Louisiana Life, Accident & Health Insurance License Practice Exam
150 scored questions (Series 103 combined). 160 minutes. 70% to pass. No pre-licensing required. Fingerprinting through IdentoGO after you apply. Exam given by PSI.
Louisiana Life, Accident & Health — Study by Topic
Drill Louisiana state law (23% of the exam) or practice general L&H concepts. 150-scored-question combined exam (Series 103), 160 minutes.
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 (8-hour one-time course plus 4 ongoing hours every two years), Medicare supplement (A–N), COBRA, ACA, HMOs, dental.
Louisiana State Law
LDI, PSI exam, no pre-licensing, IdentoGO fingerprinting after application, unlimited retakes, 24 CE hours (3 ethics), 10-hour CE carryover, two-year renewal.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, qualified plans, HSA/HRA.
🌟 Full LA L&H Exam
150-question timed practice exam modeled on the PSI Louisiana Series 103 combined Life, Health and Accident or Sickness exam (150 scored questions, 160 minutes). 70% to pass. No pre-licensing required.
About the Louisiana Life & Health Insurance Exam
The Louisiana insurance producer exams are administered by PSI for the Louisiana Department of Insurance (LDI). The Life and the Health and Accident or Sickness lines can be tested separately (Series 101 and Series 102, $36 each) or together on the Series 103 combined exam ($58). Louisiana has no pre-licensing requirement for these exams; it applies only to the Public Adjuster and Bail Bond exams. First-time resident applicants are fingerprinted through IdentoGO after LDI reviews the application and a signed background check authorization. Applications are filed through NIPR.
The Series 103 exam has 150 scored questions and a 160-minute time limit, and a candidate passes with at least 70% (La. R.S. 22:1545). PSI may also add 5 to 10 unscored experimental questions, which count against your time. Louisiana Insurance Regulation is 23% of the outline, the largest single section, followed by life insurance basics (14%) and policy provisions, options, and riders (13%). PSI's current Series 103 outline is dated February 10, 2016.
Louisiana Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| LA — Louisiana Insurance Regulation | 23% | Licensing requirements and types, license maintenance and continuing education, disciplinary actions, state and company regulation, producer regulation, advertising, replacement, unfair trade practices, federal regulation references |
| Federal Regulation (outline heading: Licensing and Regulation) | 1% | Fair Credit Reporting Act, fraud and false statements (18 U.S.C. 1033 and 1034), Gramm-Leach-Bliley privacy, National Do Not Call List, Affordable Care Act |
| General Insurance Concepts | 7% | Risk and risk-handling methods, insurer classifications, contract elements, agency law, indemnity, good faith, fraud, warranties and representations |
| Life, Health, and Accident Insurance Basics | 14% | Insurable interest, personal and business uses of life insurance, premium factors, underwriting, risk classifications, perils, types of losses and benefits |
| Types of Life Insurance Policies | 8% | Term, whole life, adjustable and universal life, index whole life, specialized policies, group life, credit life |
| Life Insurance Policy Provisions, Options, and Riders | 13% | Standard provisions, beneficiary designations, settlement options, nonforfeiture options, policy loans, dividend options, riders |
| Annuities | 7% | Accumulation and annuity periods, payout options, fixed and equity-indexed annuities, uses of annuities |
| Individual Health and Accident Insurance Policy Provisions | 7% | Uniform required and optional provisions, other general provisions, coinsurance, probationary and elimination periods, exclusions |
| Disability Income and Related Insurance | 4% | Disability definitions, individual and group disability income, business disability insurance, Social Security disability |
| Medical Plans | 4% | Fee-for-service, prepaid, basic and major medical plans, HMOs, PPOs, POS plans, cost containment, HIPAA |
| Group Health Insurance | 3% | Group contracts, eligibility, underwriting, conversion, COBRA, coordination of benefits |
| Health Insurance for Senior Citizens and Special Needs Individuals | 7% | Medicare Parts A through D, Medicare Select, Medicare Supplement, Medicaid, long-term care policies and levels of care |
| Federal Tax Considerations for Life and Health Insurance | 2% | Qualified plans, IRAs, 401(k), 403(b), SEP, SIMPLE, taxation of life insurance and health benefits, HSAs, HRAs, FSAs |
Weights are from PSI's Louisiana Series 103 content outline (effective 2/10/2016); PSI publishes weights, not per-section question counts. PSI labels the second section 'Licensing and Regulation' but lists federal topics under it.
What Makes the Louisiana Life & Health Exam Different
Louisiana regulation is the biggest section. At 23%, Louisiana Insurance Regulation outweighs any single life or health topic on the Series 103 outline. It covers license types and maintenance, continuing education, discipline, producer and company regulation, advertising, replacement, and unfair trade practices.
No pre-licensing, but fingerprints after you apply. PSI's Louisiana bulletin states there are no prelicensing requirements for the producer exams except Public Adjuster and Bail Bond. First-time resident applicants must be fingerprinted, but only after LDI reviews the application and signed background check authorization and emails instructions; fingerprinting earlier means you must be fingerprinted again. Residents adding a line to an existing license are exempt.
Retakes are unlimited. PSI's bulletin says there is no limit to the number of times you may retest after a failed exam during the one-year period, but you cannot make a new appointment on the day you tested. Exam fees are not refundable or transferable, and you forfeit the fee if you do not cancel at least 2 days ahead, do not appear, arrive late, or lack proper ID.
Pick your exam. Series 101 (Life) and 102 (Health and Accident or Sickness) cost $36 each, and the combined Series 103 costs $58, so candidates seeking both lines pay less on the combined exam. A resident producer adding a line later does not repeat fingerprinting.
