Indiana
Indiana insurance licensing: requirements, renewal, and agency rules
Indiana licenses producers and adjusters through the Indiana Department of Insurance (IDOI), with applications filed electronically or on the paper NAIC Uniform Application.
- Renewal cycle
- Every 2 years
- CE hours
- 24 hours (3 ethics)
- Application fee
- $40
- DOI phone
- 317-232-2389
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 licensed
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.
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.
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.
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.
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 | — |
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
Renewal & CE
Renewal window — License expires on the last day of the licensee's birth month, in effect since May 1, 2012. Renewal opens 60 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. |
For agencies and non-residents
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 →
Non-residents
Indiana grants non-resident producers the same scope of authority their home state licenses them for, with no prelicensing course or exam required. 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 through InsureTrek for a $90 fee, which can run higher under Indiana's retaliatory fee statute depending on what your home state charges Indiana residents.
Apply for a non-resident Indiana license through InsureTrek, plus the state fee.
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 2026-08-21. 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 2026-08-19
- 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 2026-08-21
- Pearson VUE – Indiana Candidate Handbook — accessed 2026-08-19
FAQs
How much does it cost to get an insurance license in Indiana?
IDOI's application fee is $40 for most resident producer licenses. On top of that, Pearson VUE charges $69 for exams like Life, Health, and Property & Casualty, or $50 for Surplus Lines, Public Adjuster, Bail/Recovery Agent, Navigator, and Laws & Regulations exams.
Do I need prelicensing education before the Indiana exam?
Yes, for most lines: 20 hours for Life or Health, 40 for Life & Health or full Property & Casualty, 20 for Personal Lines, and 10 for Title. Public Adjuster and Surplus Lines applicants skip prelicensing hours but need a Certificate of Test Eligibility or an existing P&C license instead.
Where do I take the Indiana insurance licensing exam?
Indiana uses Pearson VUE, run jointly with IDOI and Ivy Tech Community College. Register and review the candidate handbook at pearsonvue.com/us/en/in/insurance.html.
How do I look up or verify an Indiana insurance license?
IDOI publishes a producer license lookup tool on its website at in.gov/idoi; search by name or license number to confirm a license is active.
How long does it take to get an Indiana insurance license?
IDOI doesn't publish a fixed processing-time guarantee. Electronic applications move faster than the paper NAIC Uniform Application; check your status through IDOI's online lookup once you've applied.
Can I get an Indiana non-resident license without retaking the exam?
Yes. Indiana grants non-residents the same scope of authority as their home-state license, with no prelicensing course or exam required. The exception is the bail/recovery agent license, which isn't covered by reciprocity.
How much continuing education do I need, and how often do I renew?
Indiana licenses run on a 2-year cycle expiring on the last day of your birth month. Most lines require 24 CE hours per cycle, including 3 ethics hours for Life, Health, Variable Life, or Variable Annuity producers. Life license holders also need a one-time 4-hour annuity best-interest course, required since July 1, 2024.
Does Indiana license insurance adjusters?
Yes, two types. Independent Adjuster requires 40 hours of prelicensing, a $69 exam, and renews every 2 years with 24 CE hours. Public Adjuster requires an IDOI-issued Certificate of Test Eligibility before a $50 exam, and its license expires annually on December 31, renewing with a $50 fee and a surety bond continuation certificate.
See how InsureTrek handles Indiana licensing at scale.
Renewals, CE, and appointments tracked across every state your producers write in.