How To Obtain a Louisiana Insurance Producer License
Effective 06/03/2022 – The state of Louisiana has no formal pre-licensing education requirement however it is recommended as the prelicensing course is designed to prepare candidates for the State Licensing Examination.
1. Complete the Pre-Licensing Course.
- Life Only
- Accident & Health Only
- Life, Accident & Health
- Casualty Insurance
- Property Insurance
- Property and Casualty
- Personal lines
Course Requirements
- This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
- Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter.
2. Schedule the Louisiana State Examination.
- Registration must be completed online on PSI website: https://candidate.psiexams.com/
- Single line exam fee $30
- Combined exams fee $53
Online Proctored Exam
- As of July 8, 2024, PSI no longer offers remote proctored exams.
Limitation on Repeat Examinations:
- There are no limitations on retaking the exam.
3. Submit your Fingerprints
- The state of Louisiana requires fingerprinting.
- You must be electronically fingerprinted through Identogo
- Fingerprint instructions - Fingerprinting Instructions for Producer Applications (la.gov)
- Fingerprint Fee: $60.75
4. Pass the State Exam
- Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period.
- Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
- Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.”
- On the day of testing, you must present a valid government issued photo id.
5. Apply for your License
- Submit license application online through www.nipr.com
- Application fee $75
- If you answer “Yes” to a background question on the application, submit your written statement accompanied by corresponding court documents (printouts from a court’s web site are not acceptable) as part of your NIPR electronic license application using the Attachments Warehouse.
- If you need to submit other additional documents as part of your NIPR electronic license application, use the Attachments Warehouse.
PSI Exam Outlines
DESCRIPTION | Question Count | % of Exam Questions | ||||
Life | Health | L&H | Life | Health | L&H | |
Life Insurance | ||||||
Louisiana Insurance Regulation | 10 | 10 | 35 | 10% | 10% | 23% |
Licensing and Regulation | 2 | 2 | 1 | 2% | 2% | 1% |
General Insurance Concepts | 10 | 11 | 10 | 10% | 11% | 7% |
Life Insurance Basics | 16 | 0 | 10 | 16% | 0% | 7% |
Types of Life Insurance Policies | 17 | 0 | 12 | 17% | 0% | 8% |
Life Insurance Policy Provisions, Options and Riders | 26 | 0 | 20 | 26% | 0% | 13% |
Annuities | 8 | 0 | 10 | 8% | 0% | 7% |
Federal Tax Considerations for Life Insurance | 11 | 0 | 2 | 11% | 0% | 1% |
Health Insurance | ||||||
Health and Accident Insurance Basics | 0 | 10 | 10 | 0% | 10% | 7% |
Individual Accident and Health Insurance Producer Policy Provisions | 0 | 14 | 10 | 0% | 14% | 7% |
Disability Income and Related Insurance | 0 | 15 | 6 | 0% | 15% | 4% |
Medical Plans | 0 | 10 | 6 | 0% | 10% | 4% |
Group Health Insurance | 0 | 9 | 5 | 0% | 9% | 3% |
Health Insurance for Senior Citizens and Special Needs Individuals | 0 | 14 | 10 | 0% | 14% | 7% |
Federal Tax Considerations for Life Insurance | 0 | 5 | 3 | 0% | 5% | 2% |
Total for all parts | ||||||
Total Scored Questions on Exam | 100 | 100 | 150 | |||
Maximum Time allowed to complete exam in minutes | 120 | 120 | 150 | |||
Passing Score | 70 | 70 | 70 |
DESCRIPTION | Question Count | % of Exam Questions | ||||
Casualty | Property | P&C | Casualty | Property | P&C | |
Casualty Insurance | ||||||
Louisiana Insurance Regulation | 20 | 20 | 35 | 20% | 20% | 23% |
Licensing and Regulation | 2 | 2 | 2 | 2% | 2% | 1% |
General Insurance Concepts | 15 | 12 | 12 | 15% | 12% | 8% |
Casualty Insurance Basics | 23 | 0 | 11 | 23% | 0% | 7% |
Personal Automobiles Policy | 7 | 0 | 11 | 7% | 0% | 7% |
Commercial Automobile Policy | 6 | 0 | 9 | 6% | 0% | 6% |
Commercial General Liability | 10 | 0 | 11 | 10% | 0% | 7% |
Commercial Crime | 3 | 0 | 3 | 3% | 0% | 2% |
Workers Compensation Insurance | 10 | 0 | 7 | 10% | 0% | 5% |
Other Types of Casualty Insurance | 4 | 0 | 3 | 4% | 0% | 2% |
Property Insurance | ||||||
Health and Accident Insurance Basics | 0 | 24 | 11 | 0% | 24% | 7% |
Dwelling Policy | 0 | 8 | 6 | 0% | 8% | 4% |
Homeowners Policy Concepts | 0 | 17 | 15 | 0% | 17% | 10% |
Commercial Property Insurance | 0 | 12 | 11 | 0% | 12% | 7% |
Other Types of Property Insurance | 0 | 5 | 3 | 0% | 5% | 2% |
