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: 192 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 August 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 21 facts
Kansas puts every required life policy provision in one statute — K.S.A. 40-420 — and everything else (free look, replacement, annuity conduct) in the regulations.
- Where the required policy provisions live testedAll of them in one place — K.S.A. 40-420, "Contents of insurance policy," with thirteen numbered subsections. Kansas does not scatter them across the article.
- Grace period for individual life testedNot less than 30 days.
- Incontestability period testedTwo years — the policy is "incontestable after it has been in force during the lifetime of the insured for a period of not more than two years from its date," excepting fraud and military or naval service in time of war.
- Misstatement of age testedAdjust, never void — "the amount payable under the policy shall be such as the premium would have purchased at the correct age."
- Window to reinstate a lapsed policy testedWithin three years of premium default, on evidence of insurability satisfactory to the company and payment of arrears.
- Interest chargeable on reinstatement testedPremium arrears bear "interest on its premium at the rate of not exceeding 6% per annum payable annually." The cap attaches to premium arrears; policy indebtedness is governed separately.
- Maximum policy loan interest rate tested8% per annum on a policy loan — a separate cap from the 6% on reinstatement arrears.
- Statutory suicide clause testedNONE. Kansas has no statutory suicide period — suicide is not among the thirteen required provisions of K.S.A. 40-420. The familiar two-year clause is policy language, not a Kansas mandate.
- Free look for individual life testedAt least 10 days from delivery. The regulation is titled "Individual life insurance policies" but it reaches annuity contracts too, including variable products.
- Free look for annuities testedThe same at-least-10-day right applies to annuity contracts; variable products refund the market value rather than the premium.
- Where a policy may be returned during the free look testedTo the insurer's home or branch office OR to the agent through whom it was purchased — a detail Kansas spells out and many states do not.
- Free look for long-term care testedAt least 30 days — "the policyholder shall have the right to return the policy within 30 days of its delivery."
- Free look for Medicare supplement tested30 days from receipt, per the Kansas Department of Insurance Medicare supplement shopper's guide. Note that K.A.R. 40-4-35 sets Medicare supplement minimum standards by adopting a Department document by reference, so the free-look language is not in the regulation's own text.
- The Standard Nonforfeiture Law citation testedK.S.A. 40-428 — not 40-420, which is the required-provisions section.
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, and extended term insurance.
- Notifying the existing insurer on a replacement testedThe replacing insurer must notify the existing insurer within three working days.
- The replacement 20-day rule testedThe replacing insurer must delay issuing the policy 20 days after notifying the existing insurer — UNLESS the policy carries a right to an unconditional refund of all premiums within 20 days after delivery. The two are alternatives, not cumulative requirements.
- How long replacement records are kept testedAt least three years, or until the conclusion of the next regular examination by the Department, whichever is later.
- Annuity best-interest standard testedAdopted, effective 1 January 2024, with a one-time four-credit training course that sits outside the 18 CE hours. K.A.R. 40-2-14a was revoked the same day.
- What it takes to sell variable products testedA Kansas Life line plus active FINRA registration — Kansas does not add a separate state variable-contracts exam.
- Rebating testedAn enumerated unfair trade practice, at subsection (8) of the sixteen categories.
Health 27 facts
Accident and health rules: the 10-day return right, the prompt-pay chain, and an 18-month state continuation that runs as long as federal COBRA.
- Free look for individual accident and health testedAt least 10 days from delivery. The notice must appear on the first page in at least 10-point bold type, and on return "the policy shall be void from the beginning and the parties shall be in the same position as if no policy or contract had been issued." Travel accident policies are excluded.
- Clean-claim payment deadline tested30 days after receipt to pay the claim or to send written or electronic notice of the reason for non-payment.
- Does Kansas split electronic and paper claims? testedNo. A single 30-day clean-claim standard applies to both — Kansas is not one of the states with a shorter electronic clock.
- Interest on a late claim payment tested1% per month on the amount remaining unpaid 30 days after receipt.
- When the insurer asks for more information testedThe claimant gets 30 days to supply it, and the insurer then has 15 days — not another 30 — from receiving it to pay or notify.
- Recovering an overpayment from a provider testedLimited to 18 months after the end of the month in which payment was made, except in cases of fraud.
- Pharmacy audit lookback testedCapped at two years.
