Indiana Life & Health Insurance Exam 2026

What the Indiana Life & Health Credential Covers

Indiana issues one producer license and lists lines of authority on it. This credential puts two of them there at once: Life (life insurance and annuities) and Accident and Health or Sickness (medical, disability income, Medicare supplement, long-term care). One exam, two lines — and critically, one $40 application fee rather than two, since Indiana charges the same $40 again as an amendment fee whenever you add a line later.

The arithmetic is worth doing before you enrol. Taking Life and Health separately means two $69 exams, two $40 filings and two 20-hour courses. Taking them combined means one $69 exam, one $40 filing and one 40-hour course. The course hours are identical either way; everything else halves. The only reason to split is if you are genuinely certain one of the two lines will never apply to you, and that certainty is rarer than people think — the Life guide and Health guide each argue the case from their own side.

What the combined credential does not reach: variable life and variable annuities, which are a separate Indiana line requiring FINRA registration on top, and Title, Credit, Travel and Portable Electronics, which are their own limited lines with their own (mostly exam-free) rules. Property and Casualty is a different credential entirely, covered in its own guide.

For the 40-hour pre-licensing course Indiana requires here, TESTivity recommends Achievable. The Achievable insurance courses were built by the same subject-matter expert behind TESTivity, so the two are designed to work together.

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.

Exam Options & Format

The Indiana Life & Health exam is 150 scored questions plus 10 unscored pretest items — 160 on screen — in 180 minutes, for $69. It is the longest producer sitting Indiana offers alongside the Property & Casualty exam, and at three hours it is a genuine stamina test as well as a knowledge one.

The passing standard is a raw 70%: the handbook says "candidates need to achieve 70% to pass the IDOI exams" and never mentions scaling, equating or a converted scale. On 150 scored items that is about 105 correct. The 10 pretest questions are unscored and unidentified, so there is nothing to skip.

The single-line alternatives are Life — 95 scored + 5 pretest in 120 minutes and Health — 95 scored + 5 pretest in 120 minutes, each also $69. A Spanish-language version of all three is offered at identical length, time and fee. Education-waiver holders sit the Life & Health Laws & Regulations paper instead — 40 questions, 60 minutes, $50 — which the Life guide explains.

There is no remote option. Indiana does not appear on Pearson VUE's list of state insurance programs offering OnVUE online proctoring, and the August 2026 handbook never mentions it. Testing is in person, at Pearson Professional Centers and at Ivy Tech Community College sites; the Health guide covers the network and the scheduling and cancellation rules.

On retakes, Indiana is unusually relaxed in one respect and unforgiving in another: "candidates must wait forty-eight (48) hours before retaking an examination," and the handbook sets no cap on attempts — but there is no discount either, so every attempt is a fresh $69. The Personal Lines guide covers results and retake strategy in full.

Most Tested Topics on the Indiana Life & Health Exam

The combined exam draws on both halves, but the questions that separate a pass from a near-miss cluster in two places: the guaranty association limits, which Indiana tiers more finely than most states, and the free-look ladder, which Indiana sets lower than national material teaches. Both are verified against the Indiana Code:

The health tier inside the guaranty limits is the highest-yield item here, and it is the one national courses flatten. Most material teaches a single health number. Indiana runs three: $500,000 for a health benefit plan, $300,000 for disability income and long-term care, $100,000 for other or basic health. The aggregate then behaves differently depending on which tier applied — $300,000 per life normally, but up to $500,000 where a health benefit plan is in play. An item that gives you a claimant with major medical and a disability policy is testing whether you know the aggregate lifts to $500,000 rather than staying at $300,000.

The free-look ladder is the second reliable cluster, and it fails candidates upward. Indiana's individual life free look is 10 days and its individual annuity free look is also 10 days — where national material trains people toward 20 or 30, and where many states deliberately give annuities a longer window than life. Indiana does not. Then long-term care and Medicare supplement both jump to 30 days. So the shape to memorise is 10 / 10 / 30 / 30, not the ascending ladder most courses draw. And keep the sales-inducement prohibition filed with the guaranty limits rather than with unfair trade practices: it is the reason the limits never appear in a brochure, and it turns up as an ethics question as often as a guaranty one.

