{"data":{"id":"us-ky/krs-304.9-295","jurisdiction":"us-ky","citation":"KRS 304.9-295","heading":"Biennial continuing education requirements for licensed agents and","body":"independent and public adjusters -- Exceptions -- Courses -- Number of hours\n-- Failure to complete -- Penalty.\n(1) This section shall apply to individuals who hold licenses  or lines of authority\nrequiring continuing education each biennium.\n(2) The continuing education biennial compliance date for an individual resident\nlicensee shall be as follows:\n(a) A licensee whose birth date is in an even -numbered year shall satisfy\ncontinuing education requirements on or before the last day of the licensee's\nbirth month in the even -numbered year. A licensee shall show proof of\ncompliance to the commissioner within sixty (60) days after the continuing\neducation biennial compliance date. If the licensee has not held the license for\none (1) year, the compliance date is adjusted to the next even -numbered year\nand each subsequent even -numbered year thereafter. If the license becomes\ninactive and reissued within a twelve (12) month period, th e compliance date\nshall remain the same; and\n(b) A licensee whose birth date is in an odd -numbered year shall satisfy\ncontinuing education requirements and show proof of compliance to the\ncommissioner on or before the last day of the licensee's birth month  in the\nodd-numbered year. A licensee shall show proof of compliance to the\ncommissioner within sixty (60) days after the continuing education biennial\ncompliance date. If the licensee has not held the license for one (1) year, the\ncompliance date is adjus ted to the next odd -numbered year and each\nsubsequent odd-numbered year thereafter. If the license becomes inactive and\nreissued within a twelve (12) month period, the compliance date shall remain\nthe same.\n(3) This section shall not apply to:\n(a) Limited lines of authority under agent licenses, as exempted by the\ncommissioner in accordance with KRS 304.9-230;\n(b) Licensees not licensed for one (1) full year prior to the end of the applicable\ncontinuing education biennium;\n(c) Licensees holding nonresident licenses who have met the continuing\neducation requirements of their home state and whose home state gives credit\nto Kentucky resident licensees on the same basis; or\n(d) Licensees maintaining their licenses for the sole purpose of receiving\nrenewals or de ferred commissions and providing the department with a\nsupporting affidavit.\n(4) A licensee, who holds an agent license and who is not exempt under subsection (3)\nof this section, shall satisfactorily complete a minimum of twenty-four (24) hours of\ncontinuing education courses, of which three (3) hours shall have a course\nconcentration in ethics, during each continuing education biennium.\n(5) (a) An individual who holds an independent or public adjuster license, including\na nonresident independent or public adjuster that designates Kentucky as his\nor her home state, and who is not exempt under KRS 304.9 -430(10), shall\nsatisfactorily complete a mini mum of twenty -four (24) hours of continuing\neducation courses, of which three (3) hours shall have a course concentration\nin ethics in accordance with subsection (4) of this section.\n(b) Continuing education hours shall be reported to the commissioner on a\nbiennial basis in conjunction with the licensee's renewal in accordance with\nsubsection (10) of this section.\n(6) (a) Only continuing education courses approved by the commissioner shall be\nused to satisfy the continuing education requirements of this se ction and any\nother continuing education requirement of this chapter.\n(b) The continuing education courses which meet the commissioner's standards\nfor continuing education requirements are:\n1. Any part of the Life Underwriter Training Council life course\ncurriculum;\n2. Any part of the Health Underwriter Training Council health course\ncurriculum;\n3. Any part of the American College Chartered Life Underwriter diploma\ncurriculum;\n4. Any part of the American Institute for Property and Liability\nUnderwriters' ch artered property and casualty underwriter profession\ndesignation program;\n5. Any part of the Insurance Institute of America's programs;\n6. Any part of the certified insurance counselor program;\n7. Any insurance related course taught at an accredited colleg e or\nuniversity, if the course is approved by the commissioner;\n8. Any course of instruction or seminar developed or sponsored by any\nauthorized insurer, recognized agent association, recognized insurance\ntrade association, or any independent program of in struction, if\napproved by the commissioner;\n9. Any correspondence course approved by the commissioner; and\n10. Any course in accordance with provisions of reciprocal agreements the\ncommissioner enters with other states.