How to Get Your Indiana Insurance License in 2026
Indiana requires 20–40 pre-licensing hours and a Pearson VUE exam. No fingerprinting needed — one of the fastest, most streamlined paths to licensure in the country. Here's exactly what it costs, how long it takes, and what you need to know to pass.
Course Cost
$99 – $299
Time to License
3 – 8 weeks
Avg IN Salary
$62,000/yr
Required Hours
20 – 40 hours
Top 3 Indiana Insurance Pre-Licensing Schools
1. WebCEBest Value
Lowest verified Indiana price at $109.95 for Life & Health or P&C Exam Prep. 94% pass rate. AI-powered Exam Tutor add-on available. IDOI-approved with completions reported to Sircon daily. Note: mandatory $4 state filing fee added at checkout.
From $109.95
+ $4 filing fee
2. Kaplan Financial EducationMost Options
Four tiers from Basic ($139) to Career Launcher ($349). Live & OnDemand review sessions included in upper packages. Career Launcher adds the Insurance Accelerator course (12-month access). IDOI-approved — established brand since 1938.
From $139
L&H Basic
3. ExamFX
Three tiers: Self-Study ($169.95), Video Study ($219.95), and Live Online ($299.95). 94% pass rate claim with pass guarantee. 60-day course access. Available for L&H, P&C, and Personal Lines. IDOI-approved.
From $169.95
L&H Self-Study
Best Indiana Insurance Pre-Licensing Courses
All 5 schools are Indiana IDOI-approved. Price: Low to High.
Quick Price Comparison (Course Only)
WebCE
Best ValueStarting at
$109.95
- Lowest verified IN price: $109.95 for L&H Exam Prep
- 94% pass rate claim — AI-powered Exam Tutor available
- IDOI-approved — completions reported to Sircon daily
- Note: $4.00 mandatory state filing fee added per course
Available Packages (6)
Life & Health (40 hrs) — Exam Prep Complete Package
- IN Life & Health pre-licensing course (40 hrs)
- Practice exams + readiness assessment
- IDOI-approved certificate of completion
- +$4.00 state filing fee at checkout
Kaplan Financial Education
Most OptionsStarting at
$139
- Most study tiers — 4 options from Basic to Career Launcher
- Live & OnDemand review sessions included in top packages
- Career Launcher adds Insurance Accelerator (12-month access)
- IDOI-approved — established national brand since 1938
Available Packages (10)
Life & Health (L&H) — Basic
- IN L&H pre-licensing course (40 hrs)
- License Exam Manual (LEM) + QBank
- Online self-study or print format
- IDOI-approved certificate of completion
ExamFX
Starting at
$169.95
- 94% pass rate claim with pass guarantee
- Three tiers: Self-Study, Video Study, and Live Online
- Live Online includes instructor-led webinar sessions
- IDOI-approved — Pearson VUE exam prep included
Available Packages (9)
Life & Health — Self-Study Package
- IN L&H pre-licensing course (40 hrs)
- Online exam simulations & readiness exam
- IDOI-approved certificate of completion
- Instructor & technical support
A.D. Banker
Pass GuaranteeStarting at
$169.95
- State-approved prelicensing provider -- reports completions to regulator
- Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85)
- Pass Guarantee included on every package
- Industry-leading insurance educator
Available Packages (3)
Silver -- Online Course
- Full online course
- Unlimited chapter exams
- Simulated licensing exams
- Pass Guarantee
- PDF study manual
Xcel Solutions
Starting at
$199
- Proven 3-part system: Pre-license + Prep Review + Exam Simulator
- Premier adds Recorded Review Class + Flashcards
- Prepared to Pass Promise on Premier (full refund guarantee)
- IDOI-approved — dedicated IN course pages
Available Packages (6)
Life & Health — Standard
- IN L&H pre-licensing course (40 hrs)
- Prep Review Course + Exam Simulators
- Unlimited exam simulator retakes
- IDOI-approved certificate of completion
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Is an Indiana Insurance License?
An Indiana insurance license is a state-issued credential required by the Indiana Department of Insurance (IDOI) to legally sell insurance products in Indiana. All new producers must complete IDOI-approved pre-licensing education, pass the Pearson VUE state exam, and apply through NIPR or Sircon. Unlike most states, Indiana does not require fingerprinting or a background check — making it one of the fastest and most streamlined licensing processes in the country.
Indiana's most common licenses are the Life & Accident/Health combined license (40 hours pre-licensing — covers life insurance, health, disability, and annuities) and the Property & Casualty combined license (40 hours — covers auto, home, and business insurance). Agents who want to focus only on personal auto and homeowners can pursue the Personal Lines license (20 hours).
