Louisiana Life & Health Insurance Exam 2026

Welcome to your FREE Louisiana Life & Health Insurance exam preparation guide. This comprehensive study resource covers Louisiana-specific insurance laws, regulations, and requirements you need to pass your state licensing exam.

Note: This guide covers Louisiana state-specific content. You should also study national Life & Health insurance concepts, as the majority of the exam tests general insurance knowledge.

Why Get Licensed in Louisiana?

Louisiana offers unique opportunities for insurance professionals:

• No Pre-License Education: Since June 2022, no formal education required before the exam
• Affordable Entry: Low exam fees ($30-$53)
• Diverse Economy: Oil & gas, agriculture, tourism, and maritime industries
• Unique Cultural Market: Cajun and Creole communities have specific insurance needs
• Hurricane-Prone Region: High awareness of insurance importance
• Growing Healthcare Sector: Medical facilities and professionals need coverage
• Business Hub: New Orleans and Baton Rouge offer commercial opportunities

What This Guide Covers

This FREE study guide includes:

• Louisiana Insurance Law & Regulations - LDI structure, Louisiana Insurance Code, producer licensing
• Life Insurance - Louisiana-specific provisions, policy requirements, beneficiary rules
• Health Insurance - State mandates, consumer protections, continuation rights
• Licensing Requirements - Application process, exam structure, CE requirements
• Practice Questions - Quiz questions with detailed explanations in each chapter

Exam Format & Requirements

Pre-License Education

As of June 3, 2022, Louisiana does NOT require pre-licensing education for Life & Health insurance. However, most people feel it is necessary to take a prep course before sitting for the state exam.

If you choose to take pre-license education (highly recommended), the course hours are:

• Life Only: 20 hours
• Accident & Health Only: 20 hours
• Combined Life, Accident & Health: 40 hours

Exam Tip: While Louisiana no longer mandates pre-licensing education, the exam is comprehensive. Consider taking a prep course to strengthen your chances of passing on the first attempt.

Exam Structure

Exam Details

Fingerprinting Requirement

In Louisiana, you must be electronically fingerprinted at one of the PSI Louisiana sites, during regular testing hours, on the day of your examination.

Exam Costs (2026)

• Life Insurance Exam Fee: $30
• Health Insurance Exam Fee: $30
• Combined Life, Accident & Health Exam Fee: $53
• Pre-License Education (Optional): $150-$400 (varies by provider)
• License Application Fee: Via NIPR
• Total Initial Cost: Approximately $80-$200

Application Process

Steps to Get Licensed

1. Study and Prepare: Complete recommended exam prep course (not required but recommended)
2. Schedule Exam: Book with PSI online or by phone
3. Complete Fingerprinting: On exam day at PSI testing location
4. Pass Exam: Score 70% or higher
5. Submit Application: Apply through NIPR
6. Receive License: Louisiana Department of Insurance issues license

Post-Exam Application

After passing your exam:

• Wait 24-48 hours for results to be processed
• Apply through NIPR (National Insurance Producer Registry)

Exam Content Areas

National Content (Life Insurance)

1. General Insurance Concepts (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest and indemnity
   • Insurance company operations

2. Life Insurance Products (30-35%)

   • Term life insurance types
   • Whole life and permanent insurance
   • Universal and variable life
   • Annuities and retirement products

3. Life Insurance Policy Provisions (25-30%)

   • Standard policy provisions
   • Optional provisions and riders
   • Beneficiary designations
   • Settlement options

4. Life Insurance Underwriting & Taxation (15-20%)

   • Underwriting basics
   • Tax treatment of life insurance
   • Business uses of life insurance
   • Estate planning concepts

National Content (Accident & Health)

1. General Insurance Concepts (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest principles

2. Health Insurance Products (30-35%)

   • Medical expense insurance
   • Disability income insurance
   • Long-term care insurance
   • Medicare and Medicaid

3. Health Insurance Policy Provisions (25-30%)

   • Mandatory and optional provisions
   • Policy riders and endorsements
   • Renewal provisions
   • Claims procedures

4. Group Health Insurance (15-20%)

   • Group plan characteristics
   • COBRA and continuation rights
   • ERISA requirements
   • ACA compliance

