What the Louisiana Personal Lines Credential Covers
Personal Lines is a line of authority under La. R.S. 22:1546 covering property and casualty insurance sold to individuals and families — homeowners, personal auto, renters, dwelling fire, personal umbrella, watercraft. It spans both the property and liability sides for personal risks, and it stops at the commercial boundary.
Louisiana gives you four routes into P&C material, which is more choice than most states offer: Series 107 Personal Lines, Series 104 Property, Series 105 Casualty, or the combined Series 106 Property and Casualty. All four singles are 100 questions at $36; the combined paper is 150 questions at $58. There is no gating between them — you can take them in any order, and nothing has to be passed first.
Where Personal Lines earns its place is scope-matching. If your book genuinely is homeowners and personal auto, Series 107 tests exactly that and nothing else, and you skip the commercial general liability and commercial property material that fills out 104, 105 and 106. If commercial work is plausible within a couple of years, price the upgrade first: Series 106 later costs $58 plus a $75 amendment, and you will have paid $36 for a credential you outgrew.
Personal Lines is one of the three lines that triggers Louisiana's flood CE requirement — with Property and Casualty — so budget 3 flood hours every cycle alongside your 3 ethics hours. Given that this licence is mostly about insuring Louisiana homes, that is the most defensible CE requirement in the state.
One structural note. Do not confuse Series 107 Personal Lines Producer with Series 202 Personal Lines Adjuster — Louisiana runs both, and they are different credentials for different work.
Exam Options & Format
The Louisiana Personal Lines exam is PSI Series 107 — Louisiana Examination for Personal Lines Producer: 100 questions in 120 minutes for $36. No pretest or unscored items are disclosed in the outline or the bulletin.
The passing standard is a raw 70%. The 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." Seventy of a hundred, with no scaling and no conversion — which makes practice-test scores unusually meaningful in Louisiana, since the number on your practice exam is measured the same way the real one is.
The broader alternative is Series 106 at 150 questions in 160 minutes for $58 — and 160 minutes is the correct figure, not the three hours that circulates widely for this exam.
No remote option: "Effective 7/8/24 remote testing will no longer be offered as a testing option." Testing is in person, and unusually the Louisiana bulletin prints its nine test-center addresses — the Property guide reproduces them.
A scheduling note worth having. PSI's registration line runs Monday to Friday 6:30 am–9:00 pm and weekends 8:00 am–4:30 pm Central, and you can book, cancel or reschedule online or by phone on (855) 579-4644. The cancellation window is two days, measured by when notice reaches PSI.
Most Tested Topics on the Louisiana Personal Lines Exam
Louisiana personal lines law is shaped by hurricanes, and the legislature has responded with unusually strong protections for established homeowners. These are the rules the exam returns to:
| Concept | The Louisiana rule |
|---|---|
| The three-year rule | An insurer "shall not cancel or fail to renew a homeowner's policy … that has been in effect and renewed for more than three years" except for five enumerated reasons (R.S. 22:1265) |
| The five permitted reasons | Nonpayment of premium · fraud of the insured · a material change in the risk · two or more claims within a continuous three-year period · endangerment of the insurer's solvency |
| Act of God carve-out | Losses from forces of nature without human intervention are EXCLUDED from the claim count — hurricane claims do not burn your three-year protection |
| Reason on request | On the insured's written request made within six months, the insurer must "specify in writing the reason or reasons" for cancellation or refusal to renew |
| Initial window, auto | 60 days — the cancellation-reason restrictions do not apply to an auto policy in force fewer than 60 days, unless it is a renewal (R.S. 22:1266(B)(2)) |
| Auto cancellation notice | 60 days for a permitted cause, and 10 days for nonpayment (R.S. 22:1266(D)) |
| Auto nonrenewal notice | 60 days' advance notice — raised from 20 days by Acts 2025 No. 182, effective 1 July 2026 (R.S. 22:1266(E)) |
| Anti-stacking | Regulation 93 renders null and void any homeowners policy provision applying more than one deductible to a loss from a single incident |
| Named storm deductibles | Insurers set regional named-storm or hurricane deductibles and must itemise the premium savings in dollars on the renewal notice (Regulation 93) |
| Hurricane disclosure | A required form in bold print of at least 14-point font covering separate hurricane/wind deductibles, the effect of below-deductible claims on future premium, and flood and mould coverage (R.S. 22:1332) |
The three-year rule is the highest-value item on this exam, and the Act of God carve-out is what makes it worth real marks. After three years of continuous coverage, a Louisiana homeowners policy becomes very hard to end: five reasons, and no others. One of those five is two or more claims in a continuous three-year period — which in a hurricane state would gut the protection entirely, except that Louisiana excludes Act of God losses from the claim count. A homeowner who files for Ida and then for a later storm has not spent their two claims. That interaction — a claims trigger with a weather-shaped hole in it — is exactly the kind of thing an exam item is built around, and a candidate who learns only the five reasons will answer it wrong.
