Indiana Life & Health Insurance License Practice Exam
135 scored questions (100 national + 35 Indiana), 70% to pass. 40 hours of pre-licensing education required. Take the Pearson VUE exam at a test center or online with OnVUE, then apply through Sircon or NIPR ($40 application fee).
Indiana Life & Health — Study by Topic
Drill Indiana state law (~35 scored Qs, ~26% of exam) or practice national concepts. Full 135-question timed exam available.
Life Insurance
Term, whole life, universal life, variable, annuities, riders, nonforfeiture, settlement options, beneficiaries, underwriting.
Health & A/H
Individual/group health, disability income, LTC, Medicare supplement (A–N), COBRA, ACA, managed care, HSA/HRA.
Indiana State Law
IDOI, Indiana Code Title 27, producer licensing, life and health regulations, six-month course certificate, 48-hour retake wait, 24 CE hours with up to 12 hours of carryover.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, Social Security.
🌟 Full IN Exam
135-question timed practice exam modeled on the Pearson VUE Indiana Life & Health exam. 3 hours, 70% to pass.
About the Indiana Life & Health Insurance Exam
The Indiana Life & Health producer exam is administered by Pearson VUE for the Indiana Department of Insurance (IDOI), which issues the license. The combined exam has 135 scored questions (100 general knowledge plus 35 Indiana-specific) and 15 unscored pretest questions, for 150 questions in 180 minutes. You need 70% to pass. Indiana also offers separate Life-only and Health-only exams.
Indiana requires a pre-licensing course and an IDOI-recognized completion certificate before you can sit for the exam: 40 hours for Life & Health (20 hours each for Life and Health). The certificate is valid for six months. The exam fee is $69, paid to Pearson VUE at reservation, and the application fee is $40 plus an online processing fee. Indiana producer licenses run two years and expire on the last day of your birth month.
Indiana Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| I. Life: Types of Policies | 15 | Whole life, interest-sensitive and variable products, term, annuities, combination plans |
| II. Life: Provisions, Options and Exclusions | 15 | Riders, policy provisions, nonforfeiture, settlement options, exclusions |
| III. Life: Application, Underwriting and Delivery | 12 | Application, replacement, point-of-sale disclosures, underwriting, delivery of the policy |
| IV. Life: Retirement and Other Concepts | 8 | Life settlements, group life, qualified and nonqualified plans, needs analysis, Social Security, taxation |
| V. Health: Types of Policies | 16 | Disability income, medical expense, Medicare supplement, group, long-term care, other coverages |
| VI. Health: Policy Provisions, Clauses and Riders | 15 | Mandatory and optional provisions, renewability, riders |
| VII. Social Insurance | 6 | Medicare, Medicaid, Social Security |
| VIII. Health: Other Insurance Concepts | 5 | Types of disability, coordination of benefits, managed care, workers' compensation, subrogation |
| IX. Field Underwriting Procedures | 8 | Application, insurability sources, HIPAA privacy, receipts, delivery, replacement, contract law |
| IN — Indiana Laws and Department Rules Common to All Lines | 20 | Department of Insurance, producer licensing, producer and company compliance, unfair claims settlement practices |
| IN — Life Regulations | 8 | Policy provisions, underwriting restrictions, loan and death benefit interest, accelerated death benefits, viatical settlements, marketing practices, group life |
| IN — Health Regulations | 7 | Health insurance contracts, specialized coverage, long-term care, Medicare supplement, Affordable Care Act |
Counts are from the Pearson VUE Indiana content outline for the combined Life and Health exam (100 general knowledge plus 35 Indiana-specific scored questions; 10 plus 5 unscored pretest). The topic summaries for the Indiana sections come from the Life-only and Health-only outlines, which share the same Indiana headings.
What Makes the Indiana Life & Health Exam Different
Pre-licensing certificate comes first. You must complete an IDOI-approved pre-licensing course and hold a completion certificate to sit for the exam, and you must test within six months of the course completion date. The same six-month window applies to filing your application (Indiana Code 27-1-15.6-6(c)). Taking the wrong exam means retaking the correct one before a license is issued.
Education waivers. Holders of CLU, CFP, CFC, CPCU, CIC or AAI designations, or an insurance bachelor's degree, may request a waiver from the Commissioner and take only the Life and Health Laws & Regulations exam (40 questions, 60 minutes, $50).
A producer cannot be a beneficiary without an insurable interest. An Indiana producer may not be named beneficiary or owner of, or receive a collateral assignment of, an individual life policy or annuity unless the producer has an insurable interest, and a designation made in violation is void (Indiana Code 27-1-15.6-31).
Annuity training. A person who sells, solicits or negotiates an annuity must hold a life qualification and complete a single four-hour annuity training course approved by the Department (Indiana Code 27-1-15.6-19.5).
Retakes and scheduling. You must reserve at least 24 hours before the exam, and you must wait 48 hours before retaking. Retake reservations cannot be made at the test center.
