Kansas Insurance Department

What Kansas Insurance Department does

The Kansas Insurance Department is a state government regulatory agency established by the Kansas Legislature in 1871 and headquartered at 1300 SW Arrowhead Road in Topeka, Kansas. It regulates and reviews insurance companies selling policies in the state, licenses and registers insurance producers, agents, agencies, and firms, and—since the 2017 legislative merger with the Office of the Kansas Securities Commissioner—also oversees broker-dealer and investment adviser registration, securities offerings, and capital formation under the Kansas Uniform Securities Act. The department operates consumer protection services including an online complaint filing system, shopper's guides for auto, home, health, life, annuities, long-term care, and Medicare supplement insurance, and administers specialized programs such as the Firefighters Relief Act, the Senior Health Insurance Counseling for Kansas (SHICK) program, and the new Insurance Verification System (KIVS) launched in July 2026 for real-time insurance verification. Current Insurance Commissioner Vicki Schmidt was elected in 2018 and reelected in 2022.

The department's technology stack centers on a secure Company Desktop extranet portal for insurance company filings (anti-fraud plans, rate/form submissions), NAIC-based systems for consumer complaints and licensing lookups, and the Firefighters Relief Act online portal. It integrates with NAIC complaint systems, FINRA's CRD/IARD for broker-dealer and investment adviser registration, SEC's EDGAR for federal covered securities, and NASAA for coordinated multi-state securities regulation. New product launches in 2026 include the Kansas Consumer Prescription Protection System tracking pharmaceutical costs (insulin, GLP1, semaglutide) and a Special Enrollment Period system for consumers harmed by deceptive marketing, integrated with HealthCare.gov and the Marketplace Call Center. PBM (Pharmacy Benefits Manager) licensing and regulatory reform legislation was signed into law in April 2026.

The agency is funded entirely by industry fees rather than state general fund appropriations, though a Special Order fee moratorium for fiscal years 2026 and 2027 has eliminated securities filing fees, broker-dealer registration fees, and investment adviser annual fees. Operating geographies are limited to Kansas (Midwest United States). Leadership includes Commissioner Vicki Schmidt, Assistant Commissioners, a Chief of Staff, Deputy Chief of Staff, Chief Information Technology Officer, Chief Financial Officer, Chief of Actuarial Services, Chief of Securities Compliance, Chief of Securities Registration, and directors across Communications, HR, Enforcement, Government Affairs, Rate and Form Compliance, Consumer Assistance, Financial Surveillance, and Producer Licensing. Notable operational outputs include prevention of more than $10 million in financial fraud (FY2026), distribution of over $20.7 million to Kansas firefighters, and recoupment of $391 million in Medicaid drug rebate dollars during Schmidt's legislative tenure.

Name

Kansas Insurance Department

Legal name

Kansas Department of Insurance

Website

https://insurance.kansas.gov

Company type

Private

Founded year

1871

Operating status

Operating

Short description

The Kansas Insurance Department is a state government regulatory agency, established in 1871, that regulates insurance and securities companies, licenses producers and broker-dealers, and provides consumer protection and fraud prevention services to Kansas residents and industry participants.

Ownership category

akta.pro rank

Product category

State Insurance and Securities Regulation

NAICS

Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors (92615)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Product, Safety & Quality Compliance (incl. Regulatory Affairs) (BPAHAFAM)

akta.pro secondary industries

Regulatory & Compliance Law (BPAHAAAC), Internal Audit & SOX Compliance Services (BPAHABAG)

Keywords

• Insurance regulation
• Securities oversight
• Producer licensing
• Consumer protection
• Insurance compliance

Headquarters

HQ city

Topeka

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Industry Fees: The Kansas Department of Insurance Securities Division is an independent state agency funded entirely by industry fees. The agency generates revenue through registration and filing fees from broker-dealers, investment advisers, and securities issuers.

Pricing tiers

Distribution channels5 records

Marketing channels7 records

Core offering

The Kansas Department of Insurance regulates insurance and securities companies doing business in Kansas by examining them for financial solvency, licensing and registering insurance producers, agencies, broker-dealers, and investment advisers, and investigating consumer complaints and suspected fraud. It educates Kansas residents and industry professionals through consumer guides, investor education programs, and community outreach, and it administers specialized programs such as the Firefighters Relief Act and the Kansas Insurance Verification System.

Product overview

The Kansas Department of Insurance operates a comprehensive government services portal providing consumer protection, regulatory oversight, and licensing services for insurance and securities in Kansas. The core offering is the Consumer Portal featuring insurance shopper's guides (auto, home, health, life/annuities, Medicare supplement), online complaint filing through NAIC systems, and the Company Desktop secure extranet for industry filings. The Securities Division provides broker-dealer and investment adviser registration, capital formation support, and investor education through Smart Invest KS. Additional services include the Firefighters Relief Act administration portal, Life Insurance Policy Locator, Financial Exploitation Reporting, Independent Medical Review, and the newly launched real-time Insurance Verification System. The department also manages pharmaceutical cost reporting under the Kansas Consumer Prescription Protection Act and operates special enrollment period systems for Marketplace coverage. The portfolio combines consumer-facing guides and filing tools with regulatory compliance platforms for industry participants.

