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Indiana Department of Insurance

IDOI > Producer and Agency Licensing > Agents > Resident Licensing > Examination Procedure Checklist Examination Procedure Checklist

IDOI Testing Website

The Indiana Department of Insurance, Performance Assessment Network and its Associates (PAN), and Ivy Tech State College have teamed up to offer a comprehensive way for candidates to register for and schedule their exams, to make it as easy as possible for all candidates.

Registration and scheduling are two different procedures: registration is the process of choosing the exam and paying for it (PAN), scheduling is choosing an appointment and location to take the exam at an Ivy Tech Testing Center.

Preparation for an Indiana Department of Insurance Licensing Examination

I. Preparing For a License:

The following are the steps needed for preparing for an Indiana insurance exam with PAN:

Step 1: Use the Content Outline as a basis of study

CAUTION: The Department does not advise using examination questions on the market in CD format as a basis of study.

View Pre-Licensing Exam Content Study Materials information

Step 2: Complete the Pre-licensing Education requirements

Click on the following to find the approved providers
http://www.sircon.com/resource/layout.jsp?page=indianaLps&type=indiana

Step 3: Obtain a Certificate of Completion from the provider.

 It must be dated and signed by the provider/instructor and match the requested examination.

See also Waiver of Pre-Licensing Education and Examination Requirements.

II. Registering and Scheduling an Examination:

The following are the steps needed to register and schedule your Indiana Department of Insurance licensing exam.

Step 1: IDOI Testing Website

Click on the following for the IDOI testing website: https://secure.vitapowered.com/idoi/login.screen

Step 2: Register for Account

Create an account by clicking on the "Applicant Registration" link. Complete the registration form and click the continue button.

*Note: You must know your login ID and password when you arrive at the test center to take the exam.

Step 3: Login

Login to https://secure.vitapowered.com/idoi/login.screen using the login ID and password created during the registration process.

Step 4: Select Assessment

Select the licensing exam that matches your course certificate or waiver.

*Note: You must have your course certificate or waiver with you when you arrive at the test center to take the exam.

Step 5: Pay for Assessment

Enter your credit/debit card information. You may use Visa, MasterCard, or American Express to pay for your assessment.

Step 6: Schedule for Assessment

Select a date/time for the testing center of your choice. The testing centers closest to the address you entered during registration will be displayed. You may opt to see testing centers near a different zip code by entering that zip code at the bottom of the screen or you can see additional dates/times by clicking on the “More Times” link. If there are no available seats at the center of your choice, you may submit a Seat Request email.

Once your appointment has been scheduled, you will receive an email notification with the details of your appointment and instructions of what to bring.

Step 7: Take Assessment

Please arrive at the test center 10 minutes prior to your appointment. You will need the following information:

  • Login ID and Password
  • Course Certificate or Waiver
  • Federal or State ID

Should you need any assistance, please email IDOI_Support@panpowered.com or call Technical Support at 877-449-8378.

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Fees, Refunds and Policies

Fees and Refund Policy

Producers Examination Fee $75.50

Bail and Recovery Examination Fee $100

All exam registration fees may be included in one payment by using a MasterCard or Visa charge.

PERSONAL CHECKS AND/OR CASH ARE NOT ACCEPTED OR TRANSFERABLE TO ANOTHER INDIVIDUAL.

There are no refunds. You will need to be sure to select the correct assessment, bring the proper identification, login information (login ID and password), and forms with you to the test center.

If you arrive more than 30 minutes late or do not come with proper information, you will have to pay again and reschedule.

Rescheduling Your Appointment

To change your appointment time within 24 hours of your initial scheduled time, you may do so by calling 877-449-8378 however you will be required to pay again for the exam.

To change your appointment 24 hours prior to your initial scheduled time, you will need to return to https://secure.vitapowered.com/idoi/login.screen and click on the date/time link.

Absent from your Appointment

If you are unable to attend your scheduled examination due to illness or emergency, the rescheduling fee may be waived. The Indiana Department of Insurance and Performance Assessment Network reserve the right to request documentation to support your illness or emergency claim.

