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The Kansas P&C exam, in one paragraph
The KS Property & Casualty and Allied Lines Producer exam (Pearson VUE code 12-KS-06) is the licensing exam for Kansas’s combined property and casualty producer authority, administered by Pearson VUE for the Kansas Department of Insurance. You will see 154 multiple-choice questions in 150 minutes: 140 are scored — 100 on general insurance knowledge and 40 on Kansas statutes and regulations — and 14 are unscored pretest questions you cannot identify. You pass with a score of 70%, reported as a single score for the whole combined exam. Kansas requires no pre-licensing education for this license, so the path is short on paper: pass the exam, complete the fingerprint background check and tax clearance, and file your application through NIPR. A passing score stays valid for two years.
Who can take the Kansas P&C exam?
Kansas keeps its eligibility list short, and the Department publishes the resident requirements as a checklist. To be licensed as a resident property and casualty producer, you must:
- Be at least 18 years old before applying for the resident producer license.
- Pass the appropriate licensing examination — this one, for the combined Property & Casualty and Allied Lines authority. Kansas licenses the lines as Property and Allied Lines and Casualty and Allied Lines; the combined exam qualifies you for both at once.
- Complete no pre-licensing education. Kansas does not have a pre-licensing education requirement. The candidate handbook says it directly, and the Department’s examinations page repeats it: you can take the licensing examination without purchasing exam preparation study materials or participating in an in-person or online course. Preparation is entirely your choice — which makes the quality of your preparation the variable you control.
- Obtain a Certificate of Tax Clearance from the Kansas Department of Revenue and submit it to the Department. Your application will not be processed until the certificate has been received.
- Be fingerprinted and submit to a criminal history background check, and electronically submit the Waiver Agreement and FBI Privacy Act Statement (the fingerprint waiver form) to the Department.
- Hold a valid Kansas driver’s license or ID card for verification — you upload clear color copies of the front and back through the NIPR Attachment Warehouse.
- Apply through NIPR with the NAIC Uniform Application for Individual Insurance Producer License, paying the application and background-check fees described in §5.
Two structural points that surprise candidates coming from other states:
- You may apply before or after the exam. Kansas expressly allows either order — candidates may apply in advance of taking the exam or after passing it. Most candidates test first, but an employer onboarding you on a schedule may prefer the application started early. Either way, every requirement must be completed, and exam scores are valid for two years from the date of the examination.
- Passing the exam is not the license. After the Department grants the license, each insurance company you will represent must appoint (certify) you before you can transact its business. Appointment is arranged with the carrier; the certification fee — $2 per appointment by a Kansas-domiciled company, $5 by a foreign-domiciled company — is paid by the insurance company, not by you.
There is no sponsorship requirement to sit for this exam, and no course certificate to present at the test center door. What gates the exam itself is a reservation, the fee, and identification that matches your registration — covered in §5 and §8.
The exam, piece by piece
The exam is a single sitting built from Pearson VUE’s Kansas content outline (publication #121703, effective March 1, 2025). The first six sections are general knowledge, split evenly between property (50 scored questions) and casualty (50 scored questions). The last four sections are Kansas law, and together they carry 40 of the 140 scored questions.
| Part / section | Scored questions | What it covers |
|---|---|---|
| General knowledge — Property | ||
| I. Types of Policies | 22 | Homeowners (HO-2 through HO-8), dwelling forms, commercial property and package policies, businessowners, inland marine, flood, farm owners, and other property forms |
| II. Insurance Terms and Related Concepts | 15 | Risk, hazards, perils, insurable interest, valuation, coinsurance, negligence and liability basics, binders and endorsements |
| III. Policy Provisions and Contract Law | 13 | Declarations, insuring agreement, conditions, exclusions, duties after loss, proof of loss, appraisal, subrogation, and the elements of a contract |
| General knowledge — Casualty | ||
| IV. Types of Policies, Bonds, and Related Terms | 23 | Commercial general liability, personal and business auto, workers’ compensation and employers liability concepts, crime, bonds, professional liability, umbrella and excess |
| V. Insurance Terms and Related Concepts | 15 | Casualty-side vocabulary: indemnity, insurable interest, loss valuation, negligence, liability, occurrence, damages, warranties and representations |
| VI. Policy Provisions | 12 | Casualty policy structure — declarations, conditions, exclusions, cancellation and nonrenewal provisions, supplementary payments, loss settlement |
| Kansas statutes and regulations | ||
| VII. Common to Life, Health, Property, and Casualty Insurance | 19 | The Commissioner of Insurance, licensing and appointments, maintaining a license, marketing practices (rebating, misrepresentation, false advertising, unfair discrimination), and the Property and Casualty Insurance Guaranty Association Act |
| VIII. Common to Property and Casualty Insurance Only | 7 | Renewal, nonrenewal, cancellation and delivery of contracts; rate filings and unfair discrimination in rates; excess and surplus lines producers |
| IX. Pertinent to Property Insurance Only | 7 | Unfair claims settlement practices, proof of loss, marine and inland marine, the Kansas FAIR Plan, crop, and flood insurance |
| X. Pertinent to Casualty Insurance Only | 7 | The Kansas Automobile Injury Reparations Act, uninsured/underinsured motorists coverage, accident prevention courses, the Kansas Automobile Insurance Plan, and workers’ compensation including the Kansas Workers Compensation Insurance Plan |
| Total scored | 140 | Plus 14 unscored pretest questions = 154 on screen |
Four structural facts that shape how you should prepare:
- The two Types of Policies sections carry 45 of the 100 general questions. Policy forms — what each one covers, excludes, and how it pays — are the exam’s center of gravity on the general side.
- Kansas law is 40 of 140 scored questions — nearly three in ten. It is also the most concrete material tested: named Kansas institutions, statutory duties, cancellation and rate rules, and the required coverages under the Automobile Injury Reparations Act. Candidates who prepare from a national textbook alone walk in underprepared for more than a quarter of the test.
- Section VII is the single largest Kansas block, at 19 questions. It is also the most portable knowledge on the exam: the Commissioner, licensing, marketing practices, and the guaranty association are the rules you will actually work under as a Kansas producer.
- There is one score, not ten. Pearson VUE reports your performance on the combined exam as a single result, and the handbook is explicit that on combination exams a candidate must pass the entire combined exam to qualify. A weak Kansas section can be offset by a strong general section — and the reverse is also true — but no section can be passed or failed on its own, and no section can be retaken on its own.
Pretest questions. The 14 pretest items are tryout questions Pearson VUE is evaluating for future exams. They are indistinguishable from scored questions, they do not affect your result, and there is no way to game them — the only correct strategy is to treat every question as scored.
Language. In addition to the English exam, a Spanish version of the combined Property & Casualty exam is offered at test centers; candidates select Spanish when making the reservation and can switch back and forth between Spanish and English during the exam. Candidates for whom English is a second language may also request additional time (1½ times the standard length) through Pearson’s ESL process, which must be approved before scheduling.
The passing standard, explained
You pass with a score of 70%.
Kansas states its standard the plain way: the passing score for each examination is 70%, it is determined by the Kansas Department of Insurance, and examination scores are based on the number of questions answered correctly. Two consequences follow:
This is not a scaled score. Some states convert raw results onto a scale where the passing number is not a percentage. Kansas does not describe its standard that way — 70% here means the passing proportion of correct answers across the scored exam, with the general and Kansas questions combined into the one score the handbook describes.
There is no penalty for a wrong answer. Because scores are based on the number answered correctly, the handbook’s testing policies make the practical point directly: it is always better to guess at an answer than to leave a question blank. On a 154-question screen, an unanswered question is the only answer that can never help you.
What your score report shows. You leave the test center with an official score report in hand, marked “pass” or “fail.” A passing report includes information on how to apply for a license. A failing report includes a numeric score and diagnostic information about your performance, plus information about reexamination — that diagnostic breakdown is the starting point for a retake plan (§7). Exam scores are also reported to NIPR and to State Based Systems (SBS) on behalf of Kansas candidates. For security reasons, examination material is not available for review after the exam — you cannot get your questions back, which is one more reason the diagnostic report matters.
Neither the candidate handbook nor the Department publishes a pass rate for this exam, so be wary of any site quoting you a precise Kansas P&C pass rate: there is no official figure behind it. What the handbook does tell you is the standard — 70%, set by the Department — and that is the number to prepare against.
Fees and registration, step by step
Keep the payments separate in your mind — they go to different places at different times, and only one of them is the exam fee.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Exam fee (combined exam 12-KS-06) | $64 | Pearson VUE | When you reserve your appointment |
| Criminal background check processing fee | $60 | Collected with your license application | When you apply through NIPR |
| License application fee | Paid through NIPR with the application — confirm the current amount when you apply (see the source note in §10) | Kansas Department of Insurance, via NIPR | When you apply |
| Exam fee (single-line exams, if taken separately) | $57 each | Pearson VUE | When you reserve |
The exam fee is non-refundable and non-transferable except as the change/cancel policy allows (§7 covers the timing). The application and background-check fees are likewise nonrefundable. If you use Pearson’s digital fingerprinting service at its Overland Park, Topeka, or Wichita test centers, that appointment carries its own reservation fee, separate from the $60 background-check processing fee; fingerprinting is also available through other approved locations, which may charge their own fee for taking the prints.
The sequence, in order:
- Reserve the exam. Create an account and book on Pearson VUE’s Kansas insurance page (pearsonvue.com/us/en/ks/insurance.html) or call 888-204-6255. Reservations must be made at least 24 hours before the desired exam date — appointments can be made up to one calendar day prior, subject to availability — and walk-in examinations are not available. Have ready your legal name, address, Social Security number, daytime telephone number, and date of birth. The name on your account must match your government-issued ID exactly; it is the name that will appear on your score report and licensing records. Pay the $64 fee at reservation by credit card, debit card, or voucher — fees are not accepted at the test center.
- Choose where to test. You may test at any Pearson VUE test center in the United States; Kansas candidates are not required to test in Kansas. Kansas centers listed in the handbook include Hays, Overland Park, Topeka, and Wichita, with additional authorized locations around the state. The Spanish version of the combined exam is available at test centers.
- Start the licensing paperwork — before or after the exam, your choice. Kansas allows candidates to apply in advance of taking the exam or after passing it. The application steps are: (a) apply for a Certificate of Tax Clearance from the Kansas Department of Revenue and submit it to the Department (your application will not be processed without it); (b) be fingerprinted, and electronically submit the Waiver Agreement and FBI Privacy Act Statement to the Department; (c) submit the NAIC Uniform Application for Individual Insurance Producer License online through NIPR, paying the application and $60 background-check fees by credit card or electronic check; and (d) upload clear color copies of the front and back of your valid Kansas driver’s license or ID card to the NIPR Attachment Warehouse.
- Take the exam. Arrive at least 30 minutes early with the two forms of identification described in §8. You receive your official score report before you leave.
- Finish the license, then get appointed. Once the Department receives your completed application and documentation and determines you are qualified, the license is granted. A license lets you hold the authority; an appointment by an insurance company — submitted through NIPR by the company, which pays the certification fee — is what lets you sell that company’s products.
After you pass
Passing starts a clock, but in Kansas it is a generous one — and because the state lets you apply before the exam, some candidates will already have most of this done.
- Score validity: two years. Licensing test scores are valid for two years from the date of the examination. Complete every application requirement inside that window; after it, the pass no longer supports an application.
- Fingerprints have their own shelf life. The handbook states that fingerprints — digital and paper — are valid for 365 days awaiting submission of the application, waiver form, and fees. If you were fingerprinted early in a long job search, check the date before assuming the prints still count.
- The tax clearance is not optional paperwork. The Department will not process an application until the Certificate of Tax Clearance has been received, and the certificate is valid for the period stated on it. Sequence it early enough that it is in hand when the rest of the application is ready.
- Appointment follows licensure. Advise each company you wish to represent of your qualifications and ask for certification (appointment). Companies submit appointments and terminations through NIPR and pay the certification fees ($2 for a Kansas-domiciled company, $5 for a foreign-domiciled company, per producer or agency appointed). Keep your own accurate record of the companies that have appointed you — the handbook makes that the producer’s responsibility.
- Then the license has to be maintained. Resident producers complete 18 hours of continuing education — including 3 hours of ethics — every two years, renew on the biennial schedule tied to their birth month and birth year, keep a current business email address on file with the Department (renewal notices are sent electronically only), and report changes of address and other required events within 30 days. None of that affects your exam, but it is the rest of the licensing picture this exam opens.
Retakes and score validity
- If you fail, you can test again — Kansas sets no limit on attempts. Two waiting rules apply: you must wait at least 24 hours before scheduling an appointment to retest, and you must wait at least seven calendar days before retaking the examination itself. The $64 exam fee applies to each attempt.
- Use the diagnostic report. A failing score report carries a numeric score and diagnostic information. Read it against the outline table in §3: a failure built on the Kansas sections is a different study problem from a failure built on policy forms, and the fix is different too.
- Change or cancel with notice. To change or cancel a reservation, call Pearson at 888-204-6255 at least 48 hours before the examination; with proper notice you may transfer the fee to a new reservation or request a refund. Without proper notice, the exam fee is forfeited. Candidates who are late or absent may, within 14 days of the exam date, request an excused absence for the reasons the handbook lists — illness, a death in the immediate family, a disabling traffic accident, a court appearance or jury duty, military duty, or a weather emergency.
