A candidate wants both the life line and the health line in Indiana. How many hours must the certified prelicensing course for life and health insurance producers provide?IC 27-1-15.7-5(a)(2)(C)
A chartered life underwriter applies for the life line in Indiana. Which part of the licensing examination must that person still take?IC 27-1-15.6-9(c)
A court sends the Indiana commissioner an order about a producer's unpaid child support. When does the suspension of the license begin?IC 27-1-15.6-28(a)
A criminal prosecution is started against an Indiana producer. From what event does the 30 day period to report it to the commissioner run?IC 27-1-15.6-17(b)
A temporary Indiana producer license was issued to a surviving spouse to allow time to sell the deceased producer's business. When does it expire?IC 27-1-15.6-11(c)
After a hearing, what civil penalty may the Indiana commissioner impose on a producer under IC 27-1-15.6-12(f)?IC 27-1-15.6-12(f)
An applicant for an Indiana resident producer license files a certification that a prelicensing program of study was completed. How recently must the program have been completed when the application is received?IC 27-1-15.6-6(c)
Show all 112 questions (105 more)
Producer licensing and continuing education, continued
An Indiana insurer terminates a producer for cause and reports it to the commissioner. How must the copy of that notification be sent to the producer?IC 27-1-15.6-15(c)(1)
An Indiana producer earned extra continuing education hours before the last renewal. How many of those earlier hours may count toward the next renewal?IC 27-1-15.7-2.2(e)
An Indiana producer holds both the life line and the accident and health line. What is the most continuing education the producer may be required to complete to renew?IC 27-1-15.7-2(e)
An Indiana producer let a license lapse but had finished all required continuing education before it expired. Within what time may the same license be reinstated without a written examination?IC 27-1-15.6-7(e)
An Indiana producer who is also an attorney in good standing may meet the continuing education requirement in what other way?IC 27-1-15.7-2(a)
An Indiana producer with no insurable interest in a client's life is named beneficiary of the client's individual life policy. What does IC 27-1-15.6-31 say about the designation?IC 27-1-15.6-31
An Indiana producer's renewal fee arrives after the license has expired. What penalty does IC 27-1-15.6-7 set?IC 27-1-15.6-7(e)
Besides principles of life insurance, which two subjects must an Indiana prelicensing course for life producers teach?IC 27-1-15.7-5(a)(2)(A)
For an earlier course to carry over to an Indiana producer's next renewal, how close to the last renewal must it have been completed?IC 27-1-15.7-2.2(f)
How many hours of instruction must a certified Indiana prelicensing course give a candidate for the life line alone?IC 27-1-15.7-5(a)(2)(A)
How many of an Indiana life or health producer's continuing education hours must relate to ethical practices in marketing and selling life, health or annuity products?IC 27-1-15.7-2(a)
The Indiana commissioner asks a producer, by registered or certified letter, for a report listing each insurer that appointed the producer during the past year. How long does the producer have to furnish it?IC 27-1-15.6-12(g)
The Indiana commissioner mails notice that a license application is denied. How long does the applicant have to make a written demand for a hearing?IC 27-1-15.6-12(d)
The Indiana Department of Insurance may waive the late renewal penalty when the renewal fee is received within what time after the license expires?IC 27-1-15.6-7(e)
Of the 24 hours of continuing education an Indiana resident producer needs to renew, how many may be in sales promotion, sales technique, motivation, psychology or time management?IC 27-1-15.7-2(a)
Once an Indiana applicant makes a written demand for a hearing on a license denial, how soon must the hearing be held?IC 27-1-15.6-12(d)
Under IC 27-1-15.6-7, an Indiana producer license stays in effect, unless revoked or suspended, as long as which two things happen by the due date?IC 27-1-15.6-7(d)
Under IC 27-1-15.6-12(j), an Indiana license is considered used for writing controlled business when commissions from that business exceed what share of all commissions in any 12 month period?IC 27-1-15.6-12(j)