\n(c) 1. The commissioner shall prescr ibe the number of hours of continuing\neducation credit for each continuing education course approved in\naccordance with this subsection.\n2. Continuing education courses submitted in accordance with a reciprocal\nagreement shall be approved according to the provisions of the\nreciprocal agreement.\n(d) If a continuing education course requires successful completion of a written\nexamination, no continuing education credit shall be given to licensees who\ndo not successfully complete the written examination.\n(e) The fee for filing continuing education courses for approval by the\ncommissioner shall be as specified in Subtitle 4 of KRS Chapter 304.\n(f) For continuing education courses of reciprocal states, continuing education\nproviders shall be approved in accordanc e with the provisions of the\nreciprocal agreements.\n(7) An individual teaching any continuing education course approved by the\ncommissioner shall qualify for the same number of hours of continuing education\ncredit as would be granted to a licensee taking a nd satisfactorily completing the\ncourse.\n(8) Excess credit hours accumulated during any continuing education biennium may be\ncarried forward. The commissioner may, by administrative regulation, limit the\nnumber of hours carried forward.\n(9) (a) For good ca use shown, the commissioner may grant an extension of time\nduring which the continuing education requirement of subsection (2) of this\nsection may be completed, but the extension of time shall not exceed two (2)\nyears.\n(b) What constitutes good cause for t he extension of time rests within the\ndiscretion of the commissioner.\n(10) (a) Every licensee subject to this section shall furnish to the commissioner written\ncertification as to the continuing education courses satisfactorily completed by\nthe licensee.\n(b) The certification shall:\n1. Be signed by or on behalf of the provider sponsoring the continuing\neducation course; and\n2. Contain an attestation signed by the licensee.\n(c) The certification shall be on a form prescribed by the commissioner.\n(d) A licen see is responsible for ensuring that a certification submitted by the\nlicensee under this subsection:\n1. Contains the correct license identification number; and\n2. Is applied to the licensee's license record.\n(11) (a) The provider shall furnish to the comm issioner certification as to the\ncontinuing education courses satisfactorily completed by each licensee.\n(b) The certification shall be signed or authenticated by or on behalf of the\nprovider sponsoring the continuing education course.\n(c) The certificatio n shall be on a form or in a format prescribed by the\ncommissioner.\n(12) The license or line of authority requiring continuing education shall expire if the\nindividual holding the license or line of authority:\n(a) Fails to comply with the continuing education requirement; and\n(b) Has not been granted an extension of time to comply in accordance with\nsubsection (9) of this section.\n(13) If an individual submits to the commissioner a false or fraudulent certification of\ncompliance with a continuing education requirement, the commissioner shall, in\naccordance with KRS 304.9 -440, suspend or revoke the license of the individual,\nimpose a civil penalty, or both.\n(14) (a) The commissioner may withdraw approval of a continuing education\nprovider, course, or instructor for good and just cause.\n(b) In addition to or in lieu of withdrawal of approval, the commissioner may\nimpose a civil penalty of not more than one thousand dollars ($1,000) per\nviolation of this chapter by a provider or an instructor.","path":[],"source_url":"https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=57336","current_through":"Includes enactments through the 2026 Regular Session","vintage":"09/05/2026","retrieved_at":"2026-09-05T20:57:40Z","sha256":"9c03536b7432e19993dc1c92018e9f6a6a815fe865449f74be6427d16f5c3198","source_id":"us-ky","stale":false,"prev":"us-ky/krs-304.9-290","next":"us-ky/krs-304.9-300"},"notice":"GroundRules: Original legal text. Not legal advice."}