- A passed exam is final. Passing is passing; the two-year validity clock runs from the exam date, and there is no mechanism — and no reason — to retake a pass to improve it.
- Related exams. If you already hold one line, the handbook maps the overlaps: the Property exam (12-KS-03) and the Casualty exam (12-KS-04) each relate to the combined 12-KS-06, and Personal Lines (12-KS-55) relates to all three. Candidates adding a line should confirm with Pearson or the Department which sitting they need rather than assuming a partial credit carries over.
Test day
- Arrive 30 minutes early to complete registration and check-in. You will be photographed for your score report and asked to review and sign the Candidate Rules Agreement. Pearson does not honor grace periods on identification or, in practice, on the schedule — a preventable problem at the door costs the appointment and the fee.
- Bring two forms of identification. The primary ID must be government-issued, photo-bearing, with a signature, and not expired — a driver’s license, state or national ID card, passport or passport card, or military ID, for example. The secondary ID must carry a valid signature — a Social Security card or a debit or credit card qualifies, as does a second primary-list document. Identification must be in English, the name must match your reservation, and an expired ID is treated as expired even if your state allows a renewal grace period. Candidates who have changed their names must bring written documentation of the change, such as a marriage license or divorce decree. Candidates who do not present the required items are denied admission, considered absent, and forfeit the fee.
- Leave personal items outside the testing room. Phones and other electronic devices, watches, wallets, purses, hats, bags, coats, books, notes, and pens or pencils may not enter. Personal items go in the secure storage the administrator directs you to, with electronic devices turned off. The test administrator provides the materials permitted for notes or calculations; you may not write on them before the exam begins or remove them afterward. Eating, drinking, chewing gum, and smoking are prohibited during the exam, and visitors — including children, family, and friends — are not allowed in the test center.
- The tutorial is free. Before the exam you get an opportunity to take a tutorial on the testing computer; time spent on it does not reduce your 150 minutes. The exam begins the moment you look at the first question and ends automatically when the time expires.
- Pace for 154, not 140. You have 150 minutes for everything on screen, including the 14 pretest items you cannot identify. That is just under a minute per question. Flag-and-return discipline matters — and remember there is no penalty for guessing, so no question should be left blank at the end.
- Results are immediate. When the exam ends, you leave the test center with your official score report in hand. If it did not print, or you later need a duplicate, you can view your score report by signing in to your Pearson VUE account.
How to study for this exam
The outline is the syllabus — Pearson VUE publishes exactly what the exam covers, section by section, and the weights above are question counts, not suggestions. A plan built on that structure:
- Start with the Kansas sections, and start with Section VII. Forty questions — nearly three in ten — come from Kansas statutes and regulations, and the largest single block (19 questions) is the one common to all lines: the Commissioner of Insurance and how the office is filled and what it can do, who must be licensed, appointments and terminations, maintaining a license, marketing practices from rebating to unfair discrimination, and the Property and Casualty Insurance Guaranty Association Act. This material rewards direct study of concrete rules, and it is the knowledge you will use first as a licensed producer.
- Learn the Kansas-specific institutions by name. The property-only and casualty-only sections test Kansas machinery that national materials barely mention: the Kansas FAIR Plan for property risks that cannot find coverage, unfair claims settlement practices, crop and flood rules on the property side; and on the casualty side the Kansas Automobile Injury Reparations Act — Kansas’s no-fault auto framework, with its required coverages, financial responsibility, and payment of benefits — plus uninsured and underinsured motorists coverage, the Kansas Automobile Insurance Plan, and workers’ compensation including the Kansas Workers Compensation Insurance Plan. If a name is in the outline, expect a question about what it does and whom it covers.
- Give the two Types of Policies sections their combined weight. At 45 of 100 general questions, policy forms decide the general half: homeowners and dwelling forms side by side, commercial property and package policies, the businessowners policy in both halves of the outline, personal and commercial auto, general liability, crime, bonds, and umbrella. Learn them comparatively — what each form covers, what it excludes, and how it pays a loss.
- Learn terms in context, not as a glossary. The two Terms and Related Concepts sections (30 general questions) test vocabulary through scenarios: valuation methods, coinsurance, negligence and its defenses, binders, warranties and representations. Definitions learned inside questions stick; definitions learned off a list leak.
- Practice at full length, against the clock. 154 questions in 150 minutes is a pacing skill separate from knowledge. Full generated practice exams at the real weights build both; short quizzes build only one.
