PassProfessor’s Indiana program is part of the expanding PassProfessor catalog. The 8,923-question Indiana practice bank is built and audited, and enrollment opens as the catalog expands. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exam.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The Indiana P&C exam, in one paragraph
The Indiana Property & Casualty (P&C) exam is the licensing exam for Indiana’s combined personal and commercial property and casualty producer line, administered by Pearson VUE (Pearson Professional Assessments) for the Indiana Department of Insurance (IDOI). You will see 150 multiple-choice questions in 180 minutes: 135 are scored — 100 on general insurance knowledge and 35 on Indiana laws, rules, and regulations — and 15 are unscored pretest questions you cannot identify. You pass with a score of 70. Indiana requires 40 hours of pre-licensing education from an IDOI-approved provider before you may test, and the clock that governs the whole process is short: your course Certificate of Completion is valid for only six months, inside which you must both pass this exam and apply for your license.
Who can take the Indiana P&C exam?
Indiana’s requirements are set by IDOI under Title 27, Article 1 of the Indiana Code. To be licensed as a resident Property & Casualty producer, you must:
- Be at least 18 years old.
- Maintain your principal place of residence or principal place of business in Indiana (this is the resident license; nonresidents licensed in their home state follow a separate, exam-free route).
- Be a United States citizen or a legal alien with work authorization from the U.S. Bureau of Citizenship and Immigration Services. If you rely on work authorization, IDOI requires documentation supporting that status, submitted to the Department or attached to your application.
- Complete the required pre-licensing education and pass the examination (both detailed below).
- Not have committed any act that is a ground for denial, suspension, or revocation of a license. IDOI’s general requirements state this eligibility bar directly; answer every background question on the application fully and accurately.
- Submit the application and the nonrefundable fees for the license (see §5).
The pre-licensing education requirement — read this first. Unlike states that let you walk straight to the exam, Indiana requires a certified pre-licensing course of study before you test. For the Personal & Commercial Property and Casualty line, IDOI’s requirement table sets the course at 40 hours (Indiana Code 27-1-15.7-5 sets the floor for property and casualty producers at not less than 40 hours of instruction, covering ethical practices, Indiana insurance laws and administrative rules, and the principles of property and casualty insurance). Personal Lines only — a narrower authority — requires 20 hours. Key mechanics:
- The course must come from an IDOI-approved provider. Approved courses are searchable through Sircon (www.sircon.com/Indiana, “Look Up Education Courses/Credits” → “Approved Courses Inquiry”). State-approved self-study courses may be used to fulfill the requirement.
- Your provider issues a Certificate of Completion at the end of the course. It must be dated and signed by the provider or instructor and must match the examination you take.
- The certificate is valid for six months. Under Indiana Code 27-1-15.6-6(c), you must pass your exam and apply for your license during that six-month period. Miss the window and the education step has to be dealt with again — this is the deadline Indiana candidates most often underestimate, because it starts at course completion, not at the exam.
- Bring the certificate to the test center. It is a required exam-day document (electronic copies are allowed, but they must be the original document, not a duplicate copy). Candidates who do not present the required items are denied admission, counted absent, and forfeit the exam fee.
- Neither IDOI nor Pearson endorses any particular pre-licensing course or study materials — the choice of provider is yours.
The waiver exception. Under Indiana Code 27-1-15.6-9, you may be exempt from the pre-licensing education requirement if you hold a qualifying professional designation or degree. For the Property & Casualty and Personal Lines lines, the qualifying designations are the Chartered Property and Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), and Accredited Advisor in Insurance (AAI); a bachelor’s degree in insurance qualifies for all lines. A waiver is not automatic: you request it from IDOI by emailing agentlicensing@idoi.in.gov with your name as it appears on your driver’s license, the license qualification you are applying for, and a photocopy of your designation certificate or degree. Once the waiver is granted, you do not take the full P&C exam — you take only the P&C Laws & Regulations exam on Indiana law (40 questions, 60 minutes, $50), bringing the waiver with you to the test center. Everyone else takes the full combined exam described in §3.
One product note, stated plainly: PassProfessor is exam preparation only. It is not an IDOI-approved pre-licensing course, it provides no education credit, and it does not satisfy the 40-hour requirement. Its role begins where the requirement leaves off — preparing you to pass the exam your course qualifies you to take, inside the window your certificate allows.
The exam, piece by piece
The exam is a single sitting built from two Pearson VUE documents: the Property & Casualty General Knowledge outline (100 scored questions) and the Property & Casualty Indiana Specific outline (35 scored questions) on state laws, rules, and regulations. Both come from the Indiana Insurance Content Outlines effective November 26, 2025.
| Part / section | Scored questions | What it covers |
|---|---|---|
| General knowledge | ||
| I. Types of Policies | 22 | Homeowners (HO-2 through HO-8), dwelling, commercial lines (commercial package, commercial property, business income, equipment breakdown, builders risk), businessowners, inland marine, the National Flood Insurance Program, farm, earthquake, watercraft, and other property forms |
| II. Insurance Terms and Related Concepts | 15 | Insurance and insurable interest, risk, hazards, perils, loss and valuation (ACV, replacement cost, market, stated, salvage), proximate cause, deductibles, indemnity, limits, coinsurance, liability types, negligence, binders, and endorsements |
| III. Policy Provisions and Contract Law | 13 | Declarations, insuring agreement, conditions, exclusions, definition of the insured, duties after a loss, mortgagee rights, proof of loss, appraisal, subrogation, the elements of a contract, warranties/representations/concealment, underwriting information sources, the Fair Credit Reporting Act, and TRIA |
| IV. Types of Policies, Bonds, and Related Terms | 23 | Commercial general liability, personal and business auto, workers’ compensation and employers liability concepts, crime, surety and fidelity bonds, professional liability (E&O, D&O, EPLI, cyber), and umbrella/excess liability |
| V. Insurance Terms and Related Concepts | 15 | Casualty-side vocabulary: risk and hazards, indemnity, insurable interest, loss valuation, negligence, liability, occurrence, binders, warranties, representations, concealment, deposit premium/audit, certificates of insurance, and compensatory vs. punitive damages |
| VI. Policy Provisions | 12 | Casualty policy provisions: declarations, insuring agreement, conditions, exclusions and limitations, definition of the insured, duties of the insured after a loss, cancellation and nonrenewal provisions, supplementary payments, proof of loss, notice of claim, other insurance, subrogation, loss settlement, and TRIA |
| Indiana-specific | ||
| I. Indiana Laws and Department Rules Common to All Lines of Insurance | 23 | The Department of Insurance and the Commissioner, admission and examination of insurance companies, Indiana’s insurance guaranty associations, producer licensing laws (types of licenses, who must be licensed, qualifications, appointments and terminations, producer limitations and license maintenance), producer/company compliance, unfair competition law and violations, unfair claims settlement practices, penalties and disciplinary actions |
| II. Surplus Lines Common to Personal and Commercial | 2 | Surplus lines producers — purpose, duties, and the gross premium tax |
| III. Personal Lines Regulations | 5 | Auto claims, Indiana automobile insurance (financial responsibility, uninsured and underinsured motorist coverages, policy cancellation and nonrenewal, the Automobile Insurance Plan, transportation network company drivers), mine subsidence, and termination of residential policies |
| IV. Commercial Lines Regulations | 5 | Indiana workers’ compensation (benefits, who must be insured, minors, the Second Injury Fund, the Assigned Risk Plan) and cancellation of commercial policies |
| Total scored | 135 | Plus 15 unscored pretest questions (10 general + 5 Indiana-specific) = 150 on screen |
Four structural facts that shape how you should prepare:
- Indiana law is the second-largest block on the exam. At 35 of 135 scored questions (about 26%), the Indiana-specific part outweighs every general section except the two Types of Policies sections — and its biggest piece, the 23-question “common to all lines” section, is pure Indiana licensing and market-conduct law. Candidates who prepare from a national textbook alone walk in underprepared for a quarter of the test.
- The two Types of Policies sections carry 45 of the 100 general questions. Policy forms — what each covers, excludes, and how it pays — are the general half’s center of gravity.
- There is one score, not two. The general and Indiana questions combine into a single result with a single passing score. A weak Indiana section can be offset by a strong general section — and the reverse is also true.
- The six-month clock runs underneath everything. Your study plan is not open-ended: it must land a pass and a filed application within six months of your course completion date.
Pretest questions. Fifteen of the 150 questions on screen (10 general, 5 Indiana-specific) are pretest items Pearson VUE is collecting statistics on for future examinations. They are mixed in with the scored questions, they are not identified, and your responses to them do not affect your score. There is no way to game them — the only correct strategy is to treat every question as scored.
The passing standard, explained
You pass with a score of 70.
The passing score is determined by IDOI, in consultation with Pearson VUE and industry subject-matter experts. Pearson VUE standardizes and controls the examination so that no individual has an unfair advantage or disadvantage because of a particular examination format or setting — different sittings present different mixes of questions, and the passing standard is held constant across them. Two practical consequences:
- Do not study to a percentage of practice questions. The number that matters is the score on your official report. The safe approach is to practice until your full-simulation scores sit comfortably above the passing zone, with no outline section left weak — because the single result draws on the whole exam, general and Indiana parts together.
- Your score report is the only official reading. You leave the test center with an official score report in hand. If you need a duplicate later, you obtain it by logging into your Pearson account.
A note on pass rates. Pearson VUE does not publish an overall pass rate for this exam in its Indiana handbook, and IDOI does not publish a single exam-wide rate: what IDOI publishes is pass ratios by pre-licensing education provider (its “Approved Pre-Licensing Education Provider Pass Ratios”), which describe how each school’s classroom students performed, not the odds for candidates generally. Any website quoting one precise Indiana P&C pass rate is quoting something the official sources do not provide. What the structure tells you is enough: 135 scored questions, a fixed passing score of 70, and a six-month window that punishes casual preparation. Candidates who prepare against the outline pass this exam every testing day.
Fees and registration, step by step
Keep the payments separate in your mind — they go to different places at different times, and your pre-licensing course tuition is a fourth cost set by your chosen provider.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Pre-licensing course tuition | Set by the provider | Your IDOI-approved education provider | Before the exam (40-hour course) |
| Exam fee | $69 | Pearson VUE | When you reserve your appointment |
| License application | $40 + an online processing fee | IDOI, via Sircon or NIPR | When you apply |
| This exam-prep program (optional) | $29 | PassProfessor | Your choice — prep only, no education credit |
Exam fees are non-refundable and non-transferable, except as detailed in Pearson’s Change/Cancel Policy; license application fees are nonrefundable and nontransferable.
The sequence, in order:
- Complete the 40-hour pre-licensing course with an IDOI-approved provider (or obtain an IDOI waiver, §2) and keep your Certificate of Completion. Your six-month window starts at completion.
- Reserve the exam. Create an account and book on Pearson VUE’s Indiana insurance page (www.pearsonvue.com/in/insurance) or by phone at (866) 895-0496. Reservations must be made at least 24 hours before the desired examination date; appointments may be made up to one calendar day prior, subject to availability. Walk-in examinations are not available. Have ready: your legal name, residence address, Social Security number, daytime telephone number, date of birth, the name of the examination, and your preferred date and test center. The name on your account must match your government-issued ID exactly — it will appear as entered on your score documentation and licensing reports. Pay the $69 fee at reservation by credit card, debit card, or voucher; fees are not accepted at the test center. Testing is at Pearson VUE test centers — including, for service members, select centers on military installations — and the P&C exam is also offered in Spanish at the same $69 fee.
- Take the exam. Report at least 30 minutes early with the identification and the course certificate described in §8. You receive your official score report before you leave.
- Apply for the license. Submit the online application through Sircon (www.sircon.com/Indiana) or NIPR (www.nipr.com), with the $40 fee plus the online processing fee. IDOI’s process has three steps — education, examination, application — and your application stays “Pending” or “Under State Review” until all three are complete. Two timing warnings from IDOI itself: you must pass and apply inside your six-month certificate window, and an application still incomplete 30 days after submission is closed for deficiency. Allow 7–10 business days for processing before contacting the Department, and check your status through Sircon or NIPR.
- Get appointed. A license gives you the authority; an appointment by an insurance company is what lets you sell that company’s products and be paid commission on them — Indiana law ties commission payment to being a duly appointed agent of the insurer at the time it pays. Appointment follows licensure and is arranged with each carrier you will represent.
After you pass
Passing the exam is the middle of the process, not the end. What remains:
- Apply promptly — the window is the deadline. There is no separate, longer “score validity” period to fall back on: Indiana Code 27-1-15.6-6(c) ties everything to the six-month life of your pre-licensing certificate. Pass and apply inside it.
- Application mechanics. Apply online at www.sircon.com/Indiana or www.nipr.com; the fee is $40 plus an online processing fee, nonrefundable and nontransferable. (IDOI also accepts the NAIC uniform paper application by mail with the $40 fee, but the online route is the Department’s standard path.) Verify your application’s status in Sircon (“Check license application status”) or NIPR’s Licensing Center rather than assuming silence means progress — and complete any deficiency promptly, because incomplete submissions are closed after 30 days.
- No fingerprint step. IDOI’s published resident process is three steps — education, examination, application — with no fingerprinting stage. What the application does require is complete, honest background answers: IDOI’s eligibility rules bar licensure for anyone who has committed an act that is a ground for denial, suspension, or revocation, and consent under the federal 18 U.S.C. 1033 framework (which governs people convicted of certain felonies involving dishonesty or breach of trust working in insurance) is part of IDOI’s published licensing materials.
- Keep the license. Indiana producer licenses run on a renewal cycle with continuing education — 24 hours of approved CE per renewal period under Indiana Code 27-1-15.7-2 — tracked through Sircon. That obligation starts after you are licensed; it is listed here only so the full shape of the commitment is visible before you begin.
Retakes and score validity
- The wait is 48 hours. Candidates must wait forty-eight (48) hours before retaking an examination. Reservations for reexamination are not made at the test center — book again online at www.pearsonvue.com/in/insurance or by calling (866) 895-0496.
- The $69 fee applies to each attempt. There is no discounted or free retake.
- The handbook states no cap on attempts — but Indiana’s six-month certificate window is a practical limit with teeth. Every failed attempt consumes window you cannot get back, and if the window closes before you have passed and applied, the pre-licensing education step must be addressed again before licensure. Treat the first attempt as the attempt that matters: rebuild a failed attempt’s preparation around the outline sections that cost you, using your practice breakdown, rather than re-sitting quickly on the same knowledge.
- Change/cancel mechanics (before, not after, a failure). To change or cancel a reservation without losing the fee, call Pearson at (866) 895-0496 at least 48 hours before the examination; with proper notice you may transfer the fee to a new reservation or request a refund (credit/debit refunds are immediate; voucher refunds take two to three weeks). Without proper notice, the fee is forfeited. If you are late or absent for a listed excusable reason — illness (yours or an immediate family member’s), a death in your immediate family, a disabling traffic accident, a court appearance or jury duty, military duty, or a weather emergency — you may call Pearson within 14 days of the exam date to request an excused absence and receive instructions for documentation.
Test day
- Arrive 30 minutes early. Report to the test center at least thirty minutes before the examination to complete registration: your identification and documentation are reviewed, and you are photographed for the score report. Candidates who arrive late may not be admitted and forfeit the fee.
- Bring exactly two things. (1) One form of acceptable identification: government-issued, photo-bearing, with a valid signature, not expired, in English — a driver’s license, state/country ID card, passport or passport card, military ID, or alien registration card are on Pearson’s list. The name must exactly match your registration; if you have changed your name, bring written documentation of the change (marriage license, divorce decree, or similar legal documentation). Pearson recognizes no grace periods: an ID that expired yesterday is expired, even if your state allows renewal grace. (2) Your pre-licensing Course Completion Certificate (or, for waiver candidates, the IDOI waiver). Electronic copies are allowed but must be the original document. Missing either item means denied admission, an absence, and a forfeited fee.
- Leave everything else behind. No personal items enter the testing room — phones and other electronics, watches, wallets, purses, hats, bags, coats, books, notes, pens, or pencils. Items are stored in a secure area indicated by the administrator, electronics switched off; the test center is not responsible for lost or misplaced items. Studying is not allowed in the test center, and visitors and children are not allowed either. You may not bring your own calculator; the administrator provides the materials specified for note-taking or calculations once you are seated, and you may not write on them before the exam begins or remove them from the room.
- During the exam. You review and sign a Candidate Rules Agreement; giving or receiving help, using aids, impersonation, or removing exam materials leads to dismissal, forfeiture of the fee, and a report to IDOI, which decides on disciplinary measures. Unscheduled breaks are permitted if you raise your hand for the administrator — but the exam clock does not stop, you must leave the testing room, and you may not leave the floor or building or access phones, notes, or study materials during a break. Eating, drinking, gum, and smoking are prohibited in the room.
- Pace for 150, not 135. You have 180 minutes for everything on screen, including the 15 pretest items you cannot identify — about 72 seconds per question. Flag-and-return discipline matters: a hard question costs the same time whether you answer it now or after the ones you know.
- Results are immediate. The examination ends automatically when time expires, and you leave the test center with your official score report in hand. If you passed, your next step is the application in §5–§6 — started promptly, because your six-month clock is still running.
- Accommodations and ESL. Pearson provides reasonable accommodations under the ADA (for example, a separate testing room, extra time, or a reader/recorder), requested through Pearson’s accommodations process with documentation of the condition. Candidates for whom English is a second language may request additional time — one-and-a-half times the standard length — using the ESL Request Form in the back of the candidate handbook, with a supporting letter from an English instructor or sponsoring company; do not reserve until Pearson notifies you the request is approved.
How to study for this exam
The outlines are the syllabus — Pearson VUE publishes exactly what the exam covers, section by section, and the weights above are question counts, not suggestions. A plan built on that structure, and on Indiana’s unusual timeline:
- Study inside the course window, not after it. Your 40-hour pre-licensing course is both a requirement and your first study pass — but the certificate it issues starts a six-month countdown. The strongest Indiana sequence is: take the course, then immediately shift into question-based practice while the material is fresh, and book the exam weeks — not months — later.
- Give the Indiana-specific part its full weight. Thirty-five questions — about 26% of the exam — come from Indiana laws and department rules, and they reward direct knowledge of concrete facts: who the Commissioner is and how the Department works, how producers are licensed, appointed, and disciplined, what the guaranty associations do, how surplus lines and the gross premium tax work, Indiana’s financial-responsibility and uninsured-motorist rules, the Automobile Insurance Plan, mine subsidence, and Indiana workers’ compensation including the Second Injury Fund and the Assigned Risk Plan. This is the highest-yield study block on the exam and the one national materials underweight.
- Give the two Types of Policies sections their combined weight. At 45 of 100 general questions, policy forms — homeowners and dwelling, personal and commercial auto, commercial property and liability, workers’ compensation concepts, flood, bonds — decide the general half. Learn them comparatively: what each form covers, excludes, and how it pays.
- Learn terms in context, not as a glossary. The two Terms and Related Concepts sections (30 general questions) test vocabulary through scenarios. Definitions learned inside questions stick; definitions learned off a list leak.
- Practice at full length, against the clock. 150 questions in 180 minutes is a pacing skill separate from knowledge — and with a 48-hour retake wait and a six-month deadline behind it, an avoidable fail is expensive in time, not just in the $69 fee. Full generated practice exams at the real weights build both knowledge and pace; short quizzes build only one.
- Read every explanation, especially for questions you got right. A right answer from a wrong reason is a wrong answer waiting for a different question. Explanations are where scenario knowledge actually forms.
- Book when your simulations say so — consistently comfortable full-exam practice scores, with the Indiana sections no longer your weakest block, and enough of your six months left to apply the day you pass.
This program’s Indiana practice bank (8,923 questions, including 1,429 on Indiana laws and department rules) is built section-by-section on these same outlines. The Indiana Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
Frequently asked questions
How many questions are on the Indiana P&C exam?
150 questions appear on screen in 180 minutes. 135 are scored — 100 general knowledge and 35 Indiana-specific — and 15 are unscored pretest questions (10 general, 5 Indiana-specific) mixed in so candidates cannot tell them apart.
What is the passing score for the Indiana insurance exam?
A score of 70. The passing score is determined by IDOI in consultation with Pearson VUE and industry subject-matter experts, and Pearson standardizes the exam across its different versions.
Does Indiana require pre-licensing education for a P&C license?
Yes — 40 hours for the Personal & Commercial Property and Casualty line, from an IDOI-approved provider, completed before you test. Personal Lines only requires 20 hours. Holders of the CPCU, CIC, or AAI designation, or a bachelor’s degree in insurance, may request an IDOI waiver of the education requirement and instead take the shorter P&C Laws & Regulations exam (40 questions, 60 minutes, $50).
Does PassProfessor count as pre-licensing education?
No. This program is exam preparation only — it is not an IDOI-approved pre-licensing course, provides no education credit, and does not satisfy Indiana’s 40-hour requirement. You still need your hours from an approved provider; this prepares you for the exam itself.
How much does the Indiana P&C exam cost?
The exam fee is $69, paid to Pearson VUE when you reserve. The license application after you pass is $40 plus an online processing fee, paid through Sircon or NIPR. Your approved pre-licensing course charges its own tuition.
How do I register for the Indiana insurance exam?
Reserve through Pearson VUE’s Indiana insurance page (www.pearsonvue.com/in/insurance) or by calling (866) 895-0496. Reservations must be made at least 24 hours before the desired exam date, walk-ins are not available, and the name on your account must match your government-issued ID exactly.
Can I take the Indiana insurance exam online?
No. Indiana insurance candidates reserve an appointment in a physical testing center; Pearson VUE’s Indiana program page states that candidates may reserve their appointment in a physical testing center, and the candidate handbook’s procedures are test-center procedures.
What do I need to bring to the exam?
One acceptable government-issued photo ID (with a visible signature, unexpired, name matching your registration) and your pre-licensing Course Completion Certificate — electronic copies are allowed if they are the original document. Without both, you are denied admission and forfeit the fee.
What happens after I pass the Indiana P&C exam?
Apply for your license online through Sircon or NIPR with the $40 fee plus processing fee — inside the six-month window that began when you completed your pre-licensing course. Then arrange appointment with each insurance company whose products you will sell.
How long is my Indiana exam score valid?
Indiana ties the deadline to your pre-licensing certificate: under Indiana Code 27-1-15.6-6(c) you must pass the exam and apply for the license during the six-month period the certificate is valid. There is no separate longer window after passing.
If I fail, how soon can I retake the Indiana exam?
After a 48-hour wait. Book the new appointment online or by phone — reexamination reservations are not made at the test center — and the $69 fee applies again. Plan the retake inside your remaining certificate window.
Is there a limit on how many times I can retake it?
The candidate handbook states the 48-hour waiting rule and no overall attempt cap. The binding limit in practice is your six-month certificate window: it keeps running while you retake.
Do I need to be fingerprinted for an Indiana producer license?
IDOI’s published resident licensing process has three steps — pre-licensing education, examination, and the online application — and includes no fingerprint step. The application does include background questions, and IDOI bars licensure for applicants who have committed an act that is a ground for denial, suspension, or revocation.
What Indiana-specific topics does the exam cover?
The 35-question Indiana part covers laws and department rules common to all lines (the Commissioner and IDOI, company admission and examination, guaranty associations, producer licensing, appointments, compliance, unfair competition and unfair claims practices, penalties), surplus lines, personal lines regulations (auto claims, financial responsibility, uninsured/underinsured motorist rules, the Automobile Insurance Plan, mine subsidence, residential policy termination), and commercial lines regulations (Indiana workers’ compensation, commercial policy cancellation).
Who is exempt from the full Indiana P&C exam?
Candidates who receive an IDOI waiver of pre-licensing education based on the CPCU, CIC, or AAI designation (or a bachelor’s degree in insurance) take only the P&C Laws & Regulations exam instead of the full combined exam. Separately, producers already licensed as residents of another state generally apply for an Indiana nonresident license without examination.
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the Indiana Department of Insurance, Pearson VUE, or any state agency or exam vendor. This guide is general information about the Indiana licensing exam, current as of October 2026; Indiana Department of Insurance and Pearson VUE publications govern if anything here differs from them.