Louisiana Life & Health Insurance License Exam Overview
The Louisiana Life & Health Insurance License Exam is administered by PSI Exams on behalf of the Louisiana Department of Insurance (LDI). Louisiana offers unique opportunities in the insurance market with Medicaid expansion, a diverse economy spanning oil, tourism, and healthcare, and a rebuilt New Orleans market post-Hurricane Katrina.
Important 2022 Update: Effective June 3, 2022, Louisiana no longer has a formal pre-licensing education requirement. However, pre-licensing courses are still highly recommended as they prepare you for the state licensing examination.
Exam Format at a Glance
| Component | Details |
|---|---|
| Life Insurance Exam | 100 questions / 2 hours |
| Health Insurance Exam | 100 questions / 2 hours |
| Combined L&H Exam | 150 questions / 3 hours |
| Passing Score | 70% |
| Testing Vendor | PSI Exams |
| Exam Fee | $38 |
| Pre-licensing Education | Not formally required (recommended) |
Why Get Licensed in Louisiana?
- Medicaid expansion state - Large Healthy Louisiana covered population
- Diverse economy - Oil & gas, tourism, healthcare, shipping
- Rebuilding New Orleans - Growing healthcare and insurance sector
- Disaster awareness - High demand for comprehensive coverage
- Low exam fees - Only $38 for the licensing exam
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Our comprehensive, completely free Louisiana Life & Health exam prep covers everything you need to pass the LDI licensing exam.
Key Topics Covered on the Exam
1. Life Insurance (30%)
Products You Must Know:
- Term Life (renewable, convertible, decreasing)
- Whole Life (ordinary, limited pay, single premium)
- Universal Life (fixed, indexed, variable)
- Variable Life Products
- Group Life Insurance
- Credit Life Insurance
Louisiana-Specific Provisions:
| Provision | Louisiana Requirement |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Suicide Exclusion | 2 years |
| Free Look Period | 10 days |
| Misstatement of Age | Adjustment of benefits |
2. Health Insurance (30%)
Major Coverage Types:
- Major medical insurance
- Disability income insurance
- Long-term care insurance
- Medicare supplement insurance
- Group health plans
Louisiana Health Programs:
| Program | Description |
|---|---|
| Healthcare.gov | Federal marketplace for ACA plans |
| Healthy Louisiana | Medicaid managed care program |
| LaCHIP | Louisiana Children's Health Insurance Program |
| Louisiana Medicaid | Covers 1.5+ million residents |
Healthy Louisiana Details: Healthy Louisiana is the state's Medicaid managed care program, serving over 1.5 million residents. As of 2026, five managed care organizations participate: Aetna Better Health, AmeriHealth Caritas Louisiana, Healthy Blue, Humana, and Louisiana Healthcare Connections. Note that UnitedHealthcare's contract ended December 31, 2025.
LaCHIP Eligibility: Children up to age 19 in families earning up to 213% of the Federal Poverty Level (approximately $33,376 annually for single-parent households in 2026) qualify for LaCHIP. There is no asset test for children's coverage.
3. Annuities (15%)
Louisiana producers must understand:
- Fixed annuities
- Variable annuities (requires securities license)
- Indexed annuities
- Suitability requirements
- Surrender charges and penalties
- Louisiana senior protection rules
4. Louisiana Insurance Regulations (20%)
Key Louisiana Statutes:
- Louisiana Revised Statutes Title 22 - Insurance Code
- Louisiana Department of Insurance authority
- Producer licensing requirements
- Unfair trade practices
- Claims procedures
Agent Requirements:
| Requirement | Louisiana Standard |
|---|---|
| Pre-licensing | Not formally required (recommended) |
| Background Check | Fingerprinting required |
| Fingerprint Fee | $39.25 |
| CE Requirement | 24 hours/2 years |
| Ethics CE | 3 hours required |
5. Ethics and General Insurance (5%)
- Agent duties and responsibilities
- Handling client funds
- Policy delivery requirements
- Complaint procedures
- Fiduciary responsibilities
Louisiana Fingerprinting and Background Check
Louisiana requires fingerprinting and background checks with your insurance agent licensing application. The fingerprint images are transmitted to the Louisiana State Police and the FBI who return the results directly to the Department of Insurance.