Retaking an Exam

If you have allowed your examination registration to expire, or were unsuccessful in your exam attempt, you may re-register by returning to https://secure.vitapowered.com/idoi/login.screen. The registration is good for one year. Another exam registration fee is required for each attempt. There are no limits to the number of retakes, so long as the process is completed within six months of completing the education requirement.

Emergency Closings

In the event of severe weather or emergencies, Ivy Tech may need to cancel scheduled exams. In this situation, Performance Assessment Network personnel will attempt to contact you by email or telephone; however, you may check on test closures by emailing IDOI_Support@panpowered.com.

Exams will be rescheduled at your earliest convenience, without a rescheduling fee, if a site is closed by Ivy Tech.

Social Security Number Confidentiality

Indiana law requires that, for purposes of obtaining a license, you must provide to the Department of Insurance your Social Security number. As a contracted agent of the Department of Insurance, Sircon, Performance Assessment Networks and its Associates will use your Social Security number only as an identification number in maintaining your record and reporting your score to the Department.

Test Administrators Contact Information

PAN and Ivy Tech work closely with IDOI and its examination review workshop to assure you that examinations meet local requirements and professional test development standards.

The Ivy Tech testing email is certificationr8list@lists.ivytech.edu

The PAN support email address is IDOI_support@panpowered.com and their telephone support is 877-449-8378

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Required Exam Documentation

The following is a listing of the certificates/forms needed for each exam:

Exam Required Form
Life Pre-licensing Course Certificate
Health Pre-licensing Course Certificate
Life and Health Pre-licensing Course Certificate
Property & Casualty Pre-licensing Course Certificate
Personal Lines Pre-licensing Course Certificate
Laws and Regulations - Life Waiver
Laws and Regulations - Property & Casualty Waiver
Laws and Regulations - Health Waiver
Laws and Regulations - Life and Health Waiver
Laws and Regulations - Independent Adjuster  Waiver 
Bail Agent & Recovery Agent Certificate of Eligibility
Independent Adjuster  Certificate of Completion 
Public Adjuster Certificate of Eligibility
Surplus Lines Property & Casualty License

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Exam FAQ's

When will I get my results?

After you have completed your assessment, the proctor will print your results.

Who do I contact if I am unable to schedule or log onto the scheduling website?

 Should you need any assistance, please email IDOI_Support@panpowered.com or call PAN Technical Support at 877-449-8378.

What if I arrive without my course certificate or waiver?

You will not be permitted to take the test if you arrive without your course certificate or waiver, login ID and password, or federal or state ID. You will be required to pay again and schedule a new appointment.

Can I pay with cash or check?

No, only credit or debit cards are accepted.

What if I need to reschedule my appointment?

If you need to reschedule your appointment, you will need to do so immediately by logging in at https://secure.vitapowered.com/idoi/login.screen You will not be permitted to reschedule your appointment via the scheduling website within 24 hours of your appointment. If you are within 24 hours of your scheduled appointment and are unable to attend, you must email IDOI_Support@panpowered.com; however, you will have to pay the full exam amount again in order to reschedule.

Can I schedule my assessment prior to paying?

No, you must pay before you can schedule your appointment.

What if I forget my password?

If you forget your password, click on the "Forget your Password?" link on the login screen. You will need to enter your login ID, select your secret word hint, and enter your secret word. If your secret word hint and secret word match the information you entered during registration, a new password will be emailed to you.

How do I get a refund?

There are no refunds. You will need to be sure to select the correct assessment, bring the proper identification, login information (login ID and password), and forms with you to the test center. If you arrive more than 30 minutes late or do not come with the proper information, you will have to pay again and reschedule.

How do I take the exam again?

If you were unsuccessful in your exam attempt, you may re-register by logging back into your online account at https://secure.vitapowered.com/idoi/login.screen. Another exam registration fee is required for each attempt. There are no limits to the number of retakes, so long as the process is completed within six months of completing the education requirement.  