Indiana's Pre-Licensing Requirement — Hours, Providers and the Six-Month Clock

Indiana is one of the minority of states that requires pre-licensing education, and it is the requirement that shapes the whole timeline. The hours are set by credential, not by counting lines, and the table below is IDOI's own — which matters, because the widely-repeated summary "20 hours per line, 40 for a dual line" is not quite what Indiana publishes:

Title is the anomaly worth understanding, because it shows what Indiana thinks the course is for. Under IC 27-1-15.6-18(4), a Title producer completes "not less than ten (10) hours of instruction" covering ethical practices, Indiana insurance law, title insurance principles and the federal Real Estate Settlement Procedures Act (12 U.S.C. 2608) — with no examination at any point. Indiana treats pre-licensing as substantive competence training rather than exam prep, which is also why the waiver route does not simply delete it but substitutes a shorter law exam.

Finding an approved provider. Indiana routes provider lookups through Sircon at sircon.com/Indiana — the same Vertafore system that later holds your CE transcript. Take the course from an approved provider or it does not count; the provider, not you, reports completion.

The certificate, and the clock it starts. When you finish, the provider issues a Certificate of Completion. IDOI's rule is short and consequential: "The certificate is valid for six months. You must pass your exam and apply for your license during this six-month period." Read that as one deadline covering two events. It is not six months to test and then a fresh window to apply — the application has to be in as well.

This matters more in Indiana than in states with an explicit score-expiry rule, because Indiana publishes no standalone exam score-validity period at all. Neither the candidate handbook nor IDOI states how long a passing score survives on its own. The practical consequence is that the certificate date is the only date to plan around: if it expires, you are back to the course regardless of when you passed. If your situation depends on the answer — a waiver holder with no certificate, say — call IDOI Producer Licensing at (317) 232-2389 rather than relying on a number from a prep site.

If a designation waives the course, you do not simply skip ahead to the full exam: you sit a shorter State Laws & Regulations exam instead. CLU, CFP, ChFC, CPCU, CIC, AAI and a bachelor's degree in insurance are the qualifying credentials under IC 27-1-15.6-9; FLMI is not among them. The Life guide covers the waiver list, what each one actually buys you, and the Laws & Regulations exams in detail.

Exam Day in Indiana — Check-In, ID and What You Cannot Bring

Indiana's exam-day rules are stricter than average in two places and looser in one, and candidates get caught by all three. The August 2026 handbook is the authority for everything below.

One ID, not two. The handbook is explicit: "candidates must present one (1) form of primary identification (ID) from the following list." Many states demand two — a primary photo ID plus a secondary signature ID — and Indiana does not. What Indiana asks of that single ID is that it be government-issued, photo-bearing and carry a valid signature: a driver's licence, passport, military ID or green card.

And it must be current — Indiana refuses expired ID outright. The handbook's phrasing is unusually blunt: "grace periods are not recognized." That is aimed squarely at states whose driver's licences remain legally valid for a period after the printed expiry date. Indiana's test centers do not care what your home state allows; if the date has passed, you are turned away and the $69 is gone. Check the expiry date the week you book, not the morning you test.

Your registration name must match that ID exactly. "Please VERIFY that you have created your web account with your LEGAL name as it appears on your government-issued ID." A middle initial on one and not the other, a maiden name on the licence and a married name in the booking — these are refused at the door rather than corrected there. If your name has changed, fix the Pearson account before the appointment.

Arrive 30 minutes early. "Candidates should report to the test center at least thirty (30) minutes before the examination begins." That window is for check-in, ID verification, the security screening and storing your belongings — not a courtesy buffer. Arriving at the appointment time itself risks being treated as late.

The prohibited-items list is longer than you expect. Verbatim: "No personal items are allowed in the testing room. Personal items include but are not limited to cellular phones, hand-held computers or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/or notes, pens or pencils." Note the three that surprise people: watches are barred, so plan to use the on-screen timer; wallets are barred, so your ID travels in your hand, not in your pocket; and you may not bring your own pens or pencils — the center supplies whatever writing material is permitted. Leave what you can in the car.

