198+ Free LA Property & Casualty Practice Questions

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Question 1

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Which state agency regulates insurance producers and insurers in Louisiana?

Louisiana Department of Revenue

Louisiana Department of Insurance (LDI)

Louisiana Attorney General Consumer Division

Louisiana Department of Banking and Finance

to track

2026 Statistics

Key Facts: LA Property & Casualty Exam

150

Exam Questions

PSI Louisiana Series 106 content outline

160 min

Time Limit

PSI Louisiana Series 106 content outline

70%

Passing Score

PSI/LDI exam standard

$58

Exam Fee

Louisiana licensing handbook (effective Mar 1, 2024)

23%

Regulation Weight

PSI Series 106 outline

15/30/25

LA Auto Minimums

Louisiana compulsory motor vehicle liability law

PSI's Louisiana Series 106 outline lists a 150-question exam with a 160-minute time limit and a 70% passing score. The official weighting is led by Louisiana Insurance Regulation (23%), followed by Property & Casualty Basics (15%), Homeowners (10%), General Insurance Concepts (8%), and multiple casualty/commercial domains. Current Louisiana licensing handbook materials list the Series 106 exam fee at $58 and note that remote testing is no longer offered.

Sample LA Property & Casualty Practice Questions

Try these sample questions to test your LA Property & Casualty exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 198+ question experience with AI tutoring.

1Which state agency regulates insurance producers and insurers in Louisiana?

A.Louisiana Department of Revenue

B.Louisiana Department of Insurance (LDI)

C.Louisiana Attorney General Consumer Division

D.Louisiana Department of Banking and Finance

Explanation: The Louisiana Department of Insurance is the primary state insurance regulator. It handles licensing, market conduct oversight, and insurer regulation under Louisiana insurance law.

2Which exam profile matches Louisiana Series 106 Property and Casualty?

A.150 questions, 160 minutes, 70% passing score

B.125 questions, 120 minutes, 75% passing score

C.100 questions, 90 minutes, 70% passing score

D.150 questions, 180 minutes, 80% passing score

Explanation: Louisiana Series 106 is the combined P&C exam with 150 total questions and a 160-minute time limit. The passing standard is 70%, so pacing and accuracy both matter.

3What is the current exam fee for Louisiana Series 106?

A.$49

B.$58

C.$75

D.$95

Explanation: The Louisiana Series 106 exam fee is $58. Candidates should still verify fees at scheduling because vendor pricing can be updated.

4Which statement is correct about prelicense education for Louisiana Series 106?

A.20 hours are required before testing

B.40 hours are required before testing

C.No prelicense education is required

D.Only casualty prelicense hours are required

Explanation: Louisiana does not require prelicense education before taking Series 106. Applicants can move directly to exam preparation, testing, and then licensing steps.

5For a Louisiana producer with Property and Casualty authority, what CE requirement applies each 2-year cycle?

A.20 total hours including 3 ethics

B.24 total hours including 3 ethics and 3 flood

C.24 total hours including 6 ethics

D.30 total hours including 3 ethics and 3 flood

Explanation: Louisiana requires 24 CE hours in each two-year cycle for resident producers. For producers with P&C authority, that includes 3 ethics hours and 3 flood hours within the total.

6How often must Louisiana resident producers complete continuing education?

A.Every year

B.Every two years

C.Every three years

D.Only once after initial licensing

Explanation: Louisiana CE compliance runs on a two-year cycle for resident producers. Missing the cycle deadline can create renewal and licensing problems even if coursework is completed later.

7Series 106 is best described as what type of licensing exam?

A.A life-only producer exam

B.A combined property and casualty producer exam

C.A surplus lines-only exam

D.An adjuster-only exam

Explanation: Series 106 is Louisiana's combined Property and Casualty producer exam. It tests both general insurance principles and Louisiana-specific rules relevant to P&C authority.

8Which statement best describes nonresident producer licensing in Louisiana?

A.Nonresidents are exempt from licensing

B.Nonresidents must complete Louisiana prelicense education first

C.Nonresidents generally apply based on active home-state licensure

D.Nonresidents can sell for 90 days before applying

Explanation: Louisiana generally follows reciprocity principles for nonresident producers. An active home-state license is typically required before obtaining Louisiana nonresident authority.