Licensure & Reporting FAQ's

Licensure Requirements

Resident

  • An individual or business entity must hold an Indiana Property & Casualty producer license before he/she can apply for a Surplus Lines license.
  • Resident applicants are required to take a test for Surplus Lines and submit the original passing score report with their application.  Testing information is available through the Department's website at www.in.gov/idoi by clicking on Surplus Lines Licensing, Exam Registration & Scheduling, then click on IDOI Testing Website.
  • The individual must provider their Property & Casualty license at the test site in lieu of a pre-licensing certificate.
  • A resident business entity must identify at least one licensed surplus lines producer before the entity can be licensed for surplus lines.  If more than one individual is named, each individual must be licensed in Indiana as a surplus lines producer.
  • Effective July 1, 2007:
    • Surplus Lines licenses change from a one-year license to a two-year license;
    • Resident applicants are no longer required to submit a Surplus Lines tax guarantee bond in the amount of $20,000; and
    • The license or application fee increased from twenty dollars ($20) to eighty dollars ($80) for resident producer/business entity applicants.

Non-Resident

  • A non-resident individual or business entity must hold an Indiana Property & Casualty producer license before he/she can apply for a Surplus Lines license.
  • A non-resident applicant may not apply for a Surplus Lines license in Indiana unless currently licensed for Surplus Lines authority in their home state.
  • A non-resident business entity must identify at least one licensed surplus lines producer before the entity can be licensed for Surplus Lines.  If more than one individual is named, each individual must be licensed in Indiana as a Surplus Lines producer.
  • Effective July 1, 2007:
    • Surplus Lines licenses change from a one-year license to a two-year license; and
    • The license or application fee increased from twenty dollars ($20) to one hundred twenty dollars ($120) for non-resident producer/business entity applicants.

Initial Licensure Procedures

Electronic

  • As of September 2006, applicants may apply for a Surplus Lines license electronically through the SIRCON website which is available at www.sircon.com/indiana.  Additional fees may apply.
  • Resident Surplus Lines applicants must submit the Surplus Lines exam score report.  The score report must be sent via mail.
  • If one or more of the background questions is answered "YES", additional documentation is required.  Please mail to:

                        Indiana Department of Insurance
                        Surplus Lines Coordinator
                        311 W Washington St, Suite 300
                        Indianapolis, IN  46204-2787
                        Phone:  (317) 233-9998
                        Fax:      (317) 232-5252
                        Email:    blear@idoi.in.gov                            

Hardcopy / Paper

  • The applicant may choose to submit the Surplus Lines application in hardcopy rather than electronically through SIRCON.
  • Applicants must provider the following before obtaining a Surplus Lines license:
    • A completed, originally signed and dated application.  The application is available on the Department's website at http://www.in.gov/idoi/2352.htm, under "Apply / Renew / Edit".
    • If your state participates in the NAIC's producer database, a certification letter is not required.
    • License fee of eighty dollars ($80) for resident applicants or one hundred twenty dollars ($120) for non-resident applicants, made payable to the Indiana Department of Insurance.
    • Resident Surplus Lines applicants must include an original passing 'Score Report'.  The 'Score Report' will be given to the individual after the testing.
    • Provide a signed "Affidavit Regarding Monthly Affidavits & Semi-Annual Tax Filings".   The form is available on the Department's website at http://www.in.gov/idoi/2352.htm under "Apply / Renew / Edit", then scroll down to "Hardcopy Paper Application".
  • Please send the application with attachments to the address listed above.
  • A ten dollar ($10) fee will be charged for a duplicate license upon written request.
  • Once the Surplus Lines license has been issued, Surplus Lines producers are required to submit filings on a monthly, semi-annual and annual basis.  (Please review the instructions for "REPORTING".)

Renewal Procedures:

Newly licensed Surplus Lines producers will have their renewal month synchronized with their producer license renewal month.  Please bear in mind that it could be a four year process until they are synchronized as a result of the producer license changing from a four year license to a two year license.

     Example 1:  Producer is newly licensed in April of 2007 and the license issued has an expiration date of April 2011. Producer obtains a Surplus Lines license in September of 2007, which would have an expiration date of September 2009 that will be revised to reflect an expiration date of April 2009.  The Surplus Lines producer will have a Surplus Lines renewal in 2009 and then will have a producer and Surplus Lines renewal in 2011.

