Louisiana Life & Health Exam Overview
Key Takeaways
- Louisiana dropped its pre-licensing education mandate on June 3, 2022; a prep course is optional but strongly recommended because the exam still tests the full national + state outline.
- PSI administers every Louisiana insurance license exam; the passing score is 70% on scored questions (a pre-test/pilot question subset is unscored).
- This guide targets the combined Life, Health and Accident or Sickness exam (Series 103): 150 questions / 160 minutes; single-line Life only and Health only exams are 100 questions / 120 minutes each.
- PSI examination fees: $36 for a single line (Life OR Health), $58 for combined Series 103; a separate $60.75 IdentoGO fingerprint/background fee is scheduled and paid separately, not at PSI on exam day.
- Continuing education is 24 hours every 2 years and MUST include 3 hours of ethics; up to 10 hours may carry over to the next cycle.
- The Louisiana Department of Insurance (LDI) issues and regulates licenses under Title 22; resident applications and renewals are filed through NIPR.
- The license term ends the last day of the producer's birth month on a 2-year cycle, so CE deadlines are tied to your birth month, not the issue date.
Louisiana Life & Health Insurance Exam 2026
Welcome to your FREE Louisiana Life & Health (L&H) producer exam guide. A producer is the licensed individual who solicits, negotiates, or sells insurance. Louisiana licenses producers by line of authority: you may sit Life only, Health and Accident or Sickness only, or the combined Life, Health and Accident or Sickness exam (Series 103) that this guide targets. The exam is built and scored by PSI, a national testing vendor, under contract with the Louisiana Department of Insurance (LDI).
Read this first: On the combined Series 103 exam roughly three-quarters of the questions are national insurance content (life, annuity, and health products and provisions), while the Louisiana Insurance Regulation domain is about 23% of the blueprint and federal rules round out the remainder. Most candidates who fail did fine on the state-law block and were weak on national products and provisions — budget your study time accordingly.
Exam Logistics at a Glance
Memorize this table cold. The single most common test-day surprise is candidates expecting a 100-question single-line exam when they actually registered for the 150-question combined Series 103.
| Line of Authority | Scored Questions | Time Limit | PSI Exam Fee |
|---|---|---|---|
| Life only | 100 | 120 minutes | $36 |
| Health and Accident or Sickness only | 100 | 120 minutes | $36 |
| Combined Life, Health and Accident or Sickness (Series 103) | 150 | 160 minutes (2 hr 40 min) | $58 |
- Passing score: 70% of scored questions on every line. PSI also seeds a small number of unscored pre-test (pilot) questions that look identical to scored items — you cannot tell them apart, so answer every question.
- Format: four-option multiple choice; one best answer. No penalty math beyond percent-correct.
- Worked example: On a 100-question single-line exam, 70 correct = pass. On the 150-question Series 103 exam, you need 105 correct; you may miss up to 45 and still pass.
Fees and the Fingerprint Step
The PSI examination fee is not the only money you spend to get licensed. Louisiana requires electronic fingerprinting through IdentoGO (Idemia) using service code 27N339, scheduled and paid separately from the exam — it is not captured at the PSI center on exam day.
| Cost Item | Amount (2026) | Paid To / When |
|---|---|---|
| Single-line exam (Life or Health) | $36 | PSI, at scheduling |
| Combined Series 103 exam | $58 | PSI, at scheduling |
| Electronic fingerprinting (Livescan, state + federal) | $60.75 | IdentoGO, scheduled separately |
| License application | $75 + NIPR transaction fee | NIPR, after you pass |
| Optional prep course | ~$139-$350 | Education provider |
Common trap: Older guides quote a $30/$53 PSI fee and a $39.25 fingerprint charge captured "at PSI on exam day." Both are outdated. The current PSI fees are $36 single / $58 combined, and fingerprinting is a $60.75 IdentoGO Livescan booked on its own through service code 27N339.
Pre-Licensing Education: Optional, Not Free Time
As of June 3, 2022, Louisiana eliminated mandatory pre-licensing education for L&H. You may schedule the exam without proving any course hours. That said, the blueprint is unchanged, so a structured course is strongly advised. Traditional pre-2022 hour benchmarks still describe a reasonable study load:
- Life only: ~20 hours of material
- Health and Accident or Sickness only: ~20 hours of material
- Combined Series 103: ~40 hours of material
Application Workflow (Pass → License)
- Study the national outline plus Louisiana Title 22 specifics.
- Schedule with PSI online (test-takers.psiexams.com/ladi) or by phone (800-733-9267).
- Fingerprint separately through IdentoGO (service code 27N339, $60.75) — not at the PSI center.
- Pass with at least 70%; PSI prints a pass/fail score report on-site.
- Apply through NIPR (National Insurance Producer Registry) once results post — typically within 24-48 hours.
- LDI issues the resident producer license under Title 22 authority.
Continuing Education & Renewal — Exact Rules
LDI ties your renewal to your birth month, not your original issue date. This trips up candidates who assume a calendar deadline.
| Renewal Rule | Requirement |
|---|---|
| Total CE | 24 hours every 2 years |
| Ethics carve-out | 3 of the 24 hours must be ethics |
| License term end | Last day of birth month, 2-year cycle |
| Carryover | Up to 10 excess hours roll to the next term |
| Course repeats | A course cannot be repeated for credit within 24 months |
2027 update to watch: Beginning with renewals due on or after July 31, 2027, resident L&H (and P&C/personal-lines) producers must include at least 2 hours of Louisiana legislative-update CE within the 24-hour total. It does not add hours — it carves out 2 of the existing 24.
How This Guide Maps to the Blueprint
- Chapter 1 — Regulation & Licensing: LDI structure, Commissioner powers, Title 22, producer licensing, CE.
- Chapter 2 — Louisiana Life Insurance: free-look periods, replacement rules, beneficiary law, group life.
- Chapter 3 — Louisiana Health Insurance: state mandates, continuation rights, Medicare supplement rules, long-term care.
- Chapter 4 — Ethics & Professional Conduct: unfair trade practices, producer duties, claims handling, recordkeeping.
Key Numbers to Lock In
- Passing score: 70% | Single line: 100 Q / 120 min | Combined Series 103: 150 Q / 160 min
- Exam fees: $36 single, $58 combined | Fingerprint: $60.75 (IdentoGO Livescan) | License application: $75
- CE: 24 hours / 2 years, incl. 3 ethics; carryover 10 hours max
- Vendor PSI | Regulator LDI | Filing portal NIPR | Statute Title 22
Official Resources
- Louisiana Department of Insurance: ldi.la.gov | 1702 N. Third St., Baton Rouge, LA 70802 | (225) 342-5900
- PSI Exams: candidate.psiexams.com | (800) 733-9267
- NIPR: nipr.com
Disclaimer: Educational use only; reflects rules current to June 2026. Verify fees and CE rules with LDI/PSI before relying on them — fee schedules and the 2027 legislative-update CE rule are subject to change.
A candidate is taking the Combined Life, Accident & Health exam. How many scored questions and how much time should they expect?
As of June 3, 2022, how many hours of pre-licensing education does Louisiana require before you may sit for the Life & Health exam?
Beyond the PSI examination fee, what additional background-check cost must a Louisiana producer applicant pay?
How many continuing education hours must a Louisiana producer complete each 2-year term, and what is the ethics requirement within that total?
When does a Louisiana resident producer's license term end for renewal purposes?