Louisiana Life & Health Insurance License Exam Overview
The Louisiana Life & Health Insurance License Exam is administered by PSI on behalf of the Louisiana Department of Insurance (LDI). Louisiana offers unique opportunities with its diverse economy and Medicaid expansion.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 150 multiple-choice |
| Time Limit | 3 hours |
| Passing Score | 70% (105 correct answers) |
| Testing Vendor | PSI |
| Exam Fee | $53 |
| Pre-licensing Education | 40 hours required |
Why Get Licensed in Louisiana?
- Diverse economy — Oil, tourism, healthcare
- Medicaid expansion — Large covered population
- Growing New Orleans — Rebuilt healthcare sector
- Unique market — Storm/disaster insurance awareness
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Key Topics Covered on the Exam
Life Insurance (30%)
| Feature | Louisiana Standard |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Free Look | 10 days |
Health Insurance (30%)
- Healthcare.gov (federal marketplace)
- Louisiana Medicaid (Healthy Louisiana)
- LaCHIP (children's program)
Louisiana Insurance Regulations (15%)
- Louisiana Revised Statutes Title 22
- LDI authority
- Producer licensing
| Topic | Louisiana Requirement |
|---|---|
| Pre-licensing | 40 hours required |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
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