Continuing education. Resident producers need 24 hours every two years, and 3 of those hours must be ethics if you hold a Life or Accident & Health license. Up to 12 hours can be carried over, but ethics and long-term care courses cannot be carried over.
Sample Indiana Life & Health Insurance Exam Questions
1. An Indiana life insurance producer's client wants to name the producer as the beneficiary of the client's individual life policy. The producer has no insurable interest in the client's life. What is the effect of the designation?
2. What training does Indiana require before a life producer may sell, solicit or negotiate an annuity?
3. An applicant completes an Indiana Life & Health pre-licensing course on March 1. What is the latest the applicant can take the exam on the strength of the course completion certificate?
Study Tips for the Indiana Life & Health Exam
Indiana content is 35 of the 135 scored questions (about 26%). Of those, 20 cover laws common to all lines, so licensing, producer duties and unfair claims practices deserve as much attention as Life and Health regulations (8 and 7). The general knowledge sections are weighted toward policy types and provisions: Life types (15) and provisions (15), Health types (16) and provisions (15).
70% of 135 scored questions is about 95 correct answers, and pretest questions are mixed in without being identified. If you fail, IDOI requires a 48-hour wait before you can retake the exam. Your course certificate keeps counting for the six-month window, so book the retake soon.
Studying for the other Indiana line? Try the Indiana Property & Casualty practice exam.
How to Get Your Indiana Life & Health Insurance License
There are four steps to get your Indiana producer license in the Life and Health lines.
Steps to Get Your Indiana Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete 40 hours of pre-licensing education (20 for Life, 20 for Health) from an IDOI-approved provider and keep the completion certificate. It is valid for six months. A waiver is available for certain designations or an insurance degree. |
| 2. Licensing Exam | Reserve the exam with Pearson VUE at least 24 hours ahead ($69, paid at reservation). The Life & Health exam is 150 questions in 180 minutes, and the passing score is 70%. Bring your certificate and a government-issued photo ID. |
| 3. Apply for Your License | Apply through Sircon or NIPR on the IDOI resident licensing page ($40 application fee plus an online processing fee). Applicants must be at least 18, keep their principal residence or business in Indiana, and submit proof of citizenship or lawful work authorization. |
| 4. Renew and Keep Current | Renew every two years by the last day of your birth month ($40) with 24 hours of CE, including 3 ethics hours if you hold Life or Accident & Health. |
Indiana Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Minimum age | 18 (Indiana Code 27-1-15.6-6(b)) |
| Pre-license education | 40 hours for Life & Health (20 for Life, 20 for Health); certificate valid six months |
| Exam | 135 scored + 15 unscored pretest questions (150 total): 100 general knowledge, 35 Indiana |
| Time limit | 180 minutes (3 hours) |
| Passing score | 70% |
| Exam fee | $69, paid to Pearson VUE at reservation |
| Application fee | $40, nonrefundable, plus an online processing fee |
| Retake wait | 48 hours |
| License term | Two years; expires on the last day of your birth month |
| Renewal fee | $40 (resident producer) |
| Continuing education | 24 hours every two years, 3 of them ethics for Life or Accident & Health; up to 12 hours carryover (not ethics or LTC) |
| Exam provider | Pearson VUE |
| Licensing authority | Indiana Department of Insurance |
Verified against IDOI licensing, renewal and continuing education pages, the Pearson VUE Indiana candidate handbook and content outlines, and the Indiana Code. Confirm current fees with Pearson VUE and IDOI before you apply.
Our free Indiana Life & Health practice exam covers national life and health content plus Indiana law. You can also try the Indiana Property & Casualty practice exam.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Indiana Life & Health Insurance Exam
How many questions are on the Indiana Life & Health exam?
The combined Life and Health producer exam has 135 scored questions (100 general knowledge and 35 Indiana-specific) plus 15 unscored pretest questions, for 150 questions in 180 minutes.
What is the passing score for the Indiana insurance exam?
The passing score is 70% on all IDOI producer exams, set by IDOI with Pearson VUE and industry subject matter experts.
How many pre-licensing hours does Indiana require for Life & Health?
IDOI lists 20 hours for Life, 20 for Health, and 40 for Life & Health. You need an IDOI-recognized completion certificate, valid for six months, to take the exam.
Can I skip pre-licensing in Indiana?
Holders of CLU, CFP, CFC, CPCU, CIC or AAI designations, or an insurance bachelor's degree, can request a waiver from the Commissioner. Waiver holders take only the Life and Health Laws & Regulations exam.
How much does the Indiana insurance exam and license cost?
The exam fee is $69, paid to Pearson VUE. The application fee is $40 plus an online processing fee, and a resident producer renewal is $40.
How long must I wait to retake the Indiana exam?
You must wait 48 hours, and retake reservations must be made online or by phone, not at the test center.
How much CE does Indiana require?
Resident producers complete 24 hours every two years. Three hours must be ethics if you are licensed in Life or Accident & Health, and up to 12 hours can be carried over, except ethics and long-term care courses.