What does "permanently revoke" mean in Indiana's producer penalty section?IC 27-1-15.6-12(a)
What must an Indiana producer do before doing business under a name other than the producer's legal name?IC 27-1-15.6-10
What one-time training must a person complete before selling, soliciting or negotiating an annuity in Indiana?IC 27-1-15.6-19.5(b)(4)
Which earlier courses can never be carried over to an Indiana producer's next renewal under IC 27-1-15.7-2.2?IC 27-1-15.7-2.2(g)
Which of these is listed in IC 27-1-15.6-12(b) as a cause for action against an Indiana producer's license?IC 27-1-15.6-12(b)(14)
Which of these must an Indiana producer have before asking for the variable life and variable annuity line of authority?IC 27-1-15.6-7(b)
Life policy provisions 25
Active work is a condition of an Indiana group life policy and an insured becomes totally disabled. For how long must premium-paying continuation be available?IC 27-1-12-41(b)(11)
An Indiana employer gives an employee written notice that it will insure the employee's life. How does the employee consent under IC 27-1-12-17.1?IC 27-1-12-17.1(d)
An Indiana group life certificate holder is told of the conversion right late. The extra time to convert can never run past how many days after the original period ends?IC 27-1-12-42(b)
An Indiana group life policy is terminated. How long must a person have been insured under it to be entitled to an individual policy without evidence of insurability?IC 27-1-12-41(b)(9)
An Indiana group life policy lets the insurer pay part of the death benefit to someone who paid funeral or last illness expenses. What is the most it may pay that way?IC 27-1-12-41(b)(6)
An Indiana life policy becomes a claim by the insured's death. What is the latest the policy may provide for settlement after due proof is received?IC 27-1-12-6(a)(10)
An Indiana life policy issued after June 30, 2008 has been in force for more than two years. Which defense may the insurer still raise at any time?IC 27-1-12-44(b)
An Indiana life policy names the owner's spouse as beneficiary. A premium is not exempt from the owner's creditors if it was paid how soon before a bankruptcy petition?IC 27-1-12-14(f)
An Indiana policyholder's unpaid loan and interest now equal the cash surrender value. How long after the company mails notice must it wait before the policy is void?IC 27-1-12-6(a)(8)
An Indiana resident is owed a cash payment under an individual life policy. After how long without payment does the insurer owe interest?IC 27-1-12-35(a)
At what age, measured by the nearest birthday, is a minor competent in Indiana to contract for life insurance on the minor's own life?IC 27-1-12-15(a)
From what date is interest on late Indiana life insurance proceeds calculated under IC 27-1-12-35?IC 27-1-12-35(a)
How early must an Indiana group life insured be given notice of the conversion right to avoid an extended conversion period?IC 27-1-12-42(a)
How long may an Indiana life insurer reserve the right to defer granting a policy loan that is not made to pay premiums?IC 27-1-12-6(a)(8)
If the insured dies during the grace period of an Indiana life policy, what may the insurer do about the overdue premium?IC 27-1-12-6(a)(2)
To whom may an Indiana policyholder hand back a life policy under the right to return it?IC 27-1-12-43(b)
Under IC 27-1-12-6, how are statements made by the insured in an Indiana life insurance application treated, in the absence of fraud?IC 27-1-12-6(a)(5)
Under IC 27-1-12-17.1, when must an insurable interest in an Indiana employee's life exist?IC 27-1-12-17.1(e)
What grace period must a group life insurance policy delivered in Indiana give the policyholder for premiums after the first?IC 27-1-12-41(b)(1)
What grace period must an individual life insurance policy issued in Indiana give for premiums after the first?IC 27-1-12-6(a)(2)
When a whole Indiana group life policy terminates, the group policy may cap the individual conversion policy at the lesser of the ceasing coverage or what amount?IC 27-1-12-41(b)(9)
Where must the notice of the right to return an Indiana life insurance policy be printed?IC 27-1-12-43(c)
