PassProfessor’s Louisiana program is part of the expanding PassProfessor catalog. The 9,387-question Louisiana practice bank is built and audited, and enrollment opens as the catalog expands. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exam.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
The Louisiana P&C exam, in one paragraph
The Louisiana Examination for Property and Casualty Insurance — Series 106 — is the licensing exam for Louisiana’s combined property and casualty producer authority, administered by PSI for the Louisiana Department of Insurance (LDI). It is a single combined sitting: 150 multiple-choice questions in 160 minutes, covering general property and casualty knowledge plus Louisiana’s own insurance laws, and you pass with a score of 70% correct — a standard Louisiana sets in its statute, not a scaled score. Louisiana requires no pre-licensing education for this license (the old requirement was repealed in June 2022), so the path is short but has one sequencing trap: you apply for the license through NIPR and complete LDI’s background-check authorization before anyone will accept your fingerprints. Pass, apply inside 12 months, fingerprint in LDI’s order, and you are licensed.
Who can take the Louisiana P&C exam?
Louisiana’s requirements for a resident individual producer license are set by the LDI and Title 22 of the Louisiana Revised Statutes. To be licensed with property and casualty authority, you must:
- Be at least 18 years old. NIPR’s Louisiana business rules state this plainly: an applicant must be at least eighteen, determined from the date of birth on the application.
- Be a Louisiana resident for a resident license — reside in Louisiana or maintain your principal place of business in the state. (Nonresidents licensed in good standing in their home state follow the nonresident application route instead, generally without re-examination.)
- Pass the licensing examination for the lines of authority you are applying for — for property and casualty together, that is this Series 106 exam. Property and Casualty are each exam-required lines in Louisiana, and NIPR notes that an exam is required before the state will approve the application.
- Not have committed an act that is a ground for denial, suspension, or revocation of a license. Your application asks background questions; a “yes” answer or a required disclosure means supporting documents must be ready to submit with the application — NIPR warns that all required documentation must be received within thirty days of submission or the application will be declined. Federal law (18 U.S.C. §§1033–1034, which the Series 106 outline itself tests) separately restricts people convicted of felonies involving dishonesty or breach of trust from engaging in the business of insurance without the Commissioner’s written consent.
- Complete no pre-licensing education. This deserves emphasis because so much published material gets it wrong. Louisiana once required pre-licensing coursework, and older PSI bulletins and study guides still describe course hours. The Louisiana Legislature repealed that requirement in 2022 — Acts 2022, No. 273 repealed subsection C of La. R.S. 22:1545, the examination statute, effective June 3, 2022 — and LDI’s current application process contains no education step for producers. Preparation is your own responsibility and entirely your choice.
- Be fingerprinted — but only when LDI tells you to. Every first-time individual applicant for a resident producer license must be fingerprinted for a state and federal background check. The sequence is unusual and is covered in full in §5, because doing it in the wrong order means doing it twice.
Two structural notes:
- Separate exams exist. Louisiana also offers a Property-only exam (Series 104) and a Casualty-only exam (Series 105) for candidates who want a single line. Series 106 is the combined exam and the standard route for a full P&C license — one sitting instead of two.
- An appointment is a separate step. A license gives you the authority; an appointment by an insurance company is what lets you sell that company’s products. Appointments follow licensure and are arranged with each carrier (the outline tests appointment and termination of appointment under La. R.S. 22:1558–1559).
- The application itself has rules worth knowing early. Under NIPR’s Louisiana business rules, a resident applicant may not hold another active resident license in a different state, must provide a Louisiana residence, business, or mailing address (only the mailing address may be a P.O. Box), and is not required to list an agency affiliation on the individual application — affiliations are filed by the agency after you are licensed. None of this affects your exam day, but all of it affects how fast your application moves afterward, and application fees are non-refundable when an application is filed wrong.
The exam, piece by piece
Series 106 is built from PSI’s published content outline for this exam — the outline PSI posts for Louisiana and the LDI links from its licensing pages. Unusually for a document still in force, the outline is printed “EFFECTIVE 3/1/2015”; PSI has not re-dated it, and it remains the outline linked for current candidates. PSI publishes the outline as percentage weights, not per-section question counts. The counts below are conversions of those published percentages against the exam’s 150-question total, rounded — treat the percentages as the official figures and the counts as close approximations.