The fingerprint-based background check fee is $39.25.
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Life insurance products | 12-15 |
| Week 2-3 | Health insurance coverage | 12-15 |
| Week 3-4 | Annuities and suitability | 10-12 |
| Week 4-5 | Louisiana statutes and regulations | 10-12 |
| Week 5-6 | Practice exams and review | 12-15 |
Total recommended study time: 55-70 hours
Although pre-licensing is not required, many candidates still complete a pre-licensing course for structured preparation.
Free Practice Questions Available
Practice with hundreds of free questions designed for the Louisiana Life & Health exam.
Louisiana-Specific Exam Tips
1. Master Louisiana Insurance Code Title 22
Know these key provisions:
- Producer licensing requirements
- Policy provisions and forms
- Unfair claims practices
- Replacement regulations
2. Know These Louisiana Numbers
| Topic | Louisiana Requirement |
|---|---|
| Free look period | 10 days |
| Grace period | 31 days |
| Incontestability | 2 years |
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years |
| Ethics CE | 3 hours |
| Background check fee | $39.25 |
| Exam fee | $38 |
3. Understand Healthy Louisiana
Louisiana Medicaid is delivered through Healthy Louisiana managed care. Know:
- The five current MCO options
- Eligibility requirements
- LaCHIP integration
- Medicaid expansion coverage
Common Mistakes to Avoid
- Skipping study because pre-license is not required - The exam is challenging
- Ignoring Louisiana-specific statutes - About 20% of your exam
- Underestimating annuity questions - Suitability requirements are heavily tested
- Confusing Healthy Louisiana with other state programs - Know Louisiana specifics
- Forgetting fingerprinting - Required before license issuance
Continuing Education Requirements
After obtaining your Louisiana license, you must complete continuing education:
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3 hours required |
| Renewal Cycle | Based on birth month (odd/even years) |
| Carryover | Up to 10 hours allowed |
Special Training Requirements:
- Long-Term Care (Initial): 8-hour NAIC course required
- Long-Term Care (Ongoing): 4-hour follow-up course each renewal period
- Annuity Suitability: Training may be required based on product sales
Exemptions Available:
- Newly licensed agents (first reporting period)
- Age 65+ producers meeting certain criteria
- Limited line license holders
- Military service waivers
After Passing Your Exam
- Complete fingerprinting through PSI ($39.25)
- Apply through NIPR (National Insurance Producer Registry)
- Pay application fee - $75 plus $5.60 transaction fee
- Receive license - Usually 5-10 business days after approval
- Complete appointments with insurance carriers
2026 Louisiana Updates
For 2026, be aware of:
- UnitedHealthcare contract ended December 31, 2025 (members reassigned)
- Five remaining Medicaid MCOs: Aetna, AmeriHealth, Healthy Blue, Humana, Louisiana Healthcare Connections
- Potential work requirements coming in 2027 for certain Medicaid recipients
- Six-month eligibility checks starting December 2026
Start Your Louisiana Insurance Career Today
Louisiana's diverse economy and Medicaid expansion create excellent opportunities for insurance professionals. Pass your exam on the first try with our free prep.
Our free study materials include:
- Complete topic coverage for Louisiana Life & Health exam
- Practice questions with detailed explanations
- Louisiana statute summaries
- Healthy Louisiana and LaCHIP coverage
- AI-powered study assistance
Get licensed faster with 100% FREE prep materials.
Contact Information
Louisiana Department of Insurance 1702 N. Third Street Baton Rouge, LA 70802 Phone: (225) 342-0860 Website: ldi.la.gov
PSI Exams Phone: (855) 235-5174 Website: psiexams.com
Division of Producer Licensing Phone: (225) 342-0860 Fax: (225) 342-3754 Email: producerlicensing@ldi.la.gov
How to Use This Guide Without Missing State-Specific Details
Treat this article as your working roadmap, then verify the administrative details against official sources before you schedule. Insurance licensing changes are usually small, but small changes matter on exam day: a vendor switch, new fingerprinting workflow, revised candidate handbook, or updated application checklist can delay a license even when you know the content. Start with your state insurance department, then confirm the testing vendor account, then check the National Insurance Producer Registry licensing flow if your state uses it. The NAIC state insurance department directory is a practical starting point when you need the current regulator website, and NIPR state requirements can help you verify application steps after the exam.
