Getting an insurance license in Kansas
Kansas licenses through the Kansas Insurance Department, which calls the licensee an agent. Which license you need depends on what you intend to sell, and the requirements differ sharply between them.
License types
-
Accident and Health or Sickness
Sells cover for sickness, bodily injury or accidental death in Kansas, and it may carry disability income benefits too. No pre-licensing course is required.
No course
-
Administrator Certificate of Registration
The instrument for somebody who does an administrator's work for a self-funded plan and is not required to hold the administrator license: they register with the Commissioner every year instead. It carries real weight elsewhere in the Code, because a pharmacy benefits manager holding one is outside the pharmacy benefits manager licensure act altogether.
No course
-
Home State Administrator
Collects premiums or charges, or adjusts or settles claims, for somebody else's insurance business, from a base in Kansas. It is an entity license and its bar is financial rather than educational: audited accounts showing a positive net worth, biographical affidavits for everybody who runs the applicant, and a business plan showing enough experienced staff to do the work.
No course
-
Auto Rental Agency Insurance
Sells insurance at the rental counter, at the point of delivery of a vehicle, or by preselection in a corporate rental agreement, and only in connection with and incidental to the rental of a motor vehicle. K.S.A. 40-241 issues it as a subclassification of casualty and allied lines rather than as a line of authority of its own, which is why it is not among the thirteen at 40-4903.
No course
-
Bail Bond
Surety for a monetary guarantee that somebody released from jail will appear in court at the appointed time, which is the statute's own definition. It is a line of authority in its own right in Kansas and the examination reaches it. The Commissioner's license is only half of what it takes to write a bond here: K.S.A. 22-2809b, in the code of criminal procedure, makes a compensated surety apply separately to the chief judge of every judicial district where they want to act, and put eight hours of continuing education in front of that application.
No course
-
Casualty
Sells cover against legal liability in Kansas, including liability for death, injury or disability and for damage to real or personal property. No pre-licensing course is required.
No course
-
Credit
Limited line credit insurance in Kansas. The statute names it as a line of authority in its own right, and the only instruction requirement attached to it falls on the insurer under 40-4905(e) rather than on the applicant.
No count
-
Crop
Crop insurance in Kansas, and the statute defines it rather than leaving it to a rule: damage to crops from unfavorable weather, fire, lightning, flood, hail, insect infestation, disease or other yield-reducing conditions, and any peril the Federal Crop Insurance Corporation subsidizes, multi-peril included.
No course
-
Excess Coverage
Places fire and casualty risks, or reinsurance, with nonadmitted insurers on the Commissioner's eligible list, for insureds whose home state is Kansas. The statute is headed "excess coverage license", its own first sentence calls it an excess lines coverage license, and K.S.A. 40-246g calls the holder a surplus lines producer. Three names, one license.
No course
-
Insurance Company Stock Salesperson
Written authority from the Commissioner to sell the stock of an insurance company or a health maintenance organization. It is the one license in the Kansas Insurance Code whose fee the statute makes somebody else pay: the company requesting it, not the person receiving it.
No course
-
Life
Sells life insurance in Kansas, which the statute writes as coverage on human lives including endowment and annuity benefits, benefits for death or dismemberment by accident, and disability income. Kansas asks no pre-licensing course for it.
No course
-
Nonresident Administrator
The same trade run from a base outside Kansas. Kansas issues it on the strength of the home state's license rather than on its own review, and refuses it outright where the home state has not adopted a substantially similar law.
No course
-
Personal Lines
Property and casualty insurance sold primarily to an individual or family for noncommercial purposes in Kansas. It is one line rather than two and no pre-licensing course is required.
No course
-
Pharmacy Benefits Manager
Provides claims processing or other prescription drug or device services to Kansas residents on behalf of a health plan. The license has been compulsory since 2023-01-01 and it is not transferable.
No course
-
Portable Electronics Insurance
A limited lines license held by the vendor of portable electronic devices, covering repair or replacement against loss, theft, mechanical failure, malfunction or damage. The license sits on the business rather than on the person selling, and a supervising entity that is itself a licensed producer or insurer keeps the register of which locations may sell.
No course
-
Pre-Need Funeral
A life insurance or annuity contract bought by or for the insured solely to fund a pre-need contract with a funeral home for specific services. Kansas is one of seven states here that license the pre-need trade, and Wyoming names its line exactly the same way. There is no Kansas pre-need paper: K.S.A. 40-4903(c)(3) treats the holder as holding a life license used for nothing else, so the paper is the Life Producer paper.
No course
-
Premium Finance Company
Lends the premium so a policyholder can pay it, on an agreement secured by the unearned premium. Doing it without the license carries a penalty of up to $500 for every violation or up to six months in jail, or both.
No course
-
Prepaid Service Plan
A prepaid legal or dental service plan, registered rather than licensed, and registered together with the people who sell its memberships: the application carries a list of every individual who solicits on the plan's behalf, and every continuation reports who has joined that list and who has left it.
No course
-
Property
Sells cover for direct or consequential loss or damage to property of every kind in Kansas. No pre-licensing course is required.
