A company fails to file a required report with the Kansas commissioner. Besides a civil penalty of up to $1,000, K.S.A. 40-2,125 allows an additional penalty of up to how much for each week the report stays unfiled?K.S.A. 40-2,125(b)
A former Kansas agent who voluntarily surrendered a license, with education requirements met, applies again for the same class of insurance. The examination is waived if the surrender came not more than how long before the application?K.S.A. 40-4908(a)(3)
A Kansas agent holds a life license solely to sell pre-need funeral insurance. What does the agent file by the biennial due date in place of continuing education credits?K.S.A. 40-4903(c)(3)
A Kansas agent must report the details of a criminal conviction to the commissioner within 30 calendar days. Which convictions are excepted?K.S.A. 40-4905(f)(1)(D)
A Kansas agent wants to charge an insured a fee, beyond commission, for services on a policy. K.S.A. 40-4911 allows the compensation if it is based on:K.S.A. 40-4911
A Kansas agent with no prior convictions collects a premium of less than $1,000 and fails to pay it over to the company. Under K.S.A. 40-247 the offense is:K.S.A. 40-247(b)
Show all 125 questions (119 more)
Commissioner, companies and agent licensing, continued
A Kansas agent's proof of continuing education is not received by the biennial due date. What happens first?K.S.A. 40-4903(e)(2)
A Kansas applicant passes the examination and is issued an agent license. Under K.S.A. 40-241, what must happen before the license confers authority to transact business?K.S.A. 40-241
A person gathers information to enroll employees in a group life plan and issues the certificates. Under K.S.A. 40-4904 the person needs no agent license so long as the person:K.S.A. 40-4904(b)(2)
A vacancy arises in the office of a Kansas commissioner of insurance who was elected as a member of a political party. The governor's appointee must have been registered with that party for how long?K.S.A. 40-106(a)
A witness ignores a subpoena issued for a fact-finding hearing of the Kansas commissioner of insurance. Which court may order the witness to comply?K.S.A. 40-281(c)
After failing the Kansas agent examination, an applicant may retake it following a waiting period of not less than:K.S.A. 40-241
An applicant denied a Kansas agent license after a hearing waits one year to apply again. How long does a licensee whose license was revoked wait?K.S.A. 40-4909(j)(2)
An insurance company organized in another state applies to do business in Kansas. Under K.S.A. 40-209, how long must it generally have been in operation?K.S.A. 40-209(a)(6)
An insurer with no Kansas certificate of authority fails to pay a claim on a contract it sold in the state. Under K.S.A. 40-2702, who is liable to the insured for the full amount?K.S.A. 40-2702(c)(2)
As amended in 2026, K.S.A. 40-4909 lets the commissioner discipline an agent who fails to answer an inquiry concerning a complaint within how many calendar days?K.S.A. 40-4909(a)(17), as amended by 2026 Senate Bill 23
The biennial renewal application fee for a Kansas insurance agent license may not exceed what amount?K.S.A. 40-4903(b)(3)
The commissioner issues a temporary agent license to the surviving spouse of a deceased Kansas agent. How may it be extended?K.S.A. 40-4907(c)(1)
For how long may a Kansas agent hold inactive status, during which the continuing education requirement does not apply?K.S.A. 40-4903(e)(5)
For medical hardship or military service, the Kansas commissioner may extend an agent's time to complete continuing education by not more than:K.S.A. 40-4903(e)(4)
How does the Kansas commissioner of insurance take office, and for what term?K.S.A. 40-106(a)
How many minutes of instruction must each clock hour hold to count as one Kansas continuing education credit (C.E.C.)?K.S.A. 40-4902(f)
How much continuing education credit does the instructor of an approved Kansas course earn?K.S.A. 40-4903(d)
How often, at the least, does K.S.A. 40-222 call for a financial examination of an insurance company doing business in Kansas?K.S.A. 40-222(a)
