Kentucky has about 4.6 million people, and 18.0% of them are 65 or older. Our Kentucky leads come from Coverfolk quote forms filled out by people in Louisville, Lexington, Bowling Green, Elizabethtown and the towns in between.
Who to call
Kentucky homes are some of the lowest priced of our states, with a median value of $226,000, and 68.1% of homes are lived in by the owner. That keeps mortgage protection and final expense policies small and easy to place. Kentucky has the latest start of any state we sell in: sales calls can begin at 10 AM, not 8 AM.
Calling rules
A short summary, checked against the statute. Not legal advice. Federal rules apply too.
24 hours every 2 years, with 3 hours of ethics. Regulator: Kentucky Department of Insurance.
10 AM to 9 PM every day, at the called person's local time.
The same price list as every state we sell in. Aged from $1.50. Bad numbers swapped in one tap.
Questions
Call from 10 AM to 9 PM at the lead's local time. Kentucky starts 2 hours later than the federal 8 AM rule.
Source: National Do Not Call Registry
Kentucky makes telemarketing companies register each year with the Attorney General. Whether a licensed insurance agent is exempt is not clear in the current law, so ask the Attorney General's office before you start calling.
Source: Kentucky Department of Insurance
A Kentucky agent needs 24 hours of continuing education every 2 years. At least 3 hours must be ethics, and at least 6 hours must match your lines of authority.
Source: Kentucky DOI continuing education requirements · KRS 304.9 continuing education statute
Final expense, mortgage protection and veteran leads. 18.0% of people are 65 or older. 68.1% of homes are lived in by the owner, median value $226,000.
Source: Census QuickFacts
Your leads in Kentucky read our sister site first: Life insurance in Kentucky on Coverfolk.
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Other states