No course
-
Public Adjuster
Acts for the insured, for a fee, on a first party claim for loss or damage to real or personal property. K.S.A. 40-5502(l) writes "covered by and limited to commercial lines insurance contracts" into all three limbs of the definition, so a Kansas public adjuster may not take a householder's claim at all: of the 39 public adjuster licenses on this site, counting the files whose slug is exactly public-adjuster or public-insurance-adjuster and leaving out the trainees, solicitors, apprentices, emergency variants and Connecticut's property public adjuster, which would make it forty-five, no other one is confined to commercial policies. It is the only adjuster-family license Kansas issues.
No course
-
Reinsurance Intermediary
One license covering both halves of the trade, the reinsurance broker who places cessions for a ceding insurer and the reinsurance manager who runs a reinsurer's business. A license issued to a firm or a corporation authorizes every member, officer, director and designated employee named in the application to act under it.
No course
-
Self-Service Storage Unit
Cover sold with the rental of a self-service storage unit in Kansas: personal effects insurance for renters at the facility, and anything else the commissioner approves as meaningful and appropriate. It may only be issued in accordance with K.S.A. 40-241.
No course
-
Temporary Insurance Agent
A license issued without an examination, for up to 180 days and extendable once, to keep an agency running when the agent behind it dies, is disabled, or is called up. Nobody applies for it on their own behalf in the ordinary case: the four openings in the statute are all about somebody else's business.
No course
-
Title
Title insurance in Kansas, which the statute defines as insuring titles to property against loss by reason of defective titles or encumbrances, and files among its limited lines. No pre-licensing course is required.
No course
-
Travel
Travel insurance in Kansas, and the statute enumerates it: a cancelled trip or event, lost baggage or personal effects, damage to accommodations or rental vehicles, sickness, accident, disability or death during travel, emergency evacuation, repatriation of remains, and anything else the commissioner approves. A major medical plan for a trip of six months or longer is not travel insurance.
No course
-
Variable Life and Variable Annuity Products
Sells cover under variable life insurance contracts and variable annuities in Kansas, and the statute draws the line as widely as Washington does: it reaches any other life insurance or annuity product that reflects the investment experience of a separate account.
No course
-
Viatical Settlement Broker
Acts for the policy owner in negotiating a viatical settlement. Kansas gives no broker paper, and the requirement that stands in for one is not in the Viatical Settlements Act at all: the examination vendor's handbook says the applicant must hold a Life Producer license or sit the Life Producer paper.
No course
-
Viatical Settlement Provider
Buys a life insurance policy from the person insured under it. Kansas prices this at ten times what it charges the broker who arranges the same transaction, and asks the provider for a detailed plan of operation that it does not ask the broker for.
No course
Is a course required?
Kansas requires no pre-licensing course for Every agent line of authority.
The statute lists what the commissioner must determine before approving a resident agent application: at least 18, no disqualifying act, the fee paid, and the examination passed for each line applied for. That is the whole list and no course is in it. Pearson VUE, which runs the Department's examination program, says the same in its July 2026 candidate handbook in six words: "Kansas does not have a pre-licensing education requirement."
Read at ksrevisor.gov on 2026-08-20 . K.S.A. 40-4905(b)
Kansas requires no pre-licensing course for Public Adjuster.
The public adjusters licensing act has its own closed list of findings and no course is in it either: home state eligibility, no ground for denial, trustworthiness, financial responsibility, the fee, an office with public access, being at least 18, and the examination. A sourced zero read off the granting section rather than inferred from the producer one.
Read at ksrevisor.gov on 2026-08-20 . K.S.A. 40-5505
Kansas requires pre-licensing education for Bail Bond, to write a bond in a judicial district , at 8 hours.
Eight hours in every twelve-month period, and they are not a condition of the Commissioner's license. They are a condition of the separate authorization a compensated surety must get from the chief judge of each judicial district before writing a bond there, because 22-2809b(b)(1)(C) puts the certificate of compliance inside that application. The Kansas Bail Agents Association is the only provider the statute names, it must hold the classes at least once a year in each congressional district, and it may charge no more than $300 a year for the eight hours whether or not the surety is a member. Missing them costs the authorization rather than the license: 22-2809b(f)(3) allows a conditional authorization for 90 days and then terminates it.
