Holding Both Property and Casualty in Louisiana
La. R.S. 22:1546 lists Property and Casualty as separate lines of authority, and Louisiana lets you earn both from a single paper: Series 106 — Louisiana Examination for Property and Casualty Insurance, 150 questions in 160 minutes for $58. It is a separate exam with its own content outline, not a bundle of Series 104 and 105.
The arithmetic favours it clearly. Two singles cost $72 in exam fees plus a $75 amendment to put the second line on your licence — roughly $282.75 all in with fingerprints and the licence. Series 106 costs $58 and one $75 licence — roughly $193.75. About $89 saved, and one trip to a test center instead of two. With no pre-licensing coursework required on any path, nothing offsets that.
The regulator is worth a moment, because Louisiana is unusual here too. The Commissioner of Insurance is elected statewide to a four-year term under La. Const. Art. IV § 3 — not appointed by a governor. Combine that with Louisiana being the country's only civil-law jurisdiction, and you have a state whose insurance law diverges from the national pattern in both substance and governance. The Casualty guide covers the civil-law consequences on the liability side; the Property guide covers Louisiana Citizens and the catastrophe machinery.
Above this licence sits surplus lines, and Louisiana gates it hard: an existing Property & Casualty or Accident & Health credential held for two years, then a $19 exam guarding a $250 licence and a $350 renewal. The Accident & Health guide covers that path.
And note the CE consequence of holding these lines. Property and Casualty both trigger Louisiana's 3-hour flood education requirement, so your 24 hours are structured as 3 ethics, 3 flood and 18 general — where a Life & Health producer's are 3 ethics and 21 general.
Exam Options & Format
Series 106 is 150 questions in 160 minutes for $58, and that time figure matters: a three-hour number for Series 106 circulates widely, including in earlier versions of this page, and it is wrong. You have 160 minutes — just over a minute per question. No pretest or unscored items are disclosed.
The passing standard is a raw 70% — 105 of the 150. 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." Louisiana does not scale, which is unusual for a PSI state and makes your practice percentages directly comparable.
Results are immediate and diagnosed. The score appears on screen, a report is emailed, and a failing report carries a section-level breakdown. LDI receives your score from PSI within one to two days.
Retakes have no waiting period and no attempt limit — only the rule that you cannot rebook the same day. Each attempt is a fresh $58. The Personal Lines guide covers results and retakes in full.
No remote option: "Effective 7/8/24 remote testing will no longer be offered as a testing option." The Property guide reproduces the nine Louisiana test-center addresses the bulletin prints, and the Life & Health guide covers check-in, the one-ID rule and the prohibited-items list.
Most Tested Topics on the Louisiana P&C Exam
Across both halves, the Louisiana-specific questions gather around the safety net when a carrier fails, the unusual shape of the regulator, and the licence-maintenance rules — which in Louisiana carry more numbers than most states:
| Concept | The Louisiana rule |
|---|---|
| P&C safety net | Louisiana Insurance Guaranty Association (LIGA) (R.S. 22:2051 et seq.) |
| Per-occurrence cap | Covered claims up to $500,000 per accident or occurrence (R.S. 22:2058(A)(1)) |
| The workers' comp exception | Workers' compensation claims are uncapped — the $500,000 limit does not reach them |
| Unearned premium | Refunds of unearned premium are separately capped rather than paid in full |
| Regulator | The Louisiana Department of Insurance (R.S. 22:2) |
| Who heads it | A Commissioner of Insurance ELECTED statewide to a four-year term — not appointed (La. Const. Art. IV § 3) |
| Where the law lives | Title 22 of the Revised Statutes, with rules in Title 37 of the Administrative Code — in the country's only civil-law jurisdiction |
| Licence term | Two years, expiring on the last day of the birth month for individuals |
| Business entity renewal | March 31 in an even or odd year keyed to licence number — a different rule entirely |
| Continuing education | 24 hours: 3 ethics, 3 flood on these lines, 18 general (R.S. 22:1573) |
| CE carryover | Up to 10 excess general hours, and carried-over flood and ethics count only as general next period |
| Reinstatement cliff | Two years from cancellation — past that, re-take the exams (R.S. 22:1551) |
| Licence fees | $75 issue, amend and renew; $250/$350 for Surplus Lines; $50 late penalty (R.S. 22:821) |
The LIGA cap has an exception that carries more marks than the rule. Five hundred thousand dollars per accident or occurrence is the headline, and candidates memorise it and stop. Louisiana then asks about a failed workers' compensation carrier — where claims are uncapped, because the state treats an injured worker's statutory benefits as something the safety net must carry in full. Note also the third element that rounds out the picture: unearned premium refunds are separately capped, so a policyholder whose carrier fails mid-term does not get the whole unused premium back. Three different treatments in one statute — full for comp, capped at $500,000 for claims, separately capped for premium — and the exam moves between them.
