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Louisiana Life Insurance — License Examination Requirements

US-LA · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Business Entity Insurance Producer License — Life

Business entity life authority; natural persons personally soliciting or negotiating must separately be licensed.

Licensing authority: Louisiana Department of Insurance · Application information

Add Life related authority to a licensed business entity
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application and required fees.
Background
Supply required background disclosures; the commissioner may require registered individuals' fingerprints.
Existing License
Entity already holds an active producer license; file an amendment for the additional authority.
Line Selection
The February 2026 business entity form offers Life, Variable Life & Variable Annuities, Limited Life, Health & Accident, and Credit; each requested line requires appropriately authorized individual producers.
Registrations
Register the resident entity's members, partners, officers, directors and persons controlling at least 10 percent; report branch locations and status changes within 30 days as applicable.
Responsible Producer
Designate one or more licensed individual producers responsible for compliance; persons who personally solicit or negotiate must independently hold the appropriate authority and be registered under the business entity.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity reciprocity
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application and required fees.
Application Method
Electronic submission is mandated for nonresident applicants.
Background
Supply required background disclosures; the commissioner may require registered individuals' fingerprints.
Home License
Entity has corresponding resident authority in good standing in its home jurisdiction, which grants reciprocal licensing.
Line Selection
The February 2026 business entity form offers Life, Variable Life & Variable Annuities, Limited Life, Health & Accident, and Credit; each requested line requires appropriately authorized individual producers.
Registrations
Register the resident entity's members, partners, officers, directors and persons controlling at least 10 percent; report branch locations and status changes within 30 days as applicable.
Responsible Producer
Designate one or more licensed individual producers responsible for compliance; persons who personally solicit or negotiate must independently hold the appropriate authority and be registered under the business entity.

Official no-examination sources

Effective from 2026-09-22.

Reactivate business entity after responsible producer inactivation
No examination is required for this applicant pathway.
Cure
Designate appropriately licensed individual producers before the license expires; commissioner may reactivate.
Inactivation
Entity had no designated responsible licensed producer and failed to cure within 30 days of written notice.

Official no-examination sources

Effective from 2026-09-22.

Business entity reapplication after two years
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application and required fees.
Background
Supply required background disclosures; the commissioner may require registered individuals' fingerprints.
Lapse
License lapsed more than two years; fulfill requirements for new entity issuance.
Line Selection
The February 2026 business entity form offers Life, Variable Life & Variable Annuities, Limited Life, Health & Accident, and Credit; each requested line requires appropriately authorized individual producers.
Registrations
Register the resident entity's members, partners, officers, directors and persons controlling at least 10 percent; report branch locations and status changes within 30 days as applicable.
Responsible Producer
Designate one or more licensed individual producers responsible for compliance; persons who personally solicit or negotiate must independently hold the appropriate authority and be registered under the business entity.

Official no-examination sources

Effective from 2026-09-22.

Reinstate business entity within two years of expiration
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application and required fees.
Background
Supply required background disclosures; the commissioner may require registered individuals' fingerprints.
Lapse
Within two years of expiration; satisfy applicable fees and responsible-producer requirements.
Line Selection
The February 2026 business entity form offers Life, Variable Life & Variable Annuities, Limited Life, Health & Accident, and Credit; each requested line requires appropriately authorized individual producers.
Registrations
Register the resident entity's members, partners, officers, directors and persons controlling at least 10 percent; report branch locations and status changes within 30 days as applicable.
Responsible Producer
Designate one or more licensed individual producers responsible for compliance; persons who personally solicit or negotiate must independently hold the appropriate authority and be registered under the business entity.

Official no-examination sources

Effective from 2026-09-22.

