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: 126 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 August 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. For an INDIVIDUAL producer the licence expires on the LAST DAY OF THE BIRTH MONTH. Business entities are different — March 31 in an even or odd year keyed to LICENCE NUMBER — and the two rules are frequently conflated. (An earlier version of this leaf said the term was 'not tied to the birth month'; that was wrong for individuals.)
- What the renewal date keys off (flat term / birthday / birth year) testedBiennial, anchored to the licensee's BIRTH MONTH for individuals — expiring on the last day of that month. Business entities renew March 31 in an even or odd year determined by licence number; portable electronics entities on December 31 in odd years. The renewal portal opens 90 days before expiration, the fee is $75, and a late filing carries a $50 penalty.
- 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 43 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 LLC, at a physical test center only. Current candidate bulletin: PSI bulletin ID 4080, 'Updated 1/1/2025' (the bulletin carries no document number of its own). REMOTE TESTING WAS DISCONTINUED: 'Effective 7/8/24 remote testing will no longer be offered as a testing option.' Schedule at test-takers.psiexams.com/ladi or (855) 579-4644. NOTE: LDI still hosts a May 2013 producer guide naming PROMETRIC — that document is obsolete in every respect.
- 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 testedA RAW 70% — not a scaled score, which is unusual for a PSI state. Every Louisiana content outline prints 'Minimum Passing Score … 70% Correct', and La. R.S. 22:1545 enacts it: 'The applicant shall pass the examination if he achieves a score of at least seventy percent.' So 70 of 100 on a single-line exam and 105 of 150 on a combined one. Do not write 'scaled score of 70'.
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedNO — and the repeal instrument is documented. LDI repealed Rule 9, Pre-licensing Education (LAC 37:XI Chapter 5), effective NOVEMBER 20, 2022, stating it was 'repealing Rule 9 as required by Act 273 of the 2022 Regular Legislative Session'. The PSI bulletin agrees: 'There are no prelicensing requirements for all examinations except Public Adjuster and Bail Bond.' Zero hours for every standard producer line.
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone for Life, Health, Life & Health, Property, Casualty, P&C, Personal Lines, Title, Surplus Lines, Surety or Industrial Fire. TWO EXCEPTIONS: Bail Bond requires a three-month apprentice programme (R.S. 22:1574) — three consecutive months at no less than 24 hours per week, registered at least 10 days before starting, including 8 hours of instruction, and terminated automatically if not completed within six months; and Public Adjuster requires LDI pre-approval to sit. Title has an education CREDENTIAL requirement (high school diploma or postsecondary certificate) rather than PLE hours.
- Fingerprints, state police report, or none testedFingerprinting is REQUIRED for all first-time individual resident applicants (producer, claims adjuster, public adjuster, navigator, insurance consultant) — and the ORDER OF OPERATIONS runs backwards from most states. Pass the exam, file through NIPR WITH the signed Background Check Authorization Form, wait for LDI to email scheduling instructions, THEN get printed. LDI: 'Fingerprints submitted prior to the submission of a license application AND a background check authorization form will not be accepted or reviewed', and 'Do not fingerprint before receiving these instructions.' EXEMPT: nonresidents; residents already actively licensed who are adding a licence type or line of authority; anyone reinstating within two years of lapse; amendments.
- Who takes the prints / issues the report testedIdentoGO by IDEMIA (Livescan). Universal service code 27N339 — it is NOT issued per applicant; the same code identifies every LDI fingerprint applicant across all five licence types. Schedule at uenroll.identogo.com or 1-844-539-5543; bring one valid non-expired photo ID; $60.75 payable at the appointment by card, check or money order. Results reach LDI in 7–10 days and are valid 90 days. STALE DOC WARNING: PSI's internal spec sheet 'LA Insurance.pdf' (modified 4 January 2021) says prints are captured by a PSI proctor at a PSI test center — that is obsolete.
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com) only. The PSI bulletin: 'A license application must be filed through the National Insurance Producer Registry (NIPR) at www.nipr.com.' LDI's own Industry Access Portal (ia.ldi.state.la.us/IndustryAccess) handles CE transcripts, licence lookup and provisional renewal — not initial applications. SIRCON is named by NO Louisiana primary source (not LDI's 02/2026 application form, not LDI's licensing pages, not the PSI bulletin) — do not publish it as an application route.