Then it ends, and you know immediately. "The examination will end automatically when the examination time has expired, and candidates will leave the test center with their official score report in hand." No waiting for an email, no portal check the next morning. The Personal Lines guide covers what that score report tells you, the 48-hour retake rule, and what to do with a near-miss.

What It Costs

$69 to Pearson VUE for the Life & Health exam, $40 to IDOI at application, plus the Sircon or NIPR processing fee at checkout — about $109, with no fingerprint cost, because Indiana does not fingerprint resident producers. That is the same government-and-vendor total as a single-line licence, for two lines of authority.

Set against the split route, the saving is concrete: two separate credentials would cost $138 in exam fees and $80 in filings, or about $218 — roughly double, for the same 40 hours of coursework. The combined exam is the better buy in almost every case where health is even plausible.

What repeats: every retake is another $69, with a 48-hour wait and no attempt cap; renewal is $40 every two years; and adding a further line later is a $40 amendment fee on top of that line's course and exam. Everything here is nonrefundable and nontransferable — IDOI says so of application fees, the handbook says so of exam fees. If you sell annuities, the one-time 4-hour best-interest course is a further cost that buys no CE credit, and long-term care adds its own 8-hour gate. The Health guide covers the LTC ladder.

Eligibility Requirements

You must be at least 18 (IC 27-1-15.6-6), maintain a valid business email address, and hold your principal residence or place of business in Indiana for a resident credential. Complete the 40 hours of approved Life & Health pre-licensing — or hold a credential that waives it under IC 27-1-15.6-9 and sit the 40-question Laws & Regulations exam instead — then pass the exam and file the application inside the six-month certificate window.

No fingerprints, no separate criminal-history submission. Indiana assesses character from the background questions on the application, with documents attached to any "yes." That is the whole background process for a resident producer, and the Personal Lines guide covers what triggers disclosure and how regulators read it.

Two things that are conditions on selling rather than on licensing, and are easy to conflate: the 4-hour annuity best-interest course under 760 IAC 1-72 before you place an annuity, and the 8-hour long-term care course before you market LTC. You can hold this credential in good standing and still be barred from either product line until the training is done.

Keeping Your Indiana Life & Health License Active

Two years, expiring on the last day of your birth month, renewed for $40 through Sircon or NIPR. IDOI emails an invoice about 90 days out and warns that "if for some reason you do not receive a renewal invoice, it is still your responsibility to renew your license."

24 hours per cycle, including 3 hours of ethics. Holding two lines does not double anything — IDOI's rule is 24 total, and this credential's Life and Accident & Health lines are precisely the two the ethics requirement attaches to. Up to 12 hours carry into the next cycle, which is half the requirement, but ethics and long-term care hours never carry: those two must be earned fresh every cycle. Check your transcript on Sircon rather than assuming a provider reported on time.

Product training sits outside the 24. Annuities: a one-time 4-hour best-interest course "before engaging in the sale of annuity products in Indiana" for anyone licensed on or after July 1, 2024 (producers licensed earlier owed a one-hour bridge by January 2, 2025). Long-term care: 8 hours before marketing, then 5 hours every two years, and 15 hours in total — including a classroom-only 7-hour course — to sell Indiana Long Term Care Partnership policies. Neither is a CE credit; both are gates.

And one thing Indiana does not require, despite what you may read elsewhere: flood training. There is no Indiana flood CE mandate. IDOI's only published flood item was a voluntary FEMA session in September 2025, and IDOI stated that "the training will not be for CE credits, but a certificate of completion will be provided."

Miss the deadline and Indiana's reinstatement ladder is genuinely harsh: $40 renewal plus a $120 penalty inside twelve months, plus the Laws & Regulations Assessment if your CE was not complete before expiration — and past twelve months, no reinstatement at all, meaning the 40-hour course and the full 150-question exam over again. The Property & Casualty guide sets out the whole ladder.

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