Insurance License Hub

The Indiana Insurance Consultant license

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.

Course

None

This license has no pre-licensing course route.

Ways in

1

It requires the state exam.

Exam

Not confirmed

Required.

Every way to qualify

  1. Route 1 Pass the consultant examination for the class advised on

    State exam required

    The examination, scoped to the class applied for

    • A written examination the commissioner holds within a reasonable time of a completed application, limited to the type of consulting services the applicant designated: Class 1, being the kinds of insurance at IC 27-1-5-1 Class 1, or Class 2 and Class 3 together.

    and the written agreement, before any service

    • A written agreement submitted for the Commissioner's approval before any service is rendered, signed by the person receiving the services with a copy given to them beforehand, setting out the nature of the work and the method of compensation, and kept for at least two years after the work is done.

    and giving up the producer license

    • An individual or corporation may not concurrently hold a consultant license and an insurance producer, surplus lines producer or limited lines producer license, so the producer license goes when the consultant license arrives.

    IC 27-1-15.6-23(b) lets an applicant limit the scope of the consulting by saying so in the application, and then examines only for what was designated. Subsection (c) is the one with teeth: "In the absence of an agreement on the consultant's fee, the consultant shall not be entitled to recover a fee in any action at law or in equity."Subsection (a) exempts four people from needing the license at all, an Indiana attorney acting professionally, a licensed producer or surplus lines producer, a bank trust officer in the normal course of employment, and an actuary or certified public accountant acting in that capacity. The Department's own guidance adds the practical trap: the application is a paper NAIC uniform form mailed to the Department with a $40 check, and the applicant has to write "Consultant" rather than "Producer" under License Type or the application is processed as the wrong thing.

    Read at iga.in.gov on 2026-08-19

No national seller sells a course for this license. The consultant sits a written examination the commissioner holds, scoped to the class of insurance the applicant designated, and no seller prepares anybody for it. There is no pre-licensing course requirement to satisfy either.