- Duration of state continuation coverage tested18 months under the group policy — the same length as federal COBRA, and far longer than the three-month stopgap several states use.
- Who qualifies for state continuation testedA person continuously covered under the group policy for at least three months immediately before termination.
- Premium for continued coverage testedThe same rate active members pay — "the terminated employee or member shall pay to the insurance carrier the premium for the eighteen-month continuation of coverage and such premium shall be the same as that applicable to members or employees remaining in the group." The statute sets NO percentage load, so there is no Kansas equivalent of federal COBRA's 102%.
- When continuation is not available testedTermination for nonpayment of premium, eligibility for Medicare, availability of other group coverage, or termination for cause. Continuation also does not apply where the group policy is replaced by similar coverage within 31 days.
- Converting at the end of continuation testedWritten application no later than 31 days after termination, without evidence of insurability. The insurer must give notice of the conversion right at least once during the 18 months.
- Minimum loss ratio on a converted policy testedAn anticipated loss ratio of not less than 80%.
- Where federal COBRA takes over testedFederal COBRA applies at 20 or more employees; the Kansas continuation right covers group accident and sickness policies not subject to federal COBRA.
- Definition of a small employer tested"At least two and no more than 50 eligible employees" on at least 50% of working days in the preceding calendar year.
- Medicare supplement open enrollment testedSix months, beginning with Part B enrollment — the Kansas Insurance Department describes it as "a one-time only six-month period."
- Medicare supplement preexisting-condition wait testedSix months maximum.
- Guaranteed-issue application deadline testedNo later than 63 calendar days after the prior coverage ends.
- Does Kansas have a Medicare supplement birthday rule? testedNO — and this is a live trap, because several states have added annual switching windows and study material has drifted. Kansas has no birthday rule and no annual guaranteed-issue window; outside open enrollment and the listed guaranteed-issue events, medical underwriting applies.
- Is the external review decision binding? testedYES — "the decision of the external review organization shall be binding on the insured and the insurer or health insurance plan," subject only to district court review.
- External review decision deadline testedA written decision within 30 business days; an expedited review resolves "not more than 72 hours after the date of receipt of the request."
- Who pays for external review testedNever the insured — "in no event shall the insured be held responsible for any portion of such fee." The commissioner, the insurer, or the plan pays.
- Deadline to request external review testedWithin 120 days of receipt of an adverse decision; the commissioner determines eligibility within 10 business days.
- Has Kansas expanded Medicaid under the ACA? testedNO. Kansas remains a non-expansion state — KanCare eligibility runs on categorical groups (children, pregnant women, blind or disabled persons, persons 65 or older, low-income families with children under 19, SSI recipients) with no ACA adult expansion group.
- Kansas Medicaid program testedKanCare — Kansas's Medicaid program, delivered through managed care.
- How CHIP is delivered testedThrough KanCare rather than under a separate brand — for children under 19 who do not qualify for Medicaid, in families under 250% of the federal poverty level.
- Marketplace type testedKansas uses HealthCare.gov. There is no Kansas state-based exchange.
Auto 23 facts
Kansas is a no-fault state. The PIP benefit schedule and the $2,000 tort threshold are the highest-yield block on the casualty side.
- Fault-based or no-fault testedNO-FAULT, under the Kansas Automobile Injury Reparations Act. Personal injury protection pays an injured person's own costs regardless of fault, with a right to sue only once a threshold is met.
- The memorizable shorthand tested25/50/25 — plus mandatory PIP, which is the part candidates forget.
- Minimum bodily injury liability per person tested$25,000 — "not less than $25,000 because of bodily injury to, or death of, one person in any one accident."
- Minimum bodily injury liability per occurrence tested$50,000 for bodily injury to, or death of, two or more persons in any one accident.
- Minimum property damage liability tested$25,000 "because of harm to or destruction of property of others in any one accident."
- Personal injury protection status testedMANDATORY, and broad — PIP reaches the named insured, resident relatives, operators, passengers and pedestrians struck by the vehicle.
- The six PIP categories, by name tested"Disability benefits, funeral benefits, medical benefits, rehabilitation benefits, substitution benefits and survivors' benefits."
- PIP — medical benefits testedNot less than $4,500.
- PIP — rehabilitation benefits testedNot less than $4,500 — a SEPARATE limit, not part of the medical $4,500. The pair of $4,500s is the classic Kansas trap.
- PIP — disability / loss of income testedNot less than $900 per month, up to one year.