Read at ksrevisor.gov on 2026-08-20 . K.S.A. 22-2809b(g)
Fees
| Charge | Paid to | Amount |
|---|---|---|
| Agent license application fee K.S.A. 40-4905(b)(3) caps it at $30 and leaves the figure to the Commissioner, who must publish it in the Kansas register by 1 December each year; Pearson VUE's July 2026 candidate handbook prints $30 as the figure actually charged at application through NIPR | Kansas Insurance Department | $30.00 |
| Fingerprinting fee, paid with the application Nonrefundable, and separate from the $20 Pearson charges for the fingerprint appointment itself. Scoped to no license because it is a charge on the application rather than on any one license, and because a candidate fingerprinted for another state-issued license in the past twelve months may offer proof of good standing instead under K.S.A. 40-4905(h)(3) | Kansas Insurance Department, through NIPR | $60.00 |
| Fingerprint appointment at a Pearson test center Exam code Fingerprint KSINSFP, 15 to 30 minutes, available at the Overland Park, Topeka and Wichita centers. Scoped to no license: it is the price of the appointment, not of any license, and fingerprints stay valid for 365 days while the application is assembled | Pearson VUE | $20.00 |
| Public adjuster license application fee A ceiling rather than a price: K.S.A. 40-5505(a)(5) lets the Commissioner set a fee not to exceed $100 and publish it in the Kansas register by 1 December each year, so the figure charged may be lower. Renewal is capped at the same $100 and reinstatement within twelve months of lapse is a flat $100 | Kansas Insurance Department | $100.00 |
| Excess coverage license application fee A figure rather than a cap, which is unusual in this chapter: K.S.A. 40-246b(a) names $50 outright and renews it each 1 May for another $50 | Kansas Insurance Department | $50.00 |
| Home state administrator license application fee Capped at $400 by K.S.A. 40-3812(b)(7), set annually by the Commissioner in the Kansas register. The license has no term and no renewal fee: it stays valid while the administrator stays in business and in compliance | Kansas Insurance Department | $400.00 |
| Nonresident administrator license application fee Capped at $400 by K.S.A. 40-3813(e), with a biennial renewal capped at $200 under 40-3813(d) | Kansas Insurance Department | $400.00 |
| Pharmacy benefits manager license application fee Nonrefundable and capped at $2,500 by K.S.A. 40-3823(c), which is the largest application fee in the Kansas Insurance Code | Kansas Insurance Department | $2,500.00 |
| Premium finance company license continuation fee Capped at $100 by K.S.A. 40-2604(b)(1), due on or before 1 April for a year beginning 1 May, and paying it late revokes the license automatically rather than incurring a penalty | Kansas Insurance Department | $100.00 |
| Reinsurance intermediary license application fee Capped at $150 by K.S.A. 40-4503(d)(1), with an annual continuation fee capped at $100 payable by 1 May | Kansas Insurance Department | $150.00 |
| Viatical settlement provider license application fee Nonrefundable and capped at $1,000 by K.S.A. 40-5003(b), with an annual renewal capped at $500 | Kansas Insurance Department | $1,000.00 |
| Viatical settlement broker license application fee Nonrefundable and capped at $100 by K.S.A. 40-5003(d), with an annual renewal capped at $50: one tenth of what the same act charges the provider on the other side of the transaction | Kansas Insurance Department | $100.00 |
| Prepaid service plan certificate of registration filing fee Capped at $100 by K.S.A. 40-4209(a)(1)(C), with an annual continuation fee capped at $50 | Kansas Insurance Department | $100.00 |
| Insurance company stock salesperson license fee Capped at $100 by K.S.A. 40-205a(a), and the statute makes the company requesting the license pay it rather than the person receiving it | Kansas Insurance Department | $100.00 |
| Company appointment fee, per agent appointed $2 for each producer or agency appointed by a Kansas-domiciled company and $5 for each one appointed by a foreign-domiciled company. Scoped to no license because insurance companies pay it, not applicants, and there is no Kansas fee at all to terminate an appointment | Kansas Insurance Department, collected by NIPR | $2.00 |
| Bail bond continuing education, eight hours A statutory maximum rather than a price: K.S.A. 22-2809b(g)(2) obliges the association to provide or contract for at least eight hours of classes annually in each congressional district and forbids it to charge more than $300 a year for them, or to vary the fee by whether the surety is a member. It is on this page because the eight hours come before the first bond rather than after it: 22-2809b(b)(1)(C) puts the certificate of compliance inside the application a compensated surety makes to the chief judge of every judicial district where they want to act. The Commissioner's license does not require it and cannot be got or kept without it if the holder intends to write a bond anywhere | Kansas Bail Agents Association | $300.00 |
| Administrator registration K.S.A. 40-3810 creates the registration and names no fee: a person not required to be licensed as an administrator, who underwrites, collects charges or premiums from, or adjusts or settles claims on Kansas residents only in connection with life, annuity or health coverage provided by a self-funded plan other than a governmental or church plan, "shall register with the commissioner annually, verifying its status as herein described". That is the whole obligation. No fee appears in the section and none of the sixteen rows in Kansas's own fee schedule reaches it. The zero is a statute read end to end and found silent, not a figure nobody looked for. | Kansas Insurance Department | $0.00 |
Every amount above was read at its own source between 2026-08-20 and 2026-09-05. Exam and fingerprint charges go to a vendor, not to the Department, and say so.
Approved courses
There is nothing in the Insurance Code to approve. Kansas requires no pre-licensing course of an agent or of a public adjuster, and the examination vendor says so in its own words. Two programs of instruction exist and neither is an applicant's to take: K.S.A. 40-4905(e) puts one on the insurer selling limited line credit insurance, and K.S.A. 40-241 puts one on the auto rental agency training its counter staff. The only taught hours anybody must have are the eight a year a bail bond surety needs for a judicial district's authorization, and K.S.A. 22-2809b(g)(2) names the Kansas Bail Agents Association as the body that must provide or contract for them.