The second reliable block is the pair of renewal rules, because Louisiana runs two and they are constantly conflated. An individual producer renews on the last day of their birth month. A business entity renews on March 31, in an even or odd year determined by its licence number. Those are different anchors keyed to different facts, and material that merges them — including earlier versions of this page — produces a rule that is wrong for everybody. Pair that with the elected Commissioner, which is a favourite single-line item: Louisiana's insurance regulator answers to voters on a four-year cycle, which is a structural fact with real consequences for how rate and catastrophe policy get made in a hurricane state.
Moving a License Into — or Out Of — Louisiana
Start with the negative, because it is the one that saves money elsewhere and saves none here: Louisiana grants no exam or education waiver for any professional designation. CPCU, CIC, AAI, ARM, CLU, ChFC, CFP, FLMI and LUTCF do nothing in this state. That is a checked negative, not an assumption — R.S. 22:1551 is the only exam-exemption statute in the producer licensing chapter, and its seven categories never mention designations; nor does R.S. 22:1545, nor the PSI bulletin's prerequisite section, nor LDI's application form, which splits lines into "Exam Required" and "No Exam Required" with no designation pathway. Even the CE exemptions in R.S. 22:1573 and Rule 10 are about age, tenure, nonresidency and legislative service — never credentials.
What R.S. 22:1551 does exempt, in substance: someone previously licensed in another state who is currently licensed there or applying within 90 days of cancellation in good standing; a licensed producer moving to Louisiana, for the lines previously held, if application is made within 90 days of establishing residency; re-licensure for the same lines within two years of expiry; limited life, health and accident representatives; credit insurance producers; travel insurance producers; and any other lines the Commissioner determines do not require the competency tested by examination.
Both of the first two hinge on ninety days, and it is a hard deadline. Move to Louisiana, let three months pass, and the exemption is gone — you sit Series 106 like a new candidate, at $58 and a test-center appointment. In the middle of an actual relocation that date is easy to lose, so diarise it the week you sign a lease.
Coming the other way — a nonresident licence in Louisiana. R.S. 22:1548 sets four conditions: be "currently licensed as a resident and in good standing in his home state"; submit the proper request and pay the fees; submit the application filed with the home state or a completed Uniform Application; and — the reciprocity condition — the "home state awards nonresident producer licenses to residents of this state on the same basis."
Louisiana mirrors whatever your home state does, in both directions. The statute provides that where "any limitation of rights and privileges, conditions precedent, or any other requirements are imposed upon residents of this state," the "same requirements shall be imposed upon such residents of such other state or jurisdiction." Your access to Louisiana is a reflection of your home state's treatment of Louisianans.
And the linkage is automatic, which catches people out. A nonresident must "maintain in good standing a current resident producer license in his home state," and the Louisiana licence "shall cease to be current or in good standing in this state, without further action by the commissioner," if the home-state licence does. Nobody sends you a warning; your Louisiana authority simply follows your home state down.
Two practical reliefs for nonresidents. You are not fingerprinted in Louisiana at all, and you are exempt from Louisiana CE if you satisfy your home state's requirement on a reciprocal basis. A nonresident already licensed for title in their home state is additionally exempt from the Louisiana title exam.
Renewal, the Flood Requirement, and Louisiana's Two-Year Cliff
The cycle. R.S. 22:1547 requires that "every licensed producer shall file an application for renewal of his license every two years." For an individual producer, the licence expires on the last day of the birth month. For a business entity, it is March 31 in an even or odd year keyed to licence number — a different rule for a different kind of licensee, and one of the most reliably conflated facts in Louisiana licensing.
The mechanics. Renewal is $75, filed through NIPR after CE compliance, and the renewal portal opens 90 days before expiration. A late filing costs a $50 penalty. There is also a little-known safety valve: during "the last 5 days of the month" a licensee may submit a provisional renewal through LDI's Industry Access Portal — useful if a CE credit is still posting as the deadline closes.
CE has to be done first, and that is the mechanism with teeth. LDI Rule 10 provides that "failure to fulfill the continuing education requirements prior to the filing date for license renewal shall cause the license to lapse." Not a fine — a lapse. Your requirement is 24 hours including 3 ethics and, on these lines, 3 flood. Up to 10 excess general hours carry forward, but carried-over flood and ethics credits count only as general education next period and cannot satisfy that period's subject minimums. And a course "may not be repeated for credit unless a minimum of 24 months have passed between course completions."
A new requirement lands with July 2027 renewals: a 2-hour legislative-updates component within the 24. Given how much Louisiana law has moved lately — comparative fault changing on 1 January 2026, auto cancellation notice periods on 1 July 2026, R.S. 22:1265's subsections D and E ceasing to apply to policies issued after 1 August 2024 — the requirement is well aimed.
