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Indiana Life Insurance — License Examination Requirements

US-IN · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Business Entity Insurance Producer License — Life

An agency license; its designated responsible licensed producer must hold the same line of authority.

Licensing authority: Indiana Department of Insurance · Application information

Business entity renewal
No examination is required for this applicant pathway.
Continuing education
IC 27-1-15.6-7(d) places CE requirements on resident individual producers, not on the entity.
Duration
Two-year term; expiration on the last day of the month of issuance.
Fees
Submit renewal application and resident fee $40 or nonresident fee $90, unless retaliatory fees apply.
Responsible producer
Maintain the designated individual producer with the same lines of authority.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity issuance by reciprocity
No examination is required for this applicant pathway.
Application
Submit the uniform business application and $90 application fee, unless retaliatory fees apply, plus processing fee.
Home license
Entity home license must carry the same Life line of authority requested in Indiana.
Responsible producer
Designate an individual responsible licensed producer with the same lines sought.
Secretary of state
IDOI says registration with the Secretary of State is not required before applying; contact that office before conducting business.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial issuance
No examination is required for this applicant pathway.
Application
Submit the business application and $40 application fee plus processing fee.
Entity
Corporation, general or limited partnership, or limited liability company; sole proprietors need a tax identification number other than their Social Security number.
Formation
Provide certified articles of incorporation and register with the Indiana Secretary of State.
Responsible producer
Designate an individual responsible licensed producer with the same Life authority as the entity seeks. The individual license is a condition, not a new examination of the entity.

Official no-examination sources

Effective from 2026-09-22.

Designated Home State Insurance Producer License — Life

Available only if the applicant home jurisdiction does not require licensure for the requested line; this survey does not investigate any other jurisdiction.

Licensing authority: Indiana Department of Insurance · Application information

Designated home state license renewal
No examination is required for this applicant pathway.
Continuing education
Meet the continuing-education requirements applying to a resident producer for the same line.
Home jurisdiction
Home jurisdiction does not license the line for which Indiana DHS authority is maintained.
Renewal fee
Pay applicable renewal fees and maintain license eligibility.

Official no-examination sources

Effective from 2026-09-22.

Limited Line Credit Insurance Producer License

Limited-line producer authority including credit life and mortgage life insurance; credit lines are surveyed only as the limited life-related form of producer practice.

Licensing authority: Indiana Department of Insurance · Application information

Resident limited line Credit issuance
No examination is required for this applicant pathway.
Application
Submit license application and fee.
Scope
Limited line credit insurance, including credit life and mortgage life; an individual or business entity may apply.
Training
An insurer offering limited line credit insurance must provide its approved instruction program to individuals whose duties include selling, soliciting or negotiating it.

Official no-examination sources

Effective from 2026-09-22.

New limited line application after expiration exceeding twelve months
No examination is required for this applicant pathway.
Application
Submit the new license application and applicable fee.
Expiration
License expired more than 12 months; a new application is required.
Limited credit
Credit requires no prelicensing education or examination.
Residence
Nonresident applicant; maintain corresponding home-jurisdiction authority in good standing.

Official no-examination sources

Effective from 2026-09-22.

Nonresident issuance based on corresponding home authority
No examination is required for this applicant pathway.
Application
Submit the reciprocal nonresident application and applicable fee.
Home license
Current corresponding home-jurisdiction qualification in good standing.
Scope
For limited lines, Indiana grants the same scope as the home license. Variable authority additionally requires the Life qualification and securities-registration conditions.

Official no-examination sources

Effective from 2026-09-22.

Reinstate lapsed limited line authority within twelve months
No examination is required for this applicant pathway.
Continuing education
IDOI lists this limited line as exempt from CE, so no outstanding CE assessment is triggered.
Expiration
Reinstate within 12 months of expiration.
Fees
Submit renewal/reinstatement application and the required renewal fee and penalty.

Official no-examination sources

Effective from 2026-09-22.

Renewal of limited credit authority
No examination is required for this applicant pathway.
Continuing education
IDOI lists Credit and Funeral Director/Prearranged Funeral authority as having no CE requirements.
Maintenance
Maintain the limited scope of the authority.
Renewal
Pay the required renewal fee and submit the renewal application by the due date.

Official no-examination sources

Effective from 2026-09-22.

Limited Lines Producer License — Prearranged Funeral Insurance

Conversion from a life qualification to authority solely for prearranged funeral insurance, for a licensed funeral practitioner.

