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How to get a Resident Insurance Producer license in Indiana

Indiana licenses insurance agents statewide through the Indiana Department of Insurance (IDOI).1 For the Resident Insurance Producer (lines: Life; Health; Life and Health; Property and Casualty; Personal Lines) license you need at least 20 clock hours2 of education, a passing score on the Indiana Producer Examination (Life, Health, Life and Health, Property and Casualty, or Personal Lines; includes Indiana Laws & Regulations)3 and a criminal background check2. The board lists $40 for the application2, $69 for the exam4 and $50 for the exam (Candidates with a pre-licensing education waiver)4, each a separate charge. You renew every 2 years5 and complete 24 hours of continuing education6.

Last checked · 21 official sources

Who issues it

Indiana Department of Insurance (IDOI)

Training and experience

Training: at least 20 clock hours2

Exam

Indiana Producer Examination (Life, Health, Life and Health, Property and Casualty, or Personal Lines; includes Indiana Laws & Regulations)3

Fees the board lists

Application fee: $402
Exam fee: $694
Exam fee (Candidates with a pre-licensing education waiver): $504

Renewal

Every 2 years5, 24 hours of continuing education6

From another state

Reciprocity agreements and Exam waiver78 Details

On this page
  1. Indiana insurance agent licenses
  2. Applies to every license level
  3. Who needs a Resident Insurance Producer license
  4. Requirements for a Resident Insurance Producer license
  5. How much a Resident Insurance Producer license costs
  6. How to apply
  7. Renewal and continuing education
  8. Moving to Indiana with a license from another state
  9. Insurance Consultant license
  10. Surplus Lines Producer
  11. Title Insurance License
  12. Check a license or report a problem
  13. Laws and rules
  14. Common questions
  15. Insurance agent licenses in other states

Indiana insurance agent licenses

Indiana issues 4 insurance agent credentials. Each has its own section below; the table shows what each one covers and its headline requirements.

LicenseWhat it coversTraining or experienceExamApplication or license fee
Insurance Consultant (Consultant license)For a fee, offers the public advice on the benefits, advantages or disadvantages of insurance policies; may not also hold a producer license or be paid by producers or insurers (except an insurer paying for consulting services). Written client agreement must be approved by the Commissioner before rendering service.1–Yes2$402
Resident Insurance Producer (lines: Life; Health; Life and Health; Property and Casualty; Personal Lines)License to sell, solicit or negotiate insurance in Indiana for the lines of authority held; commissions may only be received while licensed and appointed by the insurer.1Training 20 clock hours2Yes2$402
Surplus Lines ProducerPlaces coverage with insurers not licensed in Indiana, only when it cannot be obtained from admitted insurers (diligent search with declinations).1–Yes9$809
Title Insurance License (limited insurance producer license for title insurance)Solicits or negotiates only title insurance; required for anyone conducting a closing where a title policy is issued on behalf of a title producer or company.2Training 10 clock hours2No2$402

Applies to every license level

These rules are the same for several of the Indiana insurance agent licenses on this page, so they are shown once here, with the licenses they apply to. Each license's own section lists only what differs.

1. Every license level (all 4)

Requirements

Minimum age
18 years old2
Background check
Background check required2
Applicants with a conviction covered by 18 U.S.C. 1033 must obtain the Commissioner's written consent (1033 waiver application to the IDOI Enforcement Division; decision within 30 days).2
Residency or citizenship
Must be a U.S. citizen or a legal alien with work authorization and submit work-authorization documentation; resident license requires principal residence or place of business in Indiana.2

How to apply

Renewal

Renew online
sircon.com11

2. Every license level except Surplus Lines Producer

Fees

FeeAmountPaid toNotes
Application fee$402IDOINot refundable

Renewal

Renewal fee
$405

3. Every license level except Insurance Consultant (Consultant license)

Fees

FeeAmountPaid toNotes
Electronic processing fee$5.155Sircon (Vertafore)Printing the license through Sircon (waived for Sircon for Individuals subscribers per IDOI FAQ)

How to apply

Apply online
sircon.com10

Renewal

How often
Every 2 years51213

4. Resident Insurance Producer (lines: Life; Health; Life and Health; Property and Casualty; Personal Lines) and Insurance Consultant (Consultant license)

Fees

FeeAmountPaid toNotes
Exam fee$694Pearson VUENot refundable

Who needs a Resident Insurance Producer license

License to sell, solicit or negotiate insurance in Indiana for the lines of authority held; commissions may only be received while licensed and appointed by the insurer.1

Work that does not need this license:

  • Crop & hail and prearranged-funeral limited lines are converted from an active P&C (crop) or Life (funeral) producer license by signed letter; limited line credit needs no pre-licensing or exam.14

Requirements for a Resident Insurance Producer license

More rules for this license are shared with other levels: group 1, group 2, group 3 and group 4 under Applies to every license level.

