Becoming a Property & Casualty producer in Indiana
The Indiana Property & Casualty license lets you sell home, auto, commercial, liability, and the broad world of P&C coverage across the state. It's the foundation credential for personal-lines agents, commercial producers, and independent agency owners alike.
Four steps get you there: complete your pre-licensing course, pass the Pearson VUE exam, apply through Sircon or NIPR, and keep up with continuing education. And because Indiana doesn't fingerprint resident producers, you skip a step (and a fee) that slows applicants down in most other states.
Prefer to start narrower? You can sit for Personal Lines on its own (a 115-question exam, 20-hour course) - but the combined P&C license is the one that opens the most doors, and it's what this guide covers.
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-property-casualty/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.
Inside the Indiana Property & Casualty exam
The combined P&C exam is 150 questions with a 180-minute seat time and a 70% passing bar. Pearson VUE delivers it at a test center or via OnVUE online proctoring, and you get a Pass/Fail score report immediately.
It breaks into roughly 100 general-knowledge questions on property and casualty fundamentals, 35 Indiana-specific questions on state law and department rules, and about 15 unscored pretest questions seeded throughout. The exam fee is $69.
Don't pass on the first try? Rebook through Pearson VUE after a 48-hour wait. Your pre-licensing certificate stays good as long as you're still inside the six-month window.
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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