Getting your Life & Health insurance license in Kansas
Kansas lets you cover both sides of life and health with a single combined exam: the Life & Accident and Health Producer exam. Passing it gives you the authority to sell life insurance, annuities, disability income, medical expense, Medicare supplement, and long-term care products. (If you only want one line, Kansas also offers stand-alone Life and Accident & Health exams of 84 scored questions each.)
Kansas asks for no pre-licensing course hours, so your readiness rides entirely on how you prepare. The exam is a flat $67, and a couple of Kansas-specific steps - a tax clearance and fingerprinting - round out the process.
One combined exam
The combined Life & Accident and Health Producer exam carries 140 scored questions plus 14 unscored pretest questions (154 delivered), with a 2-hour-30-minute time limit.
It's a single sitting - no separate Life and Health tests to schedule. The exam fee is $67 (the major-line combination rate; single-line exams are $54).
What the Life & Health exam covers
National life content (about 50 questions): types of policies (whole life, universal/variable/indexed, term, annuities, combination plans); life provisions, riders, options and exclusions; completing the application, underwriting, and delivery; and retirement and other concepts including group life, qualified plans, and tax treatment.
National health content (about 50 questions): types of policies (disability income, medical expense, HMO/PPO/POS, HSAs/HRAs, Medicare supplement, LTC); policy provisions, clauses and riders; social insurance (Medicare, Medicaid, Social Security); other concepts; and field underwriting.
Kansas law (about 40 questions): a common block on the Commissioner of Insurance, definitions, licensing, marketing practices, and the Life & Health Insurance Guaranty Association Act; plus Life-only material (replacement, policy rights, accelerated benefits, viaticals, annuity suitability) and Health-only material (required coverages, Medicare supplement, long-term care, ACA).
How the exam is scored
The exam has two kinds of content: a national (general knowledge) portion on insurance products and concepts, and a Kansas portion on KID authority, licensing, marketing practices, and Kansas statutes.
You need 70% to pass. Plan to be strong on both halves - the national material is the largest scored share, but the Kansas state law section carries real weight. Unscored pretest questions are mixed in and do not affect your result.
You finish with a pass/fail score report. A fail report gives you a numeric score and diagnostic feedback plus re-exam information; Kansas requires a 7-day wait before you can re-test.
Kansas requirements at a glance
To be licensed as a resident producer in Kansas you must pass the appropriate exam, submit the NAIC Uniform Application for Individual Insurance Producer License through NIPR, clear a fingerprint-based background check, and obtain a Certificate of Tax Clearance from the Kansas Department of Revenue.
Kansas requires no pre-licensing education - you can sit for the exam without any approved course. The application also asks for a continuous 5-year employment history.
Fingerprinting & background check
First-time applicants must complete a fingerprint-based state and federal background check through the Kansas Bureau of Investigation using KBI code KS920161Z. The fee is about $60.
You can be printed several ways: at a Pearson VUE test center (Overland Park, Topeka, or Wichita), at participating DCF or local law-enforcement locations, or by mailing a completed fingerprint card with the required waiver forms to KID Producer Licensing.
Your path to the Kansas Life & Health license
1. Prepare. No course is required, but plan to study both the national products material and the Kansas state laws.
2. Submit the NAIC Uniform Application for Individual Insurance Producer License through NIPR (you may apply before testing) and pay the $10 fee.
3. Schedule the Life & Accident and Health Producer exam with Pearson VUE (pearsonvue.com or 888-204-6255). Choose a test center or one OnVUE online attempt. Pay $67.
4. Pass the exam at 70%.
5. Complete fingerprinting through the KBI (code KS920161Z, about $60).
6. Obtain your Certificate of Tax Clearance from the Kansas Department of Revenue.
7. Once everything clears, KID issues your license. Get appointed by a carrier to start writing business.
Keeping your Kansas license active
Kansas runs a 2-year renewal cycle. Your due date is the last day of your birth month - in even years if you were born in an even year, odd years if you were born in an odd year - and you can renew up to 90 days early through NIPR.
You owe 18 CE hours per cycle, including 3 hours of ethics; the other 15 are your choice among KID-approved courses. Excess hours don't carry forward. The biennial renewal fee is just $4.
Before you can place business, at least one carrier must appoint you through NIPR / the Producer Database.
If you plan to sell annuities, complete the one-time 4-hour annuity suitability training course before you do - life producers can't sell annuities until it's done.
Prep built for the Kansas Life & Health exam
Because Kansas requires no pre-licensing, your score rides entirely on how well you prepare. TESTivity's Life & Health package pairs plain-English video courses with mind maps, audio textbooks, and full-length Kansas-style exam simulators so both the national and Kansas-law content feel familiar on test day.
Drill in Test mode until you're clearing 80%+ consistently - especially on the Kansas statute material that trips up a lot of candidates - then walk in confident.
Quick Reference
Official Links
Don't study generic. Study Kansas.
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