Get An Indiana Health And Life Insurance License: A Guide

If you're looking to become a health and life insurance agent in Indiana, there are a few steps you'll need to take to get licensed. Firstly, you'll need to complete a pre-licensing education course, which is a requirement for all aspiring insurance agents in the state. These courses cover various insurance concepts, definitions, laws, and regulations, and typically require a minimum number of training hours. After completing your chosen course, you'll need to pass the Indiana Insurance License Exam, which is administered by Pearson VUE. This exam will cost you $69, and you'll need to score at least 70% to pass. Once you've passed the exam, you can apply for your insurance license through the Vertafore website, paying a non-refundable application fee of $40. It's important to note that you must be at least 18 years old and a resident of Indiana to obtain this license.

Pre-licensing education requirements

To obtain a health and life insurance license in Indiana, you must complete a pre-licensing education course from an approved education provider. The Indiana Department of Insurance (IDOI) requires potential agents to complete 20 hours of pre-licensing education for each line of authority.

The specific hour requirements are as follows:

• Life, Accident and Health – 40 hours
• Life Line of Authority: 20 hours
• Life & Health Line of Authority: 40 hours

The pre-licensing course will cover various insurance concepts, definitions, insurance laws, and agent regulations listed on the Indiana Examination Content Outlines. Courses are presented in a clear and concise format and include instructional videos, interactive illustrations, practice exams, and student support.

Upon passing the pre-licensing course final exam, you will be awarded a Certificate of Course Completion. This certificate is valid for six months, during which you will need to pass your licensing exam and submit your application for licensure.

You may be exempt from pre-licensing education requirements if you hold at least one of the following professional designations or degrees:

• Chartered Life Underwriter (CLU)
• Certified Financial Planner (CFP)
• Chartered Financial Consultant (CFC)
• Chartered Property and Casualty Underwriter (CPCU)
• Certified Insurance Counselor (CIC)
• Accredited Advisor in Insurance (AAI)
• Bachelor's Degree in Insurance

To request a waiver, email [email protected] with the following information:

• Your name as it appears on your driver's license
• The license qualification you are applying for (Life, Accident & Health; Property & Casualty; Personal Lines; Life; or Accident & Health)
• A photocopy of your designation certificate or degree

Examination

The Indiana insurance license examination is administered by Pearson VUE. The exam costs range from $50 to $69 depending on the line of authority in question. The Life & Health examination, for example, costs $69. The passing score for all examinations has been set at 70% by the Indiana Department of Insurance.

The examination tests the candidate’s knowledge of the line(s) of authority, duties and responsibilities of a licensee, and the Indiana insurance laws and administrative rules. The exam will cover both a general section with basic insurance product knowledge and a state section with specific insurance laws, rules, regulations, and practices that are unique to Indiana.

The amount of time and number of questions on the exam will vary depending on the line of insurance being tested. Exams will be 1–3 hours long and can have 35–150 questions. The Life & Health exam, for example, is 3 hours long and has 150 questions.

You can schedule your state exam through the Pearson VUE website or by calling (866) 895-0496. Exams may be taken in-person at a Pearson VUE testing site or remotely. Remote exams are taken on your own computer via OnVUE, Pearson VUE’s remote testing platform.

If you are taking the exam in person, you will need to report to the testing center 30 minutes before your exam time for the check-in process and present a valid government-issued ID. No personal items are allowed in the testing center. All personal items, including bags and wallets, will have to remain in your vehicle or be checked into provided storage. Cell phones, calculators, electronic devices, and wrist watches are not allowed. Food, chewing gum, and tobacco products are also prohibited, but you are allowed to have a beverage. You must stay in the testing center for the duration of the exam and no breaks are allowed.

If you are taking the exam remotely, you will need a computer or laptop that is compatible with OnVUE. You must be alone in a private room for the duration of the exam, and the surface your computer is on must be clear of all objects. You cannot have a phone, headphones, or a wristwatch on you while you are taking the exam. Food, chewing gum, and tobacco products are prohibited, but you are permitted to have a beverage.

