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Louisiana Property Insurance — Requirements & Free Practice

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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.

Insurance Producer License — Personal Lines

The limited major-line authority expressly covers property and casualty insurance of individuals and families for primarily noncommercial purposes under R.S. 22:1547(A)(6).

Licensing authority: Louisiana Department of Insurance · Application information

Resident continuation or restoration after military service or other extenuating circumstances
Louisiana Insurance Examination — Personal Lines Producer - Series 107
Circumstances
Military service or another extenuating circumstance, such as long-term medical disability, prevented compliance with renewal procedures.
Discretion
Request the commissioner's waiver of procedures, any examination requirement, or fines and sanctions under R.S. 22:1547(E).
Examination
Where new issuance is required after a lapse exceeding two years, the applicable currently offered line examination is involved, subject to the requested waiver.
Resident new issuance after lapse exceeding two years
Louisiana Insurance Examination — Personal Lines Producer - Series 107
Application
Submit a truthful Uniform Application through NIPR and pay applicable fees.
Eligibility
No disqualifying ground under R.S. 22:1554; obtain the commissioner's written consent under 18 U.S.C. 1033 when applicable.
Exemption
A qualifying license in another jurisdiction may support R.S. 22:1551(A) or (B) exemption.
Fingerprints
Submit fingerprints for the required state and national criminal history checks after submitting the license application and background-check authorization.
Lapse
License has been lapsed for more than two years; fulfill new-license issuance requirements under R.S. 22:1547(D).
Minimum Age
At least 18 years of age.
Passing Score
At least 70 percent on the applicable licensing examination.
Residency
Resides in Louisiana or maintains the principal place of business in Louisiana, subject to the resident-license election in R.S. 22:1546(F).
Score Timing
Submit the completed application for the line within 365 days of passing, under LAC 37:XIII.15511(C).
Resident reissuance after revocation
Louisiana Insurance Examination — Personal Lines Producer - Series 107
Application
Submit a truthful Uniform Application through NIPR and pay applicable fees.
Eligibility
No disqualifying ground under R.S. 22:1554; obtain the commissioner's written consent under 18 U.S.C. 1033 when applicable.
Fingerprints
Submit fingerprints for the required state and national criminal history checks after submitting the license application and background-check authorization.
Good Cause
The commissioner may deny a later application unless good cause is shown; R.S. 22:1551(C)(1) does not exempt a revoked license.
Minimum Age
At least 18 years of age.
Passing Score
At least 70 percent on the applicable licensing examination.
Residency
Resides in Louisiana or maintains the principal place of business in Louisiana, subject to the resident-license election in R.S. 22:1546(F).
Score Timing
Submit the completed application for the line within 365 days of passing, under LAC 37:XIII.15511(C).
Waiting Period
Do not apply within one year of effective revocation or final affirming court order. Following a second revocation the imposed period may be up to five years.
Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or a completed Uniform Application, request licensure, and pay applicable fees.
Continuation
Maintain a current home-state resident license in good standing under R.S. 22:1548(F).
Home State License
Currently holds the requested authority as a resident licensee in good standing in the home state. The other jurisdiction's license and examinations are applicant qualifications, not Louisiana examination leaves.
Reciprocity
The home state awards nonresident producer licenses to Louisiana residents on the same basis.
Service Of Process
Designate the commissioner as agent for service of process under R.S. 22:1548(B)(3).

Official no-examination sources

Effective from 2026-09-22.

Nonresident renewal
No examination is required for this applicant pathway.
Application
Submit the home-state application or a completed Uniform Application, request licensure, and pay applicable fees.
Continuation
Maintain a current home-state resident license in good standing under R.S. 22:1548(F).
Continuing Education
Home-state continuing education satisfies Louisiana requirements on a reciprocal basis under R.S. 22:1560(B).
Home State License
Currently holds the requested authority as a resident licensee in good standing in the home state. The other jurisdiction's license and examinations are applicant qualifications, not Louisiana examination leaves.
Reciprocity
The home state awards nonresident producer licenses to Louisiana residents on the same basis.
Renewal
Renew every two years and pay applicable fees.
Service Of Process
Designate the commissioner as agent for service of process under R.S. 22:1548(B)(3).

Official no-examination sources

Effective from 2026-09-22.

Reactivation of a cancelled line within two years
No examination is required for this applicant pathway.
Application
Apply to add the line, pay the fee, and provide evidence of required continuing education.
Time Limit
The line was cancelled by renewing only other lines; reactivate within two years of cancellation.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within two years after lapse
No examination is required for this applicant pathway.
Continuing Education
Fulfill all continuing education that would have applied through reinstatement.
Examination
The same license is reinstated under R.S. 22:1547(D); qualifying resident applicants are also exempt under R.S. 22:1551(C)(1).
Fees
Pay all fees due.
Time Limit
Apply within two years after license expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
Louisiana Insurance Examination — Personal Lines Producer - Series 107
Application
Submit a truthful Uniform Application through NIPR and pay applicable fees.
Eligibility
No disqualifying ground under R.S. 22:1554; obtain the commissioner's written consent under 18 U.S.C. 1033 when applicable.
Exam Selection
Pass the examination for the requested line.
Fingerprints
Submit fingerprints for the required state and national criminal history checks after submitting the license application and background-check authorization.
Line Of Authority
personal-lines
Minimum Age
At least 18 years of age.
Passing Score
At least 70 percent on the applicable licensing examination.
Residency
Resides in Louisiana or maintains the principal place of business in Louisiana, subject to the resident-license election in R.S. 22:1546(F).
Score Timing
Submit the completed application for the line within 365 days of passing, under LAC 37:XIII.15511(C).
Resident issuance based on a Louisiana license expired within two years
No examination is required for this applicant pathway.
Application
Meet the other issuance requirements; the examination is exempt under R.S. 22:1551(C)(1).
Discipline
The prior license was not revoked or suspended and renewal was not refused.
Prior License
Held the same line under a similar Louisiana license, other than temporary, within two years of expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure with a qualifying prior license in another jurisdiction
No examination is required for this applicant pathway.
Application
Satisfy the other resident-application requirements; R.S. 22:1551(A) exempts the examination.
Same Authority
Previously held the same line of authority; currently licensed there, or apply within 90 days of cancellation with evidence of good standing at cancellation.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Continuing Education
Personal lines and property: 24 approved hours including at least three ethics hours and three flood hours. Industrial fire is not named among the lines subject to the 24-hour requirement in R.S. 22:1573(D) or LAC 37:XI.705(A).
Deadline
Expiration follows license-number parity and birth month under LAC 37:XIII.15515(A).
Exemptions
The continuing-education exemption in R.S. 22:1573(I) and LAC 37:XI.705(B)(4) is available to eligible producers age 65 or older with at least 15 years of experience.
Renewal Period
Apply every two years and pay applicable fees, including late fees when applicable.

Official no-examination sources

Effective from 2026-09-22.

Transfer to Louisiana resident licensure
No examination is required for this applicant pathway.
Deadline
Apply within 90 days after establishing Louisiana legal residence.
Prior License
Holds the same line as a producer in another jurisdiction.
Regulatory Qualification
R.S. 22:1551(B) exempts previously held lines except where the commissioner determines otherwise by regulation; LAC 37:XIII Chapter 155 supplies the application and examination procedures.

Official no-examination sources

Effective from 2026-09-22.

Louisiana Insurance Examination — Personal Lines Producer - Series 107

Provider
PSI Services LLC
