Key Takeaways
- Indiana insurance licenses must be renewed every 2 years on the last day of the birth month
- Renewal requires 24 hours of continuing education, including 3 hours of ethics (for life/health)
- P&C producers are NOT required to complete the 3-hour ethics requirement
- A maximum of 12 excess hours can be carried over to the next license term
- Producers age 70+ with 20+ years continuous licensure may be exempt from CE
License Maintenance and Continuing Education
Indiana insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
Biennial Renewal System
| Item | Requirement |
|---|---|
| License Term | 2 years (biennial) |
| Renewal Date | Last day of birth month |
| Renewal Method | Online through Sircon or NIPR |
License Expiration
Indiana licenses expire on the last day of the producer's birth month every 2 years.
Continuing Education Requirements
Indiana requires 24 hours of continuing education (CE) every 2 years:
CE Breakdown by License Type
| License Type | Total Hours | Ethics Hours |
|---|---|---|
| Life, Accident & Health | 24 hours | 3 hours required |
| Life, Health, Variable Life & Annuity | 24 hours | 3 hours required |
| Property & Casualty | 24 hours | Ethics NOT required |
| Title Only Producer | 7 hours | N/A |
| Bail Agent or Recovery Agent | 6 hours | N/A |
| Adjusters | 24 hours | N/A |
Ethics Requirement Details
The 3-hour ethics requirement applies to:
- Life insurance producers
- Accident & Health insurance producers
- Variable Life & Annuity producers
- Life, Accident & Health combined producers
Important: The ethics course must be related to ethical practices in the marketing and sale of life, health, or annuity insurance products.
Exam Tip: P&C producers are NOT required to complete the 3-hour ethics requirement.
CE Course Requirements
- Must be completed at IDOI-approved providers
- Online and classroom options available
- Cannot repeat same course within a 2-year license term
- CE must be completed BEFORE license expiration
Carryover Credits
For licenses renewing January 1, 2022 and after:
| Carryover Rule | Details |
|---|---|
| Maximum carryover | 12 hours to next license term |
| Ethics hours | Cannot be carried over as excess |
| LTC specific hours | Cannot be carried over as excess |
CE Exemptions
Producers may be exempt from CE requirements if they meet certain criteria:
| Exemption Type | Requirements |
|---|---|
| Age + Experience | At least 70 years old AND continuously licensed for at least 20 years |
| Inactive Status | No longer solicits insurance but maintains license to collect commissions on existing business |
Non-Resident Exemption
Non-resident producers are exempt from Indiana's CE requirements if:
- Licensed in their home state
- In compliance with their home state's CE requirements
Reporting Requirements
Indiana producers must notify IDOI of changes within 30 days:
Required Notifications
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
How to Report
- Update through Sircon or NIPR online portal
- Or submit in writing to IDOI
- Failure to report is a violation
Disciplinary Actions
IDOI can take disciplinary action against licensees for violations:
Grounds for Discipline
- Violating insurance laws or regulations
- Fraudulent or dishonest practices
- Misappropriation of funds
- Misrepresentation to clients
- Failure to maintain CE
- Failure to report required information
- Criminal conviction
Types of Discipline
| Action | Description |
|---|---|
| Warning | Letter for minor violations |
| Probation | License continues with conditions |
| Fine | Monetary penalty per violation |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
License Status Types
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively selling (voluntary) |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
Special Product Training Requirements
Annuity Training
Indiana producers selling annuities must complete:
- One-time annuity suitability/best interest training
- Training required before selling any annuity products
Long-Term Care (LTC) Training
| Training Type | Requirement |
|---|---|
| Initial Training | One-time 8-hour certification course |
| Ongoing Training | 4 hours every 2 years |
How many hours of continuing education does Indiana require for Life, Accident & Health license renewal?
How many hours of ethics CE are required for Indiana Life, Accident & Health producers?
When do Indiana insurance licenses expire?
Which producers may be exempt from Indiana CE requirements?