Life & Accident/Health
40 hours required
Life insurance, health, disability, annuities
Property & Casualty
40 hours required
Auto, home, business property & liability
Personal Lines
20 hours required
Personal auto, homeowners & renters only
No Fingerprinting Required in Indiana
Indiana is one of the few states in the country that does not mandate fingerprinting or a background check for insurance producer applicants. This means no scheduling a Live Scan appointment, no waiting for a background check to clear, and no extra $50–$70 fingerprint fee. Once you pass your Pearson VUE exam and submit your application, your license can be issued quickly. States like Florida, Pennsylvania, and California require fingerprinting — Indiana's streamlined approach is a real advantage for getting licensed fast.
How Much Do Indiana Insurance Agents Earn?
IN State Average
$62,000–$75,000/yr
Source: Indeed.com + ZipRecruiter (2025)
Top Producers
$95,000–$130,000+
Experienced independent agents with established books
Commission Structure
Property & Casualty
- • New business: 8–15% of annual premium
- • Renewals: 5–10% of annual premium
- Auto + home bundles build fast recurring revenue
Life Insurance
- • First-year: 50–100% of annual premium
- • Renewal trails: 2–5% per year
- Passive renewal income builds significantly over time
Health & Medicare
- • Medicare Advantage: $601/yr per enrollee (2025 CMS)
- • Renewal: ~$300/yr per enrollee
- Indiana's aging population drives growing Medicare demand
Salary Range by Career Stage
Entry Level
$35,000–$48,000
First 1–2 years, captive agent
Mid-Career
$62,000–$75,000
IN state average
Top Producers
$95,000–$130,000+
Independent P&C, life, Medicare
Top Indiana Insurance Markets
Is an Indiana Insurance License Worth It?
👍 Pros
- + No Fingerprinting: Indiana is one of the few states that doesn't require fingerprinting or a background check — saving you time and $50–$70 compared to most states.
- + Lower Pre-Licensing Hours: At 20–40 hours, Indiana's requirements are moderate compared to states like Florida (60–200 hours) or Texas (40 hours). You can be licensed in weeks, not months.
- + Growing Market: Indiana's population growth in the Indianapolis metro — especially in Carmel and Fishers — drives strong demand for all lines of insurance.
- + Recurring Income: Life and health agents build renewal commissions that compound into substantial passive income over years.
👎 Cons
- - Unique Retake Rule: Indiana allows only one online exam attempt via Pearson VUE. If you need to retake, all subsequent attempts must be in person at a test center — plan your preparation carefully.
- - Commission-Dependent Income: Most insurance agents earn primarily through commissions — income can be inconsistent in the first 1–2 years before you build a book of business.
- - State Law Component: Indiana's exam covers Indiana-specific regulations heavily. Candidates who skip dedicated state-law study often fail on the first attempt.
How to Get Your Indiana Insurance License
Choose Your Line(s) of Authority
Decide which type(s) of insurance you want to sell. Most agents choose either a Life & Accident/Health license (40 hrs) for life, health, and annuities, or a Property & Casualty license (40 hrs) for auto, home, and business insurance. The Personal Lines license (20 hrs) covers personal auto and homeowners for agents who don't need commercial P&C authority. You can hold multiple licenses and add lines later.
Complete Required Pre-Licensing Education
Enroll in an IDOI-approved pre-licensing course from providers like WebCE, Kaplan, ExamFX, or Xcel. Single-line licenses (Life, Health, Personal Lines) require 20 hours; combined lines (Life & Health, P&C) require 40 hours. You must pass the course's certificate exam with 70% or better. Note: Indiana charges a $4.00 state reporting fee per course — this is added at checkout by your provider and reported to Sircon.
Schedule and Pass the Pearson VUE Licensing Exam
After completing your pre-licensing course, register for your exam at pearsonvue.com/in/insurance or by calling (800) 274-2616. The exam fee is $69 for all major lines. Single-line exams (Life, Health) are 95 questions / 2 hours; combined-line exams (L&H, P&C) are 150 questions / 3 hours. You need a scaled score of 70 to pass. Important: You are allowed only ONE online proctored attempt per exam — all retakes must be in-person at a Pearson VUE test center. A 48-hour waiting period is required between attempts.
Submit Your License Application via NIPR or Sircon
After passing your exam, apply for your Indiana insurance license online through NIPR (nipr.com) or Sircon (sircon.com). The application fee is $40 + $5.60 transaction fee. Indiana does not require fingerprinting — no background check appointment needed. Ensure all information matches your government-issued ID exactly. Licenses are issued by IDOI and typically processed quickly.
