Becoming a Life & Health producer in Indiana
The Indiana Life & Health producer license lets you sell life insurance, annuities, and accident & health products statewide. It's the workhorse credential for anyone building a practice around financial protection, retirement income, and medical coverage.
The road has four stops: finish your pre-licensing course, pass the Pearson VUE exam, apply through Sircon or NIPR, and then keep the license alive with continuing education. Indiana skips fingerprinting entirely, which makes this one of the faster, cheaper states to get licensed in.
If you'd rather specialize, you can sit for Life-only or Health-only instead of the combined exam - but the combined Life & Health license is the one most new producers go for, and it's what this guide walks through.
Your 40-hour pre-licensing course (and the 6-month clock)
Indiana requires 40 hours of approved pre-licensing education for the combined Life & Health line (it's 20 hours each if you split Life and Health into separate licenses). You take the course from an IDOI-approved provider, and the provider reports your completion to the state.
When you finish, you'll get a Certificate of Completion - bring it to the test center on exam day. The certificate is your ticket to sit, and it starts a six-month countdown.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-life-health/purchase#a_aid=getthelicense) to satisfy your Indiana pre-licensing requirement. Achievable is an approved provider, its insurance courses were built by the same subject-matter expert behind TESTivity, and completing the Achievable course earns you the certificate of completion Indiana requires.
One important distinction: TESTivity is not an approved pre-licensing provider in Indiana and does not issue certificates of completion. The TESTivity learning tools and study packages will absolutely help you pass the exam — but treat them as a supplement to your Achievable course, not a substitute for it.
Disclosure: TESTivity has a partnership with Achievable and may earn a commission if you enroll through links on this page.
Can you skip the course?
Indiana lets certain credentialed professionals bypass the pre-licensing education requirement on the Life and Accident & Health lines. If you already hold a recognized designation, you may be able to register straight for the exam.
Inside the Indiana Life & Health exam
The combined Life & Health exam is 150 questions with a 180-minute seat time, and you need 70% to pass. Pearson VUE delivers it at a test center or through OnVUE online proctoring, and you leave (or log off) with a Pass/Fail score report in hand.
Under the hood it's three buckets: about 100 general-knowledge questions covering life and health product fundamentals, 35 Indiana-specific questions on state law and department rules, and roughly 15 unscored pretest questions mixed in (they don't count, but you won't know which they are). The exam fee is $69.
Miss it the first time? You can retake after a 48-hour wait - just rebook through Pearson VUE. There's no penalty beyond the re-exam fee, and your pre-licensing certificate stays valid as long as you're inside the six-month window.
Background check - but no fingerprints
Here's where Indiana saves you time and money. Most states route you to a livescan vendor for fingerprints before they'll issue a license. Indiana doesn't. The department runs its state and federal background review from the information on your application - no appointment, no ink, no separate print fee.
You'll still answer the standard character and background questions honestly on the application, and any 'yes' answers need supporting documents. But there's simply no fingerprinting step to schedule.
Applying for your license
Once you've passed, apply online through Sircon (sircon.com/indiana) or NIPR (nipr.com). The resident producer application fee is $40, plus a small transaction fee. You must be at least 18 and maintain a principal residence or place of business in Indiana.
Remember the six-month rule: passing the exam isn't the finish line - submitting this application inside the certificate window is. IDOI typically reviews filings within about a week.
Renewal & continuing education
Indiana licenses run two years and renew by the last day of your birth month, with a $40 renewal fee through Sircon or NIPR. To renew, you'll complete 24 hours of continuing education, including 3 hours of ethics on life/health lines.
You can carry up to 12 excess CE hours into the next period (ethics and long-term-care credits don't carry). If you sell long-term care or annuities, note the extra product-training gates that ride on top of the base 24 hours. Let the license lapse beyond 12 months and you're back to an initial application and exam - so keep that birth-month deadline on the calendar.
Quick Reference
Official Links
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