- You need 70% correct on 140 scored questions to pass the KS-PC exam.
- The exam has 154 total questions, but 14 unscored pretest items don't count toward your score.
- You get 150 minutes for the full exam, roughly 58 seconds per question on average.
- Failing candidates must wait seven calendar days before scheduling a retake.
The Passing Score, In Plain Numbers
If you're preparing for the Kansas Property & Casualty Insurance Producer Exam (KS-PC), the number you actually need to memorize is simple: 70%. That's the passing score set by the Kansas Department of Insurance for the combined Property & Casualty and Allied Lines Producer exam, administered through Pearson VUE. There's no sliding scale, no curve, and no partial credit for reasoning through a question - you either answer enough items correctly or you don't.
What trips people up isn't the percentage itself, it's understanding what that percentage applies to. The exam delivers 154 multiple-choice questions total, but only 140 of those are scored. The remaining 14 are pretest questions the Department of Insurance uses to evaluate future exam content - they look identical to real questions, but they don't count for or against you. So your 70% threshold is calculated against 140 scored items, not the full 154 you'll see on screen.
For a broader breakdown of everything the exam covers before you get to scoring mechanics, the KS-PC Study Guide 2026 walks through a full first-attempt preparation strategy, and the KS-PC Certification Cost breakdown covers the money side of the process in more detail.
How the 70% Score Actually Gets Calculated
Pearson VUE delivers the exam as a fixed-length, closed-book, computer-based test. You won't see an adaptive format where difficulty shifts based on your answers - every candidate sitting for the same version of the exam sees a comparable structure of 154 questions pulled from the same content outline. Because the passing score is a straight percentage of scored items, there's no benefit to skipping questions you're unsure about; guessing on a question you don't know costs you nothing extra, but leaving it blank guarantees it's wrong.
Since the pretest items are indistinguishable from scored ones, don't waste mental energy trying to identify which questions "don't matter." Instead, pace yourself against the clock: 150 minutes across 154 questions works out to a little under a minute per question on average. That's a comfortable pace if you know the material, but it leaves almost no room for questions you have to puzzle through from scratch - which is exactly why domain-level preparation matters more than last-minute memorization.
Key Takeaway
Answer every question, even uncertain ones. There's no penalty for wrong answers, and an educated guess beats a blank response every time.
Why Domain Weight Matters More Than Raw Question Count
Because your score is a single combined percentage across all content, not a pass/fail gate per section, the smartest way to protect your 70% is to weight your study time the same way the exam weights its questions. The outline, effective March 1, 2025, breaks the exam into ten domains. For a complete walkthrough of each one, see the KS-PC Exam Domains 2026 guide - but here's how the weighting shakes out:
| Domain | Weight |
|---|---|
| 4. Types of Policies, Bonds, and Related Terms | 16.4% |
| 1. Types of Policies | 15.7% |
| 7. KS Statutes & Regs Common to Life, Health, Property, and Casualty | 13.6% |
| 2. Insurance Terms and Related Concepts | 10.7% |
| 5. Insurance Terms and Related Concepts | 10.7% |
| 3. Policy Provisions and Contract Law | 9.3% |
| 6. Policy Provisions | 8.6% |
| 8. KS Statutes & Regs Common to Property and Casualty Only | 5.0% |
| 9. KS Statutes & Regs Pertinent to Property Insurance Only | 5.0% |
| 10. KS Statutes & Regs Pertinent to Casualty Insurance Only | 5.0% |
Notice that Domains 4 and 1 together account for roughly 32% of the exam - nearly a third of your score rides on knowing policy types, bonds, and related terminology cold. Combine that with the two Insurance Terms domains (2 and 5) at 10.7% each, and terminology-heavy content makes up more than half the exam. If you're wondering whether the exam leans harder toward statutes or toward core insurance concepts, the answer is clear: concepts and policy types dominate, while the four Kansas-specific statute domains (7, 8, 9, and 10) combine for 28.6%.
Domain 4: Types of Policies, Bonds, and Related Terms (16.4%)
The single largest domain on the exam. Candidates need to distinguish between policy structures, understand how bonds function differently from standard insurance contracts, and recognize related terminology precisely enough to answer scenario-based questions.
- Highest point value of any domain - under-preparing here is the single biggest risk to your 70%
- Overlaps conceptually with Domain 1, so strong prep here reinforces both
Domains 7-10: Kansas Statutes and Regulations
Split across four domains by insurance line, these sections test state-specific rules rather than general industry knowledge. Because Kansas has no prelicensing education requirement, many candidates go straight from the KS-PC eligibility requirements into self-study, making these statute domains the section most likely to be skipped or under-studied.
