Kansas Producer Licensing Requirements

Kansas has streamlined licensing requirements with no mandatory pre-license education for Property & Casualty insurance, making it one of the most accessible states for insurance licensing.

Eligibility Requirements

To qualify for a Kansas P&C producer license:

Basic Requirements

Disqualifying Factors

The Kansas Insurance Department may deny licenses for:

• Criminal Convictions: Felonies involving dishonesty, breach of trust, or financial crimes
• License Revocations: Insurance license revoked in any state
• Regulatory Actions: Serious disciplinary actions by other insurance regulators
• False Information: Misrepresentation on license application
• Unpaid Judgments: Outstanding insurance-related court judgments
• Child Support: Failure to comply with child support orders (in some cases)

Pre-License Education

No Mandatory Education

Kansas has NO pre-license education requirement for P&C producers:

• ✓ No required classroom hours
• ✓ No mandated online courses
• ✓ No approved providers needed
• ✓ No certificates to submit
• ✓ Can schedule exam immediately

However, successful candidates typically:

• Study 40-60 hours of exam content
• Take practice exams and quizzes
• Review Kansas insurance laws
• Study national P&C concepts
• Use commercial study materials

Exam Tip: While Kansas doesn't require pre-license courses, the 70% passing threshold requires thorough preparation. Most successful candidates invest 40-60 hours in focused study using quality exam prep materials.

Kansas P&C Examination

The Kansas Property & Casualty examination is administered by Pearson VUE:

Exam Details

Exam Content Breakdown

National P&C Content (Approximately 75%):

• Property insurance principles and coverages
• Casualty and liability insurance
• Auto insurance fundamentals
• Commercial lines basics
• Insurance operations and regulations
• Policy provisions and exclusions
• Underwriting and rating concepts
• Claims handling procedures

Kansas State Content (Approximately 25%):

• Kansas Insurance Department regulations
• Kansas auto insurance requirements (25/50/25 + PIP + UM/UIM)
• Kansas property insurance laws
• Producer licensing and CE requirements
• State ethics and unfair trade practices
• Kansas workers' compensation
• State-specific consumer protections
• Kansas Insurance Commissioner powers

Scheduling the Exam

Steps to Schedule:

1. Visit Pearson VUE Website: www.pearsonvue.com/ks
2. Create Account: Register with Pearson VUE (if new)
3. Select Exam: Choose Kansas Property & Casualty
4. Choose Location: Select test center (multiple Kansas locations)
5. Select Date/Time: Available Monday-Saturday
6. Pay Fee: $52 exam fee
7. Receive Confirmation: Confirmation number and appointment details

What to Bring:

• Valid government-issued photo ID (driver's license, passport, state ID)
• Pearson VUE confirmation number
• Arrive 30 minutes early

Prohibited Items:

• Cell phones, smart watches, electronic devices
• Study materials, notes, books
• Personal items (secured in locker)
• Food and drinks

Exam Results

• Immediate Scoring: Results provided at test center
• Pass: Receive passing notification and score report
• Fail: Receive diagnostic report showing performance by topic
• Score Validity: Valid for 12 months for license application

Retake Policy

• Wait Time: 24 hours after failed attempt
• Retake Fee: Full $52 exam fee per attempt
• Attempt Limit: No limit on number of attempts
• Study Recommendations: Use diagnostic report to identify weak areas

Exam Tip: Kansas exam questions heavily test auto insurance requirements (25/50/25, PIP, UM/UIM), the no-fault system, and the elected Commissioner. These Kansas-specific topics appear frequently—master them for exam success.

License Application Process

After passing the exam:

Step 1: Pass the Exam

• Pass Kansas P&C exam with 70%+
• Receive passing score report from Pearson VUE
• Exam score valid for 12 months

Step 2: Complete Background Check

Kansas requires background checks for all applicants:

Process:

• Fingerprint-based criminal history check
• FBI and Kansas state background check
• Submit through approved vendor
• Processing time: 1-2 weeks
• Cost: Approximately $40-$50

What's Checked:

• Federal criminal history (FBI)
• Kansas criminal history
• Other states' criminal records
• Regulatory action history

Step 3: Submit License Application

Application Methods:

Option 1: NIPR (National Insurance Producer Registry)

• Online at www.nipr.com
• Streamlined process
• Electronic submission
• Faster processing

Option 2: Direct Application to Kansas

• Through Kansas Insurance Department website
• Paper or electronic application
• Direct submission to Department

Required Information:

• Personal information (name, SSN, address, contact)
• Exam passing confirmation
• Background check completion
• Employment history (past 10 years)
• Criminal history disclosure (if applicable)
• Regulatory action disclosure (if applicable)
• Character references (if required)

Application Fee: $55 (plus $52 exam fee already paid)

Step 4: Processing and Approval

• Kansas Insurance Department reviews application
• Background check results reviewed
• Verification of exam results
• Processing time: 2-4 weeks (typically)
• Approval notification via email

Step 5: Receive License

• License issued electronically
• Accessible through NIPR or Kansas system
• Valid for 2 years from issue date
• License number assigned
• Lines of authority listed (Property, Casualty)

Step 6: Obtain Company Appointments

Before selling insurance:

Appointment Required:

• Insurance company appoints you to represent them
• Company submits appointment to Kansas Insurance Department
• Appointment fee varies by company
• Multiple appointments allowed
• Must maintain at least one active appointment

Exam Tip: License alone does NOT authorize insurance sales. You must have License + Appointment to transact insurance business. This two-step requirement is commonly tested.

Resident vs. Non-Resident Licensing

Resident Producer

Requirements:

• Kansas is primary residence or place of business
• Complete full licensing process (exam, background check, application)
• Maintain Kansas as home state

Benefits:

• Can obtain non-resident licenses in other states through reciprocity
• Home state for continuing education
• Primary regulatory oversight by Kansas

Non-Resident Producer

Requirements:

• Hold active producer license in home state
• Home state license in good standing
• Apply as non-resident through NIPR
• May not need Kansas exam if home state has reciprocity

Kansas Reciprocity:

• Kansas has reciprocal agreements with most states
• If home state waives Kansas exam for its residents, Kansas typically waives exam for home state residents
• Must still complete background check
• Pay non-resident license fee

Exam Tip: Reciprocity means mutual waiver of exam requirements between states. Non-residents with active licenses in reciprocal states may skip the Kansas exam but must still meet other requirements.

Total Licensing Costs

Timeline: 4-8 weeks from start to licensed (depending on study time and processing)