What This License Is
An Indiana Personal Lines license lets you sell property and casualty coverage to individuals and families — homeowners, renters, personal auto, and similar non-commercial risks in Indiana. It is issued by the Indiana Department of Insurance.
Licensing runs through the same process as every Indiana producer line — the difference is the focused Personal Lines exam. Note that Indiana requires 20 hours of pre-licensing education for this line before you can sit for the exam.
Exam Options & Format
The Personal Lines exam is Personal Lines Producer (Pearson VUE): 115 total (105 scored + 10 pretest) questions, 2 hr, $69 per attempt. Passing standard: 70%.
Indiana also offers the combined exam (Property & Casualty Producer (combined) — Indiana's only P&C exam: 150 total (135 scored) questions, 3 hr, $69), which licenses both lines in one sitting. If there is any chance you will sell commercial products later, the combined exam is usually the better value.
Your 40-hour pre-licensing course (and the 6-month clock)
Indiana requires 40 hours of approved pre-licensing education for the combined Property & Casualty line (Personal Lines alone is 20 hours). Take the course from an IDOI-approved provider; they report your completion to the state.
You'll receive a Certificate of Completion to bring to the test center. That certificate is good for six months - and that window covers both passing the exam and filing your application.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-personal-lines/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 allows certain credentialed professionals to bypass pre-licensing education. On the P&C side, designations such as the CPCU, CIC, and AAI are the ones typically recognized. If that's you, you may be able to register straight for the exam - verify current waiver designations on the IDOI resident-licensing page first.
Background check - but no fingerprints
This is where Indiana shines. Most states make you book a livescan appointment and pay a print vendor before they'll issue a license. Indiana runs its background review straight from your application - no fingerprints, no appointment, no separate print fee.
You'll answer the standard background questions on the application and attach documentation for any 'yes' answers, but the fingerprinting step that adds time and cost elsewhere simply isn't part of Indiana's process.
Applying for your license
After you pass, 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.
Keep the six-month rule front of mind: the application - not the exam - is the real deadline. IDOI generally reviews filings within about a week.
Renewal, CE & the flood course
Indiana P&C licenses run two years and renew by the last day of your birth month for a $40 fee. To renew you'll complete 24 hours of continuing education, and you can carry up to 12 excess hours into the next period.
One P&C-specific gotcha: if you want to write flood insurance, you must complete a one-time 3-hour NFIP flood certification course before selling those policies. Plan it into your CE so it does double duty. And as always - let the license lapse beyond 12 months and you start over with a fresh application and exam.
Quick Reference
Official Links
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