Key Takeaways
- The Kansas Insurance Department regulates all insurance activities in the state
- The Insurance Commissioner is ELECTED by Kansas voters (one of only 11 states)
- Commissioner serves a 4-year term elected during general elections
- Kansas insurance law is found in Chapter 40 of the Kansas Statutes
- The Commissioner must be a Kansas resident and qualified elector
Kansas Insurance Department
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Kansas regulates insurance through the Kansas Insurance Department under the leadership of an elected Insurance Commissioner.
Kansas Insurance Commissioner
The Kansas Insurance Commissioner is unique because:
- ELECTED by Kansas voters (not appointed)
- One of only 11 states with an elected insurance commissioner
- Serves a 4-year term
- Elected during general elections (2022, 2026, 2030, etc.)
- Position established by Kansas Constitution
Commissioner Qualifications
| Requirement | Details |
|---|---|
| Residency | Must be a Kansas resident |
| Voter Status | Must be a qualified elector |
| Election | Statewide general election |
| Term | 4 years |
Exam Tip: Remember that Kansas's Insurance Commissioner is ELECTED, not appointed. This is a key distinction tested on the exam. Kansas is one of only 11 states with an elected commissioner, along with California, Delaware, Georgia, Louisiana, Mississippi, Montana, North Carolina, North Dakota, Oklahoma, and Washington.
Kansas Insurance Department Functions
The Kansas Insurance Department is responsible for:
| Function | Description |
|---|---|
| Insurer Regulation | Licensing and monitoring insurance companies |
| Producer Licensing | Issuing and renewing agent licenses |
| Rate Review | Reviewing and approving insurance rates |
| Consumer Protection | Handling complaints and investigations |
| Market Conduct | Examining insurer practices |
| Financial Oversight | Monitoring insurer solvency |
Department Divisions
- Producer Licensing - Agent licensing and continuing education
- Life and Health - Life and health insurer regulation
- Property and Casualty - P&C insurer regulation
- Financial Surveillance - Solvency monitoring
- Consumer Assistance - Consumer complaints and inquiries
Kansas Insurance Code
Kansas insurance law is contained in Chapter 40 of the Kansas Statutes Annotated:
Key Articles
| Article | Subject |
|---|---|
| Article 1 | Insurance Department |
| Article 22 | Insurance Agents and Brokers |
| Article 4 | Life Insurance |
| Article 22 | Accident and Sickness Insurance |
Contact Information
- Address: 1300 SW Arrowhead Road, Topeka, KS 66604
- Phone: (785) 296-3071
- Website: insurance.kansas.gov
- Email: KID.licensing@ks.gov
How is the Kansas Insurance Commissioner selected?
Which chapter of the Kansas Statutes contains insurance law?
What is the term length for the Kansas Insurance Commissioner?