1.2 Indiana Producer Licensing Requirements

Step 1 — Pre-License Education

Indiana requires classroom or online pre-license education from an IDOI-approved provider before you may sit the exam.

The certificate of completion is valid for only 6 months. This is the most-missed deadline in the whole licensing process. You must pass your state exam and file your license application before that 6-month window closes. If it lapses, you repeat the entire pre-license course. Indiana's 6-month rule is shorter than many states' 12-month windows, so candidates who transfer in from other states frequently get caught.

Course content

The 40-hour combined course must cover: life insurance fundamentals; annuities and retirement products; accident and health (including disability and Medicare supplement basics); Indiana insurance law and IC Title 27 regulations; and ethics and producer responsibilities.

Education waivers

Applicants holding certain designations may be exempt from pre-license education (but not from the exam):

• CLU — Chartered Life Underwriter
• ChFC — Chartered Financial Consultant
• CFP — Certified Financial Planner
• CPCU — Chartered Property Casualty Underwriter
• CIC — Certified Insurance Counselor
• FLMI — Fellow, Life Management Institute

Note: A waiver removes the coursework, not the test. You still pass the full state exam, including the laws-and-regulations portion, and you bring waiver documentation to the test center.

Step 2 — The Licensing Exam

The exam blends a national/general section (policy types, contract law, underwriting) with an Indiana state-laws section. Many forms include unscored pretest questions mixed in with scored items — you cannot tell them apart, so answer every question.

Exam-day requirements

• Arrive 30 minutes early; late arrivals are treated as no-shows and forfeit the fee.
• Bring one (1) valid primary government-issued photo ID with a visible signature, in English and not expired (driver's license, passport, passport card, military ID, or permanent resident card). Pearson VUE does not recognize ID grace periods.
• The name on your ID must match your registration exactly; bring legal documentation (e.g., marriage license, divorce decree) if your name has changed.
• No phones, notes, or personal items at the workstation; the center provides an on-screen or basic calculator (no personal calculators).
• Bring waiver documentation if you used a designation waiver.

Worked example — fees add up

David fails on his first attempt (scores 64%, below the 70% cut). He reschedules. How much has David now paid in exam fees? Each attempt costs $69, so two attempts = $138, separate from the later $40 license application fee. There is no free retake in Indiana.

Retakes and the score report

The immediate score report shows pass/fail and, on a fail, a diagnostic breakdown by content area so you know which sections to study. Indiana requires candidates to wait 48 hours before retaking a failed examination; reservations for re-exams are made online or by phone with Pearson VUE, not at the test center. You schedule and pay $69 again for each attempt, and your 6-month pre-license certificate keeps ticking, so repeated failures can run out the clock and force you back into coursework. Plan to pass within that window.

OnVUE remote vs. test center

The OnVUE option lets you test from home with live online proctoring, but it imposes strict rules: a quiet private room, a clear desk, a webcam room-scan, and a reliable computer that passes a system test beforehand. Any interruption — a phone ringing, a person entering — can void the session with no refund. Many candidates prefer a Pearson VUE test center for a controlled environment. Either way, the same 70% standard and $69 fee apply.

Step 3 — License Application and Appointment

After passing, apply within the 6-month education window:

1. Apply online through Sircon (sircon.com/indiana) or NIPR (nipr.com).
2. Pay the application fee — $40 per resident line (Life; Health; Life and Health; Property & Casualty; etc.).
3. Submit before the pre-license certificate expires (6 months from course completion).

Warning: Miss the 6-month deadline and you must retake both the pre-license course and the exam. The clock starts at course completion, not at exam passing.

Basic eligibility

License types and authority

Appointments

A license lets you hold authority; an appointment lets you actually sell for a specific carrier. Each insurer you represent files an appointment with IDOI, and you cannot transact business for a carrier until that appointment is active. A licensed-but-unappointed producer who writes business commits a violation.

Common traps

• 40 vs 20 hours. Combined Life, Accident & Health = 40; each single line = 20.
• Deadline anchor. The 6-month clock runs from course completion, not from passing the exam.
• License ≠ appointment. You need both before you sell for a carrier.