What type of insurance is excluded from a standard adjuster license in Kentucky?

In Kentucky, a standard adjuster license does not cover life insurance. This is because life insurance claims typically require a different set of skills and knowledge specific to the intricacies of life insurance policies, underwriting, and claims processes. Adjusters that work specifically with life insurance must obtain a separate license that is tailored to that particular field.

In contrast, auto insurance, homeowners insurance, and health insurance are generally covered under a standard adjuster license, as these types of policies often involve property and casualty claims that align closely with the training and competencies provided in the standard adjuster curriculum. Thus, those pursuing a career in adjusting will focus on gaining expertise in areas relevant to these types of insurance, while life insurance remains distinctly separate due to its unique characteristics.