Anti-stacking is the second reliable point, and the remedy is unusually blunt. Regulation 93 does not merely limit multiple deductibles; it renders null and void any policy provision that would apply more than one deductible to a loss resulting from a single incident. One event, one deductible — and the sanction falls on the policy provision itself rather than on the insurer's conduct. Pair it with the 14-point-font disclosure at R.S. 22:1332, which is the delivery-side counterpart: Louisiana requires the deductible be explained in a specific typeface at the front of the policy, with "one standardized example of how such separate deductible will be applied." Both rules exist because named-storm deductibles are where Louisiana consumers were most often surprised.
Your Score Report, and Why Louisiana Is Forgiving About Retakes
You know before you stand up. The bulletin: "Your score will be displayed on screen at the end of the examination and a score report will be emailed to you." No waiting, no portal check the next morning. If the email does not arrive, PSI's address for missing reports is scorereport@psionline.com.
A failure comes with a genuine diagnostic, which is more than many states provide: "if you fail, the emailed score report will include the diagnostic report indicating your strengths and weaknesses." That is a section-level breakdown telling you where the attempt went, and it is the reason a Louisiana retake can be targeted rather than a blind second pass at everything.
What the score means, precisely. Louisiana uses a raw 70% — the outline says "70% Correct" and R.S. 22:1545 says "a score of at least seventy percent." Seventy of the hundred questions. This is unusual for a PSI state, most of which report a scaled score that need not correspond to the number you answered correctly, and it is worth knowing because it makes your practice-test percentages directly comparable to the real standard.
Now the part that makes Louisiana genuinely easier than most states: there is no waiting period. No seven days, no fourteen, no thirty. The only constraint is same-day processing — you "cannot make a new examination appointment on the same day you have taken an examination; this is due to processing and reporting scores." PSI spells out the practical effect: "a candidate who tests unsuccessfully on a Wednesday can call the next day, Thursday, and retest as soon as Friday, depending upon space availability." If you have read a mandatory Louisiana waiting period somewhere, that is a national template, not this state.
And there is no attempt limit either: "there is no limit to the number of times you may take an examination if you fail during that one-year period." What there is instead is cost — each attempt is a full $36, and "examination fees are not refundable or transferable." Note too that La. R.S. 22:1545 treats a no-show exactly like a failure: anyone who "fails to appear for the examination as scheduled, or fails to pass the examination, must reapply for an examination and remit all required fees and forms before being rescheduled."
The deadline that actually binds is on the other side of passing. Your score is valid one year — LDI's application form states it plainly: "Exam scores are valid for one year." Note the source: this appears on the LDI form, not in the PSI bulletin, which sets no post-exam deadline at all. A year is generous, but it is the outer wall, and LDI receives your score from PSI within one to two days, so there is nothing to chase.