Business entity biennial renewal
No examination is required for this applicant pathway.
Renewal
Renew all eligible lines every two years; March 31 in the even or odd year based on the license number.
Responsible Producer
Designate one or more licensed individual producers responsible for compliance; persons who personally solicit or negotiate must independently hold the appropriate authority and be registered under the business entity.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity issuance
No examination is required for this applicant pathway.
Application
Submit the Uniform Business Entity Application and required fees.
Background
Supply required background disclosures; the commissioner may require registered individuals' fingerprints.
Line Selection
The February 2026 business entity form offers Life, Variable Life & Variable Annuities, Limited Life, Health & Accident, and Credit; each requested line requires appropriately authorized individual producers.
Registrations
Register the resident entity's members, partners, officers, directors and persons controlling at least 10 percent; report branch locations and status changes within 30 days as applicable.
Responsible Producer
Designate one or more licensed individual producers responsible for compliance; persons who personally solicit or negotiate must independently hold the appropriate authority and be registered under the business entity.

Official no-examination sources

Effective from 2026-09-22.

Limited Line Credit Insurance Producer License

Credit line authority includes credit life and mortgage life; coverage extinguishes the associated credit obligation.

Licensing authority: Louisiana Department of Insurance · Application information

Add Credit to an existing producer license
No examination is required for this applicant pathway.
Application
Submit the line amendment and required fee.
Existing License
Applicant already holds a current producer license and requests this additional authority.
Scope
Act only with respect to insurance on borrowers or debtors or related collateral as authorized by the Credit line; the life portion is credit life or mortgage life.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Credit reciprocity
No examination is required for this applicant pathway.
Application
Submit the required application and fees, electronically for nonresidents.
Home License
Hold the same restricted authority in good standing in the home jurisdiction with reciprocal licensing.
Scope
Louisiana grants the same restricted authority as the home license.

Official no-examination sources

Effective from 2026-09-22.

Credit new issuance after two years
No examination is required for this applicant pathway.
Application
Submit the Uniform Application with truthful, complete information and required license fees; electronic NIPR application is recommended by LDI.
Authority Scope
Act only with respect to insurance on borrowers or debtors or related collateral as authorized by the Credit line; the life portion is credit life or mortgage life.
Disqualification
Must not be disqualified under R.S. 22:1554; when applicable, obtain the commissioner's written consent under 18 U.S.C. 1033.
Exam Score
This line has no insurance examination requirement.
File Completion
Complete the application package within 90 days; LDI states fingerprint results are valid for 90 days.
Fingerprints
Submit fingerprints for the required criminal history check after submitting the license application; LDI does not require repeat fingerprints when an active resident licensee adds a line.
Lapse
More than two years since expiration; fulfill the new issuance requirements for the restricted line.
Minimum Age
At least 18 years old under R.S. 22:1546(A)(1).
Prelicensing
PSI states there are no prelicensing requirements for life examinations.
Residency
Reside in Louisiana or maintain the principal place of business in Louisiana.
Score Window
LDI individual application revised February 2026 states: "Exam scores are valid for one year."

Official no-examination sources

Effective from 2026-09-22.

Credit reinstatement within two years
No examination is required for this applicant pathway.
Lapse
License expired no more than two years ago.
Restoration
Pay all fees and satisfy any applicable continuing education through reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Credit biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Complete continuing education only where applicable to the authorities held; Rule 10 names Life but does not include these restricted authorities in its producer applicability list.
Renewal
File the prescribed biennial producer renewal and pay applicable fees.

Official no-examination sources

Effective from 2026-09-22.

Resident Credit issuance
No examination is required for this applicant pathway.
Application
Submit the Uniform Application with truthful, complete information and required license fees; electronic NIPR application is recommended by LDI.
Authority Scope
Act only with respect to insurance on borrowers or debtors or related collateral as authorized by the Credit line; the life portion is credit life or mortgage life.
Disqualification
Must not be disqualified under R.S. 22:1554; when applicable, obtain the commissioner's written consent under 18 U.S.C. 1033.
Exam Score
No insurance producer examination is required for this restricted line.
File Completion
Complete the application package within 90 days; LDI states fingerprint results are valid for 90 days.
Fingerprints
Submit fingerprints for the required criminal history check after submitting the license application; LDI does not require repeat fingerprints when an active resident licensee adds a line.
Minimum Age
At least 18 years old under R.S. 22:1546(A)(1).
Prelicensing
PSI states there are no prelicensing requirements for life examinations.
Residency
Reside in Louisiana or maintain the principal place of business in Louisiana.
Score Window
LDI individual application revised February 2026 states: "Exam scores are valid for one year."