In place of suspending a license, the commissioner may fine a Kansas agent who knew the act could bring discipline up to $1,000 for each violation. What is the cap for the same violation within six consecutive calendar months?K.S.A. 40-4909(i)(2)
K.S.A. 40-241 has agent examinations given at least quarterly in other convenient Kansas locations. How often must they be given in Topeka?K.S.A. 40-241
K.S.A. 40-2,125 sets general penalties for a "person" who violates the insurance statutes. Who is left out of that word?K.S.A. 40-2,125(d)(1)
The Kansas commissioner issues an emergency temporary cease and desist order. Within how many days after service may the person ask in writing for a hearing?K.S.A. 40-2,125(c)
Kansas statutes license the person other states call an insurance producer under which name?K.S.A. 40-4902(k)
Under K.S.A. 40-2,125 the commissioner may order a penalty of up to $1,000 for each violation of the Kansas insurance statutes. What is the cap for each violation when the person knew or reasonably should have known of it?K.S.A. 40-2,125(a)(1)
Under the 2026 amendment to K.S.A. 40-4906, when may the commissioner revoke a nonresident agent's license without notice and a hearing?K.S.A. 40-4906(f), as amended by 2026 Senate Bill 23
When a Kansas agent's license is suspended for a late continuing education report, the commissioner assesses a penalty of how much for each license suspended?K.S.A. 40-4903(e)(2)
When is a Kansas insurance agent's biennial due date for continuing education?K.S.A. 40-4902(b)
Which company is a domestic insurer under K.S.A. 40-2c01?K.S.A. 40-2c01(c)
Which failure is a ground for refusing to renew a Kansas agent license under K.S.A. 40-4909?K.S.A. 40-4909(a)(14)
Which feature marks a fraternal benefit society under K.S.A. 40-738?K.S.A. 40-738
Which person does the Kansas agents licensing act exempt from holding a license?K.S.A. 40-4904(b)(13)
Which terminations of a business relationship with an agent must a Kansas insurer report to the commissioner?K.S.A. 40-4913(a) and (b)
With whom may a Kansas agent divide or share commissions under K.S.A. 40-4910?K.S.A. 40-4910(e)
Life insurance law 24
A group life policy issued to an association in Kansas must insure at least how many members, employees or employees of members?K.S.A. 40-433(5)
A Kansas agent takes an application for individual life insurance together with the initial premium. Under K.S.A. 40-451, the coverage applied for is temporarily in effect until:K.S.A. 40-451(a)
A Kansas employer gives an employee written notice that it intends to insure the employee's life. Under K.S.A. 40-452, consent is deemed given if the employee does not object in writing within:K.S.A. 40-452(b)
A Kansas group life policy may let the insurer pay part of the death benefit to a person who incurred funeral or last-illness expenses for the insured. That part may not exceed:K.S.A. 40-434(6)
A Kansas group life policy terminates. A person insured under it for at least five years may convert, but the group policy may cap the individual policy at the smaller of the coverage lost, less other group coverage, and:K.S.A. 40-434(9)
A Kansas life insurer that does not pay policy proceeds within how many days after receiving due proof of death must pay interest on them?K.S.A. 40-447(a)
A Kansas life insurer wants to cancel an annual-premium policy within six months after a premium default. Under K.S.A. 40-410, what must it do first?K.S.A. 40-410
A Kansas life policy may not purport to take effect more than how long before the original application for the insurance was made?K.S.A. 40-421(1)
A premium on a Kansas annual-premium life policy is due and unpaid, and the insurer mails notice that it intends to cancel. How long after the mailing does the policyowner have to pay?K.S.A. 40-411
An individual life policy delivered in Kansas must give the insured a grace period, for any premium after the first, of not less than:K.S.A. 40-420(1)
The beneficiary of a Kansas life policy dies before the insured, who names no one else and does not dispose of the insurance by will. Under K.S.A. 40-415 the insurance goes to:K.S.A. 40-415