- PIP — substitution (essential services) tested$25 per day, up to 365 days.
- PIP — funeral and burial testedNot to exceed $2,000 per individual.
- PIP — survivors' benefits testedNot less than $900 per month, up to one year after death.
- Tort threshold — when you may sue tested$2,000 in medical treatment, OR any of the listed serious injuries: permanent disfigurement; a fracture to a weight-bearing bone; a compound, comminuted, displaced or compressed fracture; loss of a body member; permanent injury within reasonable medical probability; permanent loss of a bodily function; or death. A modest bill plus a broken weight-bearing bone clears the threshold on the second branch, not the first.
- Uninsured motorist: mandatory or rejectable testedMANDATORY, at limits EQUAL TO the policy's bodily injury liability limits — not merely at the statutory minimum. Underinsured provisions are included.
- Underinsured motorist status testedIncluded within the mandatory UM coverage at the same limits.
- How UM may be rejected testedOnly ABOVE the statutory minimums, and only IN WRITING. The rejection binds every insured under the policy and carries forward to renewals with the same insurer unless higher coverage is later requested in writing. UM cannot be rejected below the minimum.
- Stacking of UM limits testedPROHIBITED — recovery is limited to the highest limits of any single applicable policy, regardless of the number of policies involved.
- Negligence doctrine testedModified comparative negligence — a party recovers "if that party's negligence was less than the causal negligence of the party or parties against whom a claim is made," with the award reduced in proportion to that party's share.
- The bar percentage testedA 50% bar. Because recovery requires fault LESS THAN the defendants' combined fault, a claimant exactly 50% at fault recovers nothing.
- Residual market for auto testedThe Kansas Automobile Insurance Plan (KAIP) — insurers and rating organizations must cooperate in a plan for "the equitable apportionment among insurers of applicants for insurance who, in good faith are entitled to, but are unable to procure such insurance through ordinary methods."
- Getting into the auto plan testedAfter at least three companies have rejected the applicant for personal auto insurance.
- Recent change to the plan's governing boardThe KAIP governing board drops from nine members to five effective 1 January 2026.
CE & Renewal 20 facts
Kansas renews on your birth month AND your birth-year parity, at 18 hours — one of the lighter CE loads in the country.
- How long a license lasts before renewal testedTwo years — a biennial term.
- What the renewal date keys off testedThe last day of your BIRTH MONTH, in each odd year if you were born in an odd-numbered year and each even year if you were born in an even-numbered year. Both halves matter — month and year parity.
- When the renewal window opens tested90 days before the biennial due date.
- Renewal fee tested$4 — among the lowest producer renewal fees in the country.
- CE hours per renewal period tested18 continuing education credits biennially — "each licensed insurance agent shall biennially obtain a minimum of 18 C.E.C.s." Lighter than the 24 common elsewhere. Note the hours are in the STATUTE, not in K.A.R. 40-7-20a.
- Ethics hours required testedAt least three hours of instruction in insurance ethics, "that also may include regulatory compliance," inside the 18.
- Are the remaining hours allocated by line? testedNo — the other 15 hours are at the producer's discretion and need not match the lines held.
- CE if you hold multiple lines testedStill 18 total. Holding both major lines does not double the requirement, because the obligation attaches to the licensee rather than to each line.
- CE for a title-only license testedFour C.E.C.s biennially, in courses certified as title C.E.C.s by the board of abstract examiners under the property and casualty category.
- CE for a crop-only qualification testedTwo C.E.C.s biennially in certified crop courses.
- Lines exempt from CE entirely testedPre-need funeral, bail bond, self-service storage and travel.
- How credit is counted testedOne hour of credit for each hour of instruction.
- The 80% classroom rule testedPermissive, not a bare threshold: "any agent attending at least 80 but less than 100 percent of regularly scheduled classroom sessions for any single course may receive full educational credit."
- Repeating a course testedNo full credit for a subsequent offering of the same course within the same biennial period — for the student or the instructor.
- When courses must be completed tested"Courses must be completed during the biennium to which they are to be applied" — so excess hours do not roll forward.
- Self-study versus classroom testedSelf-study courses require an independently monitored examination; classroom courses do not.
- What happens if CE is not completed testedAn automatic 90-day suspension plus a $100 penalty per license suspended.