Receive Your License and Get Appointed by a Carrier
Once IDOI approves your application, your license is active. To legally sell insurance, you must also be appointed by an insurance carrier or agency. Carriers submit appointment requests electronically through NIPR or Sircon. Many new agents start with captive carrier programs (State Farm, Allstate, Farmers) or as independent brokers working with multiple carriers. Your appointment activates your ability to write business for that carrier.
Maintain Your License — Complete CE and Renew Every 2 Years
Indiana insurance licenses renew every two years on the last day of your birth month. To renew, complete 24 hours of approved continuing education, including at least 3 hours of ethics. CE must be completed before submitting your renewal application via NIPR or Sircon. The renewal fee is $40. Additional training is required if you sell annuities (4-hr course), long-term care (8 hrs initial / 5 hrs renewal), or NFIP flood insurance (3 hrs).
Indiana Insurance License Requirements
Eligibility Requirements
- Must be at least 18 years old
- Must maintain a principal place of residence or business in Indiana
- Valid U.S. Social Security number required
- No college degree required
- No fingerprinting or background check required — Indiana does not mandate this
Pre-Licensing Hour Requirements
- Life (single line): 20 hours
- Accident & Health (single line): 20 hours
- Personal Lines: 20 hours
- Life & Accident/Health (combined): 40 hours
- Property & Casualty (combined): 40 hours
Exam Requirements (Pearson VUE)
- Pearson VUE — pearsonvue.com/in/insurance
- Single-line exams: 95 questions, 2-hour time limit, $69
- Combined-line exams: 150 questions, 3-hour time limit, $69
- Scaled passing score of 70 required on all exams
- One online attempt allowed — all retakes must be in person
Continuing Education
- 24 CE hours required per 2-year renewal cycle
- Minimum 3 hours of ethics required every renewal period
- CE must be completed before submitting renewal application
- License renewal fee: $40 via NIPR or Sircon
- Renewal deadline: last day of birth month, every 2 years
Indiana Insurance License Cost Breakdown
Here's the complete breakdown of what it costs to get your Indiana insurance license in 2026:
| Cost Item | Low – High | Notes |
|---|---|---|
| Pre-License Education Course | $99 – $299 | IDOI-approved; 20 hrs (single line) or 40 hrs (combined); +$4 state reporting fee per course |
| Pearson VUE Exam Fee | $69 – $69 | pearsonvue.com/in/insurance — $50–$69 for Personal Lines |
| Fingerprinting / Background Check | $0 – $0 | Not required in Indiana — one of the few states without this mandate |
| License Application Fee | $40 – $40 | Via NIPR (nipr.com) or Sircon + $5.60 transaction fee |
| Estimated Total | $212 – $412 | Low estimate: single-line + basic course. High: combined-line + premium course. No fingerprint fee required. |
✅ Indiana Advantage: Because Indiana doesn't require fingerprinting, you save $50–$70 compared to states like Florida, Pennsylvania, or California. The total licensing cost of $212–$412 is among the more affordable in the country for a comparable license.
All state and government fees are non-refundable. Education costs vary by provider and package. The $4 IDOI state reporting fee applies per course and is typically added at checkout by your pre-licensing provider.
The Indiana Insurance Exam — What to Expect
Single-Line Exams (Life, Health, Personal Lines)
- Questions: 95
- Time limit: 2 hours
- Passing score: Scaled score of 70
- Fee: $69 (Life, Health) / $50–$69 (Personal Lines)
- Pre-req: 20 hours pre-licensing
Combined-Line Exams (L&H, P&C)
- Questions: 150
- Time limit: 3 hours
- Passing score: Scaled score of 70
- Fee: $69
- Pre-req: 40 hours pre-licensing
Life & Health Exam Topics
- General insurance concepts, principles, and policy provisions
- Indiana insurance laws, regulations, and administrative rules
- Life insurance products, policy types, and provisions
- Health, accident, and disability insurance coverage
- Annuity products and suitability rules
- Ethics, unfair trade practices, and consumer protections
Property & Casualty Exam Topics
- Principles of property and casualty insurance
- Homeowners policies and dwelling fire coverage
- Personal and commercial auto insurance
- General liability and workers' compensation
- Indiana insurance law and IDOI regulations
- Ethics, unfair trade practices, and producer duties
💡 Indiana Exam Prep Tip
Indiana's insurance exam uses a scaled scoring methodology — IDOI equates scores across exam forms so you're evaluated fairly regardless of which version you receive. You need a scaled score of 70. Many candidates underestimate the Indiana-specific regulations component. Use a prep provider like Kaplan or ExamFX that includes Indiana state law content and practice exams — allow at least 1–2 weeks of focused study beyond your required course hours. Remember: you only get one online attempt, so prepare thoroughly before testing remotely.