Education or training
At least 20 clock hours2
IDOI-approved pre-licensing course for the line(s) sought, completed before the exam; the dated, signed certificate of completion is valid six months, within which the exam must be passed and the license applied for. Self-study courses are allowed.2
Who may teach it: Course must be from an IDOI-approved pre-licensing provider; the provider reports completion electronically. Approved courses are listed through Sircon.3
Alternative: Pre-licensing waiver (IC 27-1-15.6-9) for Chartered Life Underwriter (CLU), Certified Financial Planner (CFP) or Chartered Financial Consultant (listed by IDOI as "CFC") holders (Life/A&H), CPCU, CIC or AAI holders (P&C/Personal Lines), or a bachelor's degree in insurance (all lines); waiver holders take only the Indiana Laws & Regulations exam.3
Alternative: Producers moving to Indiana who held the same lines in their prior resident state are exempt from pre-licensing and exam.8
Exam
Indiana Producer Examination (Life, Health, Life and Health, Property and Casualty, or Personal Lines; includes Indiana Laws & Regulations)3
Given by: Pearson VUE (tests at Ivy Tech Community College and Pearson VUE centers)4
Passing score: 70%4
When you can take it: After completing the pre-licensing course; bring the course completion certificate (testing within 6 months of the course completion date) and a government photo ID.4
Life 95 questions/120 min; Health 95/120; Life and Health 150/180; Property and Casualty 150/180; Personal Lines 115/120 (scored + unscored pretest items).4
Retakes: Wait 48 hours before retaking; re-register online or by phone with Pearson VUE and pay again.4
Time limit: Exam must be passed and the license applied for within the six-month validity of the pre-licensing certificate (IC 27-1-15.6-6(c)).3
Exam waived: Designation/degree holders with an approved pre-licensing waiver take only the Laws & Regulations exam; producers transferring from another state with the same lines take no exam.3
Also required
Producers must be appointed by an insurer to receive commissions.2
Also required
Long-term care sales need additional agent training (IDOI LTC agent training page).15
Other requirements and options
No exam for Limited Line Credit, Title, Travel or Portable Electronics licenses.2

How much a Resident Insurance Producer license costs

FeeAmountPaid toNotes
Exam fee$504Pearson VUECandidates with a pre-licensing education waiver; also reinstatement without CE. Not refundable

How to apply

  1. Complete an IDOI-approved pre-licensing course for your line(s) (or get a designation waiver by email from IDOI). Keep the certificate: it is valid six months.3
  2. Book the Indiana producer exam with Pearson VUE at least 24 hours ahead and pass it (70%).4
  3. Apply online through Sircon or NIPR and pay the $40 application fee plus the online processing fee; a mailed NAIC paper application with a $40 check is also accepted.3 sircon.com10
  4. Send work-authorization documentation if you are not a U.S. citizen.2
  5. Track the application; it stays pending until all three steps are complete.3
Temporary or provisional license
Temporary resident producer license for up to 180 days when needed to service an insurance business in the public interest (IC 27-1-15.6-11); request by email to [email protected].2
Processing time
Allow 7-10 business days for processing; incomplete applications close after 30 days.3

Renewal and continuing education

When it expires
Two-year license expiring on the last day of the birth month; IDOI emails a renewal invoice about 90 days before expiry.5
Continuing education
24 hours each renewal period6
Required topics
3 hours ethics if licensed for Accident & Health and/or Life; 7 hours title if Title-licensed.13
Up to 12 carry-over hours (not ethics or long-term care), earned no more than 120 days before renewal; the same course cannot be repeated in a period; pre-licensing courses do not count.6
Approved courses
Courses must be IDOI-approved; providers report completions to the Sircon transcript; online courses need a licensed-agent monitor for the exam.6
Exemptions
Nonresidents who meet their home-state CE are exempt; no CE for Credit, Crop or Funeral Director/Prearranged Funeral lines; retired producers may request a CE exemption (IDOI page "Continuing Education (CE) Exemption for Retired Insurance Producers").6
Late renewal
Reinstatement fee: $12016 (reinstatement within 12 months of expiry; paid with the $40 renewal fee (total $160); $120 alone if renewal was paid on time but CE was not completed)
CE extension request fee: $2517 (request filed at least 30 days before expiry; extension up to 90 days (typically 30))
If it expires
Late renewals are not permitted (IDOI may accept renewals within 30 days after expiry without penalty at its discretion). Reinstate within 12 months with renewal + 3x penalty ($160), plus outstanding CE and a Laws & Regulations assessment if CE was not done; after 12 months, start over with pre-licensing, exam and new application.17

Renewal planner

Enter the expiration date printed on your Indiana Resident Insurance Producer (lines: Life; Health; Life and Health; Property and Casualty; Personal Lines) license. The count is worked out on your device from today's date; nothing is sent anywhere.