9What is the compliance risk of transacting insurance with a lapsed producer license in Louisiana?

A.No risk if premiums are collected correctly

B.No risk for existing clients

C.Potential administrative discipline by LDI

D.Only a warning letter with no further action

Explanation: Transacting insurance without active authority is a serious licensing violation. LDI may impose penalties, including suspension or revocation, depending on the facts.

10A person passes Series 106 but sells a policy before the producer license is issued. Which statement is most accurate?

A.Passing the exam alone authorizes sales

B.This is permitted if the insurer verbally approves

C.This is unlicensed activity and can trigger enforcement action

D.This is allowed if the client signs a waiver

Explanation: Passing the exam is only one step in the licensing process. A person must hold an active license before soliciting, negotiating, or selling insurance in Louisiana.

About the LA Property & Casualty Exam

Louisiana's Series 106 producer exam combines national property/casualty fundamentals with Louisiana law. Tested areas emphasize Louisiana insurance regulation, producer licensing and compliance, homeowners and commercial property, personal and commercial auto, CGL, workers compensation, and state-specific liability rules such as direct action and no-pay-no-play.

Questions

150 scored questions

Time Limit

2 hours 40 minutes (160 minutes)

Passing Score

70%

Exam Fee

$58 (Louisiana Department of Insurance (LDI) / PSI)

LA Property & Casualty Exam Content Outline

24%

Louisiana Regulation and Licensing

Louisiana Insurance Regulation (23%) plus licensing/regulation details (1%), including producer authority, compliance, and market-conduct rules

23%

General Insurance Concepts and P&C Basics

General insurance concepts (8%) and property/casualty basics (15%), including policy structure, contracts, valuation, and core underwriting principles

21%

Property Insurance

Dwelling (4%), homeowners (10%), and commercial property (7%), including coverage forms, exclusions, endorsements, and coastal/flood context

32%

Casualty and Commercial Lines

Personal auto (7%), commercial auto (6%), CGL (7%), commercial crime (2%), workers compensation (5%), and other P&C (5%) with Louisiana-specific liability law overlays

How to Pass the LA Property & Casualty Exam

What You Need to Know

Passing score: 70%
Exam length: 150 questions
Time limit: 2 hours 40 minutes (160 minutes)
Exam fee: $58

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

LA Property & Casualty Study Tips from Top Performers

1Use the official Louisiana weighting to allocate study time, with extra emphasis on regulation and core P&C mechanics

2Memorize exam logistics first: 150 questions, 160 minutes, 70% passing score, and $58 fee

3Drill Louisiana-specific liability topics, especially direct action and no-pay-no-play, until you can apply them in scenarios

4Practice mixed property/casualty sets under time pressure so you can switch quickly between homeowners, auto, and commercial lines

5Review current LDI bulletins and PSI candidate information in your final week to avoid stale compliance assumptions

Frequently Asked Questions

How many questions are on Louisiana Series 106 and how long is the exam?

Louisiana Series 106 is listed as 150 questions with a 160-minute time limit. The passing standard is 70%, so candidates should pace tightly and avoid spending too long on any single item.

What is the current exam fee for Louisiana Property & Casualty?

Louisiana licensing handbook materials list the Series 106 exam fee at $58. Exam fees can be updated by the vendor, so verify current pricing in PSI's registration portal before scheduling.

What Louisiana-specific laws matter most on the casualty side?

High-yield Louisiana casualty topics include the Direct Action framework, no-pay-no-play limitations for uninsured motorists, compulsory auto financial responsibility standards, and producer compliance when explaining these rules to clients.

Which exam domains carry the most weight on Series 106?

The strongest weighting comes from Louisiana Insurance Regulation (23%), then Property & Casualty Basics (15%), Homeowners (10%), and General Insurance Concepts (8%). You should still prepare broadly across auto, CGL, workers compensation, and commercial property because those categories collectively make up a large share.

Are there 2026 Louisiana updates candidates should review?

Yes. LDI's 2026 bulletin cycle includes filing and reporting updates for regulated entities. For exam-day readiness, pair the official PSI outline with the latest LDI bulletin and licensing notices when you do your final review.