- Training that sits outside the 18 hours testedThe one-time four-credit annuity best-interest course required of anyone selling annuities. Producers who already held a life line when the rule took effect on 1 January 2024 had six months to comply.
- Where CE credits are trackedState Based Systems (SBS) at statebasedsystems.com, which also lists approved providers and courses.
- Nonresident CE testedNonresidents are treated as compliant if they are in good standing on their home state's CE, under NAIC uniform reciprocity.
Property 18 facts
Rate filing is mixed rather than plain file-and-use, the FAIR Plan is recent (2017), and surplus lines carries its own license, tax and March 1 deadline.
- Rate regulation system testedMIXED — not simply file-and-use. Every insurer must file its manuals, rating plans, rates and policy forms; most rates then take effect on filing, but personal lines wait 30 days and three categories require prior approval.
- Personal lines waiting period tested"Personal lines rate filings shall be on file for a waiting period of 30 days before becoming effective," subject to disapproval as inadequate, excessive or unfairly discriminatory.
- What requires prior approval testedThree categories only: rate filings for health care provider coverage under K.S.A. 40-3401 et seq., loss costs filings for workers compensation, and rates for assigned risk plans.
- What counts as personal lines for rate filing tested"Insurance for noncommercial automobile, homeowners, dwelling fire-and-renters insurance policies, as defined by the commissioner."
- The credit-scoring statute testedThe Kansas Insurance Score Act — "K.S.A. 40-5101 through 40-5114 … shall be known as the Kansas insurance score act."
- What the Insurance Score Act covers tested"This act shall apply only to personal insurance and not to commercial insurance" — private passenger auto, homeowners, motorcycle, mobile homeowners, non-commercial dwelling fire, boat, personal watercraft, snowmobile and RV.
- Factors an insurance score may not use tested"Income, address, zip code, race, religion, color, sex, disability, national origin, ancestry or marital status of the consumer."
- Credit as the sole basis testedAn insurer may not "refuse to quote, deny, cancel or refuse to renew any policy of personal insurance solely on the basis of credit information," nor base renewal rates solely on it, without considering some other independent underwriting factor.
- No credit card testedAn insurer may not take an adverse action against a consumer solely because the consumer has no credit card account.
- Does Kansas have a FAIR Plan? testedYES — and a surprising amount of study material says otherwise, because the act is recent. "This act shall be known and may be cited as the fair access to insurance requirements plan act, or the FAIR plan act," enacted in 2017.
- What the FAIR Plan is called in practice testedThe Kansas All-Industry Placement Facility — a not-for-profit association of Kansas insurers providing basic property insurance to applicants who cannot obtain it voluntarily.
- FAIR Plan eligibility testedCoverage must have been declined by at least three insurance companies — the same three-declination trigger as the auto plan.
- FAIR Plan policy term tested"All policies shall be issued for a term of one year."
- Dominant catastrophe perilsHail and severe thunderstorm wind above all. Kansas insurers paid $879,074,368.54 on 82,498 claims in 2025 for hail, wind, water damage, fire and other weather-related losses — up from about $442 million in 2023.
- What you must hold to write surplus lines testedAn underlying Kansas property and casualty producer license plus a separate excess and surplus lines license; nonresidents must also hold a surplus lines license in their home state. Fee $50 initial, $50 renewal.
- Is a diligent-effort search required first? testedYes — a diligent effort to place the risk in the admitted market must come first.
- Surplus lines premium tax tested3% of gross premiums less return premiums, "commencing with the taxable year beginning January 1, 2024." The 6% figure that appears in subsection (a)(1) is superseded — a common source of stale study material.
- Surplus lines filing and fees testedAffidavit and tax due on or before March 1 each year, plus a SLIP+ transaction fee of 0.175% of gross premiums. The Department states there is no late renewal and no grace period.
Guaranty 15 facts
Two associations, two shapes — and the workers' compensation carve-out on the P&C side is asked about more often than the cap itself.
- Life & health guaranty association testedThe Kansas Life and Health Insurance Guaranty Association.
- Where the L&H limits are set testedK.S.A. 40-3008(q)(2) — cite the subsection, not just the article.
- Life death benefit limit tested$300,000 in death benefits.
- Life cash surrender / withdrawal limit tested$100,000 in net cash surrender and withdrawal values.
- Annuity limit tested$250,000 in present value, including net cash surrender and withdrawal values — NOT the $300,000 several states use. Structured settlement annuities are also $250,000 per payee.