All exams are monitored by a third party to ensure all testing requirements are followed. The monitors can answer questions that do not pertain to the content of the exam via live chat. If technical issues occur, the proctor is there to resolve the issues in real time. If the proctor cannot resolve the issue, they will file a case on your behalf, and your exam will be rescheduled. Pearson VUE will provide either a reimbursement or a voucher for a new exam appointment.

Candidates taking a remote exam are allowed only one attempt. All subsequent examination attempts must be taken in person at a Pearson VUE testing center.

Application process

The application process for an Indiana health and life insurance license involves several steps, each with specific requirements. Here is a detailed breakdown of the application process:

Step 1: Complete a Pre-Licensing Course

To be eligible for the Indiana insurance license exam, you must finish a pre-licensing course that has been certified by the Indiana Department of Insurance. This course will cover various insurance concepts, definitions, insurance laws, and agent regulations. The course can be taken online or through self-study, and you will need to pass the final exam to receive a Certificate of Course Completion. This certificate is valid for six months, so you must take your licensing exam and apply for your license within this period.

Step 2: Register and Pass the Indiana Insurance License Exam

After successfully completing your pre-licensing course, you must register for the state insurance exam with Pearson Vue. This exam costs $69, and you need to score at least 70% to pass. Remember to bring your Certificate of Course Completion and a valid photo ID to the testing centre.

Step 3: Submit Your Insurance License Application

Once you have passed the exam, you can apply for your insurance license. The application must be submitted online through either Sircon Indiana or the National Insurance Producer Registry (NIPR). There is a non-refundable application fee of $40. As part of your application, you will need to provide proof of your eligibility to work in the United States by submitting the relevant documentation to the Indiana Department of Insurance.

Step 4: Wait for Application Review and License Issuance

After submitting your application, you will need to wait for it to be processed and reviewed. This typically takes around three to five weeks. The issuance of your insurance license may take longer if there are any items from your background check that require further examination. The state will notify you via email once the review is complete.

License types

The type of insurance license you need depends on the type of insurance policies you want to sell. For example, to sell auto, home, or business insurance, you'll need a Property & Casualty (P&C) license. Most insurance agents obtain either a P&C or Life and Health license, or both.

• Property & Casualty (P&C)
• Life and Health
• Personal Lines Property and Casualty
• Personal & Commercial Property and Casualty
• Title Line of Authority

If you want to work as an insurance adjuster, you'll need to obtain a separate license relevant to your chosen specialty. For example, independent adjusters need to pass the independent adjuster exam.

The Indiana Department of Insurance requires everyone that wishes to operate as an insurance producer to complete line-specific pre-licensing education. The number of hours of pre-licensing education required depends on the type of license:

• Life Line of Authority: 20 hours
• Life & Health Line of Authority: 40 hours
• Personal Lines Property and Casualty: 20 hours
• Personal & Commercial Property and Casualty: 40 hours
• Title Line of Authority: 10 hours

The certificate of completion issued after your pre-licensing course is valid for six months, during which you must pass your licensing exam and submit your license application.

License renewal

In Indiana, an insurance producer license is valid for a two-year period and must be renewed at a cost of $40. To renew your license, you must complete a minimum of 24 hours of continuing education every two years, including at least three hours of ethics training.

The Indiana Department of Insurance (IDOI) requires insurance producers to complete continuing education to ensure they stay up-to-date with industry developments and maintain a high level of professional competency. This requirement applies to both resident and non-resident license holders.

It's important to note that you must renew your license before it expires. Failure to do so may result in additional fees or the need to retake the licensing exam.

Additionally, if you hold multiple licenses, each license must be renewed separately, and the renewal fees will apply to each license.

Make sure to keep track of your license expiration date and complete the necessary continuing education requirements to ensure a smooth and timely renewal process.

Frequently asked questions