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Limited Life, Health and Accident

Restricted life authority for the authorized limited insurer and statutory policy limits.

Licensing authority: Louisiana Department of Insurance · Application information

Add Limited Life, Health and Accident to an existing producer license
No examination is required for this applicant pathway.
Application
Submit the line amendment and required fee.
Existing License
Applicant already holds a current producer license and requests this additional authority.
Scope
Represent an authorized limited life, health and accident insurer within R.S. 22:1547(A)(10) limits; the limited-life authority may permit coverage up to $30,000 only for qualifying appointed insurers.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Life, Health and Accident reciprocity
No examination is required for this applicant pathway.
Application
Submit the required application and fees, electronically for nonresidents.
Home License
Hold the same restricted authority in good standing in the home jurisdiction with reciprocal licensing.
Scope
Louisiana grants the same restricted authority as the home license.

Official no-examination sources

Effective from 2026-09-22.

Limited Life, Health and Accident new issuance after two years
No examination is required for this applicant pathway.
Application
Submit the Uniform Application with truthful, complete information and required license fees; electronic NIPR application is recommended by LDI.
Authority Scope
Represent an authorized limited life, health and accident insurer within R.S. 22:1547(A)(10) limits; the limited-life authority may permit coverage up to $30,000 only for qualifying appointed insurers.
Disqualification
Must not be disqualified under R.S. 22:1554; when applicable, obtain the commissioner's written consent under 18 U.S.C. 1033.
Exam Score
This line has no insurance examination requirement.
File Completion
Complete the application package within 90 days; LDI states fingerprint results are valid for 90 days.
Fingerprints
Submit fingerprints for the required criminal history check after submitting the license application; LDI does not require repeat fingerprints when an active resident licensee adds a line.
Lapse
More than two years since expiration; fulfill the new issuance requirements for the restricted line.
Minimum Age
At least 18 years old under R.S. 22:1546(A)(1).
Prelicensing
PSI states there are no prelicensing requirements for life examinations.
Residency
Reside in Louisiana or maintain the principal place of business in Louisiana.
Score Window
LDI individual application revised February 2026 states: "Exam scores are valid for one year."

Official no-examination sources

Effective from 2026-09-22.

Limited Life, Health and Accident reinstatement within two years
No examination is required for this applicant pathway.
Lapse
License expired no more than two years ago.
Restoration
Pay all fees and satisfy any applicable continuing education through reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Limited Life, Health and Accident biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Complete continuing education only where applicable to the authorities held; Rule 10 names Life but does not include these restricted authorities in its producer applicability list.
Renewal
File the prescribed biennial producer renewal and pay applicable fees.

Official no-examination sources

Effective from 2026-09-22.

Resident Limited Life, Health and Accident issuance
No examination is required for this applicant pathway.
Application
Submit the Uniform Application with truthful, complete information and required license fees; electronic NIPR application is recommended by LDI.
Authority Scope
Represent an authorized limited life, health and accident insurer within R.S. 22:1547(A)(10) limits; the limited-life authority may permit coverage up to $30,000 only for qualifying appointed insurers.
Disqualification
Must not be disqualified under R.S. 22:1554; when applicable, obtain the commissioner's written consent under 18 U.S.C. 1033.
Exam Score
No insurance producer examination is required for this restricted line.
File Completion
Complete the application package within 90 days; LDI states fingerprint results are valid for 90 days.
Fingerprints
Submit fingerprints for the required criminal history check after submitting the license application; LDI does not require repeat fingerprints when an active resident licensee adds a line.
Minimum Age
At least 18 years old under R.S. 22:1546(A)(1).
Prelicensing
PSI states there are no prelicensing requirements for life examinations.
Residency
Reside in Louisiana or maintain the principal place of business in Louisiana.
Score Window
LDI individual application revised February 2026 states: "Exam scores are valid for one year."

Official no-examination sources

Effective from 2026-09-22.

