Louisiana Insurance Exam Guides
Pick the license you're studying for. Each guide covers Louisiana-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Louisiana exam's state-law material, mapped.
Free study resource
What's actually tested on the Louisiana exam — the state regulations, mapped
Every Louisiana insurance exam reserves a block of questions for Louisiana-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 101 facts from the TESTivity Louisiana regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 14 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years from the date of issue, during the insured's lifetime
- Grace period for individual life tested30 days (one month)
- Window to reinstate a lapsed policy testedWithin 3 years of premium default, on evidence of insurability and payment of overdue premiums
- Max interest chargeable on reinstatement, if capped testedOverdue premiums bear interest not exceeding 6% per year, compounded annually
- Suicide exclusion period testedUp to 2 years from the date of issue — after that, suicide is no defense
- Free look for individual life tested10 days for individual life — the owner may return the policy within 10 days for a refund
- Free look for annuities tested10 days (the same 10-day right applies to annuities)
- Free look when a policy is being replaced tested30 days on a replaced life policy or annuity, with an unconditional refund (Regulation 70)
- Free look for long-term care tested30 days for long-term care (LA R.S. 22:1186); 30 days for Medicare supplement (Regulation 33)
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, extended term insurance
- Registrations required to sell variable products testedThe Life line plus FINRA securities registration; Variable Life and Variable Annuity is a separate Louisiana line that requires no exam
- Does the state regulate viatical/life settlements? testedYes — the Louisiana Viatical Settlements Act
- Viator's rescission window testedAt least 15 calendar days from receipt of the proceeds (the viatical purchaser has a separate 3-day right)
- Has the state adopted the NAIC best interest standard? testedYES — adopted the NAIC best interest standard (Regulation 89), effective September 20, 2024. A producer recommending an annuity must act in the consumer's best interest.
Health 14 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES — Louisiana expanded Medicaid under the ACA, with coverage beginning July 1, 2016 (up to 138% of the poverty level)
- Effective date of expansion, if expanded testedJuly 1, 2016
- Agency administering Medicaid testedHealthy Louisiana — the state's Medicaid managed-care program, administered by the Louisiana Department of Health
- Federal marketplace or state-based exchange testedA FEDERALLY-FACILITATED marketplace — Louisiana uses HealthCare.gov (no state-based exchange)
- Name of the state CHIP program testedLaCHIP — the Louisiana Children's Health Insurance Program
- Clean-claim payment deadline, electronic tested25 days to pay an electronic clean claim
- Clean-claim payment deadline, paper tested45 days to pay a paper clean claim
- Does the state distinguish electronic vs paper claims? testedYes — 25 days electronic, 45 days paper
- Interest / penalty on late claim payment tested12% per year interest on a clean claim not paid on time
- Is the IRO's external review decision binding on the plan? testedYES — Louisiana runs a binding external review: request within 4 months of the final internal denial, an Independent Review Organization decides within 45 days, and the decision is binding on the issuer
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Louisiana's continuation covers group coverage not subject to federal COBRA (smaller groups)
- Employer size range covered by state continuation testedLouisiana's continuation applies to group coverage not subject to federal COBRA; the insured must have been continuously covered for at least 3 months
- Duration of state continuation coverage testedUp to 12 months
- Max premium as % of group rate testedUp to 100% of the group rate
Auto 12 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedFault-based (tort). Louisiana has no no-fault system and no mandatory PIP; fault is allocated under the Civil Code.
- Minimum bodily injury liability per person tested$15,000
- Minimum bodily injury liability per occurrence tested$30,000
- Minimum property damage liability tested$25,000
- The memorizable shorthand (e.g. 30/60/25) tested15/30/25
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMust be PROVIDED at limits equal to the bodily injury liability limits unless the named insured rejects it in writing on the Commissioner's approved form
- Underinsured motorist status testedIncluded with UM and rejectable in writing on the Commissioner's form (LA R.S. 22:1295)
- Personal injury protection status testedNo PIP — Louisiana is a tort state. Medical payments coverage is available but optional.
- Contributory / pure comparative / modified comparative negligence testedModified comparative fault — a 51% bar, as of January 1, 2026 (Acts 2025 No. 15). A claimant who is 51% or more at fault recovers nothing; below 51%, the award is reduced by the claimant's share. (For accidents BEFORE January 1, 2026, Louisiana was PURE comparative.)
