Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real Indiana exam you need 70% on each section.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Indiana licenses Life and Accident & Health producers through Pearson VUE. Each exam has a national section (100 questions) and an Indiana state-law section (about 30 questions), and you need 70% to pass. This bank covers the general insurance material and the Indiana law (Indiana Code Title 27 and 760 IAC rules) for both lines.
You need 70% on each section. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Indiana Code (Title 27) for the state-law questions, with the statute section cited in each explanation.
The full Indiana bank contains 961 questions (general insurance plus Indiana law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
Under IC 27-1-15.7-2, how many continuing education hours must a resident producer complete to renew a license?
Why: IC 27-1-15.7-2(a) requires a resident producer to complete at least twenty-four (24) hours of continuing education per renewal — therefore 24 hours.
A Medicare Part A benefit period begins when a patient is admitted and ends:
Why: A benefit period starts at admission and ends after the patient has been out of a hospital/SNF for 60 consecutive days; a new period (and deductible) can then begin.
Which type of life insurance provides lifelong coverage with a level premium and a guaranteed cash value?
Why: Whole life is permanent coverage with a level premium and a guaranteed, tax-deferred cash value. Term provides only temporary coverage with no cash value.
Under IC 27-8-5.6-2, newborn coverage of medically diagnosed congenital defects must include benefits for which specific condition?
Why: IC 27-8-5.6-2(c) expressly includes management of the birth defects cleft lip and cleft palate — therefore cleft lip and cleft palate.
Under IC 27-8-12-12, the 30-day right-to-return notice for an individual LTC policy must appear where?
Why: IC 27-8-12-12(b) requires the notice prominently printed on or attached to the first page of the policy — therefore on or attached to the first page.
An Indiana producer's flyer states, 'Your annuity is protected by the state Guaranty Association if the insurer fails.' Under IC 27-8-8-18, this statement is:
Why: IC 27-8-8-18(a) prohibits using the existence of the Association to sell, solicit, or induce the purchase of insurance — therefore it is a prohibited use in solicitation.
A reciprocal insurer is:
Why: A reciprocal is an unincorporated association whose subscribers exchange insurance among themselves, managed by an attorney-in-fact.
Under Indiana's insurance advertising rules (760 IAC 1-13), an 'advertisement' includes:
Why: Indiana's advertising rules define 'advertisement' broadly to include printed and published material, descriptive literature, and radio and television scripts and similar sales aids — therefore printed materials and radio/TV scripts.
Under IC 27-8-19.8-3, the 'insured' in a viatical settlement is:
Why: IC 27-8-19.8-3 defines 'insured' as the individual whose life is the subject of insurance under the policy or contract — therefore the individual whose life the policy covers.
An annuitant has a $30,000 basis and a $120,000 expected return. Of each $6,000 payment, the taxable amount is:
Why: Exclusion ratio = 30,000/120,000 = 25%; $1,500 excluded, $4,500 taxable.
Under IC 27-8-15-8.5, an 'eligible employee' generally must be employed to work at least how many hours each week?
Why: IC 27-8-15-8.5 defines an eligible employee as one employed to work at least 30 hours each week — therefore 30 hours.
Before recommending an annuity, a producer learns the client needs the money within a year for living expenses. The producer should:
Why: Suitability rules require matching the product to the client's situation; an annuity (with surrender charges and a long horizon) is unsuitable for funds needed immediately.
Under IC 27-1-15.7-2, CE credit for courses on sales technique, motivation, or psychology is limited to how many hours?
Why: IC 27-1-15.7-2(a) caps credit for sales promotion, sales technique, motivation, psychology, or time management courses at not more than four (4) hours — therefore four hours.
Under IC 27-1-2-3, an 'alien company' is organized under the laws of:
Why: IC 27-1-2-3 defines an alien company as one organized under the laws of any country other than the United States or its territories.
To open and contribute to a Health Savings Account (HSA), an individual must be:
Why: HSA eligibility requires coverage under a qualified high-deductible health plan and no disqualifying coverage; HSAs offer a triple tax advantage.
A juvenile policy has a payor benefit rider. The premium-paying parent dies while the child is 8. The rider:
Why: A payor rider waives premiums if the premium-paying adult dies or becomes disabled, keeping the child's coverage in force.
Under IC 27-1-15.6-17, a producer must report an administrative action taken in another jurisdiction within:
Why: IC 27-1-15.6-17(a) requires the report not more than thirty (30) days after final disposition of the matter — therefore thirty days.
A travel accident policy is delivered on April 10 and the insured's departure is much later. Under IC 27-8-5-20, the return period runs until the earlier of departure or 30 days after delivery — what is the last day to return it?
Why: IC 27-8-5-20 sets a travel-accident return period of the earlier of departure or 30 days after delivery; 30 days after April 10 is May 10 — therefore May 10.
A director knowingly has the company transact insurance in Indiana before obtaining a certificate of authority. Under IC 27-1-3-20, this is:
Why: IC 27-1-3-20(e) provides a director or officer who knowingly, intentionally, or recklessly transacts insurance without a certificate of authority commits a Level 6 felony.
'Twisting' is an unfair trade practice defined as:
Why: Twisting is inducing a policy replacement through misrepresentation or incomplete comparisons; doing so within the same insurer is called churning.
A state Long-Term Care Partnership program allows a policyholder to:
Why: Partnership policies let insureds shelter assets equal to the LTC benefits paid when qualifying for Medicaid, encouraging private LTC coverage.
Under IC 27-1-3-7, a rule adopted under IC 4-22-2 may simplify the terms and coverage of which policies?
Why: IC 27-1-3-7(b) lets the department adopt a rule simplifying individual and group Medicare supplement accident and sickness policies and subscriber contracts.
A client exchanges an existing cash-value life insurance policy directly for an annuity contract. Under IRC Section 1035, this is:
Why: A life-to-annuity exchange qualifies for tax-free treatment under Section 1035 (an annuity-to-life exchange would not).
An Indiana insurer receives due proof of the insured's death on April 10. Under IC 27-1-12-6, settlement must be made no later than about:
Why: IC 27-1-12-6(a)(10) requires settlement upon due proof and not later than two (2) months after receipt of proof. Two months from April 10 is about June 10.
A key feature of convertible term insurance is that it can be changed to a permanent policy:
Why: Convertible term can be converted to permanent coverage without evidence of insurability.
A producer writes mostly policies on his own family and employer, earning 40% of commissions from them. Under IC 27-1-15.6-12, this is:
Why: IC 27-1-15.6-12(j) prohibits using a license to write controlled business; exceeding the 25% threshold on family/employer business makes it prohibited controlled business.
Under IC 27-1-17-2, a foreign or alien insurer may not be admitted to transact a kind of insurance in Indiana that:
Why: IC 27-1-17-2 bars admitting a foreign/alien insurer for a kind of business a domestic company may not transact — therefore that limit.
Modified whole life insurance is characterized by:
Why: Modified whole life charges a reduced premium for the first few years, then a higher level premium for the remainder of life.
Under IC 27-8-15-14, a 'small employer' is one that employed at least two (2) but not more than how many eligible employees?
Why: IC 27-8-15-14 defines a small employer as employing at least 2 but not more than fifty (50) eligible employees — therefore 50.
A 68-year-old retiree wants income payments to begin next month from a lump sum. The suitable product is a(n):
Why: A single-premium immediate annuity converts a lump sum into income beginning within one payment period.