- Health benefit plan limit tested$500,000 for a health benefit plan — hospital, medical and surgical.
- Disability income and long-term care limits tested$300,000 each.
- Other health insurance limit tested$100,000.
- Aggregate per-individual cap tested$300,000 per individual life regardless of the number of policies — with health benefit plans stepping outside that to their own $500,000.
- Does Kansas follow the NAIC model limits?Broadly yes, with tiered health limits — but note the annuity figure sits at $250,000 rather than $300,000.
- P&C guaranty association testedThe Kansas Insurance Guaranty Association, administered by Western Guaranty Fund Services.
- P&C limit per covered claim tested$300,000 maximum per covered claim.
- The workers' compensation exception testedNo cap at all — the association "shall pay the full amount of any covered claim arising out of a workmen's compensation policy." This carve-out is tested far more often than the $300,000 cap.
- Cyber claimsCapped at $300,000 for all first- and third-party claims under a policy or endorsement arising out of a single insured event.
- Using the association as a sales inducement testedPROHIBITED — but the prohibition lives in a regulation, not a statute. The required policyholder disclaimer states that "the insurance company and agent are prohibited by law from using the existence of the Kansas life and health insurance guaranty association or its coverage to sell an insurance policy or contract," and that a holder "should not rely on coverage from" the association when selecting an insurer. There is no currently in-force K.S.A. section carrying this prohibition.
Workers Comp 13 facts
Kansas sets its exemption by PAYROLL, not headcount — $20,000 gross annually, with family wages excluded from the count.
- Is workers' compensation mandatory? testedYes, for every employer — Kansas sets no employee-count threshold at all.
- The exemption testedA gross annual payroll of $20,000 or less for all employees, private employers only. Most states set a headcount; Kansas sets a dollar figure.
- What comes out of the payroll calculation testedWages paid to a family member by marriage or consanguinity are EXCLUDED — which can drop a small family business under the line even where the raw payroll would not.
- Agency administering workers' compensationThe Workers Compensation Division of the Kansas Department of Labor. Note Kansas omits the apostrophe in the division's name.
- How an employer may comply testedThree ways: insure with a carrier authorized to write workers compensation in Kansas; show the director the employer is a qualified self-insurer with proof of financial ability; or maintain membership in a qualified group-funded workers compensation pool.
- Who pays for coverage tested"The cost of carrying such insurance or risk shall be paid by the employer and not the employee."
- Notice to the employer tested30 calendar days from the accident or from injury by repetitive trauma — or 20 calendar days after the last day of actual work if the worker is no longer employed.
- Deadline to file testedAn application for hearing within three years of the accident or two years of the last payment of compensation, whichever is later. (K.S.A. 44-520a, the old limitations section, was repealed in 2011.)
- Temporary total disability rate tested66⅔% of the average gross weekly wage, not less than $50 per week.
- Waiting period testedOne week, reimbursed if the disability lasts three weeks.
- Benefit caps$225,000 temporary total; $400,000 permanent total; $500,000 death.
- Funeral benefitUp to $10,000.
- A physician the worker choosesThe employer's liability for a self-selected physician is limited to $800.
Regulator 15 facts
Kansas is on the minority side of the country's biggest structural split: it ELECTS its Commissioner of Insurance.
- Name of the state insurance regulator testedThe Kansas Department of Insurance — note the word order; "Kansas Insurance Department" is a common miswrite.
- Title of the person who heads it testedCommissioner of Insurance, "charged with the administration of all laws relating to insurance, insurance companies and fraternal benefit societies doing business in this state."
- How the commissioner takes office testedELECTED. K.S.A. 25-101 lists "state commissioner of insurance" among the officers chosen at the general election held "on the Tuesday succeeding the first Monday in November of each even-numbered year," for a four-year term. An item that has the Kansas commissioner appointed by the governor is a distractor.
- Where the insurance law is codified testedChapter 40 of the Kansas Statutes Annotated, with regulations in Agency 40 of the Kansas Administrative Regulations.
- Where producer licensing sits testedChapter 40, Article 49 — the insurance agents article. Not Article 42.
- The statutory vocabulary testedKansas law says "insurance agent" throughout Article 49; the Department's own web copy says "producer." Both refer to the same license.
- Is the regulator structured unusually?No — a conventional insurance department, but headed by an elected rather than appointed commissioner.
