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Examination Procedure Checklist


Preparing For a Licensing Exam 

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 pay for it via PAN, scheduling is choosing an appointment and location to take the exam at an Ivy Tech Testing Center.

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

Step 1: Use the Exam 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 Outlines Study Material Information

Step 2: Complete the Pre-licensing Education requirements

You may search for approved providers online through www.sircon.com/indiana  

Step 3: Obtain a Certificate of Completion from the provider

The Pre-Licensing Education Certificate of Completion must be dated and signed by the provider/instructor and match the requested examination.

See also Waiver of Pre-Licensing Education Requirements

Registering and Scheduling an Examination

For exams being taken on or before May 29, 2019, exam registration and scheduling may be done online through https://secure.vitapowered.com/idoi/login.screen or by calling Performance Assessmant Network (PAN) at 877-449-8378.

For exams being taken on May 30, 2019 and after, exam registration and scheduling may be done online through https://home.pearsonvue.com/in/insurance or by calling Pearson VUE at 866-895-0496.

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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.


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 PAN at 877-449-8378 or emailing IDOI_Support@panpowered.com; 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 (PAN) 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 (PAN) 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 (PAN) 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

Examinees must also take their login ID and password, and their state or U.S. federal government-issued photo ID, to the testing site. Acceptable IDs include the following:

  • Driver's License
  • U.S. Employment Authorization Card/Document
  • U.S. Passport
  • U.S. Military ID
  • U.S. Permanent Resident Card/Green Card
  • U.S. Federal-Issued ID Card
  • U.S. Government-Issued Visa
  • U.S. State-Issued ID Card
  • U.S. Territories IDs (Puerto Rico, Guam, U.S. Virgin Islands)

*ID must be current and is only valid through the expiration date printed on it. Only originals are acceptable. No photocopies or faxes will be permitted.

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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 state or federal government-issued photo 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 or call PAN at 877-449-8378; however, you will have to pay the full exam amount again in order to reschedule within 24 hours of your initial appointment.

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.  

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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")
  • The examination may contain addition, non-scored trial questions, which are not counted toward the final exam results. If the examination contains additional, non-scored trial questions, extra time will be allotted to the exam.

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.


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Special Exam Considerations

Americans with Disabilities Act (ADA)

The  Americans with Disabilities Act (ADA) requires testing entities to offer exams in a manner accessible to persons with disabilities.

The following provides information on testing accommodations for individuals with disabilities who take the Department of Insurance standardized exams for insurance licensure or certification. It addresses (a) the obligations of the IDOI to accommodate disabilities, (b) who is entitled to testing accommodations, (c) what types of testing accommodations are provided, and (d) what documentation may be required of the person requesting testing  accommodations.

What Kinds of Tests Are Covered?

  • Exams administered by Indiana Department of Insurance related to applications, licensing, certification, professional, or trade purposes are covered by the ADA.
  • Examples of the Department’s Standardized Examinations:
    1. Insurance producers examinations
    2. Bail and Recovery Agents examinations
    3. Independent and Public Adjuster  examinations
    4. Surplus Lines examination
    5. Insurance Consultant examinations
    6. Navigator examination

What are Testing Accommodations?

  • Testing accommodations are changes to the regular testing environment and auxiliary aids and services that allow individuals with disabilities to demonstrate  their true aptitude or achievement level on standardized exams.
  • Examples of testing accommodations that may be provided include:
    1. Screen reading technology
    2. Individuals to read questions to the visually impaired
    3. Extended time
    4. Wheelchair-accessible stations
    5. Distraction-free rooms
    6. Physical prompts for individuals with hearing impairments
    7. Permission to bring and take medications during the exam
    8. Approved restroom breaks

Who is Eligible To Receive Testing Accommodations?

  • Individuals with disabilities are eligible to receive necessary testing accommodations.
  • Under the ADA, an individual with a disability is a person who has a physical or mental impairment that substantially limits a major life activity:
    1. ​​​​Seeing
    2. Hearing
    3. Reading
    4. Concentrating
    5. Thinking
    6. Neurological
    7. Endocrine
    8. Digestive
  • The determination of whether an individual has a disability generally does not demand extensive analysis and is made without regard to any positive effects of measures such as medication, medical supplies or equipment, low-vision devices, prosthetics, hearing aids, cochlear implants or mobility devices.
  • A person with a history of academic success may still be a person with a disability who is entitled to testing accommodations. For example, an individual substantially limited in one or more of the major life activities of reading, writing, speaking, or learning, may need additional time or effort to read, write, speak, or understand compared to most people in the general population.

What Testing Accommodations Must Be Provided?

  • The Department of Insurance seeks to ensure that the test scores of individuals with disabilities accurately reflect the individual’s  aptitude or achievement  and whatever skill the exam or test is intended to measure rather than the individual’s impairment.

What Kind of Documentation is Sufficient To Support a Request For Testing Accommodations?

  • Upon review  of the applicant’s stated reason for an accommodation, the Indiana Department of Insurance reserves the right to ask for documentation of the applicant’s disability.
  • Any documentation, if required, in support of a request for a testing accommodation must be reasonable and limited to the need for the need for the requested testing accommodation.
  • Appropriate documentation will vary depending on the nature of the disability and the specific testing accommodation requested.
  • Examples of documents include:
    1. ​​Recommendations of qualified professionals
    2. Proof of past testing accommodations
    3. Professional evaluations
    4. An applicant’s history of diagnosis
    5. An applicant’s statement of his history regarding testing accommodations
  • The Indiana Department of Insurance may only need one or two of the above documents to determine the candidates need for the accommodation without requiring further documentation.

How Quickly Can I Expect The Indiana Department of Insurance To Respond To A Request for Testing Accommodations?

  • The Department will respond in a timely manner to requests for testing accommodations so as to ensure equal opportunity for individuals with disabilities.

How DO I Request An Accommodation?

I Did Not Request An Accommodation and Didn’t Pass The Exam. Can I Take The Exam With An Accommodation for Free?

  • No. It is the responsibility of the person claiming a disability to request a reasonable accommodation each time an examination is scheduled. There are no refunds for previous examinations.

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
317-234-5882 (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.