Licensing authority: Indiana Department of Insurance · Application information

Conversion of Life authority to limited prearranged funeral authority
No examination is required for this applicant pathway.
Education
Provide proof of at least 10 approved CE hours on the active producer license.
Entity
IDOI also describes the conversion for business entities; its individual CE and funeral-director requirements are stated for the licensed individual producer.
Funeral qualification
For an individual, hold a funeral director license with the Indiana Professional Licensing Agency.
Prior license
Hold an active Life or Life, Accident & Health producer license in Indiana.
Request
Submit a signed letter requesting conversion to the limited Funeral Director line; thereafter sell only prearranged funeral insurance.

Official no-examination sources

Effective from 2026-09-22.

New limited line application after expiration exceeding twelve months
No examination is required for this applicant pathway.
Application
Submit the new license application and applicable fee.
Expiration
License expired more than 12 months; a new application is required.
Limited credit
Funeral authority requires conversion of an active Life or Life and Health qualification, individual funeral-director licensure and 10 approved CE hours.
Residence
Nonresident applicant; maintain corresponding home-jurisdiction authority in good standing.

Official no-examination sources

Effective from 2026-09-22.

Nonresident issuance based on corresponding home authority
No examination is required for this applicant pathway.
Application
Submit the reciprocal nonresident application and applicable fee.
Home license
Current corresponding home-jurisdiction qualification in good standing.
Scope
For limited lines, Indiana grants the same scope as the home license. Variable authority additionally requires the Life qualification and securities-registration conditions.

Official no-examination sources

Effective from 2026-09-22.

Reinstate lapsed limited line authority within twelve months
No examination is required for this applicant pathway.
Continuing education
IDOI lists this limited line as exempt from CE, so no outstanding CE assessment is triggered.
Expiration
Reinstate within 12 months of expiration.
Fees
Submit renewal/reinstatement application and the required renewal fee and penalty.

Official no-examination sources

Effective from 2026-09-22.

Renewal of limited funeral authority
No examination is required for this applicant pathway.
Continuing education
IDOI lists Credit and Funeral Director/Prearranged Funeral authority as having no CE requirements.
Maintenance
Maintain the limited scope of the authority.
Renewal
Pay the required renewal fee and submit the renewal application by the due date.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Life, Retired Status

Existing Life producer license retained solely for commissions on business written before retirement, with an approved exemption from continuing education.

Licensing authority: Indiana Department of Insurance · Application information

Renew license in retired status
No examination is required for this applicant pathway.
Continuing education
Approved retirement exemption remains valid only while eligible.
Practice
No new business and no servicing of any new or existing policies.
Renewal fees
Continue paying license renewal application fees to keep the license active.

Official no-examination sources

Effective from 2026-09-22.

Enter retired status with CE exemption
No examination is required for this applicant pathway.
Application
Submit notarized exemption form for IDOI approval outside the 90-day renewal application period.
Eligibility
Insurer requires retention of the license to collect commissions on business written before retirement.
Practice
Do not solicit or service any policy or policyholder.
Status changes
Notify IDOI of any change in retirement status.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License — Life

Commissioner-authorized temporary servicing of an insurance business, limited to no more than 180 days.

Licensing authority: Indiana Department of Insurance · Application information

Temporary issuance: entity successor
No examination is required for this applicant pathway.
Discretion
Commissioner must consider the temporary license necessary to service an insurance business.
Duration
No more than 180 days; for sale of a deceased producer business, expires on disposition of that business.
Eligibility
Member or employee of a licensed business entity following death or disability of its designated individual.
Limits
Commissioner may restrict authority, require a licensed producer or insurer sponsor, impose protective conditions and revoke the license if the public interest is endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance: military designee
No examination is required for this applicant pathway.
Discretion
Commissioner must consider the temporary license necessary to service an insurance business.
Duration
No more than 180 days; for sale of a deceased producer business, expires on disposition of that business.
Eligibility
Designee of a licensed individual producer entering active military service.
Limits
Commissioner may restrict authority, require a licensed producer or insurer sponsor, impose protective conditions and revoke the license if the public interest is endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance: public interest
No examination is required for this applicant pathway.
Discretion
Commissioner must consider the temporary license necessary to service an insurance business.
Duration
No more than 180 days; for sale of a deceased producer business, expires on disposition of that business.
Eligibility
Another circumstance in which the commissioner determines issuance best serves the public interest.
Limits
Commissioner may restrict authority, require a licensed producer or insurer sponsor, impose protective conditions and revoke the license if the public interest is endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary issuance: survivor
No examination is required for this applicant pathway.
Discretion
Commissioner must consider the temporary license necessary to service an insurance business.
Duration
No more than 180 days; for sale of a deceased producer business, expires on disposition of that business.
Eligibility
Surviving spouse or court-appointed personal representative of a deceased or mentally/physically disabled licensed individual producer.
Limits
Commissioner may restrict authority, require a licensed producer or insurer sponsor, impose protective conditions and revoke the license if the public interest is endangered.

Official no-examination sources

Effective from 2026-09-22.