, at no fee to the insured
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Kansas's continuation covers group accident & sickness policies not subject to federal COBRA (smaller groups)
- Employer size range covered by state continuation testedKansas continuation applies to group accident & sickness policies not subject to federal COBRA; the insured must have been continuously covered for the prior 3 months
- Duration of state continuation coverage testedUp to 18 months, then a right to convert
- Max premium as % of group rate testedThe same group rate (about 100%) — Kansas does not add the 2% administrative load that federal COBRA allows
Auto 11 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedNO-FAULT — under the Kansas Automobile Injury Reparations Act, personal injury protection (PIP) pays an injured person's own medical and related costs regardless of fault, with the right to sue only when a tort threshold is met.
- Minimum bodily injury liability per person tested$25,000
- Minimum bodily injury liability per occurrence tested$50,000
- Minimum property damage liability tested$25,000
- The memorizable shorthand (e.g. 30/60/25) tested25/50/25 (plus mandatory PIP)
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMANDATORY — uninsured/underinsured motorist coverage must be included, at least at the § 40-3107 minimum limits. Amounts in EXCESS of the minimum may be rejected in writing.
- Underinsured motorist status testedMandatory at the minimum limits (K.S.A. 40-284); higher amounts are rejectable in writing
- Personal injury protection status testedMANDATORY PIP — minimum benefits: $4,500 medical; $4,500 rehabilitation; $900/month disability (work loss) up to one year; $25/day substitution (up to 365 days); $2,000 funeral; and survivors' benefits up to $900/month.
- Contributory / pure comparative / modified comparative negligence testedModified comparative negligence — a 50% bar. A claimant recovers only if their fault is LESS THAN the combined fault of those they sue, so a claimant 50% or more at fault recovers nothing; the award is reduced by the claimant's share.
- The bar percentage, if modified comparative tested50% bar — a claimant 50% or more at fault recovers nothing
- Assigned risk / residual market plan for auto testedThe Kansas Automobile Insurance Plan (assigned risk), for drivers who cannot obtain coverage voluntarily
CE & Renewal 7 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedTwo years (a biennial term with a fixed license-expiration date, not tied to the birth month)
- What the renewal date keys off (flat term / birthday / birth year) testedBiennial, on a fixed license-expiration date (renew up to 90 days before)
- CE hours per renewal period, standard case tested18 hours of Kansas-approved CE every two years — LOWER than the 24 common in most states
- CE hours if holding multiple license types (if different) testedStill 18 total — holding one or two major lines does not multiply the hours (Title is 4, Crop 2)
- Ethics hours required per period tested3 hours of ethics, within the 18
- What happens if CE is not completed (fine / expiry / cancellation) testedA license may not be renewed until CE is satisfied; a license not renewed lapses
- Any CE exemption (e.g. long-service agents) testedNonresidents are treated as compliant if they are in good standing on their home state's CE (NAIC uniform reciprocity)
Property 7 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedFILE-AND-USE. Personal-lines rates are subject to a 30-day waiting period (deemed approved unless disapproved within 30 days); other and commercial-lines rates take effect on filing. Rates must not be excessive, inadequate, or unfairly discriminatory.
- Is insurance credit scoring permitted in personal lines? testedPermitted but restricted under the Kansas Insurance Score Act: an insurer may not use credit as the sole basis to decline, cancel, nonrenew, or rate; may not use income, race, and other prohibited factors; and must allow extraordinary-life-circumstance exceptions.
- Does the state have a FAIR Plan? testedYES — the Kansas FAIR Plan (Fair Access to Insurance Requirements). You must be declined by three insurers, then apply through any property agent; the property is inspected and approval is not guaranteed.
- Name of the FAIR Plan, if any testedKansas FAIR Plan
- Dominant catastrophe perils in the state testedTornado and hail above all — Kansas sits in Tornado Alley and is one of the most hail-prone states — plus severe thunderstorm wind and, in the drier west, wildfire.