- The bar percentage, if modified comparative tested51% bar (since January 1, 2026) — a claimant 51% or more at fault recovers nothing; before 2026, Louisiana was pure comparative with no bar
- Assigned risk / residual market plan for auto testedThe Louisiana Automobile Insurance Plan (assigned risk), for drivers who cannot obtain coverage voluntarily
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedLouisiana's 'No Pay, No Play' law bars an uninsured owner from recovering the first $100,000 of bodily injury and the first $100,000 of property damage (raised from $15,000/$25,000 by Acts 2025 No. 16). And the DIRECT ACTION statute lets an injured party sue the insurer directly in certain enumerated circumstances.
CE & Renewal 8 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedTwo years (a fixed biennial cycle, not tied to the birth month)
- What the renewal date keys off (flat term / birthday / birth year) testedBiennial, on a fixed cycle (not birth-month based)
- CE hours per renewal period, standard case tested24 hours of Louisiana-approved CE every two years
- CE hours if holding multiple license types (if different) testedStill 24 total — holding multiple lines does not multiply the hours
- Ethics hours required per period testedAt least 3 hours of ethics (property & casualty producers also need 3 hours of flood)
- Limits on who may provide CE credits testedA distinctive Louisiana add-on: property & casualty producers must include 3 hours of FLOOD insurance CE within the 24 — a reflection of the state's flood exposure
- What happens if CE is not completed (fine / expiry / cancellation) testedA license may not be renewed until CE is satisfied; a lapsed license may be reinstated under the statutory terms
- Any CE exemption (e.g. long-service agents) testedNonresidents are exempt from Louisiana CE if they meet their home state's CE and the home state reciprocates
Property 8 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedFILE-AND-USE ('deemed approved') — a rate filing is deemed approved unless the Commissioner objects within 30 days (the former 45-day waiting period was repealed by Acts 2025 No. 11). Rates must not be excessive, inadequate, or unfairly discriminatory.
- Is insurance credit scoring permitted in personal lines? testedPermitted but restricted: an insurer may not use income, gender, ZIP code, ethnicity, religion, marital status, or nationality, and may not decline, cancel, nonrenew, or rate SOLELY on credit without an independent factor.
- Does the state have a FAIR Plan? testedLouisiana's residual property insurer is LOUISIANA CITIZENS PROPERTY INSURANCE CORPORATION — the state-created insurer of last resort for property owners who cannot obtain coverage in the private market (Louisiana has no separate FAIR Plan)
- Name of the FAIR Plan, if any testedLouisiana Citizens Property Insurance Corporation
- Coastal windstorm pool, if any (e.g. TWIA) testedLouisiana Citizens administers the coastal/wind residual market (the former Coastal Plan), backing hurricane-prone Gulf coast property
- Dominant catastrophe perils in the state testedHurricane and flood above all — Louisiana's Gulf coast is among the most hurricane- and flood-exposed regions in the country. Homeowners policies apply a named-storm / hurricane deductible on an ANNUAL basis (not per storm) for owner-occupied 1-2 family dwellings, with a required disclosure form (LA R.S. 22:1337).
- What license you must already hold to write surplus lines testedA resident Surplus Lines applicant must already hold a property & casualty (or accident & health) license and have held it for at least two years, or have two years of insurer experience
- Is a diligent-effort search of the admitted market required first? testedYes — a diligent effort to place the risk in the admitted market first
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedLouisiana Life and Health Insurance Guaranty Association
- Life death benefit limit tested$300,000
- Life cash surrender / withdrawal value limit tested$100,000 net cash surrender value
- Annuity benefit limit tested$250,000 present value of annuity benefits
- Health benefit limit tested$500,000 for health insurance benefits — a single flat category (Louisiana does not use the tiered basic/disability/LTC sub-limits some states do)
- Aggregate per-individual cap, if any tested$500,000 aggregate per individual
- Does the state follow the standard NAIC model limits? testedYes in structure — but with a FLAT $500,000 health limit and a $500,000 aggregate, rather than the tiered health limits and $300,000 aggregate common elsewhere
- Name of the P&C guaranty association testedLouisiana Insurance Guaranty Association (LIGA)
- Per-claim cap testedCovered claims up to $500,000 per accident or occurrence. Workers' compensation claims are uncapped; unearned premium refunds are capped at $10,000. There is a small $100 threshold — the first $100 of a covered claim is not paid.
- Is using the guaranty association as a sales inducement prohibited? testedYes — using the existence of the guaranty association for a solicitation or inducement is prohibited
Workers Comp 6 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — essentially every employer with a covered employee must secure workers' compensation coverage
- Employee count at which coverage is required testedOne or more employees — Louisiana requires coverage from the first covered employee (no numeric minimum). Certain domestic, small farm, and performer employment is excepted; corporate officers, partners, and 10%+ LLC members may elect out.