Indiana Insurance License Types
Life
Allows agents to sell life insurance policies and fixed annuity products.
Pre-licensing
20 hours
Exam
95 questions / 2 hours
Exam Fee
$69
Accident & Health
Covers health, disability, and accident insurance products including individual and group health plans.
Pre-licensing
20 hours
Exam
95 questions / 2 hours
Exam Fee
$69
Life, Accident & Health (Combined)
Combined line for both life and health/accident products. Most common choice for agents entering life and health markets.
Pre-licensing
40 hours
Exam
150 questions / 3 hours
Exam Fee
$69
Property & Casualty (Combined)
Covers home, auto, and business insurance. The most common license for P&C agents.
Pre-licensing
40 hours
Exam
150 questions / 3 hours
Exam Fee
$69
Personal Lines
Covers personal auto, homeowners, and other personal insurance products. A subset of P&C authority — no commercial lines.
Pre-licensing
20 hours
Exam
95 questions / 2 hours
Exam Fee
$50–$69
How Long Does It Take to Get an Indiana Insurance License?
2 – 4 weeks
Full-Time Study
4–6 hrs/day; no fingerprint wait time
4 – 6 weeks
Part-Time Study
1–2 hrs/day evenings & weekends
6 – 10 weeks
Casual Pace
A few hrs/week; no fingerprint bottleneck
| Step | Activity | Duration |
|---|---|---|
| 1 | Choose your license type and enroll in pre-licensing | 1 day |
| 2 | Complete pre-licensing course (20 hrs single / 40 hrs combined) | 1–3 weeks |
| 3 | Schedule Pearson VUE exam | 1–3 days |
| 4 | Take and pass Pearson VUE exam | 1 day |
| 5 | Submit application via NIPR or Sircon (no fingerprinting required) | 1 day |
| 6 | IDOI processes application and issues license | 1–5 business days |
Indiana's lack of fingerprinting requirement eliminates the 1–3 week background check wait that slows down applicants in most other states. Once you pass your exam and submit your application, your license can be issued within days.
Indiana Insurance License Reciprocity
Indiana follows the NAIC Producer Licensing Model Act (PLMA), granting nonresident licenses to producers from states with substantially similar licensing laws. If you hold a valid, active insurance producer license from your home state, you can typically get an Indiana nonresident license without retaking the Indiana exam.
Key Reciprocity Facts
- Apply via NIPR (nipr.com) or Sircon with proof of home-state licensure in good standing
- Application fee: $40 + $5.60 transaction fee — no fingerprinting required even for nonresidents
- Indiana may charge a retaliatory fee if your home state charges Indiana residents more than $40
- Your home-state license must remain in good standing for the Indiana nonresident license to stay active
- Nonresident license covers the same lines of authority as your home-state license
⚠️ Retaliatory Fee States
States that may trigger retaliatory fees (higher than Indiana's $40 base fee) include: AL, AR, CA, CO, CT, GA, HI, IL, KY, MA, ME, MO, MN, MS, MT, NC, ND, NM, NV, PA, TN, VT, WY. Verify current amounts via NIPR before applying.
How to Renew Your Indiana Insurance License
Indiana insurance licenses renew on a 2-year cycle, expiring on the last day of your birth month. CE must be completed before you submit your renewal — don't wait until the last minute.
2 Years
Renewal Cycle
Expires last day of birth month
24 CE Hrs
Per Renewal Period
Includes at least 3 hrs ethics
$40
Renewal Fee
Via NIPR or Sircon
Indiana CE Renewal Requirements
- 24 CE hours required per 2-year renewal cycle
- 3 hours must be ethics — required every renewal period
- All CE must be completed before submitting your renewal application
- Renewal fee: $40, paid via NIPR (nipr.com) or Sircon
- Annuity sellers: one-time 4-hour Annuity Best Interest course required
- LTC sellers: 8-hour initial LTC course + 5-hour refresher each renewal period
- NFIP flood sellers: one-time 3-hour NFIP course by end of first renewal period
Get the Complete Indiana Insurance License Guide
Step-by-step requirements, top school recommendations, and tips for passing the Pearson VUE exam — delivered to your inbox.
No spam. Unsubscribe anytime.
Explore More Insurance Licenses
Expand to nearby states or explore other licensed careers.
Frequently Asked Questions
How much does it cost to get an insurance license in Indiana?