For the content itself, separate national insurance knowledge from Louisiana-specific law. National life and health questions test concepts that transfer across states: contract parties, insurable interest, beneficiary designations, policy riders, annuity phases, health policy renewability, disability income definitions, Medicare supplement basics, group health coordination, and unfair trade practices. The state section asks how those ideas are administered in Louisiana. When a question includes a number, deadline, appointment step, replacement notice, continuing education rule, or regulator power, slow down and decide whether it is a national default or a Louisiana rule.
A Practical Study Workflow for the Final Two Weeks
Use the last two weeks to convert recognition into decision speed. On day one, take a mixed diagnostic in /study-guides/la-life-health and tag every missed question by reason: did you miss a definition, confuse two similar products, overlook a state rule, or run out of time? Definitions need flashcards. Similar products need comparison tables. State rules need a short checklist. Timing mistakes need practice blocks with a visible clock.
During the first week, work in focused sets. Do life insurance one day, health insurance the next, annuities after that, and Louisiana law at least every other session. Do not wait until the end to study regulations. Many candidates know term versus whole life but lose points on replacement, advertising, producer authority, unfair claims practices, or what must happen before a license is issued. After each set, rewrite the explanation in your own words. If you cannot explain why the wrong answer is wrong, you have not finished the question.
During the second week, switch to exam simulation. Use full mixed quizzes, then spend more time reviewing than answering. For life insurance, drill policy provisions, riders, beneficiary changes, settlement options, nonforfeiture options, and taxation at a high level. For health insurance, drill renewability, exclusions, disability definitions, long-term care, Medicare supplement rules, group versus individual contracts, and coordination of benefits. For annuities, make sure you can distinguish accumulation from annuitization, fixed from variable, immediate from deferred, and suitability from general sales preference.
Common Life and Health Traps
A common trap is answering from everyday sales language instead of policy language. "Cash value," "premium," "benefit," "owner," "insured," and "beneficiary" have precise exam meanings. Another trap is treating Medicare, Medicare Advantage, Medicare Supplement, and Medicaid as interchangeable. They are different programs or products, and exam questions often reward the candidate who notices which one is actually named.
Replacement questions deserve special attention. The exam may ask what must be disclosed, when notices are required, how existing coverage should be treated, or why twisting is prohibited. Do not memorize replacement as simply "bad." Replacement can be legitimate, but it becomes a compliance issue when comparison, disclosure, or suitability duties are ignored.
Health questions also use similar-sounding renewability terms. Noncancelable, guaranteed renewable, conditionally renewable, optionally renewable, and cancelable policies allocate power differently between insurer and insured. Build a one-page table and practice from both directions: given the term, state the rule; given the rule, name the term.
Exam-Day Checklist
Before test day, confirm your appointment time, approved identification, remote-proctoring rules if applicable, calculator policy, and reschedule deadline from the testing vendor. Use the exact legal name from your licensing and exam records. If your ID and registration do not match, content knowledge will not help at check-in.
On the exam, answer the direct question first before reading extra meaning into the facts. Insurance exams often include plausible distractors that are true statements but do not answer the question asked. Mark long calculation or scenario questions and come back after securing the easier definition and rule points. If you are stuck between two options, identify which answer is broader, which is more specific, and whether the question asks for an exception. Exceptions are where many state-law points hide.
If You Do Not Pass on the First Attempt
A failed attempt is useful data if you treat the score report correctly. Do not simply reread the same chapter. Sort weak areas into national product knowledge, Louisiana law, and test-taking process. For product knowledge, rebuild comparison charts. For state law, verify the current rule from official regulator materials and then practice short recall prompts. For process issues, take timed sets and force yourself to explain why each wrong answer was attractive.
Schedule the next attempt only after your weakest two categories have improved in practice. A good target is not just a passing average; it is consistency. When you can pass several mixed sets in a row without relying on memorized question wording, you are closer to exam readiness.
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