| Outline section | Published weight | ≈ Questions (of 150) | What it covers |
|---|---|---|---|
| Louisiana Insurance Regulation | 23% | ≈35 | The Commissioner and LDI; licensing, appointments, maintenance and duration of licenses; unfair trade practices; rebating and twisting; fraud; continuing education; and Louisiana’s state-specific P&C laws (detailed below) |
| Licensing and Regulation | 1% | ≈1 | Federal regulation — Fair Credit Reporting Act, fraud and false statements (18 U.S.C. §§1033–1034), privacy, the National Flood Insurance Program, the Terrorism Risk Insurance Act |
| General Insurance Concepts | 8% | 12 | Risk and methods of handling it; insurable risks; insurer classifications; elements of a contract; authority and powers of producers; legal interpretations (indemnity, good faith, warranties and representations) |
| Property and Casualty Insurance Basics | 15% | ≈23 | Insurable interest; liability and damages; negligence; underwriting; rate development; policy structure, conditions, limits, coinsurance; valuation; Louisiana’s valued policy law, guaranty association, and standard fire policy appear here as required provisions |
| Dwelling Policy Concepts | 4% | 6 | DP-1/DP-2/DP-3 forms, coverages, exclusions, conditions, endorsements |
| Homeowners Policy Concepts | 10% | 15 | HO forms (HO-2, HO-3, HO-4, HO-6, HO-8), property and liability coverages, perils, exclusions, conditions, endorsements |
| Personal Automobile Policy | 7% | ≈10 | PAP liability, medical payments, uninsured/underinsured motorist, physical damage, duties after an accident, Louisiana-specific endorsements |
| Commercial Automobile Policy | 6% | 9 | Commercial auto definitions, liability and physical damage, garage and motor carrier forms, Louisiana endorsements |
| Commercial Property Policies | 7% | ≈10 | Commercial package policies, building and business personal property, business income, inland marine, equipment breakdown, farm property |
| Commercial General Liability | 7% | ≈10 | CGL coverages, occurrence vs. claims-made, limits, conditions, exposures |
| Commercial Crime | 2% | 3 | Crime definitions, insuring agreements, coverage form classifications |
| Workers’ Compensation Insurance | 5% | ≈8 | Workers’ comp and employers liability, benefits, disability levels, federal overlays (FELA, Jones Act, Longshore and Harbor Workers’ Compensation Act), rating |
| Other Types of Property and Casualty Insurance | 5% | ≈8 | Specialty liability (D&O, professional/E&O, employment practices), surety bonds, umbrella and excess, BOP, flood and earthquake — and Louisiana Citizens Property Insurance Corporation with its FAIR and Coastal Plans |
| Total | 100% | 150 | 160 minutes allowed; 70% correct to pass |
Three structural facts that shape how you should prepare:
- Louisiana law is the largest single block on the exam. Louisiana Insurance Regulation alone is 23% — roughly 35 questions — and it is not the only Louisiana content. The outline also places Louisiana’s state-specific laws inside other sections: the Valued Policy Law, the Louisiana Insurance Guaranty Association, the Louisiana standard fire insurance policy, wind and hail associations, and Louisiana cancellation and nonrenewal rules sit inside the regulation and basics material, and Louisiana Citizens with its FAIR and Coastal Plans sits inside Other Types. A candidate who studies only national material is underprepared for well over a quarter of the test.
- The regulation material is concrete. The outline anchors its Louisiana section in named statutes — unfair trade practices and unfair claims settlement practices (La. R.S. 22:1964), rebating and twisting, controlled business, shared commissions, appointment and its termination, policy forms and rates. This is deadline, definition, and dollar-figure material: learnable, testable, and unforgiving of vagueness.
- There is one score. The combined exam produces a single result against the 70% standard. A strong general-knowledge performance can offset a weaker regulation block — but with regulation at 23%, “weaker” has a low ceiling.
A note on question counts. PSI’s outline for Series 106 states the exam’s 150 questions, its 70% passing score, and its 160-minute limit directly, and weights its sections in percentages. It does not publish a scored-versus-pretest split for this exam. Some vendors’ exams mix unscored tryout questions into the total; for Series 106, no official split is published, so the working rule is the same either way: answer all 150 questions as if every one counts — on this exam, you have no official basis for assuming otherwise.
The passing standard, explained
You pass with a score of at least 70% — and in Louisiana, that means what it says.