- Exam series, length and fee by line tested101 Life 100 q / 120 min / $36 · 102 Health and Accident or Sickness 100 / 120 / $36 · 103 Life, Health and Accident or Sickness 150 / 160 min / $58 · 104 Property 100 / 120 / $36 · 105 Casualty 100 / 120 / $36 · 106 Property and Casualty 150 / 160 min / $58 · 107 Personal Lines 100 / 120 / $36. Also 108 Bail Bond, 109 Surety, 110 Industrial Fire, 111 Title, 112 Surplus Lines — each 50 q / 60 min / $19. NOTE: BOTH combined exams run 160 MINUTES, not three hours; a three-hour figure for Series 106 circulates widely and is wrong.
- Pretest or unscored questions testedNONE DISCLOSED. No Louisiana content outline and no part of the bulletin discloses pretest, experimental or unscored items, and both the outlines and R.S. 22:1545 express the standard as 70% of the exam. Publish as 'no pretest items are disclosed' rather than asserting zero — PSI never affirmatively states there are none.
- Are combined exams offered? testedYES, and they are SEPARATE longer exams rather than bundles: Series 103 (Life, Health and Accident or Sickness) and Series 106 (Property and Casualty), each 150 questions in 160 minutes for $58, each with its own content outline. Standalone Property (104) and Casualty (105) exist alongside, so Louisiana offers both routes — unlike states that force one or the other.
- Exam prerequisites and gating testedOnly THREE exist. (1) SURPLUS LINES (112): 'Must also be currently licensed as a Property and Casualty or Health and Accident or Sickness producer with two years' experience' — note that an ACCIDENT & HEALTH licence qualifies, not only P&C. (2) BAIL BOND (108): a three-month apprentice programme and a filed Apprentice Program Affidavit. (3) PUBLIC ADJUSTER (301, not a producer line): LDI pre-approval to sit. There is NO requirement to pass Life before Health, Property before Casualty, or any single line before a combined exam.
- Retake waiting period and attempt limit testedNO mandatory waiting period and NO attempt limit. The bulletin: 'There is no limit to the number of times you may take an examination if you fail during that one-year period', and 'It is not possible to make a new examination appointment on the same day you have taken an examination; this is due to processing and reporting scores' — PSI illustrates that a candidate failing on a Wednesday 'can call the next day, Thursday, and retest as soon as Friday'. Each attempt costs the full fee; fees are 'not refundable or transferable'. R.S. 22:1545 treats a NO-SHOW exactly like a failure: reapply and remit all fees and forms before rescheduling.
- How long a passing score stays valid testedONE YEAR. LDI's Application for Individual Insurance Producer (rev. 02/2026): 'Exam scores are valid for one year.' Note the source — the PSI bulletin sets NO post-exam application deadline; the LDI form is the controlling instrument. LDI receives scores from PSI within one to two days.
- How results are reported tested'Your score will be displayed on screen at the end of the examination and a score report will be emailed to you.' A failing candidate gets diagnostics: 'if you fail, the emailed score report will include the diagnostic report indicating your strengths and weaknesses.' Missing reports: scorereport@psionline.com.
- Deadline to complete the application package testedCONFLICTING PRIMARY SOURCES — report both. LDI's application form (rev. 02/2026): 'Application packages must be complete within 90 days of submission.' NIPR's Louisiana Resident Licensing page: all required documentation must be received 'within thirty (30) days of application submission, or the application will be declined.' Publish the conservative 30 days and cite both; do not silently pick one. Fingerprint results are separately valid only 90 days.
- Louisiana test centers testedNINE, and unusually the candidate bulletin PRINTS their addresses rather than routing to a lookup tool: Baton Rouge (10099 N. Reiger Rd; and Kocch Testing Centers, 6160 Perkins Rd Ste 133) · Lafayette (Acadian Aviation Testing Center, 123 Grissom Rd) · Sulphur (Safety Council of SW Louisiana, 3621 E. Napoleon St) · Metairie (2750 Lake Villa Dr, NY II Bldg Ste 202) · Monroe (Univ. of Louisiana, 401 Bayou Dr, Stubbs Hall Rm 206) · Pineville (Flightline Air Service, 200 Lake Buhlow Rd) · Shreveport (910 Pierremont Rd Ste 216; and National Safety Council ArkLaTex, 8100 Kingston Rd Ste 107). Out-of-state PSI sites available by calling (855) 579-4644. Re-check against the bulletin each build.
