- The Official 2026 INLH Pass Rate
- How the First-Time Pass Rate Is Calculated
- Exam Mechanics That Shape the Numbers
- Why Domain 10 Deserves Extra Weight
- Where Candidates Actually Lose Points
- What Happens If You Don't Pass
- Raising Your Odds Above the Average
- Pass Rate in Context
- Frequently Asked Questions
- The official January-June 2026 first-time pass rate for the Indiana Life and Health Producer exam was 62%.
- You need 70% correct on 135 scored questions (out of 150 total) to pass, within a 3-hour limit.
- Indiana laws and department rules common to all lines is the single largest domain at 14.8% of the exam.
- Failed attempts require a 48-hour wait before retesting through Pearson VUE or Ivy Tech.
The Official 2026 INLH Pass Rate
If you're preparing for the Indiana Life and Health Insurance Producer Exam (INLH), the number that matters most right now is the official first-time pass rate reported for January through June 2026: 62%. That means roughly 4 in 10 first-time candidates did not clear the 70% passing threshold on their initial attempt during that testing window.
This isn't a soft estimate pulled from a study aggregator. It's the figure tied directly to candidates testing under the Indiana Department of Insurance's exam program, administered through Pearson VUE. A 62% first-time pass rate tells you two things simultaneously: the exam is passable with the right preparation, and a meaningful share of candidates are walking in underprepared for at least part of the content outline.
How the First-Time Pass Rate Is Calculated
The 62% figure specifically covers first-time candidates - people sitting for the INLH for the first time, not repeat test-takers. This distinction matters because retake statistics for the same exam typically trend differently than first-attempt numbers, since retake candidates have already seen the format and know exactly where they fell short.
Understanding this distinction is useful for planning: if you treat your first attempt as your only attempt, you're aligning your preparation with the population the 62% figure describes. For a full breakdown of how the passing threshold itself is set and scored, see INLH Passing Score 2026: Exactly What You Need to Pass.
Exam Mechanics That Shape the Numbers
Pass rates don't exist in a vacuum - they're a direct product of exam structure. The INLH consists of 150 multiple-choice questions, but only 135 of those are scored. The remaining 15 are unscored pretest questions mixed in without identification, meaning you can't skip effort on any question because you don't know which ones count.
- Total questions: 150 (135 scored, 15 unscored pretest)
- Time limit: 3 hours
- Passing score: 70% on the scored portion
- Exam fee: $69 per sitting
- Format: Closed book - no personal calculators or reference materials allowed
The closed-book, no-calculator condition is a meaningful factor in the 62% pass rate. Candidates who lean on memorized formulas or notes during prelicensing coursework, then lose that crutch on exam day, often underperform relative to their coursework grades. This is one reason a dedicated resource like INLH Study Guide 2026: How to Pass on Your First Attempt emphasizes recall without aids rather than open-note review.
Key Takeaway
Practice under exam-like conditions - no calculator, no notes, 3-hour block - well before test day. The pass rate gap often comes down to unfamiliarity with the closed-book format, not lack of knowledge.
Why Domain 10 Deserves Extra Weight
The INLH content outline (effective November 26, 2025, per the August 2026 candidate handbook) spans 12 domains across life insurance, health insurance, and Indiana-specific regulation. Of those, one domain stands out by sheer size: Indiana Laws and Department Rules Common to All Lines of Insurance, which represents 14.8% of the exam - the largest single domain.
Domain 10: Indiana Laws and Department Rules Common to All Lines of Insurance
This domain covers state-specific licensing rules, producer conduct standards, and department authority - content that generic national insurance study materials often gloss over because it's unique to Indiana.
- Producer licensing requirements and renewal cycles
- Department of Insurance enforcement authority and penalties
- Unfair trade practices and claims settlement standards
Because this domain carries the heaviest weight of any of the 12 areas, underestimating it is one of the more common - and avoidable - reasons candidates fall short of 70%. A full walkthrough of every domain's scope, including the life and health regulation domains that often get confused with each other, is available in INLH Exam Domains 2026: Complete Guide to All 12 Content Areas.