Whom may a person whose life is insured name as beneficiary of an Indiana life insurance policy?IC 27-1-12-14(c)
Within how many days after receiving an individual life insurance policy may an Indiana policyholder return it for a full refund?IC 27-1-12-43(b)
Within what time may a lapsed Indiana life policy, kept in force as extended insurance, be reinstated on evidence of insurability and payment of arrears?IC 27-1-12-6(a)(9)
Annuities and life settlements 11
An Indiana annuity company wants to defer paying a cash surrender benefit. What is the longest deferral, and what must it have first?IC 27-1-12.5-2(a)(2)
An Indiana purchaser returns a variable annuity within the return period. What is the purchaser entitled to get back for the variable account?IC 27-1-12.6-5
An Indiana viatical settlement contract must let the viator rescind without condition for the longer of two periods. Which two?IC 27-8-19.8-21(b)
By when may the purchaser of an Indiana annuity contract return it under the contract's unrestricted right to return?IC 27-1-12.6-5
IC 27-1-12-25 bars any person from making a misrepresentation to an Indiana policyholder for what purpose?IC 27-1-12-25
In deciding a suitability question about a variable annuity, with whom may the Indiana insurance commissioner consult?IC 27-4-9-6(b)
The insured under an Indiana viatical settlement contract dies during the rescission period. What happens to the contract?IC 27-8-19.8-21(c)
Under IC 27-4-9-3, whether an annuity purchase is unsuitable for an Indiana consumer is decided on facts the consumer disclosed about which matters?IC 27-4-9-3(b)
What is an unsuitable annuity recommendation made in violation of IC 27-4-9-3 treated as under Indiana law?IC 27-4-9-5(a)
Where must the right to return provision appear in an Indiana annuity contract?IC 27-1-12.6-5
Which license qualification must a person hold to sell a fixed annuity in Indiana?IC 27-1-15.6-19.5(b)(1)
Accident and sickness provisions 23
A benefit under an Indiana group accident and sickness policy is owed to a minor. Up to what amount may the policy let the insurer pay a relative it finds equitably entitled?IC 27-8-5-19(c)(13)
A family adopts a child and the Indiana policy charges a specific premium for the child. Within what time may it require notice of the adoption and payment?IC 27-8-5-21(c)
A policyholder files a claim, not for loss of time, under an Indiana group accident and sickness policy. How soon after written proof of loss must benefits be paid?IC 27-8-5-19(c)(12)
After how long from its effective date may an Indiana Medicare supplement policy no longer limit benefits because a loss involves a preexisting condition?IC 27-8-13-9(d)
An Indiana accident and health policy is issued through a direct response solicitation. How long is the right to return it?IC 27-8-5-20(b)
An Indiana group policy keeps covering an incapacitated dependent child past the limiting age. Within what time may it require proof of incapacity?IC 27-8-5-19(c)(17)
An Indiana long term care policy is issued to a person under age 65. How far back may its definition of a preexisting condition reach?IC 27-8-12-10(a)
An Indiana policy charges a specific premium to cover a child. Within what time may it require notice of a birth and payment for coverage to continue?IC 27-8-5.6-3
An Indiana producer violates the long term care insurance chapter. The civil penalty is the greater of up to three times the producer's commissions on each policy involved or what amount?IC 27-8-12-19(b)
An insurer cancels an Indiana group accident and sickness policy, not for fraud or nonpayment, then issues the policyholder a new one. Within what time does the duty to accept the old members apply?IC 27-8-5-24
For a late enrollee in an Indiana group accident and sickness policy, after what continuous period can a preexisting condition limit no longer apply?IC 27-8-5-19(c)(5)
For how long may an individual Indiana accident and sickness policy exclude coverage because of a preexisting condition?IC 27-8-5-2.5(b)
From what moment must an Indiana expense-incurred accident and sickness policy with family coverage pay benefits for a newly born child?IC 27-8-5.6-2(a)
How far back may an Indiana group health benefit policy look for a preexisting condition under IC 27-8-5-19(c)(5)?IC 27-8-5-19(c)(5)
