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Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states.

How many questions are included in the practice tests?

We offer over 800 practice questions - 240 for Life, 240 for Health, and 330 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

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No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

A modified premium whole life policy is structured so that premiums are:

Lower during the early policy years and higher in later years

Determined each year by the policyowner

Paid entirely in a single lump sum

Level for the entire premium-paying period

An insured converts a convertible term policy to permanent coverage. Which statement is correct?

No evidence of insurability is required, and the permanent premium reflects the conversion basis used

The new premium is always based on the insured's age when the term policy was first issued

The conversion may be denied if the insured's health has declined

The insured must submit to a new medical examination

Which feature is characteristic of a joint life, or first-to-die, policy?

One death benefit is paid when the first of the covered insureds dies

The benefit is paid only after both insureds have died

A separate death benefit is paid for each insured

Coverage automatically terminates when either insured turns 65

Which annuity settlement option produces the largest monthly income from a given amount of accumulated value?

Straight life, also called pure life

Life with 20-year period certain

An annuitant selects a life with 10-year period certain option and dies in the sixth year. What happens?

The beneficiary receives payments for the remaining four years

The beneficiary receives a refund of all payments already made

The beneficiary receives payments for another 10 years

A cash refund annuity provides that if the annuitant dies before receiving payments equal to the amount paid into the contract:

The beneficiary receives the unrecovered balance in a lump sum

The contract converts to a life policy

Payments continue to the beneficiary for life

Under a joint and two-thirds survivor annuity, what happens after the first annuitant dies?

The survivor receives two-thirds of the original joint payment for life

The survivor receives double the original payment

The survivor receives a lump sum equal to the account value

What is the fundamental difference between an immediate annuity and a deferred annuity?

The immediate annuity begins income payments within about one payment period of purchase, while a deferred annuity accumulates first

The immediate annuity has no annuitant

Only the immediate annuity may be a variable contract

Only the deferred annuity may be funded with a single premium

Before recommending that a client purchase or replace an annuity, a producer's suitability obligation requires that the producer:

Gather information on the client's financial situation, objectives, and needs and have reasonable grounds for the recommendation

Obtain approval from the client's attorney

Rely only on the client's stated interest in a product

Recommend the product paying the highest commission

An indexed annuity differs from a traditional fixed annuity primarily because:

Its credited interest is tied to the performance of an external market index, subject to a floor and limiting features

It offers no minimum guarantee of any kind

It is always registered as a security with the SEC

It cannot provide lifetime income payments

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Kentucky Life Insurance Practice Exam Free - 2026

The Kentucky Department of Insurance oversees licensing across the Commonwealth. Louisville, Lexington, or anywhere between - take free mock exams here and review every miss until your score is solid. Access 240+ free Life Insurance questions with detailed explanations.

240+ Questions

Unlimited Practice

Kentucky Specific

How the Kentucky Life Insurance exam compares

The Kentucky Life exam is 150 questions, 190 minutes, a 70% cut score. The examination fee is $50 per exam.

Kentucky administers its own licensing exams through the Department of Insurance rather than contracting a national vendor, so scheduling and score reporting work differently from most states.

It is one of the longer Life exams in the country; the typical Life exam runs about 96 questions.

Kentucky requires 20 hours of prelicensing education before you can take the exam.

Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL. Last updated July 29, 2026

Figures above are taken from Kentucky DOI Testing Sites/Schedules page + 806 KAR 9:025 (Licensing process) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Kentucky Life Exam Info

Vendor: Kentucky Department of Insurance (self-administered at DOI testing sites)
Questions: 150 questions (DOI page: 'Each exam is 150 questions, that requires 190 minutes to complete')
Time limit: 190 minutes
Passing: 70% correct required (806 KAR 9:025)
Exam fee: $50 per exam (and $50 per retake)
Prelicensing: 20 hours per line of authority (806 KAR 9:025: 40 hrs for life and health, 40 hrs for property and casualty, or 20 hrs per single line); course valid 1 year

Verified July 2026 from the Kentucky DOI Testing Sites/Schedules page + 806 KAR 9:025 (Licensing process). Always confirm with the current official candidate handbook.

Kentucky Department of Insurance

More Kentucky Tests

Study Tip

Study the explanation, not the answer. The real exam words questions differently than any practice bank, so understanding why an answer is correct matters far more than memorizing which letter it was.

Kentucky Life Insurance Exam Topics

Advanced Policy Types

Advanced Taxation (1035, MEC, Annuities)

Annuities

Annuity Payouts & Suitability

Beneficiaries & Settlements

Business Uses of Life Insurance

Ethics & Regulations

General Principles & Contract Law

Group Life Insurance

Life Insurance Basics

Life Settlements & Viaticals

Policy Dividends

Policy Provisions & Options

Policy Riders

Qualified & Retirement Plans

Social Security Benefits

Taxation of Life Insurance

Types of Life Policies

Underwriting & Risk

Universal Life Insurance

Whole Life Insurance

State Insurance Law

Free Kentucky Life Practice Questions with Answers

12 sample questions from the 240-question Life bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Life questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Kentucky

Prepare for multiple insurance licenses in Kentucky

Health Insurance

Kentucky Exam

Property & Casualty

Kentucky Exam

Life Insurance Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Official Kentucky Insurance Resources

Important external links for Kentucky insurance licensing information

Kentucky Department of Insurance

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

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Kentucky Life Insurance Practice Exam Free - 2026

How the Kentucky Life Insurance exam compares

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Kentucky Life Insurance Exam Topics

Free Kentucky Life Practice Questions with Answers

Question 1: A modified premium whole life policy is structured so that premiums are:

Question 2: An insured converts a convertible term policy to permanent coverage. Which statement is correct?

Question 3: Which feature is characteristic of a joint life, or first-to-die, policy?

Question 4: Which annuity settlement option produces the largest monthly income from a given amount of accumulated value?

Question 5: An annuitant selects a life with 10-year period certain option and dies in the sixth year. What happens?

Question 6: A cash refund annuity provides that if the annuitant dies before receiving payments equal to the amount paid into the contract:

Question 7: Under a joint and two-thirds survivor annuity, what happens after the first annuitant dies?

Question 8: What is the fundamental difference between an immediate annuity and a deferred annuity?

Question 9: In a fixed annuity, who bears the investment risk during the accumulation period?

Question 10: Before recommending that a client purchase or replace an annuity, a producer's suitability obligation requires that the producer:

Question 11: An indexed annuity differs from a traditional fixed annuity primarily because:

Question 12: Which dividend option uses the dividend to purchase a small amount of additional permanent coverage that immediately has its own cash value?

Frequently Asked Questions

How many questions are on the Kentucky Life Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Kentucky insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in Kentucky

Life Insurance Exams in Nearby States

Official Kentucky Insurance Resources

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