     Example 2:  Producer has a renewal date of May 2010.  Producer obtains a Surplus Lines license in September of 2007, which would have an expiration date of September 2009 that will be revised to reflect an expiration date of May 2010.  The Surplus Lines producer will have a producer and Surplus Lines renewal in 2010.

     Example 3:  Producer has a renewal date of June 2009.  Producer obtains a Surplus Lines license in September of 2007, which would have an expiration date of September 2009 that will be revised to reflect an expiration date of June 2009.  The Surplus Lines producer will have a producer and Surplus Lines renewal in 2009.

     Example 4:  Producer has a renewal date of March 2008.  Producer obtains a Surplus Lines license in September of 2007, which would have an expiration date of September 2009 that will be revised to reflect an expiration date of March 2010.  The Surplus Lines producer will have a producer and Surplus Lines renewal in 2010.

For the Surplus Lines expiring December 31st, renewal notices will be mailed to all Surplus Lines producers in late October.  Once the renewal notice has been received, Surplus Lines producers may renew their licenses electronically or submit a hardcopy of the application and attachments to the Department.

 

Electronic

  • Effective July 1, 2007:
    • Surplus Lines licenses change from a one-year license to a two-year license;
    • Resident applicants are no longer required to submit a Surplus Lines tax guarantee bond in the amount of $20,000;
    • The license or application fee increased from twenty dollars ($20) to eighty dollars ($80) for resident producer/business entity applicants; and
    • The license or application fee increased from twenty dollars ($20) to one hundred twenty dollars ($120) for non-resident producer/business entity applicants.
  • Surplus Lines producers may renew their licenses electronically through the SIRCON website available at www.sircon.com/indiana.  Additional fees may apply.
  • If one or more of the background questions is answered "YES", since the last renewal date, additional documentation is required.  Please mail to:

              Indiana Department of Insurance
              Surplus Lines Coordinator
              311 W Washington St, Suite 300
              Indianapolis, IN  46204-2787
              Phone:  (317) 233-9998
              Fax:      (317) 232-5252
              Email:    blear@idoi.in.gov

Hardcopy / Paper

  • Effective July 1, 2007:
    • Surplus Lines licenses change from a one-year license to a two-year license;
    • Resident applicants are no longer required to submit a Surplus Lines tax guarantee bond int he amount of $20,000;
    • The license or application fee increased from twenty dollars ($20) to eighty dollars ($80) for resident producer/business entity applicants; and
    • The license or application fee increased from twenty dollars ($20) to one hundred twenty dollars ($120) for non-resident producer/business entity applicants.
  • The Department suggests that you submit your application for renewal and the required attachments between October 31 and December 1 for processing, which allows ample time for processing prior to the expiratino.
  • The renewal fee is to be submitted with the Surplus Lines renewal application and other attachments to the Department's address listed above.
  • There are no CE requirements for Surplus Lines.  Please disregard the CE portion of the renewal form.
  • Licenses must be renewed bi-annually by completing a new application and the following:
    • If your state participates in the NAIC's producer database, a certification letter is not required.
    • License fee of eighty dollars ($80) for resident applicants / one hundred twenty dollars ($120) for non-resident applicants, made payable to the Indiana Department of Insurance.
    • If one or more of the background questions is answered "YES", since the last renewal date, additional documentation is required.  Please mail to the Department's address listed above.

 

Reporting:  All filings should be submitted to the Surplus Lines Coordinator.  The required forms are available on the Department's website at "Apply / Renew / Edit".