Getting an Indiana insurance license typically costs between $212 and $412, depending on your license type and prep course choice. The main costs are: pre-licensing course ($99–$299 required), Pearson VUE exam fee ($69), and license application fee ($40 + $5.60 transaction fee via NIPR or Sircon). One advantage Indiana has over many states: no fingerprinting or background check fee — Indiana is one of the few states that doesn't require this for insurance producers.
How long does it take to get an insurance license in Indiana?
Most people complete the Indiana insurance licensing process in 3–8 weeks. The main time factor is your pre-licensing education (20 hours for single lines like Life or Health; 40 hours for combined lines like Life & Health or P&C), followed by scheduling your Pearson VUE exam. Since Indiana doesn't require fingerprinting, there's no background check appointment to schedule — which makes the process faster than in many other states. Application processing through NIPR or Sircon is typically rapid once you pass your exam.
What are the requirements to get an insurance license in Indiana?
To get an Indiana insurance license, you must: (1) be at least 18 years old, (2) complete the required pre-licensing education hours (20 hrs per single line, 40 hrs for combined lines), (3) pass the Pearson VUE Indiana insurance exam with a scaled score of 70 or higher, and (4) apply through NIPR or Sircon and pay the $40 application fee. You must maintain a principal place of residence or business in Indiana. No college degree or fingerprinting is required.
Is the Indiana insurance licensing exam hard?
Indiana's insurance exam is challenging for candidates who underestimate the state-law component. The exam tests both general insurance knowledge and Indiana-specific regulations, with a required scaled passing score of 70. Combined-line exams (Life & Health, P&C) are 150 questions; single-line exams are 95 questions. The best preparation strategy is to complete your pre-licensing course thoroughly and supplement with practice exams from providers like Kaplan or ExamFX that include Indiana-specific content. Allow at least 1–2 weeks of focused studying beyond your required course hours.
Does Indiana require fingerprinting for an insurance license?
No — Indiana does not require fingerprinting or a background check for insurance producer applicants. Indiana is one of the few states in the country that has no fingerprint or background check mandate for this license. This makes the Indiana licensing process faster and less expensive compared to states like Pennsylvania or California. However, you are still required to disclose any criminal history on your application, and certain convictions may affect eligibility under Indiana Code Title 27.
How much do insurance agents make in Indiana?
Indiana insurance agents earn an average of $62,000–$75,000 per year, with experienced agents and top producers earning $95,000–$130,000+. Entry-level agents typically earn $35,000–$48,000. The Indianapolis metro area offers the strongest earning potential, with agents in the Carmel/Fishers suburbs reporting average salaries of $65,000–$80,000 due to an affluent client base. Income varies widely based on line of authority, commission structure, carrier relationships, and whether you work as a captive or independent agent. (Sources: Indeed, ZipRecruiter, Salary.com, 2025)
Can I get an Indiana insurance license if I have a criminal record?
It depends on the nature and recency of the conviction. Indiana does not require a fingerprint background check for insurance producers, but your application asks you to disclose criminal history. The Indiana Department of Insurance (IDOI) evaluates criminal records on a case-by-case basis. Convictions involving fraud, dishonesty, financial crimes, or violations of insurance laws are most likely to result in denial under Indiana Code 27-1-15.6. If you have concerns, contact IDOI at (317) 232-2389 or doi@state.in.us before investing in your education and exam fees.
Can I get an Indiana nonresident insurance license from another state?
Yes — Indiana participates in the NAIC Producer Licensing Model Act, allowing nonresident producers to obtain an Indiana license without retaking the exam. If you hold a valid, active insurance producer license in your home state in the same line(s) of authority, you can apply directly through NIPR (nipr.com) or Sircon and pay the $40 application fee (plus $5.60 transaction fee). Indiana may charge a retaliatory fee if your home state charges Indiana agents more than $40. Your home-state license must remain in good standing for your Indiana nonresident license to stay active.
How do I renew my Indiana insurance license?
Indiana insurance licenses renew every two years by the last day of your birth month. To renew, you must complete 24 hours of approved continuing education, including at least 3 hours of ethics. All CE must be completed before you submit your renewal application. Renewal is processed online through NIPR or Sircon; the renewal fee is $40. If you sell annuities, long-term care insurance, or flood insurance, additional product-specific training hours are also required. You can verify your CE completion and renew at nipr.com.
Do I need a college degree to get an Indiana insurance license?
No college degree is required to get an Indiana insurance license. The only formal education requirement is completing the state-approved pre-licensing course (20–40 hours depending on your line) and passing the Pearson VUE exam. You must be at least 18 years old and maintain a principal place of residence or business in Indiana. Many successful Indiana insurance agents come from non-college backgrounds — what matters is your knowledge of insurance products and regulations, which the pre-licensing course and exam preparation will cover.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.