Indiana Insurance License
The Indiana insurance license exam, in plain numbers.
Everything below is specific to Indiana — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Indiana
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 135 | 95 | 70% | 40 |
Administered by Pearson VUE for the Indiana Department of Insurance. Time limit: 2 hours 30 minutes. Roughly 35 of the scored questions (26%) come from Indiana law — the block national courses cover most lightly.
Prelicensing
40 hours of approved prelicensing education for a combined Life and Health license, or 20 hours per single line. The course ends with a final exam requiring 70 percent, and the certificate of completion is valid for only SIX MONTHS.
Continuing education
24 hours every two years including 3 hours of ethics. Carry-forward is not permitted, and carry-over hours must be completed not more than 120 days before the renewal date.
License term
2 years
Regulator
The Indiana Department of Insurance oversees licensing, headed by a Commissioner appointed by the Governor.
Indiana Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Indiana policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Indiana, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Indiana insurance exam questions, answered
How many questions are on the Indiana insurance license exam?
The combined life and health exam has 135 scored questions. You need 95 correct to pass at 70%, which means you can miss 40.
What is the passing score for the Indiana insurance exam?
70%. That works out to 95 correct answers out of 135 scored questions.
Who administers the Indiana insurance license exam?
Pearson VUE, on behalf of the Indiana Department of Insurance.
Does Indiana require prelicensing education?
40 hours of approved prelicensing education for a combined Life and Health license, or 20 hours per single line. The course ends with a final exam requiring 70 percent, and the certificate of completion is valid for only SIX MONTHS.
How much continuing education does Indiana require?
24 hours every two years including 3 hours of ethics. Carry-forward is not permitted, and carry-over hours must be completed not more than 120 days before the renewal date.
Is there a Indiana life-only or health-only exam?
No. Indiana tests life and health together as one combined exam, so there is no single-line edition.
How much does a Indiana study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Indiana Department of Insurance.