Moving to Indiana with a license from another state

These are the routes IDOI publishes for the Resident Insurance Producer license. The other insurance agent licenses have their own routes in their sections below.

Route
Reciprocity agreements
What the board says
Nonresident producer license without pre-licensing or exam for producers from states that license Indiana residents reciprocally; same scope as the home-state license; $90 fee unless a retaliatory fee applies.7
States on Indiana's list
The pages cited here give no list of partner states for this route; the board's words above say who qualifies. Ask the board which states it has agreements with.
Conditions
No Indiana CE for nonresidents who meet home-state CE.6
Fee
$9018
Route
Exam waiver
What the board says
Producers moving to Indiana apply for a resident license; no pre-licensing or exam for lines held in the prior resident state. If the old license was inactivated first, apply within 90 days.8
Conditions
Since May 17, 2019 the prior resident license need not be inactivated before applying; Indiana does not issue letters of clearance.8
Route
No reciprocity
What the board says
Designated Home State (DHS) nonresident license for people whose home state does not license the line: must meet Indiana resident pre-licensing and CE requirements; $90 fee unless retaliatory fees apply.19

Military service members, veterans and spouses: A producer unable to meet renewal procedures (including CE) because of military service or another extenuating circumstance may be eligible for a waiver; contact IDOI before the expiration date.17

Insurance Consultant license

For a fee, offers the public advice on the benefits, advantages or disadvantages of insurance policies; may not also hold a producer license or be paid by producers or insurers (except an insurer paying for consulting services). Written client agreement must be approved by the Commissioner before rendering service.1

Requirements

Education or training
Must complete all requirements of the class of insurance applied for (the producer pre-licensing course for that line).2
Exam
Indiana licensing examination for the line(s) of authority sought2
Given by: Pearson VUE4
Passing score: 70%4
Also required
A consultant may not continue to hold a producer or limited lines producer license.2

How to apply

  1. Complete the pre-licensing course and pass the exam for the class of insurance you will advise on.2
  2. Mail the NAIC Uniform Paper Application, writing "Consultant" (not Producer) as the license type, with a $40 check or money order payable to IDOI.2 Form (PDF, content.naic.org)10
  3. Submit your written consulting agreement for Commissioner approval before providing services.2

More rules for this license are shared with other levels: group 1, group 2 and group 4 under Applies to every license level.

Surplus Lines Producer

Places coverage with insurers not licensed in Indiana, only when it cannot be obtained from admitted insurers (diligent search with declinations).1

Requirements

Experience
Must already hold an Indiana Property & Casualty producer license.9
License you must hold first: Indiana resident Property & Casualty producer license20
Exam
IN Surplus Lines Producer exam4
Given by: Pearson VUE4
Passing score: 70%4
When you can take it: After obtaining the P&C producer license (bring it as the admission document).4
55 questions, 60 minutes4
Retakes: 48-hour wait before a retake.4
Exam waived: Nonresidents need no Indiana exam but must hold surplus lines authority in their home state.9
Business requirements
Business entities need a resident producer organization license with P&C authority and at least one named individual licensed as a surplus lines producer.9
Also required
Surplus lines premium tax filings are made through NAIC OPTins.20

Fees

You pay IDOI (2 fees) and Pearson VUE (exam fee).

FeeAmountPaid toNotes
Application fee$809IDOINot refundable
Exam fee$504Pearson VUENot refundable
Penalty for failure to report a change of name or address within 30 days$10012IDOI–

Each line is a separate charge as the board lists it. The board does not publish a combined total, so none is shown here.

How to apply

  1. Get your Indiana Property & Casualty producer license first.9
  2. Pass the Surplus Lines exam with Pearson VUE, showing your P&C license at the test site.9
  3. Apply on Sircon or NIPR (or NAIC paper application with an $80 check and the original score report).9 sircon.com10

Renewal

When it expires
Renews in the birth month every two years; renewal notices about 90 days before expiry.12
Renewal fee
$8012
Exemptions
Surplus Lines is listed among license types with no CE.13

From another state

Route
Reciprocity agreements
What the board says
Nonresidents licensed for surplus lines in their home state may apply; $120 unless a retaliatory fee applies.9
States on Indiana's list
The pages cited here give no list of partner states for this route; the board's words above say who qualifies. Ask the board which states it has agreements with.
Fee
$1209

More rules for this license are shared with other levels: group 1 and group 3 under Applies to every license level.

