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Kentucky license lookup

How to check an insurance agent's license in Kentucky

Before you share your Medicare number or sign anything, take two minutes to confirm the agent is licensed in Kentucky. Here's where to look, and what you should see.

Last reviewed October 26, 2026. General information, not advice about any plan.

Look the agent up in Kentucky

  1. Ask for their full name and NPN

    Every licensed agent has a National Producer Number. A real agent will give it to you without hesitation.

  2. Open the Kentucky Department of Insurance's license lookup

    Kentucky agent license lookup. It's the official lookup from the Kentucky Department of Insurance. Choose "Individual," then search by name, NPN or DOI number (Kentucky's name for the license number).

  3. Check four things

    The status is active, the license is for Kentucky (resident or nonresident), it includes a health line of authority, and it hasn't expired.
Agents with our Verified badge have had these checks done by a person on our team, against the state's own records, and the badge shows the date. How we verify

What the results mean

Active
The license is current. This is what you want to see.
Inactive, expired or lapsed
The agent can't legally sell insurance in the state right now. Don't enroll through them.
Resident or nonresident
Resident means their home office is in Kentucky. Nonresident means they're based in another state and licensed to work here. Both are fine.
Line of authority
The kinds of insurance they can sell. For Medicare plans, look for Health or Accident & Health. Life-only isn't enough.
Regulatory or disciplinary actions
Some lookups list fines or other actions. One old, small action may not mean much; several, or a revoked license, is a reason to look elsewhere.

Extra steps for Medicare plans

A state license is the first check. For Medicare plans, two more things apply:

  • Appointment: the agent must be appointed by the insurance company whose plan you're choosing. Ask which companies they represent in Kentucky.
  • Yearly certification: agents who sell Medicare Advantage and Part D drug plans must complete each plan's training and testing every year.

Agents who sell for more than one company must also tell you, before discussing any plan's benefits, how many companies and plans they represent in your area. None of them works for Medicare.

Switching Medigap plans in Kentucky

Birthday rule. Within 60 days of your birthday, you can buy the same plan letter from a different insurer.

This applies to people who already have a Medicare Supplement policy. See every state's Medigap switching rule.

Medigap if you're under 65 in Kentucky

Required. Since January 1, 2024, Kentucky insurers must sell every Medigap plan they offer to people under 65 who have Medicare for any reason other than age (including disability and kidney failure/ESRD), with no health questions, waiting period or pre-existing condition exclusion, if you apply within 6 months of your Part B start (people already on Part B before 2024 had a one-time window from January 1 to June 30, 2024).

Price: Can't be more than the insurer's average premium for its policyholders 65 and older.

If you have Part B when you turn 65, you get a new 6-month Medigap open enrollment then. See every state's rule for people under 65.

If something looks wrong

Free, unbiased help in Kentucky: SHIP

Every state has a free Medicare counseling program. In Kentucky it's the Kentucky State Health Insurance Assistance Program (SHIP). Its counselors are trained, don't sell anything, and can help you compare your options or check what an agent told you, for free.

Free help that isn't an agent

Medicare.gov, 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048), or Kentucky State Health Insurance Assistance Program (SHIP) at 1-877-293-7447.

Common questions

What license does an agent need to sell Medicare plans in Kentucky?

A Kentucky insurance license with a health line of authority (often called "Accident & Health" or "Health"). To sell a particular company's plans, the agent must also be appointed by that company, and agents who sell Medicare Advantage or Part D plans must complete the plan's training and testing every year.

Can an agent from another state help me in Kentucky?

Yes, if they hold a Kentucky license. Agents based elsewhere get a "nonresident" license for each state they work in. It shows up in the Kentucky Department of Insurance's lookup the same way, marked nonresident.

Does it cost anything to check a license?

No. The lookup is free and open to the public, and you don't need an account.

What if I can't find the agent?

Check the spelling, try their National Producer Number (NPN) instead of their name, and ask whether their license is under a different legal name. If you still can't find an active license, don't share your Medicare number or sign anything, and contact the Kentucky Department of Insurance.

Nearby states

Agents often work across state lines. Check that they're licensed in the state where you live.

Keep reading

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