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.
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Indiana licenses Property and Casualty producers through Pearson VUE, with a national section and an Indiana state-law section, requiring 70% to pass. This bank covers the national property & casualty material plus Indiana law - the 25/50/25 compulsory auto financial-responsibility limits and uninsured/underinsured motorist coverage, the guaranty association, surplus lines, residential and commercial cancellation/nonrenewal, and workers compensation (Title 22).
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 (Titles 27, 9 and 22) for the state-law questions, with the statute section cited in each explanation.
The full Indiana bank contains 992 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 27-1-15.6-23, a person may not concurrently hold a consultant license and:
Why: IC 27-1-15.6-23(d) prohibits holding a consultant license concurrently with a producer, surplus lines, or limited lines license — therefore that answer.
A stock insurer is owned by its:
Why: A stock insurer is owned by stockholders, who supply capital and receive dividends; policyholders are not owners.
A contractor's CGL would NOT cover which of the following because of the 'your work' exclusion?
Why: The 'your work' exclusion bars coverage for damage to the insured's own completed work; the CGL is not a warranty of workmanship.
A key distinction between the Jones Act and the LHWCA is that:
Why: The Jones Act lets seamen sue for negligence (fault-based), whereas the LHWCA is a no-fault compensation system for longshore and harbor workers who are not seamen.
Glass breakage to a covered building under broad and special homeowners forms is generally:
Why: Breakage of glass is a covered additional coverage/peril under broad and special forms, but coverage may be suspended when the dwelling has been vacant beyond the stated period.
Under IC 27-1-2-3, 'agency billed' refers to a system in which an insured pays a premium:
Why: IC 27-1-2-3 defines 'agency billed' as a system in which an insured pays a premium directly to an insurance agency — therefore that is correct.
A false statement maliciously critical of an insurer's financial condition, calculated to injure it, is defined by IC 27-4-1-4 as:
Why: IC 27-4-1-4(a)(3) defines defamation of an insurer's financial condition as an unfair practice.
A deductible in a property policy is the portion of a loss that:
Why: A deductible is the amount the insured must absorb on a covered loss before insurance benefits apply.
A common carrier's legal liability for cargo it transports is generally:
Why: Common carriers have a high but not absolute liability for goods; they are excused for losses from acts of God, public enemy, inherent vice, shipper's fault, and public authority.
Which Causes of Loss form provides the narrowest coverage, listing named perils such as fire, lightning, windstorm, and vandalism?
Why: The Basic Causes of Loss form covers a limited list of named perils and provides the narrowest protection of the three forms.
An agreement that tends to result in unreasonable restraint of or monopoly in the business of insurance is enumerated by IC 27-4-1-4 as:
Why: IC 27-4-1-4(a)(4) lists boycott, coercion, and intimidation resulting in unreasonable restraint or monopoly.
Under IC 22-3-6-1, 'injury' or 'personal injury' for worker's compensation means:
Why: IC 22-3-6-1(e) defines injury as only injury by accident arising out of and in the course of employment (excluding disease except as it results from the injury) — therefore injury by accident arising from employment.
A mobile-home policy is most similar to which standard form, with endorsements addressing the unique nature of the dwelling?
Why: Mobile-home coverage is generally written as a modified homeowners policy with endorsements addressing transportation, tie-downs, and the structure's mobility.
If an injured worker's average weekly wage is $900, the IC 22-3-3-8 temporary total disability benefit (66 2/3%) is:
Why: IC 22-3-3-8 pays 66 2/3% of AWW; $900 x 2/3 = $600 — therefore $600 (subject to statutory maximums).
Choosing a high deductible and paying small losses out of pocket is an example of which method of handling risk?
Why: Retention means accepting responsibility for some or all of a loss, such as through deductibles or self-insurance.
Which of the following is paid IN ADDITION to the policy limits under the CGL Supplementary Payments provision?
Why: Supplementary Payments — including defense costs, bond premiums, and expenses at the insurer's request — are paid in addition to the limits of insurance.
An injured interstate railroad worker wishes to recover for an on-the-job injury. Which law governs the claim, and on what basis?
Why: The Federal Employers' Liability Act (FELA) covers interstate railroad workers and is fault-based, requiring the worker to prove employer negligence rather than providing automatic no-fault benefits.
Under IC 22-3-3-13, the penalty for failing to pay a Second Injury Fund assessment within 30 days is:
Why: IC 22-3-3-13(c) imposes a 10% penalty on the amount owed if payment is not made within 30 days of the date set by the board — therefore 10%.
Under PAP Part A, punitive or exemplary damages are:
Why: Liability coverage responds to compensatory damages; punitive damages are commonly excluded or unenforceable under the policy and many states' public policy.
Under IC 27-4-1-3, no person may engage in this state in a trade practice that is defined in the chapter as:
Why: IC 27-4-1-3 prohibits engaging in any trade practice defined as an unfair method of competition or an unfair or deceptive act — therefore that answer.
Which of the following best describes fraud in an insurance context?
Why: Fraud is an intentional deception or misrepresentation made to gain an unfair or unlawful advantage.
Under IC 27-1-17-2, a foreign or alien company may not be admitted to transact a kind of insurance that:
Why: IC 27-1-17-2 bars admission for any kind of insurance that a domestic company is not permitted to transact — therefore that is correct.
Under IC 22-3-3-7, the first weekly installment of temporary disability compensation is due how long after the disability begins?
Why: IC 22-3-3-7(b) makes the first weekly installment due 14 days after the disability begins — therefore 14 days.
Under IC 27-1-15.6-16, a nonresident producer's home-state CE compliance satisfies Indiana's CE requirement if:
Why: IC 27-1-15.6-16(b) recognizes home-state CE only where that state reciprocally recognizes Indiana producers' CE — therefore reciprocity.
A non-admitted (unauthorized) insurer is one that:
Why: A non-admitted insurer lacks a certificate of authority in that state, though it may write surplus lines business through licensed surplus lines brokers.
Under IC 9-25-4-5, Indiana's minimum motor vehicle liability limits (effective July 1, 2018) are:
Why: IC 9-25-4-5 sets $25,000 bodily injury per person, $50,000 per accident, and (beginning July 1, 2018) $25,000 property damage — therefore 25/50/25.
A clothing store's stock is destroyed by fire. The BPP with the Special Causes of Loss form is in force. Coverage applies because:
Why: Under the open-perils Special form, fire is a covered cause of loss because it is a risk of direct physical loss that is not excluded.
The implied warranty of 'no deviation' means:
Why: The warranty against deviation requires the vessel to follow the customary or agreed-upon route; unjustified departure can void coverage.
Which of the following is generally TRUE about the relationship between the surety and the principal after the surety pays a loss to the obligee?
Why: After paying the obligee, the surety has a right of indemnity/subrogation against the principal, reflecting surety's guarantee nature.
A reciprocal insurer is best described as:
Why: A reciprocal or interinsurance exchange is an unincorporated association of subscribers who exchange insurance among themselves, administered by an attorney-in-fact.