Indiana Overview
Indiana licenses producers and adjusters through the Indiana Department of Insurance (IDOI), with applications filed electronically or on the paper NAIC Uniform Application. IDOI covers a wide range of individual license types, from standard Life, Health, and Property & Casualty lines to niche categories like bail/recovery agent, navigator, and title agent. Since May 1, 2012, license expiration has been tied to the producer's birth month rather than a fixed issue-date anniversary, and the state moved to a 24-hour continuing education requirement per two-year cycle in 2012.
How to get an Indiana insurance license
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Complete your prelicensing education
Hours depend on the line: 20 for Life, 20 for Health, 40 for Life & Health, 20 for Personal Lines P&C, 40 for full Property & Casualty, 10 for Title, and 40 for Independent Adjuster. Public Adjuster and Surplus Lines applicants skip prelicensing hours but need an IDOI-issued Certificate of Test Eligibility or an existing P&C license instead. Your prelicensing certificate is valid for 6 months, so schedule your exam within that window.
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Register for and pass your exam
Indiana uses Pearson VUE as its exam vendor, run jointly with IDOI and Ivy Tech Community College. Exam fees are $69 for Life, Health, Life & Health, Property & Casualty, Personal Lines, and Independent Adjuster; $50 for Surplus Lines, Public Adjuster, Bail/Recovery Agent, Navigator, and any standalone Laws & Regulations exam. Holders of designations like CLU, CFP, ChFC, CPCU, CIC, or AAI, or a bachelor's degree in insurance, can request a waiver of the Laws & Regulations exam.
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Apply for your license
The fastest path is to apply through InsureTrek — we file your Indiana application for the state's $40 fee, pulled from NIPR at the moment of application.
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Confirm your license is active
Once IDOI processes your application, check your status through its online producer lookup at in.gov/idoi rather than waiting on a mailed notice.
Prelicensing education
Life: 20 hours Health: 20 hours Life & Health: 40 hours Personal Lines P&C: 20 hours Property & Casualty (full): 40 hours Title: 10 hours Independent Adjuster: 40 hours Public Adjuster and Surplus Lines applicants don't need prelicensing hours — Public Adjuster candidates need an IDOI-issued Certificate of Test Eligibility instead, and Surplus Lines applicants must already hold a Property & Casualty license. Holders of CLU, CFP, ChFC, CPCU, CIC, or AAI designations, or a bachelor's degree in insurance, can request a waiver of the Laws & Regulations exam.
Exam
Vendor: Pearson VUE. Fees are $69 for Life, Health, Life & Health, Property & Casualty, Personal Lines, and Independent Adjuster exams; $50 for Surplus Lines, Public Adjuster, Bail/Recovery Agent, Navigator, and Laws & Regulations exams.
Indiana insurance license fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident individual producer license | $40 | $40 |
| Resident surplus lines producer license | $80 | — |
| Resident independent adjuster license | $40 | $40 |
| Resident business entity license | $40 | — |
| Non-resident individual producer license $90 applies when Indiana's retaliatory fee does not. Applicants from some home states pay more. | $90 | $90 |
Fees as of 2026-08-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: NIPR — Indiana Resident Licensing, Individual , NIPR — Indiana Resident Renewal, Individual , NIPR — Indiana Non-Resident Licensing, Individual , NIPR — Indiana Non-Resident Renewal, Individual
Indiana insurance license renewal
Renewal window — Indiana licenses renew every two years, expiring on the last day of your birth month (effective since May 1, 2012). Renewal opens 90 days before expiration.
Producers holding a Life license must also complete a one-time 4-hour annuity best-interest training course, required for renewals since July 1, 2024. Long-term care is a recognized CE course category, but check with IDOI or your CE provider for the current hour minimum.
24 total CE hours per renewal term , including 3 ethics hours .
The 3-hour ethics requirement applies to producers licensed in Life, Health, Variable Life, or Variable Annuity; producers holding several of those lines still only need 24 total hours to meet it.
| Line | Hours | Notes |
|---|---|---|
| Title Agent | 7 | Covers ethics, underwriting, escrow, and RESPA; at least 4 of the 7 hours must be structured or self-study. |
Non-resident insurance license in Indiana
Indiana grants non-resident producers the same scope of authority their home state licenses them for, with no Indiana prelicensing course or exam required. Apply through InsureTrek for $90, which can run higher under Indiana's retaliatory fee statute depending on what your home state charges Indiana residents. Bail/recovery agent licenses are excluded from this reciprocal treatment, and non-resident title agents who aren't licensed as such in their home state have a separate application path.
Apply for a non-resident Indiana license through InsureTrek , plus the state fee.
For the steps and fees in every state, see the non-resident insurance license guide .
For agencies
Agencies, appointments & DRLP
Indiana requires a separate business entity license for agencies, filed through InsureTrek for a $40 resident fee plus an online processing charge. Every entity must designate at least one Designated Responsible Licensed Producer holding lines of authority identical to those the entity is seeking.
A producer can't act as an insurer's agent without becoming an appointed producer of that insurer, under Ind. Code § 27-1-15.6-14. Appointment filing runs through the same electronic channels used for licensing.
Appointments — Deadlines: Under Ind. Code § 27-1-15.6-15, an insurer that terminates a producer's appointment must notify the commissioner within 30 days of the termination's effective date, then mail the producer a copy of that notice within 15 days of notifying the commissioner. For-cause terminations require certified mail or a nationally recognized overnight carrier. The producer then has 30 days after receiving notice to file written comments in response.
Managing DRLPs across states? See how InsureTrek handles it →
Official resources
- Indiana Department of Insurance — licensing
- DOI phone: 317-232-2389
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-09-05. Requirements change — verify current rules with the Indiana Department of Insurance or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- IDOI – Important notices, producer and adjuster licensing — accessed 2026-08-19
- IDOI – Individual license renewal guidelines and requirements — accessed 2026-09-05
- IDOI – Licensing — accessed 2026-08-19
- IDOI – Non-resident agent licensing — accessed 2026-08-19
- IDOI – Resident business entity licensing guidelines — accessed 2026-08-19
- IDOI – Resident licensing guidelines and requirements — accessed 2026-08-19
- Indiana Code § 27-1-15.6-14 (appointment requirement) — accessed 2026-08-19
- Indiana Code § 27-1-15.6-15 (termination notice) — accessed 2026-08-19
- NIPR – Indiana resident licensing (individual) — accessed 2026-08-19
- NIPR — Indiana Non-Resident Licensing, Individual — accessed 2026-09-05
- Pearson VUE – Indiana Candidate Handbook — accessed 2026-08-19