  • Monthly Reporting - The Monthly Report Affidavit and Monthly Report Excel Spreadsheet must be attached and submitted by the 20th of each month indicating the Surplus Lines premium written.
    • Surplus Lines producers are no longer required to submit monthly reports and affidavits if no business is written for that particular month.
    • Monthly reports:
      • Should be submitted on the form provided on the Department's website ("Apply / Renew / Edit" at the bottom of the page) or using the same format on an Excel spreadsheet;
      • Should reflect amounts for gross premiums (which include agency fees, police fees, etc.) written during the given month;
      • Must be grouped and sub-totaled by the name of the company business was placed with;
      • Must provide a total of gross premiums written and premiums returned;
      • Must provide a grand total of premiums written subtracting premiums returned;
      • Should reflect the full company name (not the group name) and the company's NAIC number;
      • Must reflect, per policy written, three (3) refusals of coverage from admitted companies; and
      • Report business written with authorized Surplus Lines companies.  A listing of authorized companies is available through the Department's website at www.in.gov/idoi/2368.htm#14.  If the company is not authorized, the Department will send a letter to the producer indicating so.
    • Policy binders or declaration pages are not required.
    • Reports filed by the 20th are for the prior months' business (e.g. January 2007 report should be filed by February 20, 2007).
    • If a revision is made, a revised monthly report must be:
      • Filed with the Department;
      • Clearly marked "Revised";
      • Submitted with signatures;
      • Accompanied by a cover letter explaining the revision; and
      • Accompanied by a revised affidavit with signatures.
  • Semi-Annual Tax Reporting - Indiana's Surplus Lines premium tax rate is 2.5% of the gross premiums.  Surplus Lines premium tax is payable semi-annually on or before February 1st and August 1stPOSTMARK DATES ARE NOT ACCEPTABLE.  If the Surplus Lines tax payment s not received by the appropriate deadline, a ten percent (10%) penalty will be assessed on any amounts received after the 1st of the month.  In the event the 1st falls on the weekend, the tax is due on the preceding workday.
    • Semi-annual tax reports are required even if no business has been written for the past six months.
    • Premium amounts reported on the tax report should agree with the amounts reported on the monthly reports for the given period.  If different, amended reports and affidavits should be submitted for those months being corrected with the tax filing.
    • To calculate the Surplus Lines taxes due, please multiply the total premiums by (0.025) to calculate the total amount of Surplus Lines tax due to Indiana.
    • The Surplus Lines tax due from January through June must be received in our office on or before August 1st.
    • The Surplus Lines tax due from July through December must be received in our office on or before February 1st.
    • The tax payment is due with t he completed tax report by the appropriate deadline.
    • If a revision must be filed, the document should be clearly marked "Revised" and must be submitted with original signatures.  The revision should be submitted with a cover letter explaining the revision and any additional taxes and/or penalties should be remitted.
    • The semi-annual tax report must list the tax preparer's information for inquiry purposes.

  • Annual Reporting - In accordance with Indiana Code 27-1-15.8-4(3), Surplus Lines producers are required to file the Surplus Lines company's annual statement and actuarial opinion by March 31st for evaluation as to whether the company will be authorized as a Surplus Lines carrier.



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Taking the Exam

Your examination will be given by computer at an Ivy Tech Test Center. You do not need any computer experience or typing skills to take your examination. Although you will not need a calculator you will be given scratch paper and pencil to assist with any calculations you feel are necessary. The scratch paper must be returned to the test proctor.

  • You will have a personalized introduction to the testing system and an introductory lesson, which takes place on the computer, before you start your test.
  • Arrive at least 10 minutes before your scheduled examination appointment in order to verify your identification and allow time for you to sign in.
  • Bring your original pre-licensing education Certificate of Completion or IDOI waiver letter to the testing center each time you test.
  • If you are a candidate for the Bail or Recovery Agent examinations, you must present your original Certificate of Eligibility.
  • You must present a valid form of identification before you may test, and it must meet the following criteria:
    • The document must be government-issued (driver's license, state-issued identification card or military identification)
    • It must have a current photo and your signature
    • The name on the identification must be the same as the name used to register for the examination (including designations such as "Jr." or "III")

Failure to provide appropriate identification at the time of the examination is considered a missed appointment.

Security Procedures

The following security procedures will apply during the exam:

  • Examinations contents are proprietary. No cameras, notes, tape recorders, phones, or pagers are allowed in the testing room;
  • No guests, visitors, or family members are allowed in the testing or reception areas;
  • No programmable calculators are permitted; and
  • No valuables or weapons should be brought to the testing center. Only keys and wallets may be taken into the testing room, and Ivy Tech is not responsible for items left in the reception area.

