Louisiana Insurance License
The Louisiana insurance license exam, in plain numbers.
Everything below is specific to Louisiana — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Louisiana
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 150 | 105 | 70% | 45 |
Administered by PSI Services for the Louisiana Department of Insurance. Time limit: 160 minutes. Roughly 38 of the scored questions (25%) come from Louisiana law — the block national courses cover most lightly.
Prelicensing
Not required for Series 103 under current PSI and LDI bulletin guidance. Older material describes 20 hours per line and 40 hours combined; confirm the current position with LDI.
Continuing education
Continuing education is required for renewal, and a change takes effect with July 2027 renewals adding 2 hours of legislative updates. Confirm the current hour total with LDI.
License term
renewal by birth month and by odd or even year determined by license number
Regulator
The Louisiana Department of Insurance oversees licensing, headed by an elected Commissioner of Insurance.
Louisiana Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Louisiana policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $500,000 |
| Other health insurance benefits | $500,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Louisiana, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Louisiana insurance exam questions, answered
How many questions are on the Louisiana insurance license exam?
The combined life and health exam has 150 scored questions. You need 105 correct to pass at 70%, which means you can miss 45.
What is the passing score for the Louisiana insurance exam?
70%. That works out to 105 correct answers out of 150 scored questions.
Who administers the Louisiana insurance license exam?
PSI Services, on behalf of the Louisiana Department of Insurance.
Does Louisiana require prelicensing education?
Not required for Series 103 under current PSI and LDI bulletin guidance. Older material describes 20 hours per line and 40 hours combined; confirm the current position with LDI.
How much continuing education does Louisiana require?
Continuing education is required for renewal, and a change takes effect with July 2027 renewals adding 2 hours of legislative updates. Confirm the current hour total with LDI.
Is there a Louisiana life-only or health-only exam?
No. Louisiana tests life and health together as one combined exam, so there is no single-line edition.
How much does a Louisiana study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Louisiana Department of Insurance.