- Identification and exam-day rules testedONE (1) form of valid, non-expired, signature-bearing identification — NOT two. Accepted: state driver's licence, LA WALLET DIGITAL ID, state ID card, U.S. passport, military ID, alien registration card, Canadian government-issued ID. 'The first and last name must match exactly with your current, valid, government-issued ID.' Arrive 30 minutes early. Cancel or reschedule — online OR by phone — with notice RECEIVED 2 days before the exam date. Prohibited: reference materials, electronic devices of any type, hats or headgear not worn for religious reasons, bulky or loose clothing, backpacks, briefcases, chewing gum, drinks, food. STALE DOC: PSI's 2021 spec sheet says TWO IDs; the current bulletin says one.
- Do professional designations waive anything? testedNO — Louisiana grants ZERO designation waivers. CLU, ChFC, CPCU, FLMI, CIC, AAI, CFP, LUTCF and ARM waive neither the examination nor any education requirement. Confirmed negative across five primary sources: R.S. 22:1551 (the only exam-exemption statute — seven categories, none about designations), R.S. 22:1545, the PSI bulletin's prerequisite section, LDI's application form (which splits lines into 'Exam Required'/'No Exam Required' with no designation pathway), and the CE rules at R.S. 22:1573 and Rule 10, whose exemptions are age, tenure, nonresidency and legislative service.
- Exemptions from examination testedSeven categories under R.S. 22:1551: (1) previously licensed in another state — currently licensed there, or within 90 DAYS of cancellation, in good standing; (2) a licensed producer MOVING to Louisiana, within 90 DAYS of establishing residency, for lines previously held; (3) re-licensure for the same lines within TWO YEARS of expiration; (4) limited life, health and accident representatives; (5) credit insurance producers; (6) travel insurance producers; (7) any other lines the commissioner determines do not require the competency tested by examination. Both 90-day windows are hard deadlines.
- Nonresident licensing and reciprocity testedR.S. 22:1548 sets four conditions: currently licensed as a resident and in good standing in the home state; submit the proper request and fees; submit the home-state application or a completed Uniform Application; and the home state must award nonresident licences to Louisiana residents on the same basis. Reciprocity is mirrored in both directions — limitations imposed on Louisianans are imposed back. AUTOMATIC LINKAGE: the Louisiana nonresident licence 'shall cease to be current or in good standing in this state, without further action by the commissioner' if the home-state resident licence does. Nonresidents are NOT fingerprinted and are CE-exempt if meeting home-state CE reciprocally.
- Temporary producer licence testedAvailable. R.S. 22:1553: the commissioner may issue a temporary licence 'for a period not to exceed one hundred eighty days without requiring an examination'. Qualifying: surviving family or representative of a DECEASED producer; representative of a DISABLED producer; members or employees of a business entity where the designated individual dies or becomes disabled; the designee of a producer entering MILITARY service; and any case the commissioner deems in the public interest. Conditions: the commissioner may limit the scope of authority, require a licensed producer or sponsoring insurer to assume responsibility, and revoke if insureds or the public are endangered; the licence TERMINATES when the business is disposed of. This is a BUSINESS-CONTINUITY licence, not a work-while-you-study permit. No fee is published.
- Licence fees tested$75 producer initial, amendment (add a line) and biennial renewal. SURPLUS LINES is the exception: $250 initial and amendment, $350 renewal — by far the most expensive producer credential. Late renewal penalty $50 (public adjusters $150). Portable electronics renewal $200. Company appointment: $45 initial, $35 renewal yearly by 1 January for individuals; $100 for business entities (renewing yearly by 1 August). All licence fees are nonrefundable and nontransferable. LDI states its schedule as effective January 2026.
- Lapse and reinstatement — the two-year cliff testedLDI Rule 10: 'Failure to fulfill the continuing education requirements prior to the filing date for license renewal shall cause the license to lapse,' and 'a license which has lapsed may not be reinstated until the licensee has complied with all continuing education requirements which would have applied had the license continued uninterrupted' — you owe the hours for the lapsed period too. THE CLIFF IS TWO YEARS: within two years of cancellation the lines may be reissued on an initial application once education requirements are met (R.S. 22:1551 exempts re-licensure for the same lines within two years of expiration); BEYOND two years you re-take the exams. Reinstating within two years also exempts you from fingerprinting.