Renewal and continuing education. A Louisiana producer license must be renewed every two years (La. R.S. 22:1547(C)). Life, health, and accident producers complete 24 hours per renewal period, including at least 3 ethics hours, and up to 10 unused hours may be applied to the next period (LAC 37:XI, Sections 711.A, 711.B, and 711.J). Failing to complete CE before the renewal filing date causes the license to expire.
Sample Louisiana Life & Health Insurance Exam Questions
1. Under La. R.S. 22:1545, what score must an applicant achieve to pass a Louisiana insurance producer licensing examination?
2. How often must a Louisiana licensed producer file an application for renewal under La. R.S. 22:1547(C)?
3. A Louisiana producer licensed for life, accident and health has more continuing education hours than required. Under LAC 37:XI, Section 711.J, up to how many unused hours may be applied to the next renewal period?
Study Tips for the Louisiana Life & Health Exam
Louisiana regulation is 23% of the Series 103 outline. That is more than life basics (14%) or policy provisions (13%), so spend real time on licensing, continuing education, discipline, producer regulation, and replacement, and keep the federal topics (1%) light.
You need 70% of 150 scored questions, which is 105 correct. PSI may add 5 to 10 unscored experimental questions that count against your 160 minutes, so budget about one minute per question and do not stall on one item.
If you plan to sell both lines, compare costs: the combined Series 103 is $58, while Series 101 and 102 are $36 each. Register at PSI's Louisiana page or by phone, and arrive 30 minutes before your appointment.
Licensing in a nearby state? See the Texas life and health practice exam or the Arkansas life and health practice exam. General exam help is in our insurance exam study guide.
How to Get Your Louisiana Life & Health Insurance License
There are four steps to get your Louisiana life, accident and health insurance license.
Steps to Get Your Louisiana Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-License Education | None is required for the Life, Health and Accident or Sickness producer exams. Study PSI's content outline for Series 101, 102, or 103 instead. |
| 2. Apply & Fingerprint | File your application through NIPR. After LDI reviews it and your signed background check authorization, you receive instructions to be fingerprinted through IdentoGO. Do not fingerprint before receiving them. See the Louisiana Department of Insurance. |
| 3. Licensing Exam | Register with PSI online at its Louisiana page or by phone at (855) 579-4644, then pay the $58 fee for Series 103 ($36 for Series 101 or 102). You pass with at least 70%. |
| 4. Maintain Your License | Renew every two years and complete 24 hours of continuing education, including 3 ethics hours, before the renewal filing date. |
Louisiana Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| License type | Insurance producer; lines Life, and Health and Accident or Sickness |
| Pre-license education | None for these lines |
| Exam | Series 103 (combined): 150 scored questions; Series 101 Life and 102 Health and Accident or Sickness are separate |
| Time limit | 160 minutes (Series 103); 5 to 10 unscored experimental questions may be added |
| Passing score | 70% (La. R.S. 22:1545) |
| Exam fee | $58 for Series 103; $36 for Series 101 or 102 (nonrefundable) |
| Application fee | $75 state fee for most producer lines, collected through NIPR |
| Fingerprinting | First-time resident applicants, after the application is reviewed (IdentoGO); fee not stated by LDI |
| Retakes | No limit during the one-year period; no same-day retest |
| License renewal | Every two years (La. R.S. 22:1547) |
| Continuing education | 24 hours per period including 3 ethics; up to 10 unused hours carry over |
| Exam provider | PSI |
| Licensing authority | Louisiana Department of Insurance |
Verified against PSI's Louisiana bulletin and Series 103 outline, LDI's licensing and fingerprinting pages, La. R.S. 22:1545 and 22:1547, and LAC 37:XI Chapter 7. The application fee comes from NIPR's Louisiana page; confirm current fees with LDI.
Our free Louisiana life and health practice exam covers life, health, policy provisions, and Louisiana law. You can also try the Louisiana property and casualty practice exam or the insurance exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Louisiana Life & Health Insurance Exam
How many questions are on the Louisiana life, accident and health exam?
The combined Series 103 exam has 150 scored questions and a 160-minute time limit. PSI may add 5 to 10 unscored experimental questions, which count against your time.
What is the passing score for the Louisiana insurance exam?
At least 70% (La. R.S. 22:1545). PSI's Series 103 outline also lists 70% as the minimum passing score.
Who administers the Louisiana insurance exam?
PSI is the examination vendor for the Louisiana Department of Insurance. You register at PSI's Louisiana page or by phone at (855) 579-4644, and arrive 30 minutes before your appointment.
Does Louisiana require pre-licensing for life and health?
No. PSI's Louisiana bulletin states there are no prelicensing requirements for the producer exams except Public Adjuster and Bail Bond.
Does Louisiana require fingerprints?
Yes for first-time resident applicants. LDI emails instructions after it reviews your application and signed background check authorization, and you are fingerprinted through IdentoGO. Fingerprinting earlier requires you to be fingerprinted again.
How much does the Louisiana life and health exam cost?
The combined Series 103 exam costs $58, and the separate Series 101 (Life) and Series 102 (Health and Accident or Sickness) exams cost $36 each. Fees are not refundable or transferable.
Can I retake the Louisiana exam if I fail?
Yes. PSI's bulletin says there is no limit on retakes during the one-year period, but you cannot schedule a new appointment on the same day you tested.
What are Louisiana's continuing education requirements?
Life, accident and health producers need 24 hours every renewal period, including at least 3 ethics hours, completed before the license expires. Up to 10 unused hours may be applied to the next period (LAC 37:XI, Section 711).