# 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 ![](/flags/in.svg)Indiana 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 [Reviewed Sep 5, 2026](#sources) 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 1. ### 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. 2. ### Register for and pass your exam Indiana uses [Pearson VUE](https://www.pearsonvue.com/us/en/in/insurance.html) 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. 3. ### Apply for your license The fastest path is to [apply through InsureTrek](https://app.insuretrek.com/signup) — we file your Indiana application for the state's $40 fee, pulled from NIPR at the moment of application. 4. ### Confirm your license is active Once IDOI processes your application, check your status through its online producer lookup at [in.gov/idoi](https://www.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](https://nipr.com/licensing-center/state-requirements/indiana-resident-licensing-individual), [NIPR — Indiana Resident Renewal, Individual](https://nipr.com/licensing-center/state-requirements/indiana-resident-renewal-individual), [NIPR — Indiana Non-Resident Licensing, Individual](https://nipr.com/licensing-center/state-requirements/indiana-non-resident-licensing-individual), [NIPR — Indiana Non-Resident Renewal, Individual](https://nipr.com/licensing-center/state-requirements/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](https://app.insuretrek.com/signup), plus the state fee. For the steps and fees in every state, see the [non-resident insurance license guide](/guides/non-resident-insurance-license). ## 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 →](/product/licensing) ## Official resources * [Indiana Department of Insurance — licensing](https://www.in.gov/idoi/licensing/) * DOI phone: 317-232-2389 ## Terms used on this page [All licensing terms →](/glossary) ## 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](https://www.in.gov/idoi/important-notices-producer-and-adjuster-licensing-division-2021) — accessed 2026-08-19 * [IDOI – Individual license renewal guidelines and requirements](https://www.in.gov/idoi/licensing/resident-license-renewal/individual-license-renewal-guidelinesrequirements/) — accessed 2026-09-05 * [IDOI – Licensing](https://www.in.gov/idoi/licensing/) — accessed 2026-08-19 * [IDOI – Non-resident agent licensing](https://www.in.gov/idoi/licensing/non-resident-agent-licensing) — accessed 2026-08-19 * [IDOI – Resident business entity licensing guidelines](https://www.in.gov/idoi/licensing/resident-business-entity-agency-licensing/resident-business-entity-licensing-guidelines) — accessed 2026-08-19 * [IDOI – Resident licensing guidelines and requirements](https://www.in.gov/idoi/licensing/resident-licensing/resident-licensing-guidelinesrequirements) — accessed 2026-08-19 * [Indiana Code § 27-1-15.6-14 (appointment requirement)](https://codes.findlaw.com/in/title-27-insurance/in-code-sect-27-1-15-6-14/) — accessed 2026-08-19 * [Indiana Code § 27-1-15.6-15 (termination notice)](https://codes.findlaw.com/in/title-27-insurance/in-code-sect-27-1-15-6-15/) — accessed 2026-08-19 * [NIPR – Indiana resident licensing (individual)](https://nipr.com/licensing-center/state-requirements/indiana-resident-licensing-individual) — accessed 2026-08-19 * [NIPR — Indiana Non-Resident Licensing, Individual](https://nipr.com/licensing-center/state-requirements/indiana-non-resident-licensing-individual) — accessed 2026-09-05 * [Pearson VUE – Indiana Candidate Handbook](https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121500.pdf) — accessed 2026-08-19 Switch stateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming ### Managing licenses for a whole team? InsureTrek tracks renewals, CE, and appointments across every state your producers write in — including Indiana. [Book a demo](/demo) ## 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. [Book a demo](/demo)