Specialty Limited Lines Credit Insurance Producer License

Specialty credit authority for retail transactions, including credit life, issued to an already licensed producer.

Licensing authority: Louisiana Department of Insurance · Application information

Annual specialty credit renewal
No examination is required for this applicant pathway.
Prior License
Already licensed as an insurance producer or limited line credit producer; submit verification.
Registration
Submit the current employee and representative list every six months with registration fees for newly registered persons.
Renewal
Submit an annual renewal application and required fee.

Official no-examination sources

Effective from 2026-09-22.

Nonresident specialty credit issuance
No examination is required for this applicant pathway.
Application
Supply the application, list of locations, employee or representative list, application fee, and registration fee before issuance.
Employees
Employee enrollment requires permission and supervision, disclosure instruction, and compensation not primarily based on insurance enrolled; update employee registration every six months.
Prior License
Already licensed as an insurance producer or limited line credit producer; submit verification.
Reciprocity
Available equally to nonresidents unless their jurisdiction refuses a substantially equivalent nonresident license to Louisiana specialty credit producers.
Scope
Credit insurance sold in qualifying retail transactions; ordinary retail limit is $10,000 per transaction, with statutory regulatory exceptions for motor vehicles and other authorized transactions.

Official no-examination sources

Effective from 2026-09-22.

Resident specialty credit issuance
No examination is required for this applicant pathway.
Application
Supply the application, list of locations, employee or representative list, application fee, and registration fee before issuance.
Employees
Employee enrollment requires permission and supervision, disclosure instruction, and compensation not primarily based on insurance enrolled; update employee registration every six months.
Prior License
Already licensed as an insurance producer or limited line credit producer; submit verification.
Scope
Credit insurance sold in qualifying retail transactions; ordinary retail limit is $10,000 per transaction, with statutory regulatory exceptions for motor vehicles and other authorized transactions.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License — Life

Temporary life producer authority to service an existing insurance business, subject to commissioner restrictions.

Licensing authority: Louisiana Department of Insurance · Application information

Temporary life authority: business entity designee
No examination is required for this applicant pathway.
Applicant
Member or employee of a licensed business entity after death or disability of the designated individual.
Duration
No more than 180 days; the license cannot continue after the owner or personal representative disposes of the business.
Limitations
Commissioner may restrict authority, require a suitable licensed producer or insurer sponsor responsible for acts, impose protective requirements, and revoke if the public interest is endangered.
Necessity
Commissioner must deem temporary licensing necessary to service the insurance business.

Official no-examination sources

Effective from 2026-09-22.

Temporary life authority: death or disability
No examination is required for this applicant pathway.
Applicant
Surviving spouse, next of kin, administrator, executor or employee of a deceased licensed producer, or spouse, next of kin, employee, legal guardian or court-appointed representative of a mentally or physically disabled licensed producer.
Duration
No more than 180 days; the license cannot continue after the owner or personal representative disposes of the business.
Limitations
Commissioner may restrict authority, require a suitable licensed producer or insurer sponsor responsible for acts, impose protective requirements, and revoke if the public interest is endangered.
Necessity
Commissioner must deem temporary licensing necessary to service the insurance business.

Official no-examination sources

Effective from 2026-09-22.

Temporary life authority: military designee
No examination is required for this applicant pathway.
Applicant
Designee of a licensed insurance producer entering active armed-forces service.
Duration
No more than 180 days; the license cannot continue after the owner or personal representative disposes of the business.
Limitations
Commissioner may restrict authority, require a suitable licensed producer or insurer sponsor responsible for acts, impose protective requirements, and revoke if the public interest is endangered.
Necessity
Commissioner must deem temporary licensing necessary to service the insurance business.

Official no-examination sources

Effective from 2026-09-22.

Temporary life authority: public interest
No examination is required for this applicant pathway.
Applicant
Another circumstance where the commissioner finds temporary issuance best serves the public interest.
Duration
No more than 180 days; the license cannot continue after the owner or personal representative disposes of the business.
Limitations
Commissioner may restrict authority, require a suitable licensed producer or insurer sponsor responsible for acts, impose protective requirements, and revoke if the public interest is endangered.
Necessity
Commissioner must deem temporary licensing necessary to service the insurance business.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Variable Life and Variable Annuity

Variable life and variable annuity line of producer authority.

