Amend KRS 304.1-050 and 304.1-110 to make technical amendments; amend KRS 304.2-160 to define "licensee"; amend KRS 304.2-220 to modify persons who are subject to examination by the insurance commissioner; amend KRS 304.4-040 to apply license revocation for failure to pay tax or fee to licensees; amend KRS 304.5-080 to define "inland marine insurance" and repeal the definition of "marine and transportation insurance"; amend KRS 304.9-035 to provide for an insurer's liability for acts of its adjusters; amend KRS 304.9-051 to provide that certain individuals working for an administrator are not acting as an administrator; amend KRS 304.9-105 to modify financial responsibility requirement for an agent license; amend KRS 304.9-133 to establish individual designation requirements for licensed business entities; amend KRS 304.9-085 to conform; amend KRS 304.9-135 to modify the definition of "insurance agency activities"; amend KRS 304.9-140 to establish nonresident license requirements for nonresidents with a limited line of authority that is not offered in this state; repeal the requirement to surrender a license upon termination; amend KRS 304.9-170 to modify prelicensing education and examination exemption for applicants licensed within previous 12 months; amend KRS 304.9-200 to repeal refund of appointment fee upon license refusal; amend KRS 304.9-230 to repeal the surety limited line of authority and establish preneed funeral limited line of authority; amend KRS 304.9-260 to repeal the requirement to send license renewal list to an insurer or employer; require proof of compliance with continuing education requirements for nonresident independent or public adjusters; repeal the requirement to surrender license upon termination; amend KRS 304.9-270 to repeal approval requirement for specialty credit producers and managing employees; amend KRS 304.9-295 to require nonresident independent and public adjusters that designated Kentucky as their home state to satisfy continuing education requirements; modify requirements for continuing education certifications; repeal license surrender and reissuance requirement; repeal and reenact KRS 304.9-436 to provide that authorized insurers shall not do business with unlicensed persons; amend KRS 304.13-346 to require property insurers to offer an optional policy provision to upgrade the roof structure of non-FORTIFIED dwellings; amend KRS 304.13-400 to repeal workers' compensation insurance deductible range; amend KRS 304.14-120 to conform; amend KRS 304.15-365 to establish requirements for optional maturity dates offered for individual deferred annuities; amend KRS 304.17A-600, 304.17A-607, 304.17A-617, and 304.17A-623 to define "adverse benefit determination" and "coverage denial"; repeal definition of "adverse determination"; require internal appeal for adverse benefit determinations; require external review for adverse benefit determinations, other than coverage denials; amend KRS 304.17A-619, 304.17A-621, and 304.17A-625 to conform; amend KRS 304.99-020 and 304.99-100 to repeal civil penalties and renewal requirements for specialty credit producers and managing employees; make technical amendments throughout.