Do You Need a Pre-Licensing Course for the Kansas Life & Health Exam? (2026)

No. Kansas does not require pre-licensing education to sit for the Life, Accident & Health or combined Life and Accident & Health producer exam, or to hold a producer license in those lines. You need no course, no certificate and no minimum number of classroom hours before you book the exam.

Four primary sources point the same way:

• The statute. K.S.A. 40-4905(b) lists the conditions for a resident license: the applicant is at least 18, has committed no act that is grounds for denial, suspension or revocation, has paid the application fee set by the commissioner, and has passed the exam for each line of authority applied for. Education is not on the list.
• The regulation. K.A.R. 40-7-13(a) says the exam tests Kansas law, general insurance and the specific classes of insurance applied for. It names no course or classroom hours.
• Pearson. Its Kansas candidate handbook states: "Kansas does not have a pre-licensing education requirement."
• The Kansas Department of Insurance (KDOI). Its Producer Examinations page says Kansas "does not mandate pre-licensing education" and that you can take the exam without buying study materials or joining an in-person or online study course.

1. Be at least 18 and have committed no act that is grounds for denial.
2. Pass the exam. The combined exam costs $64; a single-line exam costs $57. You may apply before you sit it or after you pass, and a score is valid for two years.
3. Pay the application fee: $10 in 2026. The commissioner resets it each December 1 for the next calendar year, and the statute caps it at $30.
4. Be fingerprinted. The statute says the commissioner "may" require fingerprints and a criminal history check, but both Pearson and KDOI list it as a standard step for every new resident applicant, so plan on it. The background check processing fee is $60, which makes $70 with the application fee. KDOI's Topeka office and six Department of Children and Families locations take fingerprints at no cost; Pearson charges $20 for digital fingerprinting at its Overland Park, Topeka and Wichita test centers. KDOI and Pearson publish different figures for how long fingerprints stay usable, so confirm with KDOI at (785) 296-7862 before you book them early.

Required fees in 2026 therefore total $134 ($64 exam, $10 application, $60 background check) before any study materials. How much a Kansas Life & Health license costs covers renewal and the rest.

Kansas does require education, but after the license rather than before the exam:

• Continuing education: 18 hours every two years, including 3 hours of ethics.
• Annuity training: a one-time four-credit course approved by the Commissioner before you sell annuities, which have been under a best-interest standard since January 1, 2024. A producer who does not sell annuities needs no annuity training to keep the Life line.
• Long-term care partnership policies: four hours of initial training before you sell, solicit or negotiate them, then at least one hour in each biennium.

LanePrep is exam preparation, not a state-approved or state-required pre-licensing course. Kansas asks for no proof of any course, so nothing you do with LanePrep is needed to apply. What it offers is an optional way to cover the exam outline: audio lessons you can play on a commute, plus practice questions with explanations. Chapter 1 is free, no signup. Next, read how hard the exam is and what is on it.