How often must a Kansas life insurer compare its in-force policies, contracts and retained asset accounts against a death master file?K.S.A. 40-4,203(a)
In a suit on a Kansas life policy, a defense based on misrepresentation is valid only if the insurer, at or before the trial:K.S.A. 40-419
The nonforfeiture value of a Kansas life policy is not exempt from the policyholder's creditors when the policyholder files a bankruptcy petition within what time after the policy is issued?K.S.A. 40-414(b)(1)
The owner of an individual term life policy cancels it partway through a period for which premiums were paid. Under K.S.A. 40-419a the Kansas insurer:K.S.A. 40-419a
Under K.S.A. 40-414, a Kansas life policy payable to a beneficiary with an insurable interest is free from:K.S.A. 40-414(a)
Under K.S.A. 40-418, when is a misrepresentation made in obtaining a Kansas life policy deemed material so as to void the policy?K.S.A. 40-418
Under K.S.A. 40-421, a participating Kansas life policy may not defer the payment of dividends for more than:K.S.A. 40-421(5)
Under K.S.A. 40-433(6), a Kansas group life policy may be extended to insure employees against loss due to the death of which family members?K.S.A. 40-433(6)
Under K.S.A. 40-450, a charity qualified under section 501(c) is deemed to have an insurable interest in a donor's life when the donor consents in writing to the assignment and the charity is:K.S.A. 40-450(b)
When a Kansas life insurer owes interest on late death proceeds under K.S.A. 40-447, from what date is the interest computed?K.S.A. 40-447(a)
Where a Kansas life policy sets a fixed maximum rate of interest on policy loans, K.S.A. 40-420c caps that rate at:K.S.A. 40-420c(a)
Which provision may a Kansas life policy not contain under K.S.A. 40-421?K.S.A. 40-421(4)
Which term may the written premium receipt contain under K.S.A. 40-451 when a Kansas agent accepts an application and initial premium for individual life insurance?K.S.A. 40-451(b)(4)
Annuities and viatical settlements 12
A 2026 amendment to K.S.A. 40-4,102 takes which contracts out of the nonforfeiture requirements for individual deferred annuities?K.S.A. 40-4,102(b), as amended by 2026 House Bill 2540
A Kansas company may defer paying the cash surrender benefit of a deferred annuity for up to six months after demand. What must it do first?K.S.A. 40-4,103(a)(2)
A viatical settlement contract entered into in Kansas must give the viator an unconditional right to rescind for at least how long after receiving the settlement proceeds?K.S.A. 40-5009a(c)
After a Kansas viatical settlement, contacts to check the health of an insured whose life expectancy is one year or less are limited to once per month. What is the limit when life expectancy is more than one year?K.S.A. 40-5009a(f)
In the minimum nonforfeiture amount for a Kansas individual deferred annuity, the net considerations for a contract year equal what share of the gross considerations credited that year?K.S.A. 40-4,104(a)(2)
The insured dies during the rescission period of a Kansas viatical settlement contract. Under K.S.A. 40-5009a the contract is:K.S.A. 40-5009a(c)
The interest rate used for minimum nonforfeiture amounts of a Kansas deferred annuity is the lesser of an indexed treasury-based rate and what annual rate?K.S.A. 40-4,104(b)
Under K.S.A. 40-5002, a person is "chronically ill" when unable to perform at least how many activities of daily living?K.S.A. 40-5002(c)
Under K.S.A. 40-5002, the value paid to the viator under a viatical settlement contract must be greater than:K.S.A. 40-5002(o)(1)
Under the Kansas viatical settlements act, "terminally ill" means having an illness that can reasonably be expected to result in death within:K.S.A. 40-5002(m)
Unless an exception applies, no viatical settlement may be entered into in Kansas during what period commencing with the date of issuance of the policy?K.S.A. 40-5010
Whom does a viatical settlement broker represent under K.S.A. 40-5002?K.S.A. 40-5002(n)
Accident and health law 28
A Kansan under 65 becomes eligible for Medicare by reason of disability. A Medicare supplement issuer may not deny coverage if the person applies within what time of first enrolling in Medicare part B?K.S.A. 40-2221(a)