How long does an applicant have to return an Indiana Medicare supplement policy for a refund of premium?IC 27-8-13-17(a)
How long does an Indiana policyholder have to return an individual accident and health policy that was not sold by direct response solicitation?IC 27-8-5-20(a)
How long may an Indiana policyholder take to return an individual long term care insurance policy and have the premium refunded?IC 27-8-12-12(a)
IC 27-8-5-2.5 leaves certain short term insurance plans outside its preexisting condition rule. What is the longest term such a plan may have?IC 27-8-5-2.5(a)(5)
On which ground alone may an Indiana long term care insurer never cancel or refuse to renew a policy?IC 27-8-12-9
Since the end of 2024, an Indiana Medicare supplement issuer that sells to people 65 and older must offer the equivalent policy to which group?IC 27-8-13-9.1
Until what age must an Indiana accident and sickness policy cover a child of the policyholder, when the policyholder asks?IC 27-8-5-28
Until when may an Indiana policyholder return a travel accident insurance policy?IC 27-8-5-20(a)(2)
What annual limit must a short term insurance plan described in IC 27-8-5-2.5(a)(5) have in Indiana?IC 27-8-5-2.5(a)(5)
Unfair practices and penalties 9
A person knew or reasonably should have known the conduct violated Indiana's unfair practices chapter. What is the highest civil penalty for each act?IC 27-4-1-6(a)(1)
A person violates a final cease and desist order of the Indiana commissioner. What civil penalty may follow for each act?IC 27-4-1-12
After a hearing, the Indiana commissioner finds an unfair or deceptive practice under IC 27-4-1. What is the highest civil penalty for each act when the person did not know of the violation?IC 27-4-1-6(a)(1)
An Indiana licensee offers clients a free value-added service tied to an insurance contract. Which condition does IC 27-1-47-3 set?IC 27-1-47-3(a)
The Indiana commissioner asks to inspect the criteria under which a licensee offers value-added services. How soon must they be available?IC 27-1-47-3(a)(2)
Under Indiana's rebate law, IC 27-1-20-30, what may an applicant for insurance lawfully accept as an inducement?IC 27-1-20-30(c)
What must the Indiana commissioner consider in setting the amount of a civil penalty under IC 27-4-1-6?IC 27-4-1-6(b)
When may the Indiana commissioner suspend or revoke a license under IC 27-4-1-6 for an unfair or deceptive practice?IC 27-4-1-6(a)(2)
Which practice does IC 27-4-1-4(a)(13) define as unfair in Indiana?IC 27-4-1-4(a)(13)
Guaranty association 13
After the Indiana guaranty association takes over a policy, premiums go unpaid. After how long past the due date do its obligations on the policy end, apart from incurred claims?IC 27-8-8-5(e)
For administration and assessment, which two accounts does the Indiana Life and Health Insurance Guaranty Association maintain?IC 27-8-8-3(a)
For health insurance that is not disability income, a health benefit plan or long term care, what is the Indiana guaranty association's limit on one life?IC 27-8-8-2.3(f)(2)(A)(ii)
May an Indiana producer mention the guaranty association's protection to help sell a policy?IC 27-8-8-18(a)
One owner holds many nongroup life policies with an insolvent Indiana insurer. What is the most the guaranty association must cover for that owner?IC 27-8-8-2.3(f)(2)(D)(ii)
Under whose immediate supervision does the Indiana Life and Health Insurance Guaranty Association operate?IC 27-8-8-3(b)
What is the Indiana guaranty association's limit for disability income insurance on one life?IC 27-8-8-2.3(f)(2)(A)(iii)
What is the Indiana guaranty association's limit for health benefit plan benefits on one life?IC 27-8-8-2.3(f)(2)(A)(v)
What is the Indiana guaranty association's limit for the present value of annuity benefits on one life?IC 27-8-8-2.3(f)(2)(A)(vi)
What is the most the Indiana Life and Health Insurance Guaranty Association covers in life insurance death benefits on one life?IC 27-8-8-2.3(f)(2)(A)(i)
What must the disclaimer on the Indiana guaranty association's summary document tell a policy owner about choosing an insurer?IC 27-8-8-18(c)(5)
When must an Indiana member insurer give a policy owner the guaranty association's summary document?IC 27-8-8-18(b)
