Kansas Life and Health Insurance Agent Exam
Need of a License: An individual who is acting as an agent or producer needs a license to sell life and health insurance in Kansas.Who Grants a License: Licenses are granted by the Kansas Insurance Department.
Qualifications to receive a License: Individuals who wish to obtain an insurance license in the State of Kansas must:
1. Be at least eighteen (18) years of age.
2. Be a resident of the state of Kansas.
3. Apply for a license.
4. Make a reservation and pay the fee.
5. Pass the examination.
Applying for the Producer Exam: It is highly recommended that the Kansas Insurance Licensing Candidate Handbook be reviewed, and special attention be given to the content outlines (available at www.pearsonvue.com), before taking an examination.
The State of Kansas utilizes Pearson VUE to develop and administer its insurance licensing examination program. Pearson VUE is a leading provider of assessment services to regulatory agencies and national associations. Online reservations are the most efficient way for candidates to schedule their examination. Candidates must go to www.home.pearsonvue.com/ks/insurance to make an online reservation for an examination. Candidates may call (888) 204-6255 to make an exam reservation by phone.
Test Information: When candidates complete the examination, they will receive a score report marked Candidates who pass the examination will receive a score report that includes information on how to apply for a license. Candidates who fail the examination will receive a score report that includes a numeric score and diagnostic information relating to the general portion of the examination, as well as information about reexamination.
Each examination is based on a detailed content outline of topics, subtopics, and references to applicable state laws, statutes and regulations. The Kansas Insurance Licensing Candidate Handbook contains specific content information beyond the following general outlines:
KANSAS LIFE – PRODUCER CONTENT (84 scoreable questions plus 16 pretest questions)
I. TYPES OF POLICIES (12)
A. Traditional whole life products
B. Interest/market-sensitive life products
C. Term life
D. Annuities
E. Combination plans and variations
II. POLICY RIDERS, PROVISIONS, OPTIONS, AND EXCLUSIONS (19)
A. Policy riders
B. Policy provisions and options
C. Policy exclusions
III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICY (11)
A. Completing the application
B. Underwriting
C. Delivering the policy
IV. TAXES, RETIREMENT, AND OTHER INSURANCE CONCEPTS (8)
A. Third-party ownership
B. Group life insurance
C. Retirement plans
D. Life insurance needs analysis/suitability
E. Social Security benefits and taxes
F. Tax treatment of insurance premiums, proceeds, and dividends
V. KANSAS STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, HEALTH, PROPERTY, AND CASUALTY INSURANCE (20)
A. Commissioner of Insurance
B. Definitions
C. Licensing
D. Marketing practices
E. Life and Health Insurance Guaranty Association Act
VI. KANSAS STATUTES, RULES, AND REGULATIONS PERTINENT TO LIFE INSURANCE ONLY (14)
A. Policy replacement
B. Individual and group life provisions and rights
C. Protection of beneficiaries from creditors
D. Accelerated benefits
E. Policy loans
F. Advertising
G. Viatical Settlement
H. Annuities
KANSAS ACCIDENT & HEALTH PRODUCER CONTENT (84 scoreable questions plus 16 pretest questions)
I. TYPES OF POLICIES (14)
A. Disability income
B. Accidental death and dismemberment
C. Medical expense insurance
D. Medicare supplement policies
E. Group insurance
F. Long Term Care (LTC)
G. Limited Benefit Plans
II. POLICY PROVISIONS, CLAUSES, AND RIDERS (20)
A. Mandatory provisions
B. Optional provisions
C. Other provisions and clauses
D. Riders
E. Rights of renewability
III. SOCIAL INSURANCE (3)
A. Medicare
B. Medicaid
C. Social Security benefits
IV. OTHER INSURANCE CONCEPTS (4)
A. Total, partial, and residual disability
B. Owner’s rights
C. Dependent children benefits
D. Primary and contingent beneficiaries
E. Modes of premium payments
F. Nonduplication and coordination of benefits
G. Occupational vs. non-occupational
H. Tax treatment of premiums and proceeds of insurance contracts
I. Managed care
J. Workers Compensation
K. Subrogation
V. FIELD UNDERWRITING PROCEDURES (9)
A. Completing application and obtaining necessary signatures
B. Explaining sources of insurability information
C. Initial premium payment and receipt and consequences of the receipt
D. Submitting application (and initial premium if collected) to company for underwriting
E. Ensuring delivery of policy and related documents to client
F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
G. Replacement
H. Contract law
VI. KANSAS STATUTES, RULES AND REGULATIONS COMMON TO LIFE, HEALTH, PROPERTY, AND CASUALTY INSURANCE (20)
A. Commissioner of Insurance
B. Definitions
C. Licensing
D. Marketing practices
E. Life and Health Insurance Guaranty
VII. KANSAS STATUTES, RULES, AND REGULATIONS PERTINENT TO HEALTH INSURANCE ONLY (14)
A. Individual/Group accident and health policy clauses and provisions
B. Group accident and health insurance only
C. Blanket insurance
D. Medicare Supplement insurance
E. Long-Term Care
F. Advertising
How to Apply for the License: Apply online via the Kansas Insurance website or submit the Uniform Application for Resident Individual License, found in the back of the Candidate Handbook, along with the $30 application fee, to the Kansas Insurance Department. Candidates may apply in advance of actually taking the exam.
State Licensing Information:
Kansas Insurance Department
Producers Division
420 S.W. Ninth Street
Topeka, KS 66612-1678
Phone: (785) 296-7862
Fax: (785) 368-7019
[email protected]
https://insurance.kansas.gov
Pearson VUE Licensing Information:
Pearson VUE
Kansas Insurance
Attn: Regulatory Program
5601 Green Valley Dr.
Bloomington, MN 55437
888-204-6256
License Renewal Requirements: Individual Producer licenses must be renewed every two years and there is a continuing education requirement.
Applicable Regulations: Life and health insurance agents in Kansas are regulated by the Kansas Insurance Department.
For more information on life and health insurance agent licensing and exam preparation, go to Tests.com’s Life and Health Insurance Exam Guide.
And take Tests.com’s free Life and Health Insurance Agent Practice Test.
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