Key Takeaways
- Louisiana insurance licenses must be renewed every 2 years (biennial cycle)
- Renewal requires 24 hours of continuing education, including 3 hours of ethics
- CE deadline is the end of birth month following the second license anniversary
- Grace period of up to 2 years for late renewals after paying late fee
- Address and name changes must be reported within 30 days
License Maintenance and Continuing Education
Louisiana insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
Biennial Renewal System
| Item | Requirement |
|---|---|
| License Term | 2 years (biennial) |
| Renewal Fee | $75 per line of authority |
| CE Deadline | End of birth month, every 2 years |
| Grace Period | Up to 2 years for late renewal |
Renewal Timeline
- Complete CE by end of birth month following second license anniversary
- Renew every 2 years thereafter
- Late renewals allowed up to 2 years with late fee
- After 2 years, must pay $75 reinstatement fee
Continuing Education Requirements
Louisiana requires 24 hours of CE every 2 years (effective August 1, 2025):
CE Breakdown
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 |
| Ethics (required) | 3 |
| Electives | 21 |
Lines Requiring CE
CE is required for:
- Life Insurance
- Accident & Health Insurance
- Property Insurance
- Casualty Insurance
- Personal Lines
Exam Tip: Remember that Louisiana's CE requirements were updated effective August 1, 2025. The current requirement is 24 hours including 3 hours of ethics every 2 years.
CE Course Requirements
- Must be completed at LDI-approved providers
- Online and classroom options available
- Cannot repeat same course within the compliance period
- CE must be completed BEFORE license expiration
- CE credits reported electronically by providers
Renewal Process
Steps to Renew
- Complete 24 hours of CE (including 3 hours ethics)
- Log into NIPR or Industry Access Portal
- Verify CE completion is recorded
- Submit renewal application
- Pay renewal fee ($75 per LOA)
Late Renewal Consequences
| Timing | Consequence |
|---|---|
| Before deadline | Normal renewal |
| Up to 2 years late | Late fee + CE required |
| After 2 years | $75 reinstatement fee required |
Reporting Requirements
Louisiana producers must notify LDI of changes within 30 days:
Required Notifications
- Change of business address
- Change of residence address
- Change of name
- Change of business entity
- Administrative actions by other states
- Criminal charges or convictions
How to Report
- Update through Industry Access Portal at ia.ldi.state.la.us
- Or submit in writing to LDI
- Failure to report is a violation
Non-Resident Licensing
Louisiana has reciprocity with most states:
- Non-residents with active home state license can apply
- Same lines of authority as home state
- No exam required if home state license is current
- Must maintain home state license in good standing
Disciplinary Actions
LDI can take disciplinary action against licensees for violations:
Grounds for Discipline
- Violating insurance laws or regulations
- Fraudulent or dishonest practices
- Misappropriation of premium funds
- Misrepresentation to clients or insurers
- Failure to maintain CE requirements
- Failure to report required information
- Conviction of a felony
- Twisting or churning policies
Types of Discipline
| Action | Description |
|---|---|
| Letter of Reprimand | Minor first offense |
| Probation | License continues with conditions |
| Fine | Monetary penalty |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
License Status Types
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively selling (voluntary) |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
| Cancelled | Voluntarily surrendered |
Special Requirements
Flood Insurance Training
Producers selling flood insurance must complete:
- FEMA-approved flood insurance training
- Updated training as required by NFIP
Annuity Suitability
Producers selling annuities must:
- Complete annuity suitability training
- Follow suitability standards
- Document client suitability analysis
How many hours of continuing education does Louisiana require for license renewal?
How often must Louisiana insurance licenses be renewed?
How many hours of ethics CE are required for Louisiana license renewal?
How long is the grace period for late license renewal in Louisiana?