Licensing authority: Louisiana Department of Insurance · Application information

Add Variable Life and Variable Annuity to an existing producer license
No examination is required for this applicant pathway.
Application
Submit the line amendment and required fee.
Existing License
Applicant already holds a current producer license and requests this additional authority.
Scope
Obtain Variable Life and Variable Annuity producer authority; satisfy any separately applicable securities qualifications as applicant conditions, not an insurance examination leaf.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Variable Life and Variable Annuity reciprocity
No examination is required for this applicant pathway.
Application
Submit the required application and fees, electronically for nonresidents.
Home License
Hold the same restricted authority in good standing in the home jurisdiction with reciprocal licensing.
Scope
Louisiana grants the same restricted authority as the home license.

Official no-examination sources

Effective from 2026-09-22.

Variable Life and Variable Annuity new issuance after two years
No examination is required for this applicant pathway.
Application
Submit the Uniform Application with truthful, complete information and required license fees; electronic NIPR application is recommended by LDI.
Authority Scope
Obtain Variable Life and Variable Annuity producer authority; satisfy any separately applicable securities qualifications as applicant conditions, not an insurance examination leaf.
Disqualification
Must not be disqualified under R.S. 22:1554; when applicable, obtain the commissioner's written consent under 18 U.S.C. 1033.
Exam Score
This line has no insurance examination requirement.
File Completion
Complete the application package within 90 days; LDI states fingerprint results are valid for 90 days.
Fingerprints
Submit fingerprints for the required criminal history check after submitting the license application; LDI does not require repeat fingerprints when an active resident licensee adds a line.
Lapse
More than two years since expiration; fulfill the new issuance requirements for the restricted line.
Minimum Age
At least 18 years old under R.S. 22:1546(A)(1).
Prelicensing
PSI states there are no prelicensing requirements for life examinations.
Residency
Reside in Louisiana or maintain the principal place of business in Louisiana.
Score Window
LDI individual application revised February 2026 states: "Exam scores are valid for one year."

Official no-examination sources

Effective from 2026-09-22.

Variable Life and Variable Annuity reinstatement within two years
No examination is required for this applicant pathway.
Lapse
License expired no more than two years ago.
Restoration
Pay all fees and satisfy any applicable continuing education through reinstatement.

Official no-examination sources

Effective from 2026-09-22.

Variable Life and Variable Annuity biennial renewal
No examination is required for this applicant pathway.
Continuing Education
Complete continuing education only where applicable to the authorities held; Rule 10 names Life but does not include these restricted authorities in its producer applicability list.
Renewal
File the prescribed biennial producer renewal and pay applicable fees.

Official no-examination sources

Effective from 2026-09-22.

Resident Variable Life and Variable Annuity issuance
No examination is required for this applicant pathway.
Application
Submit the Uniform Application with truthful, complete information and required license fees; electronic NIPR application is recommended by LDI.
Authority Scope
Obtain Variable Life and Variable Annuity producer authority; satisfy any separately applicable securities qualifications as applicant conditions, not an insurance examination leaf.
Disqualification
Must not be disqualified under R.S. 22:1554; when applicable, obtain the commissioner's written consent under 18 U.S.C. 1033.
Exam Score
No insurance producer examination is required for this restricted line.
File Completion
Complete the application package within 90 days; LDI states fingerprint results are valid for 90 days.
Fingerprints
Submit fingerprints for the required criminal history check after submitting the license application; LDI does not require repeat fingerprints when an active resident licensee adds a line.
Minimum Age
At least 18 years old under R.S. 22:1546(A)(1).
Prelicensing
PSI states there are no prelicensing requirements for life examinations.
Residency
Reside in Louisiana or maintain the principal place of business in Louisiana.
Score Window
LDI individual application revised February 2026 states: "Exam scores are valid for one year."

Official no-examination sources

Effective from 2026-09-22.