- Is the 3-hour flood CE requirement universal? testedNO — it is CONDITIONAL and this is the most commonly botched Louisiana CE fact. LDI's footnote: 'Insurance producers with the lines of property, casualty or personal lines must include three hours of education in flood.' A Life-only or Accident & Health-only producer owes NO flood hours. R.S. 22:1573 agrees: 24 hours with 3 ethics for Life/A&H, and 24 with 3 ethics PLUS 3 flood for Property/Casualty. The doctrinal reason is R.S. 22:1332, which requires a 14-point-font homeowners disclosure stating whether flood coverage exists and that NFIP cover is available.
- CE carryover rules testedA maximum of 10 excess GENERAL hours carry to the next renewal period, for producers holding life/health/property/casualty lines. Carried-over FLOOD and ETHICS credits count only as general education in the next period and CANNOT satisfy that period's minimum subject requirements — so subject hours cannot be banked forward. No carryover at all for bail, title or adjusters. A course 'may not be repeated for credit unless a minimum of 24 months have passed between course completions.'
- Upcoming 2-hour legislative updates requirement testedA NEW 2-hour 'legislative updates in insurance law' component joins the 24-hour requirement beginning with JULY 2027 RENEWALS, for producers, consultants and adjusters. Forward-dated — flag as upcoming, not current. Plan the 2027 cycle as 3 ethics + 2 legislative + (3 flood if P/C/PL) + the balance general.
- Annuity training requirement testedA ONE-TIME 4-hour training course for individual producers selling annuities. Louisiana adopted the NAIC best-interest enhancements 'in accordance with the current version of NAIC Suitability in Annuity Transactions Model Regulation', effective 20 SEPTEMBER 2024 (Regulation 89). Producers newly licensed for Life authority on or after that date must complete best-interest training BEFORE selling annuity products; those trained earlier had until 20 March 2025 via either a new 4-hour course or a 1-hour supplement. RECIPROCAL: 'If a producer has already completed annuity training to meet the best interest standards for any state, that producer has satisfied the best interest training requirement for Louisiana.' Applies to resident and nonresident producers and all annuity types.
- Long-term care training requirement tested8 hours initial (one-time), then 'no less than four hours of training every two years (every renewal period)'. R.S. 22:1575: 'an individual producer may not sell, solicit or negotiate long-term care insurance unless the individual has complied with the long-term care training requirements.' INSURERS bear responsibility for monitoring producer compliance. Unlike the annuity course, LTC courses approved for CE credit may ALSO count toward renewal hours.
- Pet insurance training requirement testedLDI maintains a pet insurance training requirement, listed alongside the annuity and long-term care requirements on its Education menu. The requirement's EXISTENCE is confirmed; its hour count was NOT read. Do not publish a number without checking LDI's page. Louisiana-specific — a national template will miss it entirely.
- Lines requiring no examination testedVariable Life & Variable Annuity, Credit, Limited Life/Health/Accident, and Travel — LDI's application form splits producer lines into 'Exam Required' and 'No Exam Required', and R.S. 22:1551 statutorily exempts limited life/health/accident, credit and travel producers. NOTE: Variable Life & Variable Annuity requires no STATE exam but does require FINRA securities registration to sell — the gate there is federal, not state.
- Producer lines almost unique to Louisiana testedINDUSTRIAL FIRE (Series 110) and SURETY (Series 109) are stand-alone Louisiana producer lines, each with a 50-question, 60-minute, $19 exam. Almost no other state issues an 'Industrial Fire' producer line. A national template will omit both. R.S. 22:1546 enumerates fifteen lines in total: Life · Accident and Health or Sickness · Variable Life and Variable Annuity · Property · Casualty · Personal Lines · Title · Credit · Travel · Limited Life/Health/Accident · Industrial Fire · Surety · Bail Bonds · Surplus Lines · any other line permitted by law.
- Louisiana as a civil-law jurisdiction testedLouisiana is the only U.S. civil-law state, and it is operative in the insurance code rather than merely historical. The Direct Action Statute (R.S. 22:1269) references Louisiana Civil Code articles 2315.1 and 2315.2 for survival and wrongful death rather than common-law doctrine. The statutes speak of 'offense or quasi-offense' (delict) where a common-law state says tort. Deadlines are PRESCRIPTION, not statutes of limitation — which is why the workers' compensation claim period is stated as one year of prescription. And Louisiana uses PARISHES, not counties, which is operative: Louisiana Citizens' rate formula is computed per parish under R.S. 22:2303.