Louisiana life line
The Louisiana life insurance exam.
The Louisiana life insurance exam is 100 scored questions, in 120 minutes, passing at 70 percent, $36 per attempt, administered by PSI Exams. We sell study materials and practice exams for it, written from the official Louisiana outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Louisiana Examination for Life Insurance |
| Scored questions | 100 |
| Pretest questions | not published |
| Time limit | 120 minutes |
| Passing score | 70 percent |
| Exam fee | $36 |
| Testing vendor | PSI Exams |
| Retake rules | You cannot rebook on the day you fail. You can call or schedule the next day and retest as soon as the day after that, if a seat is open. The full exam fee applies to each retake. |
| Prelicensing education | not required for the life line |
Checked against PSI Exams' official materials. Specs change, so confirm them when you register.
How to get your Louisiana life insurance license
- 1
Meet the basics
Louisiana sets its own age, background check and application rules. The Louisiana insurance department lists them, so read them before you book.
- 2
Study the exam outline
Louisiana does not require prelicensing education for the life line, so your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with PSI Exams
Register at PSI Exams, pick a test center or online proctoring where offered, and pay the $36 exam fee.
- 4
Pass the exam
Walk in knowing the format, 100 scored questions in 120 minutes, passing at 70 percent. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Louisiana exam covers
From the official exam outline, each section's share of the exam and how many of the 100 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Louisiana Insurance Regulation | 10 percent | 10 questions |
| Licensing and Regulation | 2 percent | 2 questions |
| General Insurance Concepts | 10 percent | 10 questions |
| Life Insurance Basics | 16 percent | 16 questions |
| Types of Life Insurance Policies | 17 percent | 17 questions |
| Life Insurance Policy Provisions, Options, and Riders | 26 percent | 26 questions |
| Annuities | 11 percent | 11 questions |
| Federal Tax Considerations for Life Insurance | 8 percent | 8 questions |
Free Louisiana practice questions
Original questions written to the Louisiana outline, the same bank our students drill. Tap a question to check the answer.
Question 1What is the key difference between a producer license and a business entity (agency) license in Louisiana?
- A. A business entity license replaces the need for any individual to be licensed
- B. A business entity license allows unlicensed employees to sell insurance freely
- C. A business entity license is issued to a firm, which must have a designated licensed producer responsible for compliance
- D. A business entity license is only for out-of-state companies
Show the answer
Answer: C
A business entity license is issued to a firm and requires a designated responsible licensed producer to ensure compliance. It does not eliminate the need for individuals within the firm to be properly licensed. It is not limited to out-of-state companies. It does not permit unlicensed employees to sell insurance.
Question 2The Commissioner suspects an insurer is not keeping enough money to pay future claims and orders a financial review of its books. This action is best described as which regulatory function?
- A. A criminal prosecution of the insurer's officers
- B. A replacement transaction review
- C. An examination to monitor insurer solvency
- D. A free look enforcement action
Show the answer
Answer: C
Reviewing an insurer's financial condition to ensure it can meet obligations is a solvency examination, a key duty of the Commissioner. Criminal prosecution is handled by prosecutors, not through a financial examination. A replacement review concerns swapping one policy for another, not insurer finances. Free look enforcement deals with a policyholder's right to return a new policy, which is unrelated.
La. R.S. Title 22 (Commissioner solvency and examination authority)
Question 3A company licensed in Louisiana but organized under the laws of Texas is classified in Louisiana as which type of insurer?
- A. An unauthorized insurer
- B. An alien insurer
- C. A domestic insurer
- D. A foreign insurer
Show the answer
Answer: D
An insurer organized in another US state is a foreign insurer in Louisiana. A domestic insurer is one organized in Louisiana. An alien insurer is organized in another country. It is not unauthorized here because it is licensed in Louisiana.
Question 4How does an unfair method tied to compensation differ from a lawful commission for a Louisiana producer?
- A. There is no legal difference between the two
- B. A commission is illegal but a referral bonus is always legal
- C. Both are always legal if disclosed to the client
- D. A lawful commission is paid to a licensed and appointed producer for placed business, while paying an unlicensed person for a sale is prohibited
Show the answer
Answer: D
Compensation is lawful when paid to a producer who is licensed for the line and properly appointed for business actually placed. Paying an unlicensed person for selling or soliciting is prohibited regardless of disclosure. It is not true that all compensation is legal if disclosed, nor that commissions are illegal while bonuses are always fine, and there is a real legal difference based on licensure.
La. R.S. Title 22, producer compensation and payment to unlicensed persons
Question 5Agent Kevin convinces a client to drop her existing policy and buy a new one by misrepresenting the terms of both policies. This conduct is best classified as which unfair practice?
- A. Coercion
- B. Twisting, a form of misrepresentation
- C. Rebating
- D. Defamation
Show the answer
Answer: B
Twisting is inducing a policyholder to replace a policy through misrepresentation or incomplete comparison, and it falls under prohibited misrepresentation. Rebating is offering value to induce a sale. Coercion is forcing a business decision. Defamation targets a competitor's reputation. The key here is the misleading persuasion to replace, which is twisting.
Take the free Louisiana practice test, every question with the answer and the explanation
Louisiana exam FAQs
How many questions are on the Louisiana life insurance exam?
100 scored questions, with 120 minutes on the clock.
What score passes the Louisiana exam?
You need 70 percent to pass.
How much does the Louisiana life insurance exam cost?
The exam fee is $36 per attempt, paid to PSI Exams. Licensing application and fingerprint fees are separate.
What happens if I fail the Louisiana exam?
You cannot rebook on the day you fail. You can call or schedule the next day and retest as soon as the day after that, if a seat is open. The full exam fee applies to each retake. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Louisiana require prelicensing education before the exam?
No. Louisiana does not require prelicensing education for the life line, which means how you study is up to you and practice exams carry more of the load.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Louisiana exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (100 questions, 120 minutes), and a mastery map that shows what to study next.