Getting an insurance license in Indiana
Indiana licenses through the Indiana Department of Insurance, which calls the licensee a producer. Which license you need depends on what you intend to sell, and the requirements differ sharply between them.
License types
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Application Organization
The organization behind the navigators. Indiana registers it rather than licensing it, and what the registration really buys is the right to write the navigator training course its own people take.
No course
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Bail Agent
Writes bail bonds in Indiana on the authority of a surety company that has appointed the agent. Its application fee is $650, sixteen times what Indiana charges to apply for a producer license, and its twelve hours of pre-licensing education are on a register where every approved course is taught in a classroom.
12 hrs
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Insurance Consultant
Advises for a fee rather than selling for a commission, on a written agreement signed before any work begins. Indiana makes the two mutually exclusive: a consultant license cannot be held at the same time as a producer, surplus lines or limited lines license, and a consultant may take no money from anybody who holds one.
No course
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Health
Sells health insurance in Indiana.
20 hrs
5 courses from $79.95
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Independent Adjuster
Contracts with insurers and self-insurers to investigate, negotiate or settle property, casualty and workers' compensation claims. Indiana is one of the few states that asks an adjuster for a real pre-licensing course, forty hours of it, and one of fewer still where two national sellers are on the register that approves them.
40 hrs
2 courses from $169.95
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Life & Health
Both halves of life and health in Indiana, on the two single-line courses added together.
40 hrs
5 courses from $79.95
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Life
Sells life insurance in Indiana.
20 hrs
5 courses from $79.95
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Limited Line Credit
Sells credit insurance written against a loan or a purchase. Indiana issues it as a limited lines producer license and asks the applicant for no course and no paper at all.
No course
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Indiana Navigator
Helps a consumer complete a federal Health Insurance Marketplace application or an Indiana Health Coverage Program application. It is a certification rather than a license, and it sits outside the producer licensing chapter entirely. Six navigator credentials here ask for a course and an examination both, among them Wisconsin's, Missouri's, Maine's and Georgia's.
8 hrs
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Personal & Commercial Property and Casualty
The full property and casualty license in Indiana, household and business alike.
40 hrs
5 courses from $79.95
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Personal Lines Property and Casualty
Sells the household half of property and casualty in Indiana.
20 hrs
5 courses from $109.95
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Pharmacy Benefit Manager
Runs the drug benefit for a health plan. Indiana grants it on a certification of licensure and asks for ten separate attachments, of which the audited accounts have to show a positive net worth.
No course
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Portable Electronics
Lets a phone or laptop vendor sell cover on the device it just sold, under one limited lines license that reaches every counter it runs. Nobody behind the counter is licensed and nobody sits an examination.
No course
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Public Adjuster
Advises an insured on a property claim for a fee, under a certificate of authority that makes the holder a Certified Public Adjuster. Indiana fences the work three ways, all of them since 2023: a public adjuster may not file the claim, may not touch a personal injury or automobile liability claim, and may not be the roofer on the same job. Kansas fences it a fourth way, confining its own public adjuster to commercial lines contracts.
No course
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Recovery Agent
Retakes a defendant who has skipped bail, working for a licensed bail agent or a surety company. Indiana licenses it separately from the bail agent, on the same twelve-hour course and the same examination paper, and it is the only license here whose sponsorship is optional on the way in and required to renew.
12 hrs
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Reinsurance Intermediary Broker
Places a ceding insurer's reinsurance without the power to bind it. Indiana licenses the broker and the manager separately and asks the broker for the shorter of the two packets.
No course
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Reinsurance Intermediary Manager
Binds or manages a reinsurer's assumed book, which is the authority the broker license does not carry. Indiana asks it for the same electronic application and two documents more.
No course
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Self-Storage
Lets a storage facility sell cover on what a tenant leaves in the unit. It is the limited line the Department's examination table leaves out and the statute puts in, and it works exactly like the portable electronics license beside it.
No course
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Surplus Lines Producer
Places business with insurers not admitted in Indiana, after a diligent search has shown the admitted market will not write it. The Department calls it a second level of licensing and means it literally: the property and casualty producer license comes first, and then a paper of its own.
No course
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Temporary Insurance Producer
Keeps an insurance book being serviced when the person who was servicing it cannot. Nobody qualifies for it by study: the commissioner issues it where it is needed in the public interest, for no more than 180 days.
No course
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Third Party Administrator
Administers life, health or annuity coverage for somebody who is not the insurer. Indiana licenses it, and the way in for an out-of-state administrator depends on which of nine named states it is already licensed in.
No course
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Title
Sells title insurance in Indiana. Ten hours and no examination, so the course is the whole of the qualification rather than preparation for a test. It is also the one Indiana line that no designation and no degree shortens.
10 hrs
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Travel
Sells travel insurance in Indiana as a limited lines producer. The Department's list of the licenses it examines does not include it, and neither does its list of the courses it certifies.