FAILURE TO FOLLOW ANY OF THESE SECURITY PROCEDURES MAY RESULT IN THE DISQUALIFICATION OF YOUR EXAMINATION. IVY TECH RESERVES THE RIGHT TO VIDEOTAPE ANY EXAMINATION SESSION.

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Special Exam Considerations

Americans with Disabilities Act (ADA)

Examinees with a physical or mental impairment that substantially limits a major life activity may be eligible for accommodation in the testing process to assure you that the tests accurately reflect skills, knowledge or abilities. Ivy Tech Test Centers are fully compliant with ADA guidelines and will provide reasonable accommodations. If you require special accommodations for your exam, please indicate this during your online exam registration and scheduling process.

English as a Second Language

If English is not your primary language, you may qualify for additional time for your exam. If this is the case, please indicate this during the online registration and scheduling process.

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Understanding Exam Results

At the end of your test, you will receive a printed score report. The report indicates your overall score and grade, including the numerical percentage of questions answered correctly, and whether you passed or failed. It also reveals how you did on the major section of the test as defined by Examination Content Outline.

The percentage correct in each major section of the test is displayed. The primary purpose in providing sub-scores for each part of the examination is to guide you, your employer and your pre-licensing education provider in areas requiring additional preparation for retesting in the event you are unsuccessful. Even when you are successful, you may wish to focus on the areas that might require additional attention as you begin to provide insurance products and services to the public.

Because examination outline sections are allocated different numbers of questions in the examination, the section percentages will not average out to your total passing score. Your total passing score is computed by dividing the number of questions you answered correctly by the total number of questions in the examination. The total score is NOT computed by adding the sub scores and dividing by the total number of subsections. A sample License Examination Score Report is shown below:

Sample Score Report

Score Report for Sample, Amy A.
Indiana Producer's Life Examination

  Number of Questions Number Correct Percent Correct
Life Total Test Score 100 80 80%
Insurance Regulation 10 8 80%
General Insurance 7 5 71%
Life Insurance Basics 23 19 83%
Life Insurance Policies 19 15 78%
Life Insurance Policy Provisions, Options, and Riders 19 15 79%
Annuities 15 12 80%
Federal Tax Considerations 5 4 80%
Qualified Plans 2 2 100%


Score: 80%
Grade: Pass

Copyrighted Exam Questions

All test questions are the copyrighted property of the Indiana Department of Insurance. It is forbidden under federal copyright law to copy, reproduce, record, distribute or display these test questions by any means, in whole or in part, without our written permission. Doing so may subject you to severe civil and criminal penalties, including up to five years in prison and/or a $250,000 fine for criminal violations.

Special Test Considerations

Exam results are transmitted electronically to the Department. Exam scores are confidential and will be revealed only to you and the Department.

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Appeal Committee

Our goal is to provide a quality test and pleasant testing experience to every candidate. If you are dissatisfied with either and believe we can correct the problem, we would like to hear from you. To facilitate this, we provide an opportunity at the end of your exam to make comments on screen at the testing centers, and your comments will be reviewed, but you will not receive a direct response. You can contact Agency Services of the Department to discuss your concern. Your concern will be directed to an appropriate individual for response.

We try to resolve candidate concerns at the testing site or on the phone whenever possible. If you feel that your concern has not been resolved, you must put your comments in writing to the following address:

Indiana Department of Insurance
Deputy Commissioner Agency Services
311 W. Washington St
Indianapolis, IN 46204
317-234-1138
317-232-5251 Fax

If your concern is regarding registration, scheduling or test administration (testing site procedures, equipment, personnel, etc.), you may either mail or fax your concern to us.

In your letter include:

  • Your name
  • Exam name
  • Test date
  • Specific description of concern
  • Relevant facts surrounding concern

We will arrive at a resolution, and you will receive a response in writing from the Appeal Committee within 10 business days of receipt.