- Licensing penalties testedUp to $500 per violation, capped at $2,500 for the same violation within any six consecutive months — rising to $1,000 and $5,000 where the licensee knew or should have known.
- Trade-practice penalties testedAfter a cease-and-desist order: $1,000 per act up to $10,000 aggregate; for knowing and wilful violations, $5,000 per act up to $50,000 in any six-month period.
- Two different response clocks testedFailing to respond to a Department inquiry within 14 DAYS is an enumerated unfair trade practice (K.S.A. 40-2404(10)); failing to respond within 15 BUSINESS DAYS is separately a ground for licence action (K.S.A. 40-4909). Different statutes, different units, both live.
- Unfair trade practices testedSixteen enumerated categories — misrepresentation and false advertising, false information and advertising generally, defamation, boycott/coercion/intimidation, false statements and entries, stock operations, unfair discrimination, rebates, unfair claim settlement practices, failure to respond to Department inquiries, failure to maintain complaint procedures, misrepresentation in applications, statutory violations, adverse underwriting disclosure failures, title insurance rebates, and nonpublic information disclosure.
- Unfair claim settlement practices testedFourteen enumerated practices, (a) through (n) — actionable only where "committed flagrantly and in conscious disregard" of the provisions or "with such frequency as to indicate a general business practice."
- Commissions to the unlicensed testedProhibited both ways — insurers and agents may not pay them, and unlicensed persons may not accept them. Renewal commissions may still be paid to a previously licensed individual.
- Non-commission compensation testedPermitted, but it must rest on a written agreement specifying the amount.
- Countersignature requirementNone generally. The only countersignature provision in Chapter 40 is limited to joint underwriting groups where more than one insurer is on direct liability.
Cancellation 12 facts
The highest-value correction in Kansas: the 30-day cancellation notice is in a REGULATION, not in K.S.A. 40-277.
- Cancellation notice — personal auto and property tested30 days' written notice. Fire and casualty contracts must provide that "the insured will be notified in writing at least 30 days in advance of the effective date of cancellation."
- What the 30-day regulation excludes testedCancellation for nonpayment of premium, plus accident and health policies and crop-hail.
- Where the 30 days is NOT testedK.S.A. 40-277 contains NO notice period at all — it sets only the permitted grounds and the 60-day window. Almost every Kansas study aid miscites it. K.S.A. 40-279 and 40-280 were repealed in 1981.
- Initial window for freer cancellation tested60 days. After a personal auto policy has been in effect 60 days, or immediately on renewal, it may be cancelled only for the enumerated grounds.
- Grounds to cancel personal auto testedNonpayment; fraudulent misrepresentation in obtaining the policy; violation of policy terms; licence suspension or revocation; epilepsy or a heart condition without physician certification; or specified convictions.
- The conviction lookback testedWithin 36 months: a felony, negligent homicide or assault by vehicle, DUI, hit-and-run, vehicle theft, a false licence application — or three moving violations within 18 months.
- Nonrenewal notice testedAt least 30 days' written notice to the named insured at the last known address. Statute for nonrenewal, regulation for cancellation — an odd split Kansas exam writers like.
- Getting the reason in writing testedThe insurer must furnish it within 10 days after receiving a written request.
- The 10-day nonpayment figureThe Department's consumer guidance gives 10 days for nonpayment and 30 days before expiry for property nonrenewal — but these reflect standard policy language rather than a Kansas statute or regulation. The regulation expressly carves nonpayment out.
- Commercial risks are different testedProperty or casualty coverage "used primarily for business or professional needs" gets 60 days' written notice of nonrenewal or substitution — double the personal figure.
- The most common miscite testedK.S.A. 40-2,112 governs ADVERSE UNDERWRITING DECISIONS — written reasons and refund of unearned premium — not cancellation. It is frequently cited for cancellation and should not be.
- The producer-facing notice duty testedOn cancelling for a reason other than nonpayment, or declining to renew, the insurer "shall notify the named insured of his possible eligibility for such coverage through the Kansas automobile insurance plan." The notice travels with the cancellation notice; it is not optional.
Licensing 28 facts
No pre-licensing course, a test-center-only Pearson VUE exam in two separately scored sections, and an application fee the Commissioner re-sets every year.