No course
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Viatical Settlement Provider
Buys a life policy from the person insured under it, or finances somebody else who does. It is the only one of Indiana's three viatical roles that is actually licensed, and it costs a thousand dollars and asks for a hundred and fifty thousand of net worth.
No course
Is a course required?
Indiana requires pre-licensing education for Life, Health, Personal Lines Property and Casualty , at 20 hours.
The certificate of completion is valid for six months, and both the exam and the license application have to happen inside that window. The statute sets the figure per producer type rather than per line, and its list is the site's: twenty hours for life, twenty for health, forty for life and health, forty for property and casualty, twenty for personal lines and ten for title.
Read at the Department on 2026-08-15 . IC 27-1-15.7-5(a)(2), Certified prelicensing courses of study
Indiana requires pre-licensing education for Life & Health, Personal & Commercial Property and Casualty , at 40 hours.
The combined figure is the two single-line courses added together. The statute sets the figure per producer type rather than per line, and its list is the site's: twenty hours for life, twenty for health, forty for life and health, forty for property and casualty, twenty for personal lines and ten for title.
Read at the Department on 2026-08-15 . IC 27-1-15.7-5(a)(2), Certified prelicensing courses of study
Indiana requires pre-licensing education for Title , at 10 hours.
Ten hours, and no examination. Title is one of the licenses Indiana issues without one, so the course is the whole of the requirement rather than the gate in front of an exam. The statute sets the figure per producer type rather than per line, and its list is the site's: twenty hours for life, twenty for health, forty for life and health, forty for property and casualty, twenty for personal lines and ten for title.
Read at the Department on 2026-08-15 . IC 27-1-15.7-5(a)(2), Certified prelicensing courses of study
Indiana requires pre-licensing education for Independent Adjuster , at 40 hours.
The statute asks for "a prelicensing course of study for the line of authority in which the individual has applied" and puts no number on it. The Department does: "For resident Independent Adjusters, forty (40) hours of pre-licensing education are required."Sircon's Indiana register carries six approved courses under the Adjuster category and every one of them is filed at forty credits, which is the register agreeing with the page. Two of the six belong to national sellers. IC 27-1-28-15(e) is the one way past it and it removes the examination as well: a current claims certification from a national or state claims association whose program the Department has approved, which the Department names as the Uniform Claims Certification held with the Claims and Litigation Management Alliance.
Read at the Department on 2026-08-19 . IC 27-1-28-12(b)(5), with the hour count published by the Department
Indiana requires pre-licensing education for Bail Agent, Recovery Agent , at 12 hours.
Twelve hours of Bail/Recovery pre-licensing education, found through Sircon's approved courses inquiry under the Bail/Recovery course category. Five courses sit in that category and every one of them is classroom delivery from an Indiana bail business or bail school. No national seller is on it and no self-study course is approved, so this is a course requirement no online product can satisfy, whatever its hours say. Renewal asks for six hours of continuing education from the same register.
Read at the Department on 2026-08-19 . The Department's first-time bail agent and recovery agent process, step one
Indiana requires pre-licensing education for Indiana Navigator , at 8 hours.
IC 27-19-4-11(b) sets out what the course of study must cover in four subjects and names no number of hours. The Department's register does: four approved Navigator courses, all self-study, all at eight credits. IC 27-19-4-11(d)(1)(B) is why they belong to who they belong to, because it directs the commissioner to let a registered application organization write its own training program and curriculum for its own navigators, so every one of the four is an Indiana health non-profit or community organization rather than a school. The certification is not a producer license and IC 27-19-4-2 says so: "Neither a navigator nor an application organization is subject to the licensing requirements of IC 27-1-15.6."
