PSI runs the exam, and there is no pre-licensing requirement
Louisiana contracts exam delivery to PSI, so you study from the PSI Louisiana Candidate Information Bulletin and register through PSI's site. The Louisiana Department of Insurance (LDI) sets the rules and issues the license.
Two things make Louisiana stand out. First, Louisiana does not require pre-licensing education for producer exams - you can register and test whenever you are ready. Second, as of July 8, 2024, remote testing is no longer offered; every exam is taken in person at a PSI test center.
Fingerprinting through IdentoGO/Idemia
Louisiana requires a fingerprint-based state and federal background check, handled by IdentoGO/Idemia. Schedule a Livescan appointment, use LDI service code 27N339, and pay the $60.75 fee at the appointment. Results reach LDI through Louisiana State Police, typically within about three days.
Order matters here: you must submit your license application before you get fingerprinted - prints submitted ahead of the application are not accepted. Fingerprinting is also not required when an already-licensed resident producer simply adds a line of authority.
Register with PSI and take the Life & Health exam
Register and pay online at PSI's Louisiana site (or by phone). The standard Life & Health path is the combined Series 103 exam - 150 questions, 160 minutes, $58, with a 70% passing score. Louisiana also offers separate single-line exams (Series 101 Life and Series 102 Health, $36 each) if you prefer to qualify one line at a time.
Arrive 30 minutes early with valid government-issued photo ID whose name matches your registration exactly. A handful of unscored experimental questions (5 to 10) are mixed in and do count against your time. Your score appears on screen at the end and is emailed to you; a failed attempt comes with a diagnostic report, and you can retake as many times as needed within the one-year period (a new fee each time).
Submit the license application through NIPR
File your resident producer application electronically through NIPR. The state fee is $75 per line of authority, so a two-line license such as Life & Health runs $150 in application fees.
Report any change of name, address, or application information to LDI within 30 days - Louisiana fines late changes.
Continuing education and renewal
Resident producers complete 24 hours of approved continuing education every two-year period, including 3 hours of ethics. Up to 10 unused hours carry over to the next cycle as general credit, and you cannot repeat the same course for credit within a two-year window.
Licenses renew on the last day of your birth month every two years. Whether you renew in an even or odd year is set by your license number - even-numbered licenses renew in even years, odd in odd years.
What the Series 103 exam covers
The combined exam blends national content with Louisiana law. Expect life insurance basics, policy types, provisions and riders (the single largest product area at about 13%), annuities, and the full health side - individual and group health provisions, disability income, medical plans, and senior products like Medicare and long-term care.
Roughly a quarter of the exam is Louisiana regulation and a thin slice is federal law (Fair Credit Reporting Act, the 18 USC 1033/1034 fraud statutes, Gramm-Leach-Bliley, the Affordable Care Act). The Louisiana-specific material - guaranty association disclosure, advertising, illustrations, and replacement - is where generic study guides fall short.
Quick Reference
Official Links
Don't study generic. Study Louisiana.
You've got the roadmap. Now get the Louisiana-specific Life & Health question bank, mock exams, and video course built by instructors with 20+ years teaching this material.