Where Candidates Actually Lose Points
Beyond Domain 10's outsized weight, the remaining 11 domains split the rest of the exam across life and health product knowledge, policy mechanics, and underwriting procedures. Candidates preparing for the INLH need working command of all of the following:
- Domain 1: Life - Types of Policies
- Domain 2: Life - Provisions, Options, and Exclusions
- Domain 3: Life - Completing the Application, Underwriting, and Delivering the Policies
- Domain 4: Life - Retirement and Other Insurance Concepts
- Domain 5: Health - Types of Policies
- Domain 6: Health - Policy Provisions, Clauses, and Riders
- Domain 7: Health - Social Insurance
- Domain 8: Health - Other Insurance Concepts
- Domain 9: Health - Field Underwriting Procedures
- Domain 11: Life Regulations
- Domain 12: Health Regulations
Candidates frequently report the split between "Life Regulations" (Domain 11) and "Indiana Laws and Department Rules Common to All Lines" (Domain 10) as a point of confusion - the two sound similar but test different scopes. If you're unsure how tricky the question style gets across these overlapping areas, How Hard Is the INLH Exam? Complete Difficulty Guide 2026 breaks down the difficulty curve domain by domain.
| Exam Detail | Figure |
|---|---|
| Total questions | 150 (135 scored / 15 unscored pretest) |
| Time limit | 3 hours |
| Passing score | 70% |
| Exam fee | $69 |
| Initial application fee | $40 |
| Jan-June 2026 first-time pass rate | 62% |
| Largest domain | Domain 10 - Indiana Laws & Dept. Rules (14.8%) |
| Retake wait period | 48 hours |
What Happens If You Don't Pass
Given a 62% first-time pass rate, a substantial number of candidates will need to retest. Indiana's rules are straightforward: after an unsuccessful attempt, you must wait 48 hours before scheduling another sitting through Pearson VUE. There's no cap mentioned on retake attempts in the candidate handbook beyond that waiting period, but each attempt requires paying the $69 exam fee again.
There's also a time-sensitive administrative detail that trips up candidates who fail and then delay retesting: your 40 hours of approved Life and Health prelicensing education produces a course completion certificate that's only valid for six months. If you fail the exam and don't retest and file your license application within that six-month window, you may need to redo the prelicensing coursework. This makes the 48-hour retake rule less of a burden than the six-month certificate clock - plan your retake schedule around the certificate expiration, not just the minimum wait.
For the full eligibility picture, including age requirements and the application filing sequence, see INLH Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Raising Your Odds Above the Average
A 62% first-time pass rate isn't a coin flip, but it's close enough that a passive study approach - reading through prelicensing materials once and hoping for retention - puts you at real risk of landing in the 38%. A domain-weighted schedule that mirrors the exam's actual content distribution is a more reliable path.
Life Domains (1-4)
- Policy types, provisions, exclusions, and underwriting procedures
- Practice closed-book recall of nonforfeiture and settlement options
Health Domains (5-9)
- Policy provisions, riders, social insurance (Medicare/Medicaid), field underwriting
- Drill scenario-based questions, since health underwriting questions tend to be application-based
Domain 10 - Indiana Laws & Dept. Rules
- Give this domain disproportionate time given its 14.8% weight
- Review producer conduct standards and department enforcement authority
Life & Health Regulations (11-12) + Full Timed Simulation
- Distinguish state-specific regulation questions from general Domain 10 material
- Run at least one full 150-question, 3-hour timed practice session
Full-length timed practice under real exam conditions is one of the few study tactics with a direct line to pass-rate improvement, because it exposes pacing problems before test day rather than during it. You can run realistic timed sessions at the main INLH practice test platform to get comfortable with the 150-question, 3-hour format before you sit for the real thing.
Pass Rate in Context
It's worth putting the 62% figure alongside the exam's cost and licensing structure so you understand the full financial and time picture, not just the score threshold. The $69 exam fee is separate from the $40 initial license application fee, and both are sunk costs if you don't pass and file within the six-month certificate window. Once licensed, renewal comes every two years on the last day of your birth month, requiring 24 continuing education hours including 3 hours of ethics - so the exam itself is really the first of several recurring commitments in this career path.
If you're weighing whether the investment of time and retake risk is worthwhile relative to what producers in Indiana actually earn, Is the INLH Certification Worth It? Complete ROI Analysis 2026 and INLH Salary Guide 2026: Complete Earnings Analysis address that question directly. For a breakdown of every fee and cost involved from prelicensing through license issuance, see INLH Certification Cost 2026: Complete Pricing Breakdown.
You can also run a condensed self-check of your readiness using practice questions modeled on the real exam format before committing to a scheduled test date at Ivy Tech or a Pearson VUE center.
Frequently Asked Questions
The official first-time pass rate for January through June 2026 was 62%, based on Indiana Department of Insurance exam data administered through Pearson VUE.
No. The 62% figure specifically measures first-time candidates. Retake outcomes are tracked separately and are not part of this statistic.
You need 70% correct on the 135 scored questions out of the 150 total questions on the exam. The other 15 are unscored pretest questions.
Indiana requires a 48-hour waiting period before you can schedule another attempt, and each attempt requires paying the $69 exam fee again.
Domain 10, Indiana Laws and Department Rules Common to All Lines of Insurance, carries the heaviest weight at 14.8% and deserves proportionally more study time than any other single domain.