Indiana
Holly Lambert
Indiana Department of Insurance Attn: Agent Licensing
311 West Washington Street
Indianapolis, Indiana, 46204
Appointments & Terminations
No, Registry
Appointments aren't required; Registry states must maintain an internal registry of authorized licensees to submit to the state upon request.
No
$0
No - Registry
Registry State - Cancelled; cancelled for cause
No
Licensing
Resident New License Insurance Producer: $40
Resident New License Surplus Lines Producer: $80
Resident New License Travel: $40
Nonresident New License Insurance Producer: $90
Nonresident New License Surplus Lines Producer: $120
Nonresident New License Travel: $90
Nonresident New License Limited Lines Reciprocal: $90 (When not charged a retaliatory fee). Retaliatory Fee Document
Resident Renewal Insurance Producer: $120 Resident Renewal Surplus Lines Broker: $240 Nonresident fee is based on the resident state
90 days before expiration
Last day of birth month every 2 years based on year of first state license issue
Late renewal allowed up to one year after expiration
90 days before expiration
Last day of birth month every 2 years based on year of first state license issue
Late renewal allowed up to one year after expiration
If the business address is in Indiana and the residence address is not in Indiana, then the business address cannot be a P.O. Box (for individuals).
No
Residence, Business, and Mailing
Third Party Administrator, Temporary Resident Producer Individual, Bail Agent, Property and Casualty, Surplus Lines, Life, Reinsurance Intermediary Broker, Consultant, Nonresident Viatical Settlement Provider, Professional Employer Organization - Full, Professional Employer Organization - Limited, Professional Employer Organization - Certified, Public Adjuster, Resident Independent Adjuster, Resident Third Party Administrator, Nonresident Third Party Administrator, Resident Producer - Individual, Nonresident Independent Adjuster, Producer - Individual, Resident Surplus Lines, Portable Electronics Ltd Lines, Travel Insurance, Limited Lines Reciprocal, Nonresident Title Designated Home State, Designated Home State Producer Individual, Designated Home State Producer Organization
Yes
Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA
Yes
An applicant may complete a pre-licensing self-study program.
The original pre-licensing certificate of dompletion must be submitted at the test site, and may be issued by: a. an authorized pre-licensing school; or b. a state-approved self-study course.
Course completion certificate is valid for 6 months
The following persons may be exempted from pre-licensing education requirements: a. a person applying for a life, accident and health or sickness, or variable life and variable annuity products qualification who holds one of the following designations: I. Chartered Life Underwriter (CLU); II. Certified Financial Planner (CFP); III. Chartered Financial Consultant (ChFC); or IV. another nationally recognized designation approved by the Commissioner; b. a person applying for a property, casualty, or personal lines qualification who holds one of the following designations: I. Chartered Property & Casualty Underwriter (CPCU); II. Certified Insurance Counselor (CIC); III. Accredited Advisor in Insurance (AAI); or IV. another nationally recognized designation approved by the Commissioner; or c. a person who holds a bachelor's degree in insurance and applies for one of the following qualifications: I. life; II. accident and health or sickness; III. property; IV. casualty; V. variable life and variable annuity products; or VI. personal lines.
An applicant for a producer license must complete an approved program of prelicense education. a. The course must not be completed more than 6 months before the application filing date. b. If an applicant is exempt from the examination requirement, then the prelicense course is not required. The prelicensing requirements for each line of insurance are as follows: a. life - 20 hours; b. health - 20 hours; c. life & health - 40 hours; d. property & casualty - 40 hours; e. personal lines - 20 hours; f. limited title - 10 hours; and g. variable life and variable annuity - 4 hours. A navigator applicant must complete a navigator pre-certification program prior to taking the navigator examination
Not Required
Six Months
NIPR Gateway
Applicants applying for an Indiana Resident License that have an active resident license in another state on the Producer Database (PDB) will be allowed to apply but will have their transactions defer.
Resident Licensing
Producer Home State
No
Yes
A licensee must notify the Commissioner of any change in residential or business address within 30 days. Contact Change Request supported via NIPR Gateway.