Read at the Department on 2026-08-19 . IC 27-19-4-5(b)(3) and IC 27-19-4-11, with the hour count published on the Department's register
Fees
| Charge | Paid to | Amount |
|---|---|---|
| License application fee The same figure for every producer line, every limited line and the consultant, charged per license and not refundable. IC 27-1-15.6-32(b) makes it a two-year renewal fee as well, $40 for a resident and $90 for a nonresident. | Indiana Department of Insurance | $40.00 |
| Independent adjuster license IC 27-1-28-12(a)(2) to apply and IC 27-1-28-14(c) to renew, on a two-year term. A license that has expired can be reissued within twelve months for $80. | Indiana Department of Insurance | $40.00 |
| Public adjuster certificate of authority An annual fee under IC 27-1-27-4(c), which the commissioner may change by rule to whatever administering the chapter costs. The certificate expires on 31 December of the year it was issued, so an applicant licensed in November pays again six weeks later unless the application arrived on or after 1 October. | Indiana Department of Insurance | $50.00 |
| Surplus lines producer license IC 27-1-15.6-32(d), every two years, for a resident. A nonresident pays $120. Either way it is double the producer license it has to sit on top of. | Indiana Department of Insurance | $80.00 |
| Bail agent license application Against $40 for a producer license, which makes it the dearest individual license the Department issues. It renews at $300. | Indiana Department of Insurance | $650.00 |
| Recovery agent license application It renews at $300 as well, so a recovery agent is the only licensee here who pays the same to start as to continue. | Indiana Department of Insurance | $300.00 |
| Bail and recovery agent examination fee Paid online by card when the examination is booked. Bail agents and recovery agents sit the same paper and pay the same fee for it. | Indiana Department of Insurance | $50.00 |
| Viatical settlement provider license Filed by post with a copy of the most current audited financial statement showing a net worth of not less than $150,000. The viatical settlement agent and broker pay nothing, because the Department declares them rather than licensing them. | Indiana Department of Insurance | $1,000.00 |
| Nonresident license application fee What a nonresident or designated home state applicant pays instead of the $40 resident fee for a producer or limited lines license, under IC 27-1-15.6-32(b). It is an alternative to the resident fee rather than a charge on top, so no cost page totals both. | Indiana Department of Insurance | $90.00 |
| Duplicate license A ceiling rather than a price: IC 27-1-15.6-32(e) says the fee for a duplicate producer, surplus lines producer, limited lines producer or consultant license may not exceed ten dollars. It replaces a lost license rather than buying one, so no route cost includes it. | Indiana Department of Insurance | $10.00 |
| Reinsurance intermediary filing fee The Department prints the figure on the applications themselves rather than in a fee schedule: both the Reinsurance Intermediary Broker application and the Reinsurance Intermediary Manager application carry "Filing Fee in the amount of: Initial $100.00", and both renew at the same $100. IC 27-6-9-15 licenses the intermediary and leaves the amount to the commissioner, which is why the statute does not carry it. The manager also files a certified errors and omissions policy under 760 IAC 1-51, which is cover rather than a payment and is not totalled here. | Indiana Department of Insurance | $100.00 |
| Pharmacy benefit manager license fee Searched and capped rather than set. IC 27-1-24.5 lets the commissioner charge a license application fee and renewal fees "in an amount not to exceed five hundred dollars", to be deposited in the department of insurance fund, and leaves the figure to the commissioner. The Department's own pharmacy benefit manager initial registration page carries the filing requirements and names no amount. The ceiling is certain and the price is not, so the amount is recorded as unread rather than guessed. | Indiana Department of Insurance | Not confirmed |
| Third party administrator and application organization fee Searched and not published. IC 27-1-25-11.1 makes a resident third party administrator's application carry "an application fee in an amount determined by the commissioner" and IC 27-1-25-12.2 says the same for a nonresident, so the statute will never carry the figure. The Department's third party administrator pages carry the filing requirements and no amount, and IC 27-1-3-15, which is Indiana's statutory fee section, prices insurer filings rather than entity licenses. The amounts are left unread rather than guessed. | Indiana Department of Insurance | Not confirmed |
| Navigator certification fee Searched and not published. IC 27-19 and 760 IAC 4-2-1 require certification as an Indiana Navigator and annual renewal, and neither names a figure. The Department's Indiana Navigators page carries the eight-credit course requirement and the renewal process without pricing either. It is the same drafting Maine, Ohio and Oklahoma use for their navigators, and in every one of them the fee is left to the regulator. The amount is left unread rather than guessed. | Indiana Department of Insurance | Not confirmed |
| Temporary producer license fee Searched and not separately priced. IC 27-1-15.6-32 is Indiana's producer fee section and it prices three things: a resident license renewal at $40 every two years, a nonresident at $90 and a designated home state license at $90, plus a duplicate license at not more than $10. It says nothing about the temporary producer license, and the Department's licensing pages do not price it either. Whether a temporary applicant pays the ordinary $40 or nothing at all is not established by either, so the amount is left unread rather than inferred. | Indiana Department of Insurance | Not confirmed |
Every amount above was read at its own source between 2026-08-19 and 2026-09-05. Exam and fingerprint charges go to a vendor, not to the Department, and say so.
Approved courses
Indiana approves the pre-licensing provider and publishes the approved courses through Sircon rather than on the Department's own site. The certificate has to name the same examination the candidate registered for, and it is valid for six months, inside which the examination has to be passed and the application filed. Read on 2026-08-19 one course category at a time, the register holds 120 courses from 39 providers. Three of its categories matter to licenses nobody had built here: Adjuster holds six courses at forty credits each, two of them from national sellers; Bail/Recovery holds five at twelve credits, every one of them classroom delivery from an Indiana bail business; and Navigator PE holds four at eight credits, every one self-study from an Indiana health non-profit. Ticking every category at once caps the result at 100 rows and truncates alphabetically without saying so. You can search it at sircon.com .