Title Insurance License

Solicits or negotiates only title insurance; required for anyone conducting a closing where a title policy is issued on behalf of a title producer or company.2

Requirements

Education or training
At least 10 clock hours2
Pre-licensing instruction (structured setting or comparable self-study) on title-insurance ethics, Indiana insurance law and rules, title principles incl. underwriting and escrow, and RESPA; certificate valid six months.2
Who may teach it: IDOI-approved provider; the provider submits the completion.2
Exam
Not required2
Also required
Further title licensing guidance is in IDOI Bulletin 135.2

How to apply

  1. Complete the 10-hour title pre-licensing course and get the certificate (valid six months).2
  2. Apply on Sircon or NIPR (or NAIC paper form) with the $40 fee.2 sircon.com10

Renewal

When it expires
Two years, expiring on the last day of the birth month.13
Continuing education
7 hours each renewal period5
Required topics
At least 4 of the 7 hours in a structured setting or comparable self-study on title ethics, underwriting, escrow and RESPA; attorneys may use title/real-property CLE.5

From another state

Route
No reciprocity
What the board says
Nonresidents from states that do not license title agents may get an Indiana Designated Home State (DHS) Title license by meeting resident requirements (10-hour course) and paying $90.2
Fee
$902
Route
Reciprocity agreements
What the board says
Title agents licensed in a reciprocal home state get a nonresident license without pre-licensing or exam.7
States on Indiana's list
The pages cited here give no list of partner states for this route; the board's words above say who qualifies. Ask the board which states it has agreements with.

More rules for this license are shared with other levels: group 1, group 2 and group 3 under Applies to every license level.

Check a license or report a problem

Before you hire an insurance agent in Indiana, you can confirm the license is current on the board's own search. Every board we cover in Indiana is on the Indiana license lookup page.

Look up a license
sircon.com21

Laws and rules

The requirements above come from these laws and board rules.

Common questions

How long does it take to get a Resident Insurance Producer license in Indiana?

The rules set at least 20 clock hours2 before you can be licensed. On processing, the board says: Allow 7-10 business days for processing; incomplete applications close after 30 days.3

Can I transfer my insurance agent license to Indiana?

IDOI publishes these routes for the Resident Insurance Producer license: reciprocity agreements7 and exam waiver8. Conditions and forms.

How often do you renew a Resident Insurance Producer license in Indiana?

Every 2 years5. Continuing education: 24 hours6. The renewal fee is $405.

Insurance agent licenses in other states

Sources

Every number and rule above links to one of these official pages. Select a footnote number to read the board's own words.

  1. Types of Resident LicensesIndiana Department of InsuranceChecked November 7, 2026
  2. Resident Licensing Requirements/GuidelinesIndiana Department of InsuranceChecked November 8, 2026
  3. Initial Resident Application StepsIndiana Department of InsuranceChecked November 7, 2026
  4. Examination Procedure ChecklistIndiana Department of InsuranceChecked November 8, 2026
  5. Individual License Renewal Guidelines/RequirementsIndiana Department of InsuranceChecked November 7, 2026
  6. Frequently Asked Producer CE QuestionsIndiana Department of InsuranceChecked November 8, 2026
  7. Non-Resident Agent LicensingIndiana Department of InsuranceChecked November 7, 2026
  8. Transferring Resident LicenseIndiana Department of InsuranceChecked November 7, 2026
  9. Surplus Lines Licensing RequirementsIndiana Department of InsuranceChecked November 8, 2026
  10. Resident LicensingIndiana Department of InsuranceChecked November 7, 2026
  11. Resident Renewal/Continuing EducationIndiana Department of InsuranceChecked November 7, 2026
  12. Apply/Renew/Edit Surplus Lines LicenseIndiana Department of InsuranceChecked November 8, 2026
  13. CE Requirements by License Type/Line of AuthorityIndiana Department of InsuranceChecked November 8, 2026
  14. Limited Lines Credit, Crop & Hail, Prearranged FuneralIndiana Department of InsuranceChecked November 7, 2026
  15. Pre-Licensing Education (PE) and Continuing Education (CE) Related LinksIndiana Department of InsuranceChecked November 7, 2026
  16. Reinstating a resident license expired less than 12 monthsIndiana Department of InsuranceChecked November 8, 2026
  17. Request for CE ExtensionIndiana Department of InsuranceChecked November 7, 2026
  18. Producer Licensing FAQs (PDF)Indiana Department of InsuranceDated January 13, 2025Checked November 8, 2026
  19. Designated Home State (DHS) Producer LicenseIndiana Department of InsuranceChecked November 7, 2026
  20. Surplus Lines Agent LicensingIndiana Department of InsuranceChecked November 7, 2026
  21. IDOI: LicensingIndiana Department of InsuranceChecked November 7, 2026