A Kansas accident and sickness insurer has 30 days after receiving a claim to pay a clean claim or send a notice. Once it receives all the additional information it asked for, how long does it have?K.S.A. 40-2442(d)
A Kansas accident and sickness policy that bases benefits on "usual, customary and reasonable charges" must develop them from a statistically valid sample produced at least:K.S.A. 40-2202(a)(8)
A Kansas blanket sickness and accident policy issued to a sports team or camp must cover at least how many members, campers, employees, officials or supervisors?K.S.A. 40-2210(A)(4)
A Kansas employee's insurance under a group hospital, surgical or major medical policy ends. Under K.S.A. 40-2209, the employee may have the group coverage continued for:K.S.A. 40-2209(i)
A Kansas family health policy must cover a child the insured adopts from which date?K.S.A. 40-2,102(a)(1)(C)
A Kansas family health policy must offer an option covering the delivery and obstetrical expenses of the birth mother of a child the insured adopts within how long after the child's birth?K.S.A. 40-2,102(b)(1)
A Kansas family health policy must pay for routine and necessary immunizations of a covered newborn from birth to what age?K.S.A. 40-2,102(a)(2)
A Kansas group policy providing hospital, medical or surgical expense benefits may impose a preexisting conditions exclusion that runs no longer than:K.S.A. 40-2209(a)(4)(A)
A Kansas group policy with inpatient hospital benefits terminates while an insured is confined in a hospital. Benefits must extend until discharge or for at least how many days after the policy's expiration, whichever is earlier?K.S.A. 40-2254(a)
A Kansas health plan with maternity benefits covers at least 48 hours of inpatient care after a vaginal delivery. Under K.S.A. 40-2,160, who may decide on a shorter stay?K.S.A. 40-2,160(c)
A Kansas insurance company and a claimant agree on the amount due under an accident and health policy. If it is not paid within 30 calendar days, interest runs from the date of the agreement at:K.S.A. 40-2,126
A Kansas long-term care insurer that neither pays a clean claim nor sends the required notice within 30 days of receiving the claim owes interest on the unpaid amount at:K.S.A. 40-2228h(b)
A Kansas long-term care policy that lapsed must be reinstated on proof of cognitive impairment or loss of functional capacity if reinstatement is requested within how long after termination?K.S.A. 40-2228e
An individual Kansas accident and sickness policy with hospital expense coverage must cover in-patient treatment of alcoholism, drug abuse or substance use disorders for not less than 30 days a year. What is the yearly minimum for in-patient treatment of mental illness?K.S.A. 40-2,105(a)
Before issuing a long-term care policy, a Kansas insurer must receive the applicant's written designation of at least one other person to be notified of lapse, or else:K.S.A. 40-2228b(a)
The grace period provision required in Kansas accident and sickness policies allows not less than 7 days for weekly premium policies and 31 days for most others. What is the minimum for monthly premium policies?K.S.A. 40-2203(A)(3)
How many renewal periods may a Kansas short-term sickness and accident policy offer under K.S.A. 40-2,193?K.S.A. 40-2,193(a)(2)
To have a right to Kansas continuation of group health coverage, an employee must have been continuously insured under the group policy for at least how long immediately before termination?K.S.A. 40-2209(i)
Under K.S.A. 40-2205, a false material statement in the application for a Kansas accident and sickness policy bars recovery only when the false statement:K.S.A. 40-2205(C)
Under K.S.A. 40-2209m, a Kansas agent may not encourage a small employer to refrain from applying for coverage with a carrier because of the employer's:K.S.A. 40-2209m(b)(1)(A)
Under K.S.A. 40-2259, a Kansas insurer offering hospital, medical or surgical expense policies may not require or request an individual to:K.S.A. 40-2259(b)(1)