Louisiana’s examination statute, La. R.S. 22:1545(A), provides that an applicant passes the examination “if he achieves a score of at least seventy percent,” and PSI’s outline states the minimum passing score the same way: “70% Correct.” Louisiana does not convert results to the scaled-score systems used in many other states, where a “70” is a scale point engineered to represent a standard rather than a percentage of questions answered correctly. Two consequences follow:
- Your practice percentages are meaningful. If your full-length, timed practice exams consistently land at 76–80% with no outline section collapsing, you are practicing above the actual pass mark by a real margin. If your practice sits at 68–72%, you are sitting on the line, and the line does not move for you.
- The diagnostic value of a miss is direct. Because the standard is a flat percentage of one combined exam, the fastest route from a failing practice profile to a passing one is arithmetic: find the sections where your percentage is lowest and where the outline’s weight is highest, and close that gap first. On Series 106, that almost always means the Louisiana regulation block.
Louisiana’s statute also requires the Commissioner to prepare and publish annual statistical reports on licensing examinations. Neither PSI nor the LDI publishes a Series 106 pass rate in the candidate materials for this exam, and this guide will not substitute a third-party estimate for an official figure: if a pass rate matters to your planning, the honest summary is that a 150-question exam with a hard 23% state-law block passes candidates who prepare against the outline and catches candidates who prepare against a generic national text.
Fees and registration, step by step
Keep the payments separate in your mind — they go to different places at different times, and Louisiana’s order of operations matters more than in most states.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Exam fee | $53 | PSI | When you reserve your appointment |
| License application | $75 (state fee, all lines excluding Surplus Lines) | The state, collected through NIPR | When you file your license application (a separate NIPR transaction fee also applies) |
| Fingerprinting | IdentoGO’s fee (separate) | IdentoGO/Idemia | At your fingerprint appointment — which happens only after LDI instructs you |
The sequence, in order:
- Reserve the exam with PSI. PSI is Louisiana’s examination vendor. Schedule through PSI’s Louisiana test-taker portal (test-takers.psiexams.com/ladi) or by phone at 800-733-9267. Since July 8, 2024, Louisiana licensing exams are available only at PSI testing locations — remote testing is no longer offered for Louisiana candidates, a change PSI announced on its Louisiana page. Register in the name that matches your identification, and review PSI’s candidate bulletin for the exam-day rules before you go.
- Take the exam. 150 questions, 160 minutes. Your result is determined against the 70% standard in R.S. 22:1545.
- Apply for the license through NIPR. Applications for resident producer licenses are filed electronically through the National Insurance Producer Registry; fees are collected at submission, applications fees are non-refundable, and NIPR’s Louisiana rules are unforgiving about paperwork: do not submit until your supporting documentation is ready, and know that all required documentation must be received within thirty days of submission or the application will be declined. Your passing score is valid for 12 months, so the application window is generous — but it is not open-ended.
- Complete the background check authorization, then fingerprint — in that order. This is Louisiana’s trap step, and LDI states it in capital letters for a reason. All first-time individual resident producer applicants must be fingerprinted for a state and federal criminal background check (the LDI is authorized by the FBI, through the Louisiana State Police, to receive the results). But new applicants must not fingerprint until after they have submitted a license application, completed the background check authorization form, and received fingerprinting instructions from the LDI. Fingerprints submitted before that point “will not be accepted or reviewed,” and an applicant who jumps the gun “will be required to re-fingerprint” — and pay again. Fingerprinting is handled by IdentoGO/Idemia, the statewide vendor (a change PSI and LDI implemented March 1, 2024, replacing the older process of fingerprinting at PSI test sites on exam day — another detail older guides still get wrong), with Livescan locations throughout Louisiana.
- Get appointed. Once licensed, each insurer whose products you will sell must appoint you. The license is the state’s permission; the appointment is the carrier’s.
After you pass
- Your clock is 12 months. NIPR’s Louisiana pages state the rule directly: insurance exam scores in Louisiana are valid for 12 months. Complete your application within that year of passing.
- Your application is electronic and fee-bearing. File through NIPR; the state application fee for a resident producer (all lines of authority excluding Surplus Lines) is $75, plus NIPR’s transaction fee. Fees are non-refundable, and selecting the wrong line of authority is listed by NIPR among the common errors that cost applicants their fee — double-check that you are applying for the Property and Casualty lines you tested for.
- Your fingerprints follow your application, never precede it (see §5, step 4). Nonresidents, licensees already actively licensed as residents who are adding a license type or line, and applicants reinstating within two years of a lapse are among those LDI exempts from the fingerprint requirement.
