Curriculum: Indiana Life Insurance Only Prelicensing (20-Hour)

Orient Indiana Life Insurance Only candidates to the Indiana Department of Insurance (IDOI) authority under Title 27 of the Indiana Code, the producer licensing framework of IC 27-1-15.6, continuing education under IC 27-1-15.7, unfair insurance practices under IC 27-4-1, the mandatory life policy provisions of IC 27-1-12 (insurable interest, incontestability, grace, reinstatement, loans, non-forfeiture), group life under IC 27-1-12.5, annuity suitability under 760 IAC 1-72 (enabled by IC 27-4-9; NOT IC 27-1-12.8, which is the Standard Valuation Law), the genetic-information bar of IC 27-2-21 and cybersecurity duties of IC 27-2-27, and the six elements of a valid insurance contract — all aligned to the Pearson VUE Indiana Life examination outline.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 1: Orientation, Indiana Regulatory Framework, and Insurance Contract Foundations.
• -Apply the lesson's rules to realistic Indiana life insurance and annuity transactions, including sales presentations, applications, replacements, suitability reviews, and delivery.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, riders, suitability obligations, and contestable-claim issues that shape Indiana life and annuity products covered in this lesson.

Master the life product catalog (term, whole life, universal life, variable life and VUL, indexed universal life) and every IC 27-1-12 standard provision (insurable interest — IC 27-1-12-17.1 for employer-owned coverage plus Indiana common law for individual relationships, incontestability under IC 27-1-12-6, grace under IC 27-1-12-6, reinstatement under IC 27-1-12-6, policy loans under IC 27-1-12-19, non-forfeiture options under IC 27-1-12-20, settlement options under IC 27-1-12-24, the bundled mandatory provisions under IC 27-1-12-6, replacement under IC 27-1-12-43, and misstatement of age/sex under IC 27-1-12-14), plus group life under IC 27-1-12-37 et seq., MEC rules, dividend options, beneficiary designations, free-look, and the full Indiana rider catalog — at the depth required to pass the Pearson VUE Indiana Life examination.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 2: Life Insurance Products and IC 27-1-12 Standard Provisions.
• -Apply the lesson's rules to realistic Indiana life insurance and annuity transactions, including sales presentations, applications, replacements, suitability reviews, and delivery.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, riders, suitability obligations, and contestable-claim issues that shape Indiana life and annuity products covered in this lesson.

Distinguish fixed, variable, and indexed annuities by their interest-crediting mechanics and regulatory classification; apply Indiana's annuity best-interest / suitability standard under 760 IAC 1-72 (enabled by IC 27-4-9; NOT IC 27-1-12.8, which is the Standard Valuation Law); compute surrender values; apply the new-policy 10-day free-look under IC 27-1-12-6 (bundled standard provisions; "IC 27-1-12-13" is a documented wrong-cite distractor governing filing of policy forms) and the 20-day replacement free-look under 760 IAC 1-16.1-6(5), and apply the replacement framework under IC 27-1-12-43 and 760 IAC 1-16.1; navigate underwriting (MIB, APS, paramed, MVR, prescription history, lab values, risk classification, table ratings, flat extras); apply HIPAA and IC 27-2-21 to underwriting data; explain group life eligibility, evidence of insurability, conversion, and portability under IC 27-1-12-37 et seq. ("IC 27-1-12.5" is a documented wrong-cite distractor); analyze key-person, buy-sell, executive bonus, and split-dollar business cases; and apply estate-planning concepts including IRC §2042 and ILITs.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 3: Annuities, Underwriting, Group Life, and Business and Personal Uses of Life Insurance.
• -Apply the lesson's rules to realistic Indiana life insurance and annuity transactions, including sales presentations, applications, replacements, suitability reviews, and delivery.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, riders, suitability obligations, and contestable-claim issues that shape Indiana life and annuity products covered in this lesson.

Consolidate producer licensing grounds for revocation and suspension under IC 27-1-15.6-8, CE compliance under IC 27-1-15.7, the full Indiana unfair-trade-practice catalog under IC 27-4-1, unfair claims settlement practices under IC 27-4-1-4.5, replacement rules under IC 27-1-12-43 and 760 IAC 1-16.1, annuity suitability / best-interest standard under 760 IAC 1-72 (enabled by IC 27-4-9; do NOT cite IC 27-1-12.8, which is the Standard Valuation Law), genetic-information anti-discrimination under IC 27-2-21, cybersecurity duties under IC 27-2-27, HIPAA, the federal best-interest framework, the Indiana Insurance Guaranty Association under IC 27-8-8, and 760 IAC overlays — and rehearse the Pearson VUE Indiana Life examination via an 85-question Pearson-VUE-style mock final with answer key and answer-letter distribution audit.

• -Identify the Indiana statutes, IDOI rules, and Pearson VUE-tested concepts taught in Lesson 4: Indiana Insurance Law, Ethics, and Pearson VUE Exam Readiness.
• -Apply the lesson's rules to realistic Indiana life insurance and annuity transactions, including sales presentations, applications, replacements, suitability reviews, and delivery.
• -Distinguish mandatory regulatory obligations from best-practice steps within the lesson topic.
• -Recognize the policy provisions, riders, suitability obligations, and contestable-claim issues that shape Indiana life and annuity products covered in this lesson.