Under K.S.A. 40-2209d, an "eligible employee" of a small employer works on a full-time basis with a normal work week of at least:K.S.A. 40-2209d
Under the Kansas small employer health insurance law, a small employer has at least two and no more than how many eligible employees?K.S.A. 40-2209d
Under the legal actions provision Kansas requires in accident and sickness policies, no suit may be brought sooner than 60 days after written proof of loss is furnished. After how long is a suit barred?K.S.A. 40-2203(A)(11)
What premium does a terminated employee pay for the continuation of Kansas group health coverage under K.S.A. 40-2209?K.S.A. 40-2209(j)(3)
What premium may a Medicare supplement issuer charge a Kansan under 65 who has Medicare by reason of disability?K.S.A. 40-2221(d)
Which condition may a Kansas group policy providing hospital, medical or surgical expense benefits not treat as a preexisting condition under K.S.A. 40-2209?K.S.A. 40-2209(a)(6)
Marketing practices, fraud and penalties 12
A fraudulent insurance act in Kansas involves $30,000. Under K.S.A. 40-2,118 it is:K.S.A. 40-2,118(e)
A Kansas insurer notifies the commissioner of a pilot program offering a value-added service at no cost. It may proceed unless the commissioner objects within how many days of the notice?K.S.A. 40-2404(8)(b)(v)(G)
A person violates a cease and desist order the Kansas commissioner issued under the unfair trade practices law. The monetary penalty for each act may be as much as:K.S.A. 40-2411(a)
After a hearing, the Kansas commissioner finds that an agent engaged in an unfair or deceptive practice. Who bears the costs of the hearing under K.S.A. 40-2406?K.S.A. 40-2406(b)
For an unfair practice under K.S.A. 40-2404, a person who knew or reasonably should have known of the violation may be ordered to pay up to $5,000 for each act. What is the aggregate cap in any six-month period?K.S.A. 40-2407(a)(1)
K.S.A. 40-235 forbids an agent to make any misrepresentation to a person insured in any company for the purpose of inducing the policyholder to:K.S.A. 40-235(a)
Under a 2026 Kansas law the commissioner may bring a civil action against a person believed to have committed a fraudulent insurance act. By what standard must the commissioner prove it?2026 House Bill 2323, Sec. 1 (K.S.A. 40-2,119a)
Under K.S.A. 40-2404(8), a Kansas producer may give a customer a non-cash gift in connection with a sale so long as its cost does not exceed:K.S.A. 40-2404(8)(b)(vi)(A)
What may a Kansas insurer not ask an applicant for life or accident and health insurance who is the proposed insured?K.S.A. 40-2404(7)(d)
Which condition must a Kansas producer's raffle or drawing meet under K.S.A. 40-2404(8)?K.S.A. 40-2404(8)(b)(vi)(B)
Which inducement does K.S.A. 40-2404(8)(c) forbid a Kansas producer to offer?K.S.A. 40-2404(8)(c)
Which practice does K.S.A. 40-2404(7) name as unfair discrimination in life insurance?K.S.A. 40-2404(7)(e)
Guaranty association 10
An employer owns many nongroup life policies on its officers with one insolvent member insurer. Whatever the number of policies, the Kansas guaranty association covers that one holder for not more than:K.S.A. 40-3008(q)(2)(E)(ii)
For health insurance, the Kansas guaranty association covers $300,000 for disability income insurance and $300,000 for long-term care insurance. What is its limit for health benefit plans?K.S.A. 40-3008(q)(2)(B)
How does the Kansas life and health insurance guaranty association raise the funds to pay benefits and continue coverages?K.S.A. 40-3002(b)
How many member insurers sit on the board of directors of the Kansas life and health insurance guaranty association?K.S.A. 40-3007(a)
The Kansas life and health insurance guaranty association covers up to $300,000 in life insurance death benefits on one life. What is its limit for net cash surrender and withdrawal values of life insurance?K.S.A. 40-3008(q)(2)(A)
On one life, the Kansas life and health insurance guaranty association covers the present value of annuity benefits up to:K.S.A. 40-3008(q)(2)(C)
Under K.S.A. 40-3005, which member insurer is an insolvent insurer?K.S.A. 40-3005(i)
