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Indiana Department of Insurance

IDOI > Licensing > Resident Licensing > Limited Lines Credit, Crop & Hail, and Prearranged Funeral Insurance Limited Lines Credit, Crop & Hail, and Prearranged Funeral Insurance

Limited Line Credit Insurance

Under Indiana Code 27-1-15.6, "limited line credit insurance" includes any of the following:

  • Credit Life Insurance
  • Credit Disability Insurance
  • Credit Property Insurance
  • Credit Unemployment Insurance
  • Involuntary Unemployment Insurance
  • Mortgage Life Insurance
  • Mortgage Guaranty Insurance
  • Mortgage Disability Insurance
  • Guaranteed Automobile Protection (gap) Insurance
  • Any other form of insurance that: (i) is offered in connection with an extension of credit and is limited to partially or wholly extinguishing that credit obligation; and (ii) that the insurance Commissioner determines should be designated a form of limited line credit insurance.

An individual or entity shall not sell, solicit, or negotiate one or more of these classes of insurance in Indiana unless licensed as a limited line Credit producer, and/or licensed in a major line of insurance covering the respective class(es). There is no pre-licensing education or examination required prior to applying for the limited line Credit producer license. A person may apply for the license online at either www.sircon.com or www.nipr.com.

Limited Line Crop & Hail Insurance

Under Indiana Code 27-1-15.6-20, "crop hail insurance" means insurance that is used only in the event of hail related disasters to growing farm crops. "Multi-peril crop insurance" means insurance used in the event of weather related disasters or insect infestations during growing season and guaranteed by the Federal Crop Insurance Association.

To sell only crop hail and/or multi-peril crop insurance in Indiana, the individual or entity must first hold an active Property & Casualty producer license in Indiana. The licensed producer may then submit a signed letter to the IDOI Agent Licensing Division requesting that the Property & Casualty line of authority be changed to a limited line Crop & Hail line of authority. The licensed individual producer must also show proof of having completed at least 10 hours of continuing education (CE) on the Property & Casualty license.

Submit signed letters to:

IDOI Agent Licensing
311 W. Washington St.
Indianapolis, IN 46204
AgentLicensing@idoi.in.gov
317-232-5251 (fax)

*Include your name, resident address, and Indiana license number on the letter.

Limited Line Prearranged Funeral Insurance

Under Indiana Code 27-1-15.6-19, "prearranged funeral insurance" means insurance that is used to fund a funeral trust or any other arrangement for advance payment of funeral and burial expenses. An individual or entity shall not sell, solicit, or negotiate prearranged funeral insurance unless licensed as an insurance producer with a Life qualification or as a limited line Funeral producer.

To apply for the limited line Funeral Director producer license, the individual or entity must first hold an active Life or Life, Accident & Health producer license in Indiana. The licensed producer may then submit a singed letter to the IDOI Agent Licensing Division requesting that the Life or Life, Accident & health line of authority be changed to a limited line Funeral Director line of authority. The licensed individual producer must also show proof of having completed at least 10 hours of continuing education (CE) on the active license and must be licensed as a Funeral Director with the Indiana Professional Licensing Agency (PLA).

Submit signed letters to:

IDOI Agent Licensing
311 W. Washington St.
Indianapolis, IN 46204
AgentLicensing@idoi.in.gov
317-232-5251 (fax)

*Include your name, resident address, and Indiana license number on the letter.