Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 1300 practice questions - 401 for Life, 400 for Health, and 534 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

Which characteristic best distinguishes a Roth IRA from a traditional IRA for the original account owner?

The Roth owner is not required to take minimum distributions during his or her lifetime

The Roth owner may deduct contributions in the year they are made, while the traditional owner may not

Earnings in a Roth accumulate tax-deferred, while earnings in a traditional IRA are taxed each year

The Roth owner must begin distributions at an earlier age than the traditional IRA owner

A tax-sheltered annuity, also called a 403(b) plan, is available to employees of which type of organization?

Public school systems and qualifying 501(c)(3) nonprofit organizations

Publicly traded for-profit corporations and their subsidiaries

Federal government agencies and members of the uniformed services

Self-employed persons and partnerships with no common-law employees

Which statement accurately describes how a Simplified Employee Pension, or SEP, is funded?

The employer makes contributions into an IRA established for each eligible employee

Employees fund the plan by pre-tax salary reduction, and the employer must match

The employer funds a single pooled trust and allocates benefits by final salary

Employees make after-tax contributions that are later withdrawn income-tax free

A SIMPLE plan is generally designed for an employer with how many employees?

100 or fewer eligible employees

A terminating participant asks that her qualified plan balance be paid directly to her so she can redeposit it in an IRA within 60 days. What is the tax consequence of taking possession of the funds?

The plan must withhold 20 percent of the eligible rollover distribution for federal income tax

No withholding applies because the funds are being rolled over within the 60-day window

The entire distribution becomes taxable immediately and permanently loses its eligibility for rollover

The plan must withhold a 10 percent early-distribution penalty regardless of her age

What is the most important tax difference between a qualified retirement plan and a nonqualified deferred compensation arrangement?

Employer contributions to a qualified plan are currently deductible, while nonqualified plan deductions are generally postponed

Nonqualified plans must satisfy stricter coverage and nondiscrimination rules than qualified plans in order to earn a deduction

Earnings in a qualified plan are taxed to the employee each year, while nonqualified plan earnings grow tax deferred

Benefits from a qualified plan are received income tax free, while nonqualified plan benefits are taxed as ordinary income

Elective salary deferrals made by an employee into a traditional 401(k) plan are best described as:

Excluded from the employee's current taxable income and taxed when distributed

Included in the employee's current taxable income and received tax free when distributed

Deductible by the employee as an itemized deduction on Schedule A in the year deferred

Excluded from current income, with the earnings portion alone taxed at distribution

Which statement about required minimum distributions from a traditional IRA is accurate?

Failing to withdraw the required amount triggers an additional tax on the shortfall

They must begin by April 1 of the year after the owner reaches age 59 1/2

They may be postponed indefinitely as long as the owner names a spouse as sole beneficiary

They may be delayed past the required beginning date while the owner is still working

An insurance contract is called aleatory because:

The dollar amounts exchanged by the parties may be very unequal and depend on an uncertain event

The insurer's promise to pay becomes enforceable once the stated policy conditions have been met

The applicant must accept the contract as drafted by the insurer without negotiating any of its terms

The insurer alone makes a legally enforceable promise, since the insured merely pays premiums

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Indiana Life Insurance Practice Exam Free - 2026

Indiana's insurance industry stretches from Indianapolis to every county seat, overseen by the Indiana Department of Insurance. Practice free, review every explanation, and walk into your exam knowing the reasoning. Access 300+ free Life Insurance questions with detailed explanations.

Exam quick facts. The Indiana Life Insurance exam: 95 questions in 120 minutes; passing score 70%; exam fee $69; administered by Pearson VUE; 20-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source

300+ Questions

Unlimited Practice

Indiana Specific

How the Indiana Life Insurance exam compares

The Indiana Life exam is 95 questions, 120 minutes, a scaled passing score of 70. The examination fee is $69.

Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL. Last updated July 29, 2026

Figures above are taken from Indiana Insurance Examination Candidate Handbook (Pearson VUE #121500, Sept 2024, rev 11/2025) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

The Indiana Life producer exam: general and state parts

Indiana splits the Life Insurance licensing exam into a general (national) part and a state-specific part on Indiana law: 95 total questions per handbook exam-volume table (content outline lists 50 scored + 5 pretest general, 30 scored + 5 pretest state). Time limit: 120 minutes. Passing: 70 (scaled; candidates need 70% to pass per handbook). The general part is what the practice tests on this page drill - policy types, provisions and riders, underwriting, and federal rules - while the state part comes from Indiana's own statutes and regulations, listed in the official content outline.