What must a member insurer deliver to the policyholder with a new life or health policy under K.S.A. 40-3013a?K.S.A. 40-3013a(b)
Which accounts does the Kansas life and health insurance guaranty association keep for administration and assessment?K.S.A. 40-3006(a)
Which organization is not a member insurer of the Kansas life and health insurance guaranty association?K.S.A. 40-3005(j)
How this list was compiled: Kansas Statutes Annotated, chapter 40 (Insurance), articles 1, 2, 2c, 4, 7, 22, 24, 27, 30, 49 and 50, read on October 15, 2026 on the site of the Kansas Office of Revisor of Statutes (https://www.ksrevisor.gov/ksa.html), whose text includes the laws of the 2025 session. Sections the 2026 session changed were read in the enrolled 2026 Senate Bills 20, 23 and 55 and House Bills 2323 and 2540 on the Kansas Legislature's site (Senate Bill 23: https://kslegislature.gov/li/b2025_26/measures/sb23/). The topics follow the Kansas statutes and regulations parts of the KS Life Producer, KS Accident and Health and KS Life and Accident and Health Producer outlines in the Kansas Insurance Content Outlines, effective March 1, 2025 (https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121703.pdf), the outline of the examinations whose passing score the Kansas Department of Insurance sets. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course, a study guidebook or an exam question pool.
How it works
The Kansas life and health insurance exam gives 40 of its scored questions to Kansas statutes and regulations. These 125 unofficial questions, our own, cover that law from chapter 40 of the Kansas Statutes. Not affiliated with the Kansas Department of Insurance.
Read the full guide
What the Kansas law parts cover
The content outline splits the 40 into 18 questions common to all lines (the commissioner, definitions, licensing, marketing practices, the guaranty association), 11 for life only and 11 for health only. Taken alone, the Life exam and the Accident and Health exam each carry 34 law questions of 84.
A Kansas health and life insurance license study guide to the statutes
In Kansas a misstatement bars a claim only if it contributed to the loss (K.S.A. 40-418, 40-2205). Sections the 2026 Legislature changed are asked from the acts themselves. Topics that rest on Kansas Administrative Regulations, such as policy replacement, the right to return a policy and annuity suitability, are not asked.
A failed examination may be retaken after a wait of not less than seven days (K.S.A. 40-241).
Individual life policies carry a grace period of not less than 30 days; group life, 31 days (K.S.A. 40-420, 40-434).
Kansas group health continuation runs 18 months after at least three months of coverage (K.S.A. 40-2209).
Questions and answers
How many questions are on the Kansas life and health insurance exam?
The combined exam, KS Life and Accident and Health Producer, has 140 scored questions plus 14 pretest questions in 150 minutes. The Life exam and the Accident and Health exam each have 84 scored and 11 pretest questions in 90 minutes.
What is the passing score for the Kansas insurance exam?
The candidate handbook gives 70 percent for each examination, a score the Kansas Department of Insurance sets. A combined exam is reported as one score, so both lines are passed or failed together.
Does Kansas require prelicensing education for the insurance exam?
No. The candidate handbook says Kansas does not have a pre-licensing education requirement. Exam scores are valid for two years, and an applicant must be at least 18 years of age (K.S.A. 40-4905).
How many continuing education hours does a Kansas insurance agent need?
A minimum of 18 C.E.C.s every two years, with at least three hours of instruction in insurance ethics, due by the last day of the agent's birth month (K.S.A. 40-4903 and 40-4902).
Is this life and health insurance practice test for KS the real exam?
No. The questions are our own, written from the Kansas Statutes. This site has never seen the state exam, and the Department did not write or review them. Exam mode draws 40 questions, the size of the combined exam's Kansas law parts.