Course Features

Kentucky Adjuster License Exam-Prep Course

Course Description

AE21’s “Kentucky’s Adjuster License Exam-Prep Course” provides the fastest and most effective learning experience to prepare for and pass the Kentucky Adjuster License Exam. The course is specifically designed to address the needs of both entry-level and experienced adjusters seeking licensure. Completion is self-paced and provides the ultimate flexibility in whatever learning style that suits you best. For instance…

If you are new to the world of insurance, the course introduces you to its products and policies and to the adjusting profession. You will be exposed to both principles and practices, and you’ll be required to interact with course material in order to gauge your level of understanding as you move through the program. On the other hand, if you have experience in insurance and/or adjusting, the course allows YOU the flexibility to pick the subjects/lessons you need to study and in what order you wish to follow.

The course comes complete with tips, strategies and unlimited Practice Exams to fully prepare you to PASS the Kentucky Adjuster Licensing Exam. Each time you take the Practice Exam, the course randomly selects another group questions, in just the right amount “per subject area”, just like the official Kentucky exam; and at the conclusion of each Practice Exam, the system provides correct/incorrect feedback on each question and refers you to the section of exam outline from which the question was drawn.

Are you “Old School” and prefer paper? If so, we’ve got you covered there too. In the Course Materials you will find, among other helpful documents, the Adjuster Licensing Study Manual. In addition to addressing the material in the online course, this manual provides more than 500 pages of easy to read text covering the insurance products, policies, and claims handling practices that go well beyond what’s needed to pass the state licensing examination. For those who want to know more, the Adjuster Licensing Study Manual is provided as an easily accessed additional resource, including additional practice exam questions that are not provided in the online course. You can even download, print, and bind for repeated use later on after you have your license.

Finally, and as an added bonus, we have captured key terms, concepts, issues, and laws in a printable format called Quick Notes. (If you’ve ever used the popular “Cliffs Notes” in high school or college, you’ll quickly recognize the format and benefit.) These Quick Notes can be accessed from the Course Description page anytime you log in to the course. Use the ‘bookmark’ feature within the PDF document to locate and/or print individual lessons of your choice. These Quick Notes can serve as an excellent study aid!

Study any way you want, and any time you want! The course is self-paced, so go as fast or slow as you wish. When you logout, the course always remembers where you were when you left off. Then, when YOU are confident and ready to take the Kentucky Adjuster Licensing exam, go for it! Good Luck!


  1. Introduction and Instructions
  2. Insurance Regulations and Licensing
  3. Insurance Basics, Principles and Concepts
  4. Adjusting Losses
  5. Dwelling and Homeowners Insurance
  6. The Personal Auto Policy (PAP)
  7. Commercial Package Policies (CPP)
  8. Commercial Property Policies
  9. Commercial General Liability (CGL) Insurance
  10. Commercial Crime Insurance
  11. Fidelity and Surety Bonds
  12. Equipment Breakdown (fka Boiler & Machinery) Insurance
  13. Farm Insurance
  14. Businessowners Policy (BOP)
  15. Workers’ Compensation
  16. Umbrella & Excess Policies
  17. Professional & Specialty Liability Coverages
  18. Personal Inland Marine
  19. Flood Insurance
  20. Aviation Insurance
  21. Personal Watercraft (i.e. Boatowners) Insurance
  22. Earthquake Insurance
  23. Mobile Home Insurance
  24. Crop Insurance
  25. Difference in Conditions (DIC) Insurance
  26. Residual Markets
  27. Kentucky State Law Addendum
  28. THE Kentucky Adjuster License Practice Exam


For the low cost of $175 you will receive:

  • 100% Online and Self-Paced Study Course
  • Printable Adjuster Practices Manual and State Law Addendum
  • Mock Practice Exams With Unlimited Retakes… a New Exam Every Time!
  • 1-year Access
  • Subject-Matter Support from Our Claims Experts
  • Technical Support



Frequently Asked Questions

If more time is needed to complete the course beyond the provided 1-year access period, extensions may be available with an administrative charge of $25 per 30 days. To be eligible for an extension, such a request must be received within 60 days of the course’s expiration date.

To request an extension, you can submit a support ticket or call our office at 800-820-4550.
  • Be at least 18 years old
  • Be trustworthy and of good reputation
  • Be financially responsible
  • Be competent to exercise the license
  • Have an office accessible to the public
Kentucky does NOT require pre-licensing education. However, a comprehensive course of study such as AE21 Online's Kentucky License Exam Prep Course is highly recommended to ensure passing the state exam.
Due to the nature of the program, a certificate is not issued upon completion.

This program is a flexible study aid that can be used at your discretion and in the way that best suits you to prepare for the Kentucky adjuster licensing exam. Many choose to go through the entire program, complete every lesson in order, and then take the practice exam a few times. However, it is also possible to use the course to study only specific areas... for example, a seasoned adjuster who just moved to Kentucky and now needs a Kentucky license may only need to study up on Kentucky's unique laws and regulations. Therefore, it is not even necessary to fully "complete" the program.

As noted in the FAQ above, a pre-licensing course/certificate is not required to sit for the state test.
For detailed information regarding your Kentucky adjuster’s license application, click HERE
For information regarding exam sites, schedules, and registration, click HERE.

Yes, Kentucky resident adjusters are required to complete 24 hours of Continuing Education, 3 of which must be certified as “Ethics”, every 2 years.

AE21 Online is proud to offer Kentucky Continuing Education. To learn more about our Kentucky CE courses, click HERE.

Yes. Kentucky grants reciprocal licenses to adjusters who are licensed in their home state or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination.