Indiana is a state of great mystery and intrigue, but they strive to be upfront when it comes to continuing education (CE) requirements for insurance producers and insurance adjusters.
That’s fortunate, since CE is a foundational component of keeping a producer’s resident – and therefore any nonresident – insurance license in play.
We’re pretty amazing, and we pride ourselves on being up-to-date and knowledgeable when it comes to insurance-license everything, but we’d be remiss if we didn’t warn you to do due (do due, heh heh) diligence when it comes to staying current on your compliance requirements.
What is the due date for Indiana Insurance CE Credits?
Indiana’s CE is quite conventionally due on the same date as its licence renewal. Those due dates come around every two years on the last day of your birth month. Happy birthday! Get your CE done.
The Indiana Department of Insurance sends you an early birthday gift in the form of a CE and insurance license renewal notice, 90 days before that expiration date comes around.
There are some exceptions here: Bail or recovery agents’ licenses expire every two years on the last day of the month of their license anniversary. Resident and nonresident navigators also expire on the last day of their month of issuance, and they must renew their license annually.
Who’s exempt from Indiana Insurance CE?
Indiana has a lot of variation in its CE hours requirements for different lines of authority (LOA), but there are a handful of licensees who are just exempt altogether.
For one thing, all nonresident producer licensees are exempt from Indiana’s CE requirements, including for long-term care.
Even resident licensees are exempt if they have the following license types or LOA:
- Public adjuster
- Portable electronics
- Travel insurance
- Surplus lines
- Credit insurance
- Crop insurance
- Funeral director or prearranged funeral insurance
How many hours of CE are required for Indiana insurance producers?
Most Indiana producers or independent adjusters will have to get 24 hours of CE credit per biennial renewal cycle, including three hours of ethics. Aside from the three hours of ethics CE, Indiana also has some other tailored expectations for specific CE courses.
For instance, if you have a title license, you must have seven hours of title-license CE credits each period. Even if you only have a title license, you have to get those seven hours.
If you sell flood insurance, you must follow the National Flood Insurance Program requirements and take three hours of NFIP-specific courses. If you’re licensed to sell variable life or variable annuities, you have to take a one-time four-hour training about annuities. If you’re licensed to sell long-term care insurance, you have to take an initial training course of eight hours, plus five hours of ongoing training each renewal period. And if you plan to market policies in the Indiana Long-Term Care Program (ILTCP), you have to take both the eight hours of regular long-term care training and seven hours of ILTCP-specific training before you can sell ILTCP insurance.
Those licensed only as bail or recovery agents, as mentioned before, have slightly different due dates than those with other LOAs, but they also only have six hours of CE to maintain. Navigators, as well, only have two required CE hours.
Indiana doesn’t let you repeat CE courses in a renewal period, and you can’t roll over credits. Additionally, to certify a CE exam and verify that you completed your requirements, Indiana requires your online or remote exam to be proctored. Your proctor has to be a testing center employee or an Indiana-licensed producer, and certifies that you’re taking the exam closed-book and honestly.
Indiana, like most states, is a member of the NAIC Continuing Education Reciprocity agreement, so producers have a broad catalogue of national courses to choose from to obtain CE.
For more information about state-specific licensing requirements, or to find out how AgentSync can make it easier to operate across multiple states, check out our state jurisdiction pages.
Indiana Insurance CE FAQs
How do I renew my expired insurance license?
If you missed your CE deadline and insurance license renewal date by less than 30 days, the department of insurance may waive its penalty. If you’re outside of 30 days, but less than 12 months after your expiration date, you can reinstate your license without retaking a written exam by getting current on your CE and paying the regular renewal fees three times over. (Yes, to be clear, that’s a 300 percent fee for being late.)