Differentiator

Problem solved

Functional benefit

Products and services

• Producer Licensing Resident and non-resident licensing services for insurance producers and agencies, including license issuance, renewal, company appointments, continuing education oversight, fingerprint and examination coordination, and Change/Service Forms for license surrender, resident state changes, inactive agent applications, and medical/military extensions.
• Securities Registration Services Registration and oversight of broker-dealers, agents, investment adviser firms, and representatives operating in Kansas through FINRA CRD and IARD systems, including examination requirements (Series 63, 66, 7), Form ADV filings, and capital formation guidance for entrepreneurs raising capital via Limited Offering, IKE, Accredited Investor, and other exemptions.
• Online Insurance Complaint Filing System NAIC-powered online complaint submission system available at sbs.naic.org enabling Kansas consumers to file complaints against insurance companies, agents, or agencies, with associated Consumer Assistance Division intake via the [email protected] channel and 800-432-2484 hotline.
• Kansas Insurance Verification System Real-time insurance verification system enabling instant verification of insurance coverage, supporting law enforcement and other authorized users to confirm a vehicle or individual's active insurance status.
• Company Desktop Secure extranet portal for insurance companies to file anti-fraud plans, submit rate and form filings, make company submissions, and conduct business with the Kansas Department of Insurance at insurance.ks.gov/codesktop.
• Firefighters Relief Act Portal Online services portal at insurance.ks.gov/secure/FRAOnline/ for Kansas Firefighters Relief Associations to submit financial statements, request benefit redeterminations, and manage FRA compliance.
• SmartInvestKS Investor Education Investor education initiative at SmartInvestKS.gov providing resources, workshops, and information to help Kansas residents build financial knowledge and protect against investment fraud, with dedicated Senior Investor Education programs.
• Life Insurance Policy Locator NAIC-powered service helping consumers locate life insurance policies and annuity contracts of deceased family members.
• Financial Exploitation Reporting System System required under the Protect Vulnerable Adults from Financial Exploitation Act for securities and insurance firms to report suspected financial exploitation of vulnerable adults.
• Independent Medical Review Process for reviewing disputed health insurance claim decisions through independent medical review, available to Kansas consumers whose health insurance claims have been denied.
• Innovative Partners Special Enrollment Period Time-limited enrollment system for affected consumers to obtain Marketplace coverage following deceptive marketing by Innovative Partners/American Collective, integrating with federal HealthCare.gov infrastructure.
• Kansas Consumer Prescription Protection System Pharmaceutical cost reporting and monitoring system established under the Kansas Consumer Prescription Protection and Accountability Act to track drug costs, insulin vs GLP1 costs, and semaglutide pricing across Kansas.

Quantifiable outcome

• Prevented more than $10 million from financial fraud in FY2026
• +2 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• National Association of Insurance Commissioners (NAIC)coreTechnology or Integration · 1 January 2017The Kansas Department of Insurance uses NAIC systems for consumer complaint filing (ofrs.naic.org), Life Insurance Policy Locator, and licensing lookups through the SBS Lookup Portal.
• Financial Industry Regulatory Authority (FINRA)coreTechnology or IntegrationFINRA Central Registration Depository (CRD) and Investment Adviser Registration Depository (IARD) systems are used for broker-dealer, agent, and investment adviser registrations in Kansas.
• U.S. Securities and Exchange Commission (SEC)coreTechnology or IntegrationSEC Regulation D, Form D filings, and EDGAR system integration for federal covered securities and coordinated regulation.
• North American Securities Administrators Association (NASAA)coreTechnology or IntegrationNASAA provides investor education resources, training materials, and coordinated securities regulation across states.
• FEMA National Flood Insurance ProgramcoreStrategic or Co-development PartnerThe department provides information and resources about federal flood insurance through FEMA's National Flood Insurance Program for Kansas residents.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• FINRA: Self-regulatory organization for broker-dealers whose CRD and IARD systems are used by Kansas to process broker-dealer, agent, and investment adviser registrations — directly comparable in registration/oversight function.
• U.S. Securities and Exchange Commission (SEC): Federal securities regulator that coordinates with Kansas's Securities Division through EDGAR and Regulation D filings — provides federal-level oversight context for the state-level securities functions.
• National Association of Insurance Commissioners (NAIC): National coordinating body for state insurance regulators that Kansas relies on for shared technology (complaint intake, policy locator, licensing lookups) — operates at broader scope across all 50 states.
• North American Securities Administrators Association (NASAA): National organization of state securities regulators; provides investor education and coordinated oversight that supports Kansas's securities division functions including broker-dealer and investment adviser registration.

Direct peers

• Texas Department of Insurance: Another large U.S. state insurance regulatory agency performing equivalent licensing, rate/form filing, consumer complaint, and market conduct oversight functions for insurers and producers within its state.
• New York State Department of Financial Services: Combined insurance and banking/securities regulator at the state level — directly comparable to Kansas's post-2017 merged insurance and securities oversight model, including similar licensing and enforcement functions.
• Florida Office of Insurance Regulation: State insurance regulator handling company licensure, rate/form review, market conduct examinations, and consumer assistance — a direct functional peer in the state insurance regulatory ecosystem.
• California Department of Insurance: State insurance regulator with overlapping mission of consumer protection, insurance company financial surveillance, producer licensing, and rate/form compliance; comparable structure and service portfolio.

Regional players

• Nebraska Department of Insurance: Adjacent Midwest state insurance regulator performing equivalent oversight of insurance companies, agents, and securities — comparable regional regulatory scale and structure.
• Missouri Department of Commerce and Insurance: Neighboring Midwest state insurance regulator with similar scope (company licensing, producer licensing, consumer assistance) — a regional peer with comparable operational scale and regulatory functions.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/KSinsurancedept
• Facebookfacebook.com/KSinsurancedept
• LinkedInlinkedin.com/company/kansas-insurance-department
• Instagraminstagram.com/kansasdoi

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Kansas Insurance Department