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 917 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 27-8-19.8-6, a 'viatical settlement contract' involves consideration that is:
Why: IC 27-8-19.8-6 defines the contract as an agreement for a portion of the death benefit or ownership for consideration that is less than the expected death benefit — therefore less than the expected death benefit.
A 'mutual' insurance company is:
Why: A mutual insurer is owned by its policyowners; dividends paid to them are treated as a nontaxable return of premium.
Under IC 27-1-15.7-2, CE credit for an approved classroom ethics course may not exceed how many hours in a renewal period?
Why: IC 27-1-15.7-2(k) limits classroom ethics-course credit to not more than four (4) hours in a renewal period — therefore four hours.
Under IC 27-8-13-9, a Medicare supplement policy in force in Indiana may not contain benefits that do what?
Why: IC 27-8-13-9(a) prohibits benefits that duplicate benefits provided by Medicare — therefore duplicate benefits under Medicare.
Under IC 27-8-8-6, unpaid Guaranty Association assessments accrue interest at what annual rate on and after the due date?
Why: IC 27-8-8-6(a) states assessments are due not less than 30 days after notice and accrue interest at six percent (6%) per annum on and after the due date — therefore 6% per annum.
A producer holds qualifications in several lines of authority. Under IC 27-1-15.7-2, the total CE required to renew is capped at:
Why: IC 27-1-15.7-2(e) provides that a producer with more than one line of authority is not required to complete more than twenty-four (24) hours total — therefore 24 hours.
Under 760 IAC 1-13, a producer who violates the insurance advertising rule is:
Why: 760 IAC 1-13 deems a violation to be a violation of the state's insurance laws, subjecting the licensee to proceedings for suspension or revocation of license — therefore subject to license revocation.
An Indiana resident's life insurance claim event occurs May 1. Under IC 27-1-12-35, the insurer owes interest if payment is not received by:
Why: IC 27-1-12-35(a) entitles a resident to interest if payment is not received within thirty (30) days after the event giving rise to the obligation. Thirty days from May 1 is about May 31.
To be 'fully insured' for Social Security retirement benefits, a worker generally needs:
Why: Fully insured status requires 40 quarters of coverage (roughly 10 years of work in covered employment).
Mental health parity requires a group plan that covers mental health to apply treatment and financial limits that are:
Why: Parity requires mental health/substance use cost-sharing and limits be no more restrictive than comparable medical/surgical benefits.
Under IC 27-8-5.6-3, when a specific premium is required for a newborn, notice of birth and payment must be furnished within how many days after birth to continue coverage beyond that period?
Why: IC 27-8-5.6-3 permits the insurer to require notice and premium within 31 days after the date of birth — therefore 31 days.
Under IC 27-1-15.6-7, holding the variable products line requires the life qualification, FINRA registration, and a:
Why: IC 27-1-15.6-7(b) requires the life qualification plus FINRA registration and either a Series 6 or Series 7 to sell variable products.
Under IC 27-8-5-3, a reinstated individual policy covers sickness that begins how long after the reinstatement date?
Why: IC 27-8-5-3(a)(4) (REINSTATEMENT) covers sickness beginning more than 10 days after reinstatement — therefore more than 10 days after.
Under IC 27-1-3.5-2, in the annual audited financial report law, a 'domestic insurer' is an insurer organized under the laws of:
Why: IC 27-1-3.5-2 defines a domestic insurer as one organized under the laws of Indiana, and also includes controlling persons and certain affiliates.
Under IC 27-8-5-19, benefits other than loss of time on a claim filed by the policyholder must be paid not more than how many days after the insurer receives written proof of loss?
Why: IC 27-8-5-19(c)(12) requires payment not more than 45 days after receipt of proof when filed by the policyholder — therefore 45 days.
A modern whole life policy 'matures' (endows) when the:
Why: At the maturity age (commonly 121, formerly 100), the cash value equals the face amount and the policy endows, paying the face to a living insured.
A state insurance guaranty association exists to:
Why: Guaranty associations protect policyholders by covering claims (within statutory limits) when a member insurer becomes insolvent; their existence may not be used in advertising or sales.
Under IC 27-1-15.6-9, a bachelor's degree in insurance gives a prelicensing exemption (Indiana-law exam only) for:
Why: IC 27-1-15.6-9(e) gives a bachelor's degree in insurance the prelicensing exemption (Indiana-law portion only) for lines 7(a)(1) through 7(a)(6).
Under IC 27-8-15-27, a small employer plan may not exclude benefits because of a preexisting condition for more than how long after the effective date of coverage?
Why: IC 27-8-15-27 caps a preexisting-condition exclusion at no more than 9 months after the effective date — therefore 9 months.
Unlike Original Medicare, a Medicare Advantage (Part C) plan must include:
Why: Medicare Advantage plans must cap annual out-of-pocket costs for Part A and B services; Original Medicare has no such maximum.
Under IC 27-4-1-5.6, the commissioner must deliver a copy of a written complaint to the insurer within:
Why: IC 27-4-1-5.6(c) requires the commissioner to deliver the complaint to the insurer within ten (10) business days of receipt — therefore ten business days.
Under IC 27-1-15.7-3, after a licensee files a CE extension request, the license:
Why: IC 27-1-15.7-3(c) provides that the license remains in effect until the commissioner makes a decision on the request — therefore it stays in effect.
Under IC 27-1-15.6-19.5, before selling annuities a producer must complete a one-time annuity training course of:
Why: IC 27-1-15.6-19.5(b)(4) requires a single four (4) hour annuity training course approved by the department — therefore four hours.
A long-term care policy has a 90-day elimination period. Benefits begin:
Why: The elimination period is a deductible in days; the insured covers care during it, and benefits start afterward.
In an annuity contract, the person whose life expectancy determines the income payments is the:
Why: The annuitant is the measuring life; the owner holds the rights, and the beneficiary receives any death proceeds.
A client deposits a single $100,000 premium and wants income to start in 15 years. The product is a:
Why: One lump sum with income deferred to a future date is a single-premium deferred annuity (SPDA).
An insurer holding a certificate of authority to transact business in a state is said to be:
Why: An admitted/authorized insurer holds a certificate of authority; a nonadmitted insurer does not.
The National Association of Insurance Commissioners (NAIC) primarily:
Why: The NAIC is a coordinating body of state regulators that drafts model laws and promotes uniformity; it has no direct regulatory authority of its own.
A withdrawal of gain from a nonqualified deferred annuity before age 59½ generally triggers:
Why: Premature distributions of annuity gain before 59½ incur a 10% penalty plus ordinary income tax; nonqualified annuity earnings come out LIFO (gain first).
Several agencies agree to pressure an insurer out of the market by refusing to place business with it. Under IC 27-4-1-4 this is:
Why: IC 27-4-1-4(a)(4) defines a concerted agreement to boycott, coerce, or intimidate that restrains the business of insurance — therefore boycott, coercion, or intimidation.