Retake strategy, given all of that. Louisiana is one of the few states where the sensible move after a near-miss is to rebook immediately — the diagnostic tells you what to fix, the material is still fresh, there is no enforced cooling-off period, and the marginal cost is $36. Read the diagnostic the same day, spend two or three evenings on the weakest section, and sit it again that week. The one thing not to do is drift: a year sounds long until a stalled application and a 90-day fingerprint window are also running.
What It Costs
$36 to PSI for Series 107, $60.75 to IdentoGO for fingerprints, $75 to LDI through NIPR — about $171.75, with no course cost because Louisiana requires no pre-licensing education.
The upgrade arithmetic is the one worth doing before you book. Personal Lines now and full P&C later means $36 + $58 in exams, a $75 amendment on top of your original $75 licence, and $60.75 in prints — around $304.75 all told. Going straight to Series 106 costs $58, one $75 licence and the same $60.75, around $193.75. If there is a real chance you will need commercial authority, the broader exam is over a hundred dollars cheaper as well as broader.
What repeats: each retake is another $36, with no waiting period to slow you down. Renewal is $75 every two years, with a $50 late penalty. A no-show costs the same as a failure under R.S. 22:1545.
One cost you will not pay twice. Fingerprinting is a first-time-applicant requirement: once you hold an active Louisiana resident licence, adding a line later does not trigger it again. The Casualty guide covers the exemptions and, more importantly, the order of operations that stops you paying the $60.75 twice in the first place.
Eligibility Requirements
Be at least 18, pass Series 107, file through NIPR with the signed background-check authorization, be fingerprinted when LDI instructs, and pay $75. There is no education requirement — LDI repealed Rule 9 effective 20 November 2022.
There is no exam-to-exam gating in Louisiana for the standard producer lines. You do not have to pass Personal Lines before Property, or Property before the combined paper. The only three prerequisites in the whole catalogue are Surplus Lines (an existing P&C or Accident & Health licence plus two years' experience), Bail Bond (a three-month apprentice programme), and Public Adjuster (LDI pre-approval to sit).
Fingerprinting comes after the application, and the Casualty guide walks it through, including the exemption for residents already licensed who are adding a line.
No designation waives anything in Louisiana — CPCU, CIC, AAI and their relatives reduce neither the exam nor the CE requirement. The Property & Casualty guide covers the exam exemptions that do exist under R.S. 22:1551, all of which turn on prior licensure.
Keeping Your Louisiana Personal Lines License Active
Important CE details: 24 hours per two-year cycle including 3 hours of ethics AND — because Personal Lines is one of the three qualifying lines — 3 hours of flood education. Up to 10 excess general hours carry over, but carried-over flood and ethics credits count only as general education in the next period.
Two years, renewed on the last day of your birth month for $75 through NIPR, with the portal opening 90 days before expiration and a $50 penalty if you file late. The March 31 rule keyed to licence number is the business entity rule, not the individual one.
24 hours per cycle: 3 ethics, 3 flood, 18 general. Personal Lines is one of the three lines that triggers the flood requirement, alongside Property and Casualty. Given that this licence is largely about insuring Louisiana homes against water, the three hours are the most obviously earned CE requirement in the state — and the Property guide explains the disclosure statute they support.
Carryover is capped at 10 excess general hours, and carried-over flood and ethics credits count only as general education in the next period, so they cannot satisfy the next cycle's subject minimums. A course "may not be repeated for credit unless a minimum of 24 months have passed between course completions."
Coming with July 2027 renewals: a 2-hour legislative-updates component joins the 24. Louisiana personal lines law has moved a great deal recently — the auto cancellation and nonrenewal notice periods changed effective 1 July 2026, and R.S. 22:1265's subsections D and E stopped applying to policies issued after 1 August 2024 — so a standing legislative-update requirement is well aimed.
Miss the CE and the licence lapses under LDI Rule 10, reinstatable only after completing every hour that would have applied had it continued uninterrupted. Past two years from cancellation you re-take the exams. The Property & Casualty guide sets out that ladder in full.
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