- Domain 7 alone (13.6%) covers rules shared across all license lines
- Domains 8, 9, and 10 are narrower (5.0% each) but still add up to a meaningful share
If you want a sense of how these weights translate into perceived difficulty, How Hard Is the KS-PC Exam? compares the domain structure against candidate feedback in more depth.
Exam Format, Timing, and Pretest Questions
The KS-PC exam is entirely multiple-choice and closed book - no reference materials, no notes, no outside tools. You'll sit for it either at a physical Pearson VUE testing center or remotely through OnVUE, though if you're taking the Spanish-language combination exam, remote testing isn't an option; that version is test-center only.
Here's the full shape of what you'll face on exam day:
- 154 total questions - 140 scored, 14 unscored pretest items mixed in without identification
- 150 minutes total time allotted
- 70% passing threshold applied only to the 140 scored questions
- Closed-book, computer-based delivery through Pearson VUE
Because the pretest questions are unmarked, there's no strategy for "spotting and skipping" them - every question deserves full attention. This is also why raw question count on a practice exam matters less than accuracy under realistic time pressure. Running full-length timed sessions on our practice test platform before exam day is the closest simulation you'll get to the actual pacing you'll need.
Registration, Fees, and Retake Rules
The combined KS Property & Casualty and Allied Lines Producer exam costs $64 to sit for through Pearson VUE. That single fee covers the full 154-question, 150-minute exam - there's no separate charge for the property versus casualty portions since they're delivered together as one combined exam.
Kansas doesn't require prelicensing education, which means there's no mandated classroom or course hours before you can register and sit for the exam. What Kansas does require, separate from the exam itself, are administrative steps: a tax clearance, fingerprinting, a background waiver, and the license application. None of these affect your exam score, but all of them affect whether you can actually get licensed after passing - the full requirements breakdown covers each step in sequence.
What Happens If You Fail
If you don't hit 70%, Kansas requires a seven calendar day waiting period before you're eligible to retest. That's short compared to many other licensing timelines, but it still means you should use the week productively - pull your score report, identify which domains dragged your percentage down, and concentrate the retake study window there rather than re-reviewing everything from scratch. For a data-driven look at how retakes and first-attempt outcomes tend to play out, see the KS-PC Pass Rate 2026 analysis.
Key Takeaway
Seven days isn't much time to relearn an entire domain. If you fail, target the two or three weakest domains from your score breakdown rather than restarting your whole study plan.
Mapping Study Time to the Score You Need
Since 70% is a fixed bar regardless of how you get there, the most efficient path is to allocate study time in rough proportion to domain weight - spend the most time on Domains 1 and 4 (Types of Policies and Types of Policies, Bonds, and Related Terms), moderate time on the Insurance Terms domains and Domain 7's statutes, and lighter review passes on the narrower 5.0% statute domains.
Policy Types & Bonds (Domains 1 & 4)
- Build a working vocabulary of policy structures and bond terminology
- Drill scenario questions distinguishing similar policy types
Core Concepts & Provisions (Domains 2, 5, 3, 6)
- Reinforce insurance terminology used across both Terms domains
- Study policy provisions and contract law fundamentals
Kansas Statutes (Domains 7-10)
- Focus first on Domain 7 given its 13.6% weight
- Cover property-only and casualty-only statutes (Domains 9 & 10) last
Timed Practice & Review
- Run full 150-minute timed practice exams
- Review missed questions by domain, not just overall score
This kind of domain-weighted approach is covered in more depth in the KS-PC Study Guide, and if you'd rather see the full content outline laid out domain-by-domain before building your own schedule, the Exam Domains guide is the better starting point. Once you've built a plan, checking dates and scheduling windows on the KS-PC Exam Dates page helps you set a realistic target test date.
Frequently Asked Questions
You need 70% correct on the scored portion of the exam - that's roughly 98 correct answers out of the 140 scored questions (the exam includes 154 total, but 14 are unscored pretest items).
Only the 140 scored questions count toward your percentage. The 14 pretest questions are mixed in throughout the exam without being labeled, so you should answer every question as if it counts.
You get 150 minutes to complete all 154 questions, which averages to just under a minute per question. That leaves little room for questions you have to work through slowly, so accuracy built through practice matters more than speed alone.
You must wait seven calendar days before scheduling a retake through Pearson VUE. Use that time to review your score report by domain and concentrate on the sections where you scored weakest rather than restudying everything.
A passing score remains valid for two years. If you don't complete the remaining licensing steps - tax clearance, fingerprinting, background waiver, and application - within that window, you'll need to retake the exam.