Louisiana Life, Accident & Health Insurance License Practice Exam
150 questions (Series 103 combined). 2 hrs 40 min. 70% to pass. No pre-licensing required. IdentoGO fingerprinting ($39.25 at PSI site). Civil law state. Elected Commissioner.
Louisiana Life, Accident & Health — Study by Topic
Drill Louisiana state law (~30% of exam) or practice general L&H concepts. 150-question combined exam (Series 103), 2 hrs 40 min. Civil law state. Elected Commissioner. Citizens.
Life Insurance
Term, whole life, universal life, variable, annuities, Annuity Best Interest, riders, nonforfeiture, settlement options, beneficiaries, viatical/life settlements.
Health & Accident
Individual/group health, disability income, LTC (4-hr refresher per period — no initial pre-sale course in LA), Medicare supplement (A–N), COBRA, ACA, HMOs, dental.
Louisiana State Law
LDI, elected Commissioner, no pre-licensing, PSI in-person only, IdentoGO fingerprinting, 1-year score validity, Citizens, No Pay No Play, civil law state, 24 CE hrs, 90-day CE deadline.
Policy Provisions
Contract law (civil law tradition), insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, qualified plans, HSA/HRA.
🌟 Full LA L&H Exam
150-question timed exam simulating the PSI Louisiana Series 103 combined Life, A&H exam. 2 hrs 40 min. 70% to pass. Civil law state. Elected Commissioner. No pre-licensing required.
About the Louisiana Life, Accident & Health Insurance License Exam
To get your Louisiana Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $53 combined. Louisiana is regulated by the Louisiana Department of Insurance (LDI) under Louisiana Revised Statutes Title 22. Visit ldi.la.gov for official licensing information. Commissioner ELECTED (unique with Oklahoma and Nevada); PSI in-person only since July 2024 (discontinued online); IdentoGO at PSI test site on exam day; no pre-licensing; Civil Law state (based on Napoleonic Code — unique in US); 90-day CE completion deadline before expiration.
Pre-licensing education in Louisiana: None required. Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $75/line biennial. CE must be completed before submitting your Louisiana renewal application. How to get licensed in Louisiana: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Louisiana producer license.
How to get a Louisiana Life & Health insurance license in 2026: The Louisiana Department of Insurance (LDI) (ldi.la.gov) administers all producer licensing in Louisiana. Exam: PSI Services LLC, $53 combined, 70%. Pre-licensing: None required. Once licensed, maintain your Louisiana Life & Health license by completing 24 hours + 3 ethics biennial and paying the $75/line biennial renewal. For questions contact the Louisiana Department of Insurance (LDI).
LDI (ldi.la.gov). LRS Title 22. Commissioner ELECTED (unique with OK and NV). PSI in-person only (discontinued July 2024 — no PSI Bridge). IdentoGO at PSI test site on EXAM DAY. No pre-licensing. Civil Law state = pure comparative fault (unique).
Frequently Asked Questions — Louisiana Life, Accident & Health Exam
How do I get a Louisiana Life & Health insurance license?
To become a licensed Life & Health producer in Louisiana: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($53 combined, 70%); (4) Apply for your Louisiana producer license. The Louisiana Department of Insurance (LDI) (ldi.la.gov) oversees all insurance producer licensing in Louisiana.
What exam does Louisiana use for Life & Health insurance licensing?
Louisiana uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $53 combined. Passing score: 70%. Commissioner ELECTED (unique with Oklahoma and Nevada); PSI in-person only since July 2024 (discontinued online); IdentoGO at PSI test site on exam day; no pre-licensing; Civil Law state (based on Napoleonic Code — unique in US); 90-day CE completion deadline before expiration.
Does Louisiana require pre-licensing for Life & Health insurance?
None required. For official pre-licensing provider information, visit ldi.la.gov.
What are Louisiana's CE requirements for Life & Health producers?
Louisiana requires: 24 hours + 3 ethics biennial. Renewal fee: $75/line biennial. CE must be completed before submitting the renewal application. Contact the Louisiana Department of Insurance (LDI) at ldi.la.gov for CE provider information.
What makes Louisiana unique for Life & Health insurance licensing?
Commissioner ELECTED (unique with Oklahoma and Nevada); PSI in-person only since July 2024 (discontinued online); IdentoGO at PSI test site on exam day; no pre-licensing; Civil Law state (based on Napoleonic Code — unique in US); 90-day CE completion deadline before expiration.
Practice Exam Questions — Louisiana Life & Health
5 state-specific questions drawn from the Louisiana exam content outline. Correct answer highlighted in green.
Louisiana's Insurance Commissioner is:
- Appointed by the Governor
- Appointed by the Legislature
- ELECTED by Louisiana voters — unique with Oklahoma and Nevada in the portfolio; LDI: ldi.la.gov; 1702 N. 3rd Street, Baton Rouge LA 70802
- Selected by the Louisiana Supreme Court
Louisiana L&H exams as of July 2024 are:
- Available via PSI Bridge remote and in-person
- In-person only at Louisiana PSI test centers — Louisiana discontinued PSI online proctoring in July 2024; all exams require in-person appearance
- Available only via Pearson VUE OnVUE
- Available at any licensed proctor location
Louisiana fingerprinting is done:
- Via ark.org before applying (same as Arkansas)
- Via Fieldprint before applying (same as Wisconsin)
- At the PSI test center on exam day — candidates schedule IdentoGO fingerprinting completed at the PSI site on exam day; unique same-day timing
- Via DORA online background check (same as Colorado)
Louisiana is unique in US law because:
- It is based on English common law
- Louisiana Civil Law is based on the French/Spanish Napoleonic Code — the ONLY US state with Civil Law; affects insurance contract interpretation; pure comparative fault (no 50% bar)
- It is based on Germanic customary law
- It operates under federal maritime law exclusively
Louisiana CE requires:
- 24 hours + 3 ethics biennial — CE must be completed 90 days BEFORE the renewal date; renewal fee $75/line biennial; LRS Title 22; Commissioner ELECTED
- 30 hours triennial
- 16 hours biennial
- 12 hours annual