- Agency administering workers' compensation testedThe Office of Workers' Compensation, within the Louisiana Workforce Commission
- Temporary total disability wage replacement rate tested66⅔% of the average weekly wage, capped at 75% of the state average weekly wage (minimum 20% of the state AWW)
- Deadline to file a claim testedGive the employer notice within 30 days of the injury; file a claim within 1 year of the accident (prescription)
- Ways an employer may comply (insure / self-insure / group) testedInsure with a licensed carrier, or qualify as an approved self-insurer
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Louisiana Department of Insurance (LDI)
- Title of the person who heads it testedCommissioner of Insurance
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedELECTED by the voters of Louisiana statewide to a four-year term — not appointed
- Where the state's insurance law is codified testedTitle 22 of the Louisiana Revised Statutes (the Insurance Code), with regulations in Title 37 of the Louisiana Administrative Code. Louisiana is a CIVIL-LAW (Napoleonic Code) state, so the Civil Code governs comparative fault and prescription.
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — a conventional Department of Insurance, but headed by an ELECTED Commissioner (and Louisiana is a civil-law jurisdiction)
Cancellation 6 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60 days — the cancellation-reason restrictions do not apply to an auto policy in effect fewer than 60 days (unless it is a renewal)
- Notice days to cancel a personal auto policy inside the initial window testedAt least 60 days' written notice to cancel auto; 10 days for nonpayment (raised to 60 days by Acts 2025 No. 182, effective July 1, 2026 — the prior figure was 30 days)
- Notice days for cancellation for nonpayment tested10 days for nonpayment of premium (auto)
- Notice days for cancellation for other permitted causes tested60 days for permitted causes (auto), effective July 1, 2026
- Notice days required for nonrenewal testedAt least 60 days' advance notice of nonrenewal for auto (raised from 20 days by Acts 2025 No. 182, effective July 1, 2026); the reason is furnished on written request
- Must the reason be stated proactively, on request, or not at all? testedThe reason for a cancellation or nonrenewal is furnished on the insured's written request (auto and homeowners)
Licensing 18 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a Life line with its own exam
- Is there a standalone health license/exam? testedYes — an Accident and Health or Sickness line with its own exam
- Is there a combined life+health license/exam? testedYes — Louisiana offers a combined Life/Accident & Health exam (as well as individual Life and Accident & Health exams)
- Is there a personal lines license/exam? testedYes — a Personal Lines line with its own exam
- Is P&C one combined license, or split into Property and Casualty? testedBoth — Louisiana licenses Property and Casualty as separate lines of authority, and PSI offers Property (Series 104) and Casualty (Series 105) as individual exams OR a COMBINED Property & Casualty exam (Series 106), plus a narrower Personal Lines line.
- Does the life license cover annuities? testedYes — annuities are sold under the Life line (Variable Life and Variable Annuity is a separate line that requires FINRA registration and has no exam)
- Does the P&C license already include personal lines authority? testedNo — Personal Lines is its own line, but holding Property and Casualty covers personal-lines risks
- Full list of exam-based agent license types testedOne Louisiana producer license listing exam-required lines (Life · Accident & Health or Sickness · Property · Casualty · Personal Lines · Bail Bonds · Title · Surplus Lines · Surety · Industrial Fire) plus no-exam lines (Credit, Travel, Variable, Limited Life/Health)
- Exam administrator (Prometric / PSI / Pearson VUE) testedPSI Services — at a physical test center
- License application fee tested$75 for the resident producer license (and $75 to add lines, or to renew every two years); a $50 late fee applies. Surplus lines is $250.
- Fee per insurer appointment tested$45 for an initial appointment; $35 to renew (yearly, by January 1)
- Passing score tested70%
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedNO — Louisiana removed its pre-licensing education requirement effective June 3, 2022. Only the PSI exam is required (a prep course is recommended but optional).
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — no pre-licensing course is required (removed effective June 3, 2022). Candidates study the PSI content outlines and sit the exam directly.
- Fingerprints, state police report, or none testedFingerprinting is REQUIRED, through IdentoGO/Idemia — but only AFTER the license application has been submitted (prints submitted before the application will not be accepted)
- Who takes the prints / issues the report testedIdentoGO/Idemia, the statewide fingerprint vendor, with results to the LDI
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com); Louisiana also uses its Industry Access portal