- What license you must already hold to write surplus lines testedAn active Kansas property and casualty producer license, plus a separate Excess & Surplus Lines license
- Is a diligent-effort search of the admitted market required first? testedYes — a diligent effort to place the risk in the admitted market first
Guaranty 9 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedKansas Life and Health Insurance Guaranty Association
- Life death benefit limit tested$300,000
- Life cash surrender / withdrawal value limit tested$100,000 net cash surrender value
- Annuity benefit limit tested$250,000 present value of annuity benefits
- Health benefit limit tested$500,000 for basic hospital, medical, and surgical or major medical; $300,000 for disability income and long-term care; $100,000 for other health
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual
- Does the state follow the standard NAIC model limits? testedYes — standard NAIC model limits, with tiered health
- Name of the P&C guaranty association testedKansas Insurance Guaranty Association (administered by Western Guaranty Fund Services)
- Is using the guaranty association as a sales inducement prohibited? testedYes — using the existence of the guaranty association in a sale or as an inducement is prohibited
Workers Comp 5 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — mandatory for essentially all employers, except those with a low gross annual payroll (and certain agricultural employers)
- Agency administering workers' compensation testedThe Kansas Division of Workers Compensation, within the Kansas Department of Labor
- Temporary total disability wage replacement rate tested66⅔% of the average gross weekly wage, capped at the amount nearest 75% of the state average weekly wage (minimum $50 per week)
- Deadline to file a claim testedGive the employer notice within 30 days (or 20 days after the last day worked if no longer employed); file an application for hearing within 3 years of the accident or 2 years of the last payment, whichever is later
- Ways an employer may comply (insure / self-insure / group) testedInsure with a licensed carrier, or qualify as an approved self-insurer
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Kansas Insurance Department (KID)
- Title of the person who heads it testedCommissioner of Insurance
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedELECTED by the voters of Kansas statewide to a four-year term — not appointed
- Where the state's insurance law is codified testedChapter 40 of the Kansas Statutes Annotated (Insurance), with regulations in Agency 40 of the Kansas Administrative Regulations
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — a conventional Insurance Department, but headed by an ELECTED Commissioner
Cancellation 5 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60 days — after an auto policy has been in effect 60 days, it may be canceled only for enumerated reasons
- Notice days to cancel a personal auto policy inside the initial window testedAt least 30 days' written notice to cancel auto (nonpayment or the insured's own request are exempt from the 30-day rule)
- Notice days for cancellation for other permitted causes tested30 days for permitted causes (auto)
- Notice days required for nonrenewal testedAt least 30 days' advance notice of nonrenewal for auto (K.S.A. 40-276a); business and professional property/casualty nonrenewal requires 60 days (K.S.A. 40-2,121), with a written reason (K.S.A. 40-2,122)
- Must the reason be stated proactively, on request, or not at all? testedYes — a written explanation of the reason must be provided for a cancellation or nonrenewal (K.S.A. 40-2,122)
Licensing 18 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a Life line, taken as an individual exam or in the combined Life/Accident & Health exam
- Is there a standalone health license/exam? testedYes — an Accident and Health or Sickness line, taken as an individual exam or in the combined Life/Accident & Health exam
- Is there a combined life+health license/exam? testedYes — Kansas offers a combined Life/Accident & Health exam (as well as individual Life and Accident & Health exams)
- Is there a personal lines license/exam? testedYes — a Personal Lines line for those who do not want a full Property & Casualty authority
- Is P&C one combined license, or split into Property and Casualty? testedBoth — Kansas offers Property and Casualty as INDIVIDUAL exams (Property and Allied Lines; Casualty and Allied Lines) AND as a COMBINED Property/Casualty exam, plus a narrower Personal Lines line.
- Does the life license cover annuities? testedYes — annuities are sold under the Life line (variable contracts require a Life license plus active FINRA registration; no separate exam)
- Does the P&C license already include personal lines authority? testedYes — a full Property & Casualty authority covers personal-lines risks; the Personal Lines line is a narrower subset
- Full list of exam-based agent license types testedOne Kansas producer license listing any of: Life · Accident and Health or Sickness · Property and Allied Lines · Casualty and Allied Lines · Personal Lines · Crop · Title — plus separate Excess & Surplus Lines and Public Adjuster credentials
- Exam administrator (Prometric / PSI / Pearson VUE) testedPearson VUE — at a physical test center. Each exam has TWO sections (a national section and a Kansas state section); you must score 70% on EACH (they are not averaged).
- Exam fee tested$64 for a major-line combination exam; $57 for a single or limited-line exam
- Fee per insurer appointment tested$2 to appoint a producer for a domestic insurer ($5 for a foreign insurer). The annual appointment RENEWAL fee was eliminated effective July 1, 2025 (HB 2050).
- Passing score tested70% on EACH of the two exam sections (national and Kansas state), not averaged
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedNO — Kansas does NOT require pre-licensing education. 'Kansas does not have a pre-licensing education requirement.'
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — no pre-licensing course is required. Candidates study the Pearson VUE content outlines and sit the exam directly.
- Fingerprints, state police report, or none testedFingerprinting and a state and federal criminal-history check are REQUIRED, with a $60 background-check fee
- Who takes the prints / issues the report testedA KID-approved fingerprint vendor; results reported to the Kansas Insurance Department
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com)