Indiana Life & Health Insurance Practice Test 2026
Practice the exam Indiana uses, from general life & health knowledge to Indiana's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Indiana's own insurance law.
Life 80, Health 80, Combined Health 100, Combined 35 scored questions. The time limit and passing score are set by Indiana; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Indiana Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Indiana Life & Health test
Indiana's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies15 Qs
- Life Provisions, Riders, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Policy12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Indiana Laws and Department Rules Common to All Lines of Insurance20 Qs
- Life Regulations10 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Indiana Laws and Department Rules Common to All Lines of Insurance20 Qs
- Health Regulations10 Qs
- Types of Policies15 Qs
- Life Provisions, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Polices12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Indiana Laws and Department Rules Common to All Lines of Insurance20 Qs
- Life Regulations8 Qs
- Health Regulations7 Qs
Source: Indiana Insurance Supplement — Examination Content Outlines, Effective Date: November 26, 2025; Pearson VUE #121501 | 11/2025 (Indiana Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Indiana exam
Indiana official sources
- Code IC 27-4-1Unfair Competition; Unfair or Deceptive Acts and Practices (IC 27-4-1-1 to 27-4-1-19) · Indiana General Assembly (iga.in.gov)
- Accident and Sickness Insurance: Policy Provisions (IC 27-8-5, individual and general provisions)Indiana Code Title 27, Article 8, Chapter 5 · iga.in.gov
- Additional Provisions Pertaining to All Insurance Companies and Policy Language Simplification (IC 27-1-20, 27-1-26)Indiana Code Title 27, Article 1 · iga.in.gov
- Code Title 27Group and Blanket Accident and Sickness Insurance and Small Employer Group Health Insurance (IC 27-8-5-15 through 27-8-5-19.3; IC 27-8-15) · iga.in.gov
- Group Life Insurance Provisions (IC 27-1-12-29 through 27-1-12-42)Indiana Code Title 27, Article 1, Chapter 12 · iga.in.gov
- Life and Health Insurance Guaranty Association Law (IC 27-8-8)Indiana Code Title 27, Article 8, Chapter 8 · iga.in.gov
- Code Title 27, Article 1Life Insurance Company Powers and Policy Requirements, Nonforfeiture Provisions of Annuity Contracts, and General Provisions of Annuity Contracts (IC 27-1-12, 27-1-12.5, 27-1-12.6) · iga.in.gov
- Long Term Care Insurance and Medicare Supplement Insurance Minimum Standards (IC 27-8-12, 27-8-13)Indiana Code Title 27, Article 8 · iga.in.gov
All Indiana insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Indiana provisions the questions on this page cite most often.
- IC § 27-4-1-4 · Unfair Practices: Blindness or Partial Blindness12 questions
- Ind. Code § 27-8-5-3 · Required provisions: Claim Forms6 questions
- Ind. Code § 27-1-12-6 · grace period in required life policy provisions4 questions
- IC § 27-4-1-4.5 · Unfair Claim Settlement Practices: Ascribing Fault2 questions
- IC 27-4-1-4 · Unfair Discrimination, Accident and Health2 questions
- Ind. Code § 27-1-12-41 · Group Life Insurance; Required Provisions: Certificate2 questions
- Ind. Code § 27-1-12.5-2 · annuity cash surrender benefit; deferral of payment2 questions
- Ind. Code § 27-8-8-2.3 · Avoidance of Duplicate Coverage2 questions
Exam figures on this page were checked against official pages: Exam fee · Pre-licensing. Confirm anything you rely on with the testing company and the Indiana Department of Insurance.