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Indiana Insurance License Requirements

Do you want to become an insurance agent and get your Indiana insurance license? XCEL has taught thousands of aspiring insurance professionals in Indiana and we make it easy for you to get up to speed on the Indiana insurance requirements.

Indiana Insurance License SchoolIndiana Insurance License School

How To Obtain an Indiana Insurance Producer License

1. Complete the Pre-Licensing Course.

  • Life Only – 20 hours 
  • Accident & Health Only – 20 hours 
  • Life, Accident and Health – 40 hours 
  • Casualty Insurance – 20 hours 
  • Property Insurance – 20 hours 
  • Property and Casualty – 40 hours 
  • Personal lines - 20 hours 

Course Requirements

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter. 
  • Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter. 
  • Mandatory final exam  
  • Completion of this course satisfies the prelicensing education requirement. 

Certificate Information

To be eligible for a Certificate of completion, you must follow these steps:  

  • Complete the course and pass the final exam with a minimum score of 70%. 
  • Download and Print certificate through the “Transcript” tile on the user dashboard. 
  • Certificates are valid for 6 months. 
  • Course completion rosters are reported to SIRCON daily. 
  • Education providers are required to collect and report SSN. 
  • Roster fee: $4.00 which is collected during enrollment. 

2. Schedule the Indiana State Examination.

Online Proctored Exams:

  • You must check the compatibility of your computer before registering for the exam. https://home.pearsonvue.com/in/insurance/onvue
  • If your computer is not compatible with the online software, you will need to schedule your examination at a Pearson Vue test center.
  • Spanish exams are not available through OnVUE.
Limitation on Repeat Examinations:
  • Testing must be completed within 6 months of the Course Completion Date on the Certificate. 

3. Pass the State Exam

  • Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period. 
    • Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam. 
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.”  
  • On the day of testing, you must have the following items: 
    • An unexpired and valid government issued photo id.  
    • Candidates who have changed their names must provide written documentation of the change. This documentation may be a copy of a marriage license, divorce decree or other official legal documentation showing the name change. 
    • Valid Certificate(s) of completion – Electronic copies are acceptable.  

4. Apply for your License

  • Submit license application online through SIRCON www.sircon.com/indiana or NIPR www.nipr.com
  • Application fee $40
  • If applicant responds “yes” to one of the background questions, please submit supporting documents electronically via NIPR’s Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax. All other required documentation must be forwarded directly to the state.
  • NIPR does not verify exams prior to allowing submission of an application, however an exam is required prior to the state’s approval of the request.

Pearson Vue Exam Outlines 

DESCRIPTION Question Count % of Exam Questions
Life Health L&H Life Health L&H
Life Insurance
Types of Policies 15 0 15 19% 0% 11%
Policy Riders, Provisions, Options, and Exclusions 15 0 15 19% 0% 11%
Completing the Application, Underwriting, and Delivering the Policies 12 0 12 15% 0% 9%
Retirement and Other Insurance Concepts 8 0 8 10% 0% 6%
Health Insurance
Types of Policies 0 16 16 0% 20% 12%
Policy Provisions, Clauses, and Riders 0 15 15 0% 19% 11%
Social Insurance 0 6 6 0% 8% 4%
Other Insurance Concepts 0 5 5 0% 6% 4%
Field Underwriting Procedures 0 8 8 0% 10% 6%
Indiana Laws and Rules
Indiana Laws and Department Rules Common to All Lines of Insurance 20 20 20 25% 25% 15%
Life Regulations 10 0 8 13% 0% 6%
Health Regulations 0 10 7 0% 13% 5%
Total for all parts
Total Questions 80 80 135      
Maximum Time allowed to complete exam in minutes 120 120 150      
Passing Score 70 70 70      
DESCRIPTION Question Count % of Exam Questions
P&C P&C
Property and Casualty Insurance
Types of Policies 22 16%
Insurance Terms and Related Concepts 15 11%
Policy Provisions and Contract Law 13 10%
Types of Policies, Bonds, And Related Terms 23 17%
Insurance Terms and Related Concepts 15 11%
Policy Provisions 12 9%
Indiana Laws and Rules
Indiana Laws and Department Rules Common to All Lines of Insurance 23 17%
Surplus Lines Common to Personal and Commercial 2 1%
Personal Lines Regulations 5 4%
Commercial Lines Regulations 5 4%
Total for all parts
Total Scored Questions on Exam 135  
Maximum Time allowed to complete exam in minutes 180  
Passing Score 70  
DESCRIPTION Question Count % of Exam Questions
Personal Lines Insurance
Types of Property Policies 10 10%
Types of Casualty Policies 13 13%
Property and Casualty Insurance Terms and Related Concepts 28 28%
Property and Casualty Policy Provisions and Contract Law 24 24%
Indiana Laws and Rules
Indiana Laws and Rules Common to All Lines 18 18%
Personal Lines Regulations 7 7%
Total for all parts
Total Scored Questions on Exam 100  
Maximum Time allowed to complete exam in minutes 120  
Passing Score 70  

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Register for exam
3. Pass exam
4. Apply for license

Governing Agency

Name: Indiana Department of Insurance
Phone: 317-232-2389
Website: https://www.in.gov/idoi/licensing/
Address: 311 West Washington Street Suite 103 Indianapolis, IN 46204-2787

Indiana Insurance License Renewal and Compliance Requirements

XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.

License Renewal Timelines

Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years. 

  • On-going renewal periods are the last day of the agent’s birth month every two (2) years thereafter. 

Continuing education requirements must be met before submitting the license renewal application. 

Complete Required Continuing Education

Requirements Per License

Licensees renewing an Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics.  

Licensees renewing a Property, Casualty, Personal Lines licenses are required to complete 24 hours of approved continuing education before submitting their renewal application.

IC 27-1-15.7-2 

Specific Product Training Requirements

The Indiana Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.

Long-Term Care Training Requirements

  • Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance. 
  • Agents must also complete an approved 5-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance. 
  • The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement. 
  • Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course. 
  • Non-resident agents may complete these training requirements in any state. 

Annuity Best Interest Training Requirements

  • Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity course before selling, soliciting, or negotiating annuity products. 
  • Annuity Best Interest course credits count towards the agent's 24-hour CE requirement. 
  • Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Indiana. 

Flood Insurance (NFIP) Training Requirements

  • Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance. 
  • The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement. 

Course Requirements

  • Licensees can use independent self-study courses to fill all requirements. 
  • Licensees may take courses in any line of authority. 
  • Self-study exams are closed book and require a monitor/proctor. 
  • Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles. 
  • Excess credits of up to 12 hours earned in the previous biennial renewal period can be carried over to the next reporting period. Any excess is lost. 
    • CE hours completed in the Ethics or Long-Term Care course categories will not be applied as carry-over credits. 
    • Carry-over hours must be completed not more than 120 days before the renewal date of the Indiana resident insurance producer license. 

Reporting to your State

  • Students must provide their National Producer Number (NPN) to report on course completion. 
  • $5.00 per course is required to report course completions to your state. 
  • Course completions are reported within one business day. 

Renew your License

Resident and nonresident license renewal applications are processed through NIPR. A $40 renewal fee is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Helpful Resources

Indiana Department of Insurance
IDOI: Licensing
317-232-2413
AgentLicensing@idoi.in.gov
311 West Washington Street, Suite 103, Indianapolis, Indiana, 46204-2787