- Exam-based license lines testedOne Kansas insurance agent licence listing any of: Life · Accident and Health or Sickness · Property and Allied Lines · Casualty and Allied Lines · Personal Lines · Crop · Title — plus separate excess and surplus lines and public adjuster credentials.
- Is P&C combined or split? testedBOTH. Kansas offers Property and Allied Lines and Casualty and Allied Lines as individual exams AND a combined Property/Casualty exam, plus the narrower Personal Lines line.
- Standalone life exam? testedYes — exam 12-KS-01, 84 scored questions plus 11 pretest, 1 hr 30 min.
- Standalone health exam? testedYes — Accident and Health or Sickness, exam 12-KS-02, 84 scored plus 11 pretest, 1 hr 30 min.
- Combined life + health exam? testedYes — exam 12-KS-05, 140 scored plus 14 pretest, 2 hr 30 min.
- Personal lines exam? testedYes — exam 12-KS-55, 100 scored plus 5 pretest, 1 hr 30 min.
- Property, casualty and combined exam codes testedProperty and Allied Lines is 12-KS-03 and Casualty and Allied Lines is 12-KS-04 (84 scored plus 5 pretest each, 1 hr 30 min); the combined Property & Casualty exam is 12-KS-06 (140 scored plus 14 pretest, 2 hr 30 min).
- Does the life licence cover annuities? testedYes. Variable contracts require the Life line plus active FINRA registration, with no separate Kansas exam.
- Does P&C include personal lines authority? testedYes — a full property and casualty authority covers personal-lines risks; the Personal Lines line is a narrower subset for producers who do not want the full authority.
- Exam administrator testedPearson VUE, at a physical test center only. Kansas does NOT offer OnVUE remote proctoring — any material describing a remote attempt is out of date.
- How the exam is scored testedEvery Kansas exam has two sections — a national section and a Kansas state section — and you must score 70% on EACH. They are not averaged, so a strong national score cannot rescue a weak state section.
- Passing score tested70% on each of the two sections.
- Exam fee tested$64 for a major-line combination exam; $57 for a single or limited-line exam. Sitting two singles instead of the combination costs $114.
- How long a passing score lasts testedTwo years — "examination test scores are valid for two years," and the Department says the same.
- Retake rules tested"Candidates who fail the examination must wait at least seven calendar days before retaking the examination." There is no limit on the number of attempts.
- Identification at the test center testedTWO forms of current signature identification. The primary must be government-issued and photo-bearing with a signature; the secondary must carry a valid signature.
- Arrival time testedAt least 30 minutes before the examination begins, to complete registration.
- Reschedule or cancel deadline testedAt least 48 hours before the examination, by telephone to Pearson VUE.
- Is pre-licensing education required? testedNO — "Kansas does not have a pre-licensing education requirement." Candidates study the content outlines and sit the exam directly. Kansas is one of the roughly thirty states with no course requirement.
- Minimum age tested18.
- Where you apply testedNIPR (nipr.com).
- Application fee tested$10 for 2026 — charged per application, not per line. The Commissioner re-sets the fee annually and publishes it in the Kansas Register; it was $15 in 2025, and the statutory ceiling is $30. The $30 that appears in some material is the CAP, not the fee, and NIPR's $170 line is the reapplication total ($10 + $60 + $100 reinstatement).
- Background check testedFingerprints and a state and federal criminal-history check are required, with a $60 background-check fee paid to the Department through NIPR.
- Who captures the prints testedCapture is free at the Kansas Department of Insurance in Topeka or at a Department for Children and Families office, or $20 at a Pearson VUE test center. Results are reported to the Kansas Department of Insurance — the ORI belongs to the Department, not to the KBI.
- How long fingerprint results stay usable testedSix months, per the Kansas Department of Insurance. Note the candidate handbook's 365-day figure is inconsistent with the Department's own instruction — follow the Department.
- Appointment fees tested$2 to appoint a producer for a Kansas-organized company, $5 for an out-of-state one — one-time and non-recurrent. The ANNUAL appointment renewal was ELIMINATED effective 1 July 2025; appointments now remain active until electronically terminated. Any material describing yearly Kansas appointment renewals is out of date.
- Moving to Kansas testedApply within 90 days of establishing legal residence and the exam is waived for lines already held in the former home state.
- The current candidate handbookThe Pearson VUE Kansas Insurance Licensing Candidate Handbook, revision 07/2026 — the source for question counts, time limits, ID rules and retake policy.