- Read every explanation, especially for questions you got right. A right answer from a wrong reason is a wrong answer waiting for a different question. Explanations are where scenario knowledge actually forms.
- Schedule the exam when your simulations say so — consistently at or above the mid-70s on full simulations, with the Kansas sections no longer your weakest block, leaves room for a bad day against a 70% line.
This program’s Kansas practice bank (9,872 questions, including 2,378 on Kansas statutes and regulations) is built section-by-section on this same outline. The Kansas Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
Frequently asked questions
How many questions are on the Kansas P&C exam?
154 questions appear on screen in 150 minutes. 140 are scored — 100 general knowledge and 40 Kansas statutes and regulations — and 14 are unscored pretest questions mixed in so candidates cannot tell them apart.
What is the passing score for the Kansas insurance exam?
70%. The passing score is determined by the Kansas Department of Insurance, and scores are based on the number of questions answered correctly — a percentage standard, not a scaled score. On the combined exam you receive one score and must pass the exam as a whole.
Does Kansas require pre-licensing education for a P&C license?
No. Kansas has no pre-licensing education requirement for this license. The Department states that you can take the licensing examination without purchasing study materials or enrolling in any course; you prepare on your own, pass the Pearson VUE exam, and complete the application steps.
How much does the Kansas P&C exam cost?
The combined exam fee is $64, paid to Pearson VUE when you reserve. The license application carries its own state fees through NIPR — including a $60 criminal background check processing fee — paid when you apply, not to Pearson VUE. If you took the lines separately, each single-line exam would cost $57.
How do I register for the Kansas insurance exam?
Reserve through Pearson VUE’s Kansas insurance page or by calling 888-204-6255. Reservations must be made at least 24 hours before the exam date, walk-ins are not available, and the name on your account must match your government-issued ID.
Where do I take the Kansas insurance exam?
At a Pearson VUE test center. Kansas candidates may test at any Pearson VUE center in the United States — you do not have to test in Kansas. The combined exam is also offered in Spanish at test centers.
What do I do after I pass the Kansas P&C exam?
Complete the Department’s application steps if you have not already: Certificate of Tax Clearance from the Kansas Department of Revenue, fingerprinting with the waiver form submitted to the Department, and the NAIC Uniform Application through NIPR with the required fees and a copy of your Kansas driver’s license or ID. Kansas allows the application before or after the exam, but it must be completed while your score is valid.
How long is my Kansas exam score valid?
Two years from the date of the examination, per the Kansas Department of Insurance.
If I fail, how soon can I retake the Kansas exam?
You must wait at least seven calendar days before retaking the examination, and at least 24 hours before scheduling the new appointment. Kansas sets no limit on the number of attempts, and the $64 fee applies to each one. Your failing score report includes a numeric score and diagnostic information to rebuild your study plan around.
What Kansas-specific topics does the exam cover?
The 40-question Kansas block covers statutes common to all lines (the Commissioner, licensing, appointments, marketing practices, the Property and Casualty Insurance Guaranty Association Act), rules common to property and casualty (cancellation, nonrenewal and renewal, rate filings, surplus lines), property-only rules (unfair claims practices, the FAIR Plan, crop, flood), and casualty-only rules (the Automobile Injury Reparations Act, uninsured/underinsured motorists, the Kansas Automobile Insurance Plan, workers’ compensation).
Can I take the Property and Casualty lines separately?
Yes. Kansas offers the Property and Allied Lines exam (12-KS-03) and the Casualty and Allied Lines exam (12-KS-04) individually — 90 minutes and $57 each — as well as the combined exam (12-KS-06) covered in this guide. Candidates who need both lines usually take the combined sitting: one appointment, one $64 fee, one score.
What identification do I need on exam day?
Two forms of current signature identification: a primary government-issued ID with photo and signature, and a secondary ID with a valid signature. Both must be unexpired, in English, and in the name on your reservation.
Are PassProfessor’s questions the real exam questions?
No. Every question in the Kansas program is written by us, from scratch, to Pearson VUE’s published Kansas content outline and Kansas insurance law. Real exam questions are Pearson’s copyrighted property, and distributing or using them violates the candidate rules. (This program is exam preparation only — not pre-licensing education, provides no education credit, and is not affiliated with the Kansas Department of Insurance or Pearson VUE.)
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the Kansas Department of Insurance, Pearson VUE, or any state agency or exam vendor. This guide is general information about the Kansas licensing exam, current as of October 2026; Kansas Department of Insurance and Pearson VUE publications govern if anything here differs from them.