If you lapse, the first thing to know is that CE does not go away. Rule 10: "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 time you were not licensed, not just for the current period.
And then the cliff, which is two years. LDI: "cancelled lines may be reactivated by filing an initial license application. If re-application is within two years of cancellation, the lines may be reissued" on meeting the education requirements. R.S. 22:1551 provides the statutory basis, exempting from examination an applicant for the same lines who was licensed in Louisiana "within two years from the date of expiration." Past two years, that exemption is gone and you re-take the exams — $58 for Series 106, plus a fresh application.
One relief inside the cliff: anyone reinstating within two years is also exempt from fingerprinting, so the $60.75 does not come round again. Beyond two years you are, in every practical sense, a new applicant.
What It Costs
$58 to PSI for Series 106, $60.75 to IdentoGO for fingerprints, $75 to LDI through NIPR — about $193.75 for two lines of authority, with no course cost. Against the two-singles route at roughly $282.75, the combined exam saves about $89.
Adding to it later is cheap, with one exception. Personal Lines or any other ordinary line is a $36 exam plus a $75 amendment, and no new fingerprints, because that exemption covers residents already actively licensed. Surplus Lines is the exception at $250 to add and $350 to renew — the Accident & Health guide explains who qualifies and why.
Renewal and the cost of missing it. $75 every two years, plus a $50 penalty if you file late. Let the licence go past two years from cancellation and the cost is the whole thing again: a $58 exam, a fresh $75 application, and the CE for the years you were lapsed.
Appointments, for completeness. An initial company appointment is $45 and renews at $35 yearly by 1 January; a business entity appointment is $100. Those are charged to the appointing insurer rather than to you, but they appear on agency budgets and are worth recognising. All licence fees are nonrefundable and nontransferable, and LDI states its current schedule as effective January 2026 — worth re-checking each cycle, since Louisiana fees move by statute.
Eligibility Requirements
Be at least 18, pass Series 106, 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, Pre-licensing Education, effective 20 November 2022 under Act 273 of the 2022 Regular Session. The Life guide sets out that negative in full, along with the 2013 LDI document that keeps contradicting it.
Fingerprinting comes after the application, never before — the Casualty guide walks the sequence and the exemptions, which include nonresidents, residents already licensed who are adding a line, and anyone reinstating within two years.
There is no exam-to-exam gating for the standard producer lines. You need not pass Property before Casualty, or either before the combined paper. Louisiana's only three prerequisites are Surplus Lines (a P&C or Accident & Health licence plus two years' experience), Bail Bond (a three-month apprentice programme under R.S. 22:1574) and Public Adjuster (LDI pre-approval to sit).
Nonresidents skip the exam where R.S. 22:1551 applies — see the reciprocity section above, and note the ninety-day deadlines that condition both routes.
Your CE Requirement at a Glance
Important CE details: 24 hours per two-year cycle including 3 hours of ethics AND 3 hours of flood education — 24 is the total for the licence, not per line. Up to 10 excess general hours carry over, but carried-over flood and ethics credits count only as general education in the next period and cannot satisfy that period's subject minimums. A 2-hour legislative-updates component joins the requirement with July 2027 renewals.
24 hours per two-year cycle: 3 ethics, 3 flood, 18 general — and 24 is the total for the licence, not per line of authority. Holding Property, Casualty and Personal Lines together still means 24.
The flood requirement attaches to exactly these lines. LDI's footnote reads "insurance producers with the lines of property, casualty or personal lines must include three hours of education in flood," and R.S. 22:1573 puts it in statute. Life-only and Accident & Health-only producers owe none — which is why those guides say so explicitly, and why a CE vendor quoting a universal Louisiana flood requirement is wrong.
Carryover is capped at 10 excess general hours, with the subtlety that carried-over flood and ethics credits count only as general education in the following period. You cannot bank subject hours forward, only general ones.
Exemptions worth knowing, from R.S. 22:1573 and Rule 10: producers aged 65 or over with 15 or more years as a licensed producer who are retired or working through a licensed Louisiana entity; nonresidents meeting home-state CE reciprocally; legislators, who receive full credit while serving; and first-time resident claims adjuster renewals. There is no designation-based exemption — the Division exempts by age, tenure, residency and public service, never by credential.
Verify your credits rather than trusting a provider's email. LDI's Industry Access Portal holds your transcript, and approved courses are searchable at LDI's CE reports page. The Division of Producer Licensing is on (225) 342-0860 or producerlicensing@ldi.la.gov.
No annuity or long-term care training attaches to these lines — those sit on Life and Accident & Health, covered in the Life and Accident & Health guides. Finish the hours well before the last day of your birth month: Rule 10 requires proof to reach the Commissioner "prior to the license expiration date," and the consequence of coming up short is a lapse, not a fine.
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