Louisiana State Content

The Louisiana-specific portion covers:

1. Louisiana Department of Insurance (LDI)

   • Department structure and authority
   • Commissioner of Insurance powers
   • Louisiana Insurance Code (Title 22)
   • Regulatory oversight and enforcement

2. Louisiana Producer Licensing

   • Licensing requirements and process
   • Lines of authority
   • Continuing education requirements (24 hours every 2 years)
   • License renewal procedures

3. Louisiana Life Insurance Laws

   • Policy delivery requirements
   • Free look period requirements
   • Beneficiary designation rules
   • Policy replacement regulations
   • Standard policy provisions

4. Louisiana Health Insurance Laws

   • State health insurance mandates
   • Louisiana continuation rights
   • Individual and group market rules
   • Medicare supplement regulations

5. Louisiana Insurance Trade Practices

   • Unfair trade practices
   • Prohibited practices and penalties
   • Consumer protection laws
   • Claims handling requirements

License Maintenance & Continuing Education

CE Requirements

• Total Hours: 24 hours every 2 years
• Ethics Requirement: Ethics hours may be required (check current LDI requirements)
• Deadline: CE must be completed before license expiration

License Renewal

• Renewal Period: Every 2 years
• Renewal Process: Through NIPR
• Late Renewal: Additional fees and potential license lapse

Reporting Requirements

• Report address changes promptly
• Report administrative actions within required timeframe
• Maintain records for required period

Study Strategy

Recommended Study Plan

Week 1-2: National L&H Fundamentals

• Insurance principles and terminology
• Life insurance products and policies
• Health insurance coverages
• Policy provisions and contract law

Week 3: Louisiana-Specific Content

• Louisiana Department of Insurance structure
• State insurance statutes (Title 22)
• Producer licensing requirements
• Consumer protection laws

Week 4: Practice & Review

• Take practice exams
• Review missed questions
• Focus on weak areas
• Memorize key numbers and dates

Key Numbers to Memorize

Exam Requirements

• Passing Score: 70%
• Life/Health Single Exam: 100 questions in 2 hours
• Combined L&H Exam: 150 questions in 2 hours 40 minutes
• Life or Health Exam Fee: $30
• Combined Exam Fee: $53

Licensing Requirements

• Pre-License Education: NOT required (since June 2022)
• Fingerprinting: Required on exam day

Continuing Education

• CE Hours: 24 hours every 2 years

Louisiana Insurance Resources

Official Resources

• Louisiana Department of Insurance: ldi.la.gov
• Louisiana Insurance Code (Title 22): legis.la.gov
• PSI Exam Information: candidate.psiexams.com
• NIPR Licensing Portal: nipr.com

Important Contacts

Louisiana Department of Insurance

• Address: 1702 North Third Street, Baton Rouge, LA 70802
• Phone: (225) 342-5900
• Website: ldi.la.gov

PSI Testing

• Website: candidate.psiexams.com
• Phone: (800) 733-9267

Getting Started

This study guide is organized into chapters covering Louisiana-specific requirements:

Chapter 1: Louisiana L&H Regulation & Licensing

• Louisiana Department of Insurance structure
• Producer licensing requirements
• Continuing education requirements
• Application process

Chapter 2: Louisiana Life Insurance

• State policy requirements
• Free look and replacement rules
• Beneficiary provisions
• Group life insurance

Chapter 3: Louisiana Health Insurance

• State health mandates
• Louisiana continuation rights
• Medicare supplement regulations
• Long-term care requirements

Chapter 4: Louisiana Ethics & Professional Conduct

• Unfair trade practices
• Producer duties to clients
• Claims handling requirements
• Record keeping and documentation

Ready to start? Begin with Chapter 1 to learn about Louisiana's regulatory structure and licensing requirements.

Disclaimer

This study guide is for educational purposes only and reflects Louisiana insurance laws and regulations as of January 2026. Insurance laws change frequently. Always verify current requirements with the Louisiana Department of Insurance before relying on any information for licensing or business decisions.

Good luck on your Louisiana Life & Health insurance exam!