Within the Indiana guaranty association's life insurance limit, what is the most it covers in net cash surrender and net cash withdrawal values on one life?IC 27-8-8-2.3(f)(2)(A)(i)
How this list was compiled: Own questions, written from Title 27 of the Indiana Code, 2026 edition, as published by the Indiana General Assembly at https://iga.in.gov/laws/2026/ic/titles/27 (full text file https://iga.in.gov/ic/2026/Title_27.html), downloaded and read on 2026-10-09: IC 27-1-15.6 and 27-1-15.7 (insurance producers and their education), IC 27-1-12, 27-1-12.5 and 27-1-12.6 (life insurance and annuity contracts), IC 27-1-20-30 and 27-1-47 (rebates and value-added services), IC 27-4-1 (unfair competition and deceptive practices), IC 27-4-9 (annuity recommendations), IC 27-8-5 and 27-8-5.6 (accident and sickness insurance), IC 27-8-8 (the Indiana Life and Health Insurance Guaranty Association), IC 27-8-12 (long term care insurance), IC 27-8-13 (Medicare supplement insurance) and IC 27-8-19.8 (viatical settlements). Statutes only: no rule of the Indiana Administrative Code was read. No question here was taken from a prelicensing course, a testing vendor's handbook or a question pool, so this bank does not cover the product knowledge the state exam also asks. The topics were compared on October 9, 2026 with the Indiana state-specific parts of the Life and the Accident & Health examination content outlines (Indiana Insurance Content Outlines, effective November 26, 2025), which print Indiana Code references beside each topic; the outlines and the Indiana Insurance Examination Candidate Handbook (August 2026) are linked from the Indiana Department of Insurance's examination procedure page, https://www.in.gov/idoi/licensing/resident-licensing/examination-procedure-checklist (the outlines: https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121501.pdf). Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
An unofficial Indiana life insurance practice test on the law alone: 112 free questions written from Title 27 of the Indiana Code, with accident and sickness law in its own group. Product types, underwriting and textbook theory are not asked.
Read the full guide
Using it as an Indiana life and health insurance study guide
Work one topic at a time: producer licensing and continuing education, life policy provisions, annuities and life settlements, accident and sickness provisions, unfair practices, then the guaranty association. Each answer names its IC section, so the missed pile turns into a reading list in Title 27.
What only Indiana's code says
A denied applicant has 63 days to demand a hearing. Twelve extra education hours may carry to the next renewal. A producer named beneficiary without an insurable interest holds a void designation. A candidate for the life line alone can skip the accident and sickness group.
Right to return: 10 days for an individual life policy (IC 27-1-12-43) and for an annuity contract (IC 27-1-12.6-5).
Grace periods: not less than 30 days on individual life (IC 27-1-12-6), 31 days on group life (IC 27-1-12-41).
Renewal takes 24 hours of continuing education, at least 3 on ethics for life and health producers (IC 27-1-15.7-2).
Questions and answers
Is this Indiana life insurance practice test free?
Yes. All 112 questions are free and unofficial. They were written from Title 27 of the Indiana Code, and every answer shows the section it rests on.
How many questions are on the Indiana life insurance exam?
The Indiana Insurance Content Outlines, effective November 26, 2025, give the life exam 50 scored general questions and 30 on Indiana law, plus unscored pretest questions. The candidate handbook of August 2026 allows 120 minutes and sets a passing score of 70.
How many hours of prelicensing education does Indiana require?
A certified course of not less than 20 hours for the life line, 20 for health, or 40 for life and health together (IC 27-1-15.7-5), completed not more than six months before the application is received (IC 27-1-15.6-6).
Are these the real Indiana insurance exam questions?
No. Each one was written for this site from the Indiana Code. The Indiana Department of Insurance did not write or review them, and the state examination is its own. Exam mode draws 30, the size of the Indiana part.