- Keeping the license is its own discipline. Louisiana producers renew biennially and must complete continuing education — per the LDI’s published CE requirements, producers licensed for property, casualty, or personal lines complete 24 hours per renewal period, including 3 hours of ethics and 3 hours of flood education. (Effective with renewals of July 2027, two of those hours must cover legislative updates in insurance law — a change to note at your first renewal, not a licensing-step concern today.) None of this is exam content you need before passing; all of it is worth knowing before you build a book of business on the license.
Retakes and score validity
- If you fail, you start the registration step over. Louisiana’s statute is specific: a person who fails to appear for the examination as scheduled, or who fails to pass, “must reapply for an examination and remit all required fees and forms before being rescheduled for another examination” (La. R.S. 22:1545(H)). The exam fee applies to each attempt.
- No statutory attempt limit. R.S. 22:1545 sets no cap on the number of attempts. The practical limits are the fee per attempt and the diminishing returns of retaking without changing your preparation — a second attempt with the same study profile usually produces the same result.
- Score validity is 12 months (see §6). A passing score that is not converted into a completed application inside a year stops supporting an application.
- A passed exam is a finished exam. Your next steps after passing are application steps, not more testing — and Louisiana’s fingerprint sequencing means the application should be started promptly, not left to the end of the validity window.
Test day
- You are testing in person. Louisiana exams have been test-center-only since July 8, 2024; there is no remote-proctored sitting to plan around. Build your schedule around a PSI testing location and a fixed appointment.
- Your registration name and your identification must agree. This is the most preventable way to lose an exam day in any state, and Louisiana is no exception — register under your legal name exactly as it appears on the government-issued identification you will present.
- Pace for the full 150. You have 160 minutes for 150 questions — about 64 seconds per question. That is tighter than it feels. Flag-and-return discipline matters: a hard question costs the same minute whether you answer it now or after the ones you know, and the regulation block’s statute-specific questions reward candidates who have drilled them rather than candidates who reason them out slowly.
- Personal items stay out of the testing room. PSI test centers enforce strict rules on belongings, electronics, and study materials; PSI’s candidate bulletin for Louisiana is the authority on what is provided and what is banned, and it should be read before test day rather than summarized from memory here.
- Know your result posture leaving the center. A pass starts the 12-month application clock and Louisiana’s application-then-fingerprint sequence (§5). A fail starts the reapply-and-remit-fees sequence (§7). Either way, you leave knowing exactly what the next step is — use it the same day.
How to study for this exam
The outline is the syllabus — PSI publishes exactly what the exam covers, section by section, and the weights above are the exam’s real proportions. A plan built on that structure:
- Start with Louisiana Insurance Regulation, and give it its 23%. Roughly 35 questions — the largest block on the exam — come from one section: the Commissioner’s duties and powers, licensing and appointments, maintenance and duration, unfair trade practices, rebating and twisting, fraud, and the state-specific statutes the outline enumerates. Drill the named Louisiana institutions until they are reflexes: the Louisiana Insurance Guaranty Association (what it covers when an insurer fails, La. R.S. 22:2051–2070), the Louisiana standard fire insurance policy (22:1311), the Valued Policy Law (22:1318), Louisiana cancellation and nonrenewal rules for commercial and homeowners lines, and Louisiana Citizens Property Insurance Corporation (22:2291–2314) — the state’s residual-market insurer, operating the FAIR Plan and Coastal Plan (22:2321) for property owners who cannot obtain coverage in the voluntary market.
- Give homeowners its full weight. Homeowners Policy Concepts is 10% — the largest pure product section — and dwelling adds another 4%. Learn the HO forms comparatively: what each covers, which perils each insures against, and how the liability and medical payments sections work.
- Treat the two big general sections as one foundation. General Insurance Concepts (8%) and Property and Casualty Insurance Basics (15%) together are nearly a quarter of the exam, and they are where the vocabulary of everything else is set — risk, negligence, underwriting, rating, policy structure, coinsurance, valuation. Weakness here taxes every other section.
- Work the commercial block as a block. Commercial auto (6%), commercial property (7%), and commercial general liability (7%) are 20% combined — a fifth of the exam that personal-lines-focused candidates chronically under-study.
- Do not skip the small sections. Workers’ compensation (5%), other types (5%), personal auto (7%), and crime (2%) are where candidates who “feel ready” leak the points that decide a 70% exam. At 64 seconds a question, these sections are also where prepared candidates bank time.
- Practice at full length, against the real clock. 150 questions in 160 minutes is a pacing skill separate from knowledge. Full generated practice exams at the real outline weights build both; short quizzes build only one.