Candidates who pass the general part but fail the state part usually studied a national textbook and skipped their state's law chapter. Read the outline's state section, note every statute it cites, and confirm the details with the Indiana Department of Insurance.

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50-150 questions
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Indiana Life Exam Info

Vendor: Pearson VUE
Questions: 95 total questions per handbook exam-volume table (content outline lists 50 scored + 5 pretest general, 30 scored + 5 pretest state)
Time limit: 120 minutes
Passing: 70 (scaled; candidates need 70% to pass per handbook)
Exam fee: $69
Prelicensing: Life 20 hrs; Health 20 hrs; Life & Health 40 hrs; Property & Casualty 40 hrs (Indiana DOI resident licensing guidelines); certificate valid 6 months

Verified July 2026 from the Indiana Insurance Examination Candidate Handbook (Pearson VUE #121500, Sept 2024, rev 11/2025). Always confirm with the current official candidate handbook.

Indiana Department of Insurance

More Indiana Tests

Study Tip

Take your first mock exam cold, before studying - it maps your weak topics while you still have time to fix them. Then drill those topics in quiz mode and re-test.

Indiana Life Insurance Exam Topics

Advanced Policy Types

Advanced Taxation (1035, MEC, Annuities)

Annuities

Annuity Payouts & Suitability

Beneficiaries & Settlements

Business Uses of Life Insurance

Ethics & Regulations

General Principles & Contract Law

Group Life Insurance

Life Insurance Basics

Life Settlements & Viaticals

Policy Dividends

Policy Provisions & Options

Policy Riders

Qualified & Retirement Plans

Social Security Benefits

Taxation of Life Insurance

Types of Life Policies

Underwriting & Risk

Universal Life Insurance

Whole Life Insurance

State Insurance Law

Free Indiana Life Practice Questions with Answers

12 sample questions from the 300-question Life bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Life questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Indiana

Prepare for multiple insurance licenses in Indiana

Health Insurance

Indiana Exam

Property & Casualty

Indiana Exam

Life Insurance Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Official Indiana Insurance Resources

Important external links for Indiana insurance licensing information

Indiana Department of Insurance

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

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How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Indiana Life Insurance Practice Exam Free - 2026

How the Indiana Life Insurance exam compares

The Indiana Life producer exam: general and state parts

Choose Your Practice Mode

Indiana Life Insurance Exam Topics

Free Indiana Life Practice Questions with Answers

Question 1: Which characteristic best distinguishes a Roth IRA from a traditional IRA for the original account owner?

Question 2: A tax-sheltered annuity, also called a 403(b) plan, is available to employees of which type of organization?

Question 3: Which statement accurately describes how a Simplified Employee Pension, or SEP, is funded?

Question 4: A SIMPLE plan is generally designed for an employer with how many employees?

Question 5: A terminating participant asks that her qualified plan balance be paid directly to her so she can redeposit it in an IRA within 60 days. What is the tax consequence of taking possession of the funds?

Question 6: What is the most important tax difference between a qualified retirement plan and a nonqualified deferred compensation arrangement?

Question 7: Elective salary deferrals made by an employee into a traditional 401(k) plan are best described as:

Question 8: Which statement about required minimum distributions from a traditional IRA is accurate?

Question 9: A producer's authority to complete applications and collect initial premiums, even though the agency contract never lists those specific tasks, is an example of what kind of authority?

Question 10: An insurer allows a terminated producer to keep using company signs, stationery, and application forms. A consumer reasonably believes the producer still represents the insurer. Which concept most directly binds the insurer?

Question 11: An insurance contract is called aleatory because:

Question 12: Ambiguous language in a life insurance policy is generally interpreted in favor of the policyowner. This result flows from which contract characteristic?

Frequently Asked Questions

How many questions are on the Indiana Life Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Indiana insurance exam?

Can I take the practice test on my phone?

Is the Indiana Life Insurance producer exam one test or two?

Other Insurance Exams in Indiana

Life Insurance Exams in Nearby States

Official Indiana Insurance Resources

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