Indiana Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term
Renewal cycle
Every 2 years
Ethics requirement
3 hrs for Life/Health lines (within the 24)
Issued by
Indiana Department of Insurance
Indiana runs a 24-hour, two-year cycle, but its ethics rule has a twist that catches producers off guard: the 3-hour ethics requirement applies to producers holding Life, Health, or Variable Life and Annuity lines - and not to producers licensed for Property and Casualty only. Whether you owe ethics hours depends entirely on which lines you carry.
The Indiana Department of Insurance (IDOI) oversees producer licensing. Your renewal is tied to the last day of your birth month on a biennial schedule, and CE is reported through the state's system within days of completion.
The base requirement: 24 hours, with line-dependent ethics
IDOI requires an agent license carrying a major line of insurance to complete 24 hours of continuing education every two years. Within that total, 3 hours must be an ethics course for producers holding Life, Health, Variable Life and Annuity, or Life, Accident and Health qualifications. Producers licensed for Property and Casualty only are not subject to the 3-hour ethics requirement - a distinction Indiana clarified specifically because it is so easy to get wrong.
Who owes ethics hours - and who does not
- Hold a Life, Health, or Variable Life and Annuity line? Three of your 24 hours must be ethics.
- Licensed for Property and Casualty only? No ethics requirement applies - your 24 hours can be general or line-relevant.
- Carry both groups? The ethics requirement attaches because of your life/health authority, and you still complete one combined 24-hour total rather than doubling up.
- You cannot earn credit for the same course more than once in a single compliance period.
Stop tracking this in a spreadsheet
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
Start tracking — freeDeadlines, reporting, and carryover
Your license renews on the last day of your birth month, every two years. CE completions are reported to the state shortly after you finish, so leaving courses to the final week is risky. Indiana's published guidance on carryover is not fully consistent across sources - some materials describe a limited carryover allowance and others state that carryover is not permitted - so do not count on rolling surplus hours forward without confirming your current rule directly with IDOI or your Sircon transcript.
How CredTally keeps this on autopilot
- Track 24 hours with a 3-hour ethics bucket that you switch on only for the lines that require it - so P&C-only producers are not chasing hours they do not owe, and life/health producers never miss theirs.
- Multi-state producers: every license gets its own card, deadline, and reminders, so Indiana's birth-month cycle never collides with another state's clock.
- Store every certificate with the course it proves, so IDOI reviews and Sircon transcripts are a download, not a hunt.
- Reminders at 90, 60, 30, and 7 days before each license's deadline, with your remaining hours front and center - early enough to beat the reporting lag.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do Indiana insurance producers need?
Twenty-four hours every two years for a license carrying a major line of insurance.
Does Indiana require ethics CE for all producers?
No. The 3-hour ethics requirement applies to producers holding Life, Health, or Variable Life and Annuity lines. Producers licensed for Property and Casualty only are not subject to it.
When is Indiana insurance CE due?
By the last day of your birth month, every two years. Completions are reported to the state shortly after you finish, so avoid leaving CE to the final week.
Can I carry over extra CE hours in Indiana?
Indiana's published guidance is not consistent on this - some sources describe a limited carryover and others say it is not allowed. Confirm your current rule with IDOI or your Sircon transcript before relying on carryover.
Official sources
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
CredTally tracks all of this for you
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
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