Kentucky Online Insurance School

The TESTivity Virtual Learning Experience is a web based pre-license course that includes all the study material you could possibly need to prepare for (and pass) your Kentucky Life, Accident & Health, Property & Casualty and Investment License exams.

--Matt Williams CLU, ChFC, CFP®


Simply because it is the best way to prepare for the Kentucky insurance exam, at our insurance school we strongly suggest you enroll in the full test prep course--Virtual Learning Experience. To accommodate those Kentucky insurance license candidates who only need part of the course, you may purchase prelicense study material/learning tools separately below.

The full course includes ALL of these learning tools.

What our students have to say...

I can't say enough good things about Latitude Online Insurance School.

The training is comprehensive, easy to understand and was the main reason for my success in the state exam.

Obviously, you get as much out of any training as the energy you put into it, but I enjoyed every minute of the online courses and tutorials. I was able to spend as much time as needed on each individual lesson, since the way the information is presented makes it easy for even a relative novice to understand.

This is by far the best program I've ever worked with and highly recommend it.

--Raymond, Life & Health Course

Wouldn’t change a thing!

It seems like they have this course perfected. I love the package deal you get for the price you pay.

--Lauren, Property & Casualty Course

Kentucky Insurance School Study Material for the Licensing Exam--Product Samples

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Kentucky Insurance Exam PreLicense Video Course

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Kentucky Insurance Exam Virtual Text Book

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Kentucky Insurance License Exam Audio Course

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Learning Games for the Kentucky Insurance Exam

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Mind Mapping Graphics--Kentucky Insurance Test Prep

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Online Kentucky Insurance Exam Flash Cards 

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Kentucky Insurance Test Practice Questions & Exam Simulator 

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Glossary of Insurance License Exam Terms

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Personal Coach--Kentucky Insurance Exam Expert

EVERYTHING is included in our online Kentucky insurance license course, the TESTivity Virtual Learning Experience.

Everything you need to know about how to get an insurance license in Kentucky...

What are the questions on the Kentucky insurance exam like? Do you have any sample insurance test questions?

    The questions in our insurance exam simulator are VERY representative of the questions on the Kentucky state licensing exam. Here are a couple examples of what you can expect:
Kentucky Insurance School Sample Practice Questions from the Licensing Exam

Kentucky Property & Casualty Exam Questions

A process utilized when an insurer and insured cannot agree regarding the extent of a loss describes?

  1. Indemnity
  2. Arbitration
  3. Appraisal
  4. Subrogation

Kentucky Life & Health Exam Questions

A policyowner should be careful when taking policy loan because:

  1. If the policyowner fails to repay the loan, the insurer could cancel the policy
  2. Outstanding policy loans will prevent the payment of death benefits until the loan is repaid
  3. If the policyowner fails to repay the loan, the insurer could cancel the policy
  4. If the interest charged on the loan, is not paid monthly, the insurer may cancel the policy

Kentucky Insurance Regulations

In Kentucky, a lapsed policy may be reinstated:

  1. within 1 year of policy lapse
  2. up to 90 days after the grace period expires
  3. never
  4. within 3 years of policy lapse

Answer: C

With P&C insurance, when it is understood between the insured and insurer that coverage exists but they do not agree on the amount of the loss. The policy provides that each party shall select an appraiser who will represent them and attempt to arrive at an agreement. The appraisal procedure is not utilized when an insurer and insured disagree over whether a loss is actually covered under the policy. In this case, a process known as arbitration is used.

Answer: A

Policy loans are not required to be repaid. The money belongs to the owner of the policy. If a loan is outstanding when the insured dies, the loan and the interest due on the loan is deducted from the policy’s death benefits. If the outstanding loan balance, plus interest, exceeds the cash value of the policy, the insurer can require the loan be paid down or the policy will “implode” and be canceled.

Answer: D 

If a policy lapses, Kentucky insurance law allows the policy owner may apply to have the policy reinstated. The insured must provide evidence of insurability; and pay past-due premiums, any outstanding policy loans, and interest on the outstanding loan and past-due premiums. Reinstatement must be applied for within 3 years.

Insurance exam practice questions and the exam simulator are included in our online Kentucky insurance license course, the TESTivity Virtual Learning Experience.

You can get more free insurance exam sample questions and and lots of other cool stuff on our Insurance Licensing Test Tips page (near the bottom under FREE insurance exam practice tests).


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Where is your Kentucky insurance school located?

    The best way to prepare for your Kentucky insurance exam is through the TESTivity Virtual Learning Experience, which is entirely online. Occasionally we are asked to provide a live insurance test prep class for a large group. When we teach class in the Louisville area we use the Dundee Road Executive Suites conference room located at:

    2200 Dundee Road Louisville, KY 40205


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The Kentucky Insurance Licensing Exam Virtual Learning Experience is AMAZING! This package includes EVERYTHING you need to pass the Kentucky insurance licensing exam!

  • Interactive Video Course
  • Virtual Textbook
  • Audio Reinforcement
  • Virtual Flash Cards
  • TESTivity Mind Maps
  • Interactive Crossword Puzzles
  • Quizzes and Exam Simulator
Virtual Learning Experience--Kentucky

Kentucky Insurance School

Please take a minute to experience the learning tool samples through the menu above...You will agree, The TESTivity Virtual Learning Experience is the absolute best way to prepare for your Kentucky state insurance licensing exam.

Thank you for visiting LATITUDE Insurance & Securities Test Prep's Kentucky insurance school online licensing course. Before you leave, be sure to check out our Kentucky insurance exam Test Tips page. Every question counts, spending just 5 minutes with our test tips is guaranteed to increase your score!
You may know others who will be taking the Kentucky Life & Health Insurance Exam or the Kentucky Property & Casualty Exam... 
Please share our Online Kentucky Insurance School with them.
Good luck with your exam!

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