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Life and Health Insurance Producer Exam

Licensing (KY): practice questions

Our Life & Health Insurance bank has 10 questions on this topic. Here are 4 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Kentucky

What score must an applicant reach to pass a Kentucky agent licensing examination?

  1. 70 percent of the questions answered correctly
  2. 80 percent on the state portion and 65 percent overall
  3. 75 percent of the questions answered correctly
  4. A scaled score set by the testing vendor each year
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A. 70 percent of the questions answered correctly — 806 KAR 9:025, Section 2(5).

Question 2 · Kentucky

What is the minimum age to be approved for a Kentucky individual agent license?

  1. 21 years
  2. 16 years with a parent's consent
  3. 18 years
  4. 19 years, or 18 if a high school graduate
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C. 18 years — KRS 304.9-105(1)(a).

Question 3 · Kentucky

A licensed agent from another state moves to Kentucky. When is the agent exempt from Kentucky's prelicensing education and exam for lines held in the old state?

  1. Never; every new Kentucky resident must take the full prelicensing course and the examination
  2. Only if the agent has held the old license for at least five years and then passes a short state-law test
  3. If licensed there within the last 12 months and applying within 90 days of becoming a Kentucky resident
  4. Only if the old state and Kentucky have signed a written agreement covering that particular agent
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C. If licensed there within the last 12 months and applying within 90 days of becoming a Kentucky resident — KRS 304.9-170(5).

Question 4 · Kentucky

A resident agent shows financial responsibility with an errors-and-omissions policy. What minimum limits does KRS 304.9-105 require?

  1. $1 million per claim and $2 million in the aggregate, matching the federal standards for agents
  2. $5,000 per occurrence, with no aggregate limit required
  3. $20,000 per occurrence and $100,000 in aggregate for all occurrences in one year
  4. $50,000 per occurrence and $250,000 aggregate, renewed every two years
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C. $20,000 per occurrence and $100,000 in aggregate for all occurrences in one year — KRS 304.9-105(1)(f)1.

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