An individual must have a life, accident, and health license and property and casualty license to sell travel insurance without a travel-specific license. If a nonresident applicant is from a resident state that offers a limited lines travel and a limited lines property and casualty license, Indiana requires a nonresident producer to hold both. Indiana will also approve a nonresident producer's travel license application if they hold a life and health license and property and casualty license in their resident state.
Agency
Yes
Yes
Yes
Multiple
Yes
Can be changed via the state’s vendor
Self storage line must have one DRLP with resident property & casualty LOA. The DRLP doesn't need to be an: owner, partner, officer, or director
90 days prior to expiration date of license until license expiration date. Renewal grace period ends 30 days past expiration date. Late renewal period ends one year after expiration date and is not applicable to Surplus lines.
Yes
No
A branch should have a separate agency license if doing business under a different FEIN than the main agency; otherwise, no.
Within 30 days, an application organization must notify the Department, on the prescribed form, of the following changes: a. legal or assumed business name; b. federal employer identification number; c. business or mailing address; or d. an addition or removal of a physical application organization location. Must be submitted online through the entity's AgencyEDGE account
Adjuster
Yes
Yes
AK, AL, AR, AZ, CT, DE, FL, GA, ID, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV, WY
CA, HI, NY, PR
Workers' Compensation, Property, Casualty
Licensing Fee: $40 (resident) / $90 (nonresident) Renewal Fee: $40 (resident) / $90 (nonresident) Late Renewal Fee: $80
Yes
Annually on Dec. 31st of that year. Applications received on Oct. 1st or later will have an expiration date of Dec. 31st the following year.
A surety bond of $10,000 is required. Must be less than 6 months old. If one is a nonresident they must additionally have a home state that provides Public Adjuster licenses to residents of Indiana on the same basis.
Public Adjuster
Licensing Fee: $50
Yes
Emergency adjuster licenses will be issued in the event of a catastrophe. There is an application fee of $20.
Yes
Yes
Continuing Education
24
2 years
Yes
Last day of birth month
Year of first license issuance
Prior to license expiration.
90 days prior to expiration date
90 days prior to expiration date
Those who hold only a license as consultants, public adjusters, portable electronics, travel insurance, surplus lines, credit insurance, crop insurance and funeral director or prearranged funeral insurance are exempt from CE requirements. Bail or recovery agents only need 6 hours CE. Navigators only need 6 hours CE.
Within 30 days of expiration, 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.)
Yes
3
3 hours of NFIP course
8-hour initial certification, with 5 hours of LTC-specific training each renewal cycle thereafter
One-time, 4-hour course
Adjusters must complete 24 CE hours every 2 years.
Variable life or variable annuities LOBs require a one-time 4-hour training about annuities. Title licensees must have 7 hours of title-license CE each period. Selling Indiana Long-Term Care Program policies requires a one-time 7 hour course before selling (in addition to other LTCI CE requirements).
https://agentsync.io/blog/individual-producers/insurance-continuing-education-indiana
Regulatory Updates
Indiana Added License Fees
Effective July 7, 2025, Indiana residents and nonresidents added the following fees: - Temporary Emergency Adjuster License: $ 20.00 - Insurance Administrator - License application: $50.00 - Annual report fee: $50.00
Indiana Bulletin Outlines Key Data Reporting for TPAs, PBMs, Insurers
On June 10, 2025, Indiana issued a bulletin requiring third party administrators, pharmacy benefits managers, and insurance carriers to maintain key business information such as address and business owner data with the department by July 1 beginning this year, 2025, and every year moving forward.
Indiana Retaliatory Fee Update
Effective June 13, 2025, Indiana will update Minnesota's renewal and reinstatement retaliatory fees. The new fee structure will be a $40 base license fee and $50 per line of authority.
Indiana Retaliatory Fee Updates
Effective January 9, 2025, Indiana will update various retaliatory fees for Nonresident Licensing, Nonresident Renewal, Nonresident Adjuster licensing, and Nonresident Adjuster Renewal transaction types for various states: AL, AR, CA, CO, CT, GA, HI, IL, KY, MA, ME, MO, MN, MS, MT, NC, ND, NM, NV, PA, TN, VT, WY Update: The new retaliatory fees will be effective January 10, 2025.