Total for all parts | ||||||
Total Scored Questions on Exam | 100 | 100 | 150 | |||
Maximum Time allowed to complete exam in minutes | 120 | 120 | 160 | |||
Passing Score | 70 | 70 | 70 |
DESCRIPTION | Question Count | % of Exam Questions |
Personal Lines | ||
Louisiana Insurance Regulations | 15 | 15% |
Licensing and Regulations | 2 | 2% |
General Insurance Concepts | 13 | 13% |
Property and Casualty Insurance Basics | 25 | 25% |
Dwelling Policy Concepts | 9 | 9% |
Homeowners Policy Concepts | 17 | 17% |
Personal Automobile Policy | 15 | 15% |
Other Types of Personal Insurance | 4 | 4% |
Total for all parts | ||
Total Scored Questions on Exam | 100 | |
Maximum Time allowed to complete exam in minutes | 120 | |
Passing Score | 70 |
Producer Licensing Checklist:
Task: | Date Completed |
1. Complete prelicensing course | |
2. Register for exam | |
3. Submit fingerprints (PSI location only) | |
4. Pass exam | |
5. Apply for license |
Governing Agency
Name: Louisiana Department of Insurance
Phone: 225-342-0860
Fax: 225-342-3754
Website: http://www.ldi.la.gov/
Email: producerlicensing@ldi.gov
Address: 1702 N. Third Street P.O. Box 94214 Baton Rouge, LA 70802
Louisiana Insurance License Renewal and Compliance Requirements
XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.
License Renewal Timelines
- Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years.
- On-going renewal periods are the last day of the agent’s birth month, and odd/even year of birth every two (2) years thereafter.
- Licenses renew on the last day of the birth month with the license number determining the renewal year. Licenses that end in an even number renew in even-numbered years and licenses that end in an odd number renew in odd-numbered years.
- On-going renewal periods are the last day of the agent’s birth month, and odd/even year of birth every two (2) years thereafter.
- Continuing education requirements must be met before submitting the license renewal application.
Complete Required Continuing Education
Requirements Per License
Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics, before submitting their renewal application.
Specific Product Training Requirements
The Louisiana Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.
Long-Term Care Training Requirements
- Life or Accident & Health licensees have no requirements for Long-term Care course before selling, soliciting, or negotiating long-term care insurance.
- Agents can complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance.
- The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement.
- Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course.
- Non-resident agents may complete these training requirements in any state.
Annuity Training Requirements
- Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Training course before selling, soliciting, or negotiating annuity products.
- Annuity training course credits count towards the agent's 24-hour CE requirement.
- Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Louisiana.
Flood Insurance (NFIP) Training Requirements
- Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance.
- The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement.
Course Requirements
- Licensees can use independent self-study courses to fill all requirements.
- Licensees must take courses in which the licensed is held.
- Self-study exams are closed book and do not require a monitor/proctor.
- Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles.
- Excess credits hours earned in the previous biennial renewal period cannot be carried over to the next reporting period.
- Licensees cannot repeat the same course within a two-year period from course completion date.
Reporting to your State
- Students must provide their National Producer Number (NPN) to report on course completion.
- No Fee per credit hour is required to report course completions to your state.
- Course completions are reported within one business day.
Renew Your License
Resident and nonresident license renewal applications are processed through NIPR. A $50 renewal fee per line of authority is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.
Helpful Resources
Louisiana Department of Insurance
https://www.ldi.la.gov/
225-342-0860
producerlicensing@ldi.la.gov
Producer Licensing Division, Louisiana Department of Insurance
Attention: Licensing
P.O. Box 94214, Baton Rouge, LA 70804-9214