Louisiana Insurance Exam Cheat Sheet
Unlock the official Louisiana exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free Louisiana practice questions to test your knowledge.
What's Covered on the Louisiana Life & Health Exam
Two exam lines — know what each one tests
Life Insurance Line
- Term, Whole, Universal & Variable Life policies
- Annuities (fixed, variable, immediate, deferred)
- Beneficiary designations & settlement options
- Policy riders: waiver of premium, AD&D, COLA
- Replacement rules & suitability requirements
- Grace period: 30–31 days | Free-look: 10 Days (30 Days)
Health Insurance Line
- Individual & group health, HMO, PPO, EPO, POS plans
- Medicare Parts A, B, C, D & Medigap supplements
- Medicaid & CHIP eligibility rules
- COBRA, HIPAA, ACA & continuation provisions
- Disability income: STD & LTD elimination periods
- Grace periods: 7 / 10 / 31 days by premium mode
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Frequently Asked Questions
Q:How do I pass the Louisiana Life & Health insurance exam on my first try?
To pass the Louisiana insurance exam on your first attempt, follow a structured approach: First, master general life, health, and annuity concepts. Second, focus on Louisiana Insurance Code Title 22 covering producer licensing, replacement rules, CE requirements, and unfair trade practices. Third, practice with at least 400+ realistic exam questions until your average score reaches 80% or higher.
Q:How many questions are on the Louisiana insurance exam and what score is required?
The combined Louisiana Life, Accident & Health exam consists of 150 multiple-choice questions with a 3-hour time limit. A passing score of 70% is required.
Q:What topics are covered on the Louisiana insurance licensing exam?
The exam covers Life Insurance (policy types, provisions, riders), Health Insurance (medical expense, disability income, Medicare, LTC), Annuities (fixed, variable, indexed), General Insurance Concepts (risk, insurable interest, contract law), and Louisiana State Regulations (LDI licensing rules, replacement regulations, and unfair trade practices).
Q:How much does the Louisiana insurance exam cost and where is it taken?
The exam fee is $45 per attempt, payable to PSI Services. Tests can be taken at PSI test centers in Louisiana or online via remote proctoring.
Q:What are the continuing education (CE) requirements in Louisiana?
Louisiana requires resident producers to complete 24 hours of approved continuing education every 2 years, including at least 3 hours in ethics.
Q:What is the Louisiana Life & Health Insurance Guaranty Association coverage limit?
The Louisiana Life & Health Insurance Guaranty Association protects policyholders up to $300,000 for life insurance death benefits, $100,000 for life cash surrender values, $500,000 for health insurance claims, and $250,000 for annuity present value/cash surrender.