- Read every explanation, especially for questions you got right. A right answer from a wrong reason is a wrong answer waiting for a different question — and on a flat-70% exam, your margin is exactly the questions you truly know.
- If you have already failed once, study the failure, not the whole book. Louisiana makes you reapply and pay again before you can be rescheduled, which puts real days between attempts — use them arithmetically. Your weak sections are known quantities now: rebuild your drill mix around the two or three outline sections where your percentage and the exam’s weight intersect worst, re-verify the regulation block even if it felt familiar (familiarity is not accuracy on statute-anchored questions), and do not rebook until a fresh full-length simulation — new questions, real clock — clears 70% with room to spare. A retake taken on hope costs the same $53 as a retake taken on evidence.
This program’s Louisiana practice bank (9,387 questions, including 1,655 under the Louisiana Insurance Regulation heading) is built on this same outline structure. The Louisiana Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
Frequently asked questions
How many questions are on the Louisiana P&C exam?
150 questions, in 160 minutes, on the combined Series 106 exam. PSI’s published outline states the total directly and weights the exam in percentages; it does not publish a separate pretest-question split for this exam, so answer every question as if it counts.
What is the passing score for the Louisiana insurance exam?
70% correct. Louisiana’s statute (La. R.S. 22:1545) sets the standard at a score of at least seventy percent — a true percentage, not a scaled score.
Does Louisiana require pre-licensing education for a P&C license?
No. Louisiana repealed its pre-licensing education requirement in June 2022 (Acts 2022, No. 273, repealing R.S. 22:1545(C)). Websites and books that still list Louisiana course hours are out of date. You prepare on your own, pass the PSI exam, and apply.
How much does the Louisiana P&C exam cost?
The exam fee is $53, paid to PSI when you reserve (re-verified against the current bulletin at publication — see this guide’s source log). The license application after you pass is a separate $75 state fee paid through NIPR, plus NIPR’s transaction fee, and fingerprinting through IdentoGO carries its own fee.
How do I register for the Louisiana insurance exam?
Schedule through PSI — Louisiana’s examination vendor — on its Louisiana test-taker portal or by phone at 800-733-9267. Exams are given at PSI testing locations only; remote testing for Louisiana ended July 8, 2024.
Can I take the Louisiana insurance exam online?
No. As of July 8, 2024, PSI no longer offers remote testing for Louisiana Department of Insurance candidates. All sittings are in person at PSI testing locations.
What happens after I pass the Louisiana P&C exam?
File your license application electronically through NIPR within 12 months — that is how long your score stays valid — then complete fingerprinting through IdentoGO after your application and background check authorization are on file with the LDI. Fingerprints submitted before the application will not be accepted. After licensure, obtain appointments from the insurers whose products you will sell.
How long is my Louisiana exam score valid?
Twelve months, per NIPR’s Louisiana licensing information.
If I fail, how soon can I retake the Louisiana exam?
Louisiana’s statute requires you to reapply for the examination and remit the required fees and forms before being rescheduled; it sets no attempt limit. The exam fee applies to each attempt.
Do I need to be fingerprinted before my exam?
No — and do not try. Louisiana’s sequence is application first: submit the license application through NIPR, complete the background check authorization, receive fingerprinting instructions from the LDI, and only then be fingerprinted through IdentoGO. Fingerprinting early gets your prints rejected and has to be redone.
What Louisiana-specific topics does the exam cover?
The Louisiana Insurance Regulation section (23% of the exam) covers the Commissioner and the LDI, licensing and appointments, unfair trade practices, rebating and twisting, fraud, and continuing education — plus state-specific P&C law: the Louisiana Insurance Guaranty Association, the standard fire insurance policy, the Valued Policy Law, wind and hail associations, cancellation and nonrenewal rules, and Louisiana Citizens Property Insurance Corporation with its FAIR and Coastal Plans.
Is there a separate exam for property and for casualty?
Yes — Louisiana offers Property-only (Series 104) and Casualty-only (Series 105) exams. Series 106 is the combined exam that covers both lines in one sitting, and it is the standard route to a full P&C license.
What is the difference between the exam fee and the license fee?
The $53 exam fee is paid to PSI, the testing vendor, for your exam sitting — it is owed again on every retake. The $75 license fee is a state fee for the license itself, collected through NIPR when you apply. Neither substitutes for the other, and both are separate from the fingerprinting fee.
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the Louisiana Department of Insurance, PSI, or any state agency or exam vendor. This guide is general information about the Louisiana licensing exam, current as of October 2026; LDI and PSI publications govern if anything here differs from them.