Indiana life line
The Indiana life insurance exam.
The Indiana life insurance exam is 80 scored questions, about 10 unscored pretest questions, in 120 minutes, passing at a scaled 70, $69 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Indiana outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Indiana Life |
| Scored questions | 80 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | a scaled 70 |
| Exam fee | $69 |
| Testing vendor | Pearson VUE |
| Retake rules | You wait 48 hours before retaking the exam, with a new reservation and a new fee, and you cannot rebook at the test center. |
| Prelicensing education | required, from a provider your state insurance department lists |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Indiana life insurance license
- 1
Meet the basics
Indiana sets its own age, background check and application rules. The Indiana insurance department lists them, so read them before you book.
- 2
Complete the required prelicensing education
Indiana requires prelicensing education from a provider your state insurance department lists before you can test. Complete it with that provider, keep your completion record, then drill practice questions until the material sticks.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $69 exam fee.
- 4
Pass the exam
Walk in knowing the format, 80 scored questions in 120 minutes, passing at a scaled 70. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Indiana exam covers
From the official exam outline, each section's share of the exam and how many of the 80 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| General Knowledge | 63 percent | 50 questions |
| Indiana State-Specific | 37 percent | 30 questions |
Free Indiana practice questions
Original questions written to the Indiana outline, the same bank our students drill. Tap a question to check the answer.
Question 1A decreasing term policy is most commonly used to cover which of the following needs?
- A. Building tax-deferred savings
- B. Providing lifetime income
- C. Funding a permanent estate plan
- D. Paying off a mortgage balance
Show the answer
Answer: D
Decreasing term has a death benefit that drops over time, matching a shrinking mortgage balance, so it is often called mortgage protection. Permanent estate planning needs lasting coverage. Lifetime income comes from annuities. Tax-deferred savings comes from cash value permanent policies.
Question 2James signs an application but the insurer discovers a material misstatement about his health within the policy's contestable period; what may the insurer do?
- A. Contest the policy and possibly deny a claim or rescind coverage
- B. Only increase future premiums
- C. Nothing, because the policy was already delivered
- D. Cancel only if the agent agrees
Show the answer
Answer: A
During the contestable period an insurer can investigate and, on finding a material misstatement, contest the claim or rescind the policy. Delivery does not remove this right during the contestable period. The insurer's remedy is contest or rescission, not merely raising premiums. The agent's agreement is irrelevant to the insurer's legal right.
Question 3What Indiana agency is responsible for regulating the business of insurance and issuing producer licenses?
- A. The Indiana Attorney General
- B. The Federal Insurance Office
- C. The Indiana Department of Insurance
- D. The National Association of Insurance Commissioners
Show the answer
Answer: C
Indiana insurance is regulated at the state level by the Indiana Department of Insurance, headed by the Commissioner. The NAIC is a national coordinating body with no direct licensing authority. The Attorney General handles legal matters and consumer complaints generally but does not license producers. The Federal Insurance Office is a federal body that monitors but does not license state producers.
IC 27-1-1 et seq. (Indiana Department of Insurance authority)
Question 4In Indiana, what is the required minimum free look period for most individual life insurance policies?
- A. 30 days
- B. 3 days
- C. 20 days
- D. 10 days
Show the answer
Answer: D
Indiana requires most individual life policies to give the owner at least 10 days to examine the policy and return it for a full refund. The 3-day period is too short and is not the standard. 20 and 30 days are longer than the minimum and are common with certain replacement or senior products in some states, but the general Indiana minimum is 10 days.
Question 5Tanya's policy has an accelerated death benefit rider; when can she typically access part of the death benefit while alive?
- A. When she reaches age 65
- B. When she changes her beneficiary
- C. When she takes a policy loan
- D. When she is diagnosed with a qualifying terminal illness
Show the answer
Answer: D
The accelerated death benefit rider lets an insured collect a portion of the death benefit early upon a qualifying event such as terminal illness. Changing a beneficiary has nothing to do with living benefits. A policy loan borrows against cash value and is a separate feature. Reaching a certain age does not trigger this rider.
Take the free Indiana practice test, every question with the answer and the explanation
Indiana exam FAQs
How many questions are on the Indiana life insurance exam?
80 scored questions, plus about 10 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Indiana exam?
You need a scaled 70 to pass.
How much does the Indiana life insurance exam cost?
The exam fee is $69 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Indiana exam?
You wait 48 hours before retaking the exam, with a new reservation and a new fee, and you cannot rebook at the test center. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Indiana require prelicensing education before the exam?
Yes. Indiana requires prelicensing education from a provider your state insurance department lists before you can sit for the exam. We sell study materials and practice exams, not prelicensing education, so plan for both, the required education first, then practice here until the exam feels familiar.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Indiana exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (80 questions, 120 minutes), and a mastery map that shows what to study next.