Indiana To Add New Firm License Classes for PDB Display
Effective September 6, 2024, Indiana will be adding a new license class of Third Party Administrator-Designated Home State for Producer Database (PDB) display.
Indiana Implements Annuity Suitability Requirements
Effective July 1, 2024, Indiana will implement new requirements related to suitability in annuity transactions. See attachment for full details.
Indiana Adding Annuity Training Requirements
Effective July 1, 2024, Indiana is adding specific training requirements that will apply to resident and nonresident annuity producers.
Indiana to Update its Retaliatory Fees for Initial Appointments
Effective January 12, 2024, Indiana will update its retaliatory fees for initial appointments for Nonresident Licensing (NRL), Nonresident Renewal (NRR), Nonresident Adjuster Renewal (NRAR) and Nonresident Adjuster Licensing (NRAL). Most Retaliatory Fees will be reduced. Some fees will be increased for KY, NY, PA, WY Self Storage Insurance and Travel for Individuals and Business Types. Most VT Nonresident Renewals and Reinstatements will be increased across all License Classes.
Indiana Online Platform for Reporting Cybersecurity Events is Live
The online platform created by the Indiana Department of Insurance (IDOI) for reporting cybersecurity events is now [live](https://in.accessgov.com/idoi/Forms/Page/idoi/report-a-cybersecurity-event). The new online form was created as a result of the Indiana Insurance Data Security Law that went into effect on July 1, 2021. The Indiana Insurance Data Security Law requires insurers and other entities licensed by the IDOI to develop, implement, and maintain an information security program, investigate any cybersecurity events, and notify the IDOI of such events. The law also established the IDOI as the regulatory body to receive, monitor, and enforce cybersecurity events involving licensed insurers and entities under Indiana Code Title 27. “If an insurer and/or other licensed entity experiences any cybersecurity event that requires notice, we are directing them to fill out and report the event using the new online form,” said Indiana Department of Insurance Commissioner Amy L. Beard. The online form can be found on the state's website.
Indiana Continuing Education Changes
For Residents 2023 IN H.B. 1329(NS) (Effective 7/1/2023) - CONTINUING EDUCATION: GENERAL REQUIREMENTS - Added conditions under which a producer may receive CE credit for active participation in a state or national professional insurance organization.IN ST 27-1-15.6-19.9 (Effective 7/1/2022) - Per 2022 IN S.B. 277(NS) - WHO MUST BE LICENSED and LIMITED LINES: TRAVEL AGENT - Revised citation ID due to codification only. IN ST 27-1-15.7-2 (Effective 7/1/2023) - Per 2023 IN H.B. 1329(NS) - CONTINUING EDUCATION: GENERAL REQUIREMENTS - Added exception to the CE hour requirement. IN ST 27-7-17-18 (Effective 7/1/2022) - Per 2022 IN S.B. 277(NS) - LIMITED LINES: TRAVEL AGENT - Revised citation ID due to codification only.
Indiana Pharmacy Benefit Manager License
Indiana now requires Pharmacy Benefit Managers to obtain a license. See attachment for full details.
Indiana Will Update Retaliatory Fees
Effective March 10th, 2023, several retaliatory fees will update for multiple states. Fees will be decreasing for most.
Indiana Posts Requirements for Electronic Filings
Effective April 1, 2022, all filers must submit their annual premium tax, quarterly estimated tax, and annual renewal fees and payments electronically through OPTins. Paper filings will no longer be accepted after this date and penalties will apply. Instructions for submitting tax and fee filings are available at:
FAQs
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How Do I Get an Insurance License in Indiana?
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How Do I Get a State Adjuster License in Indiana?
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How do I renew my insurance license in Indiana?
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How do I renew my nonresident insurance license in Indiana?
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How Do I renew My Non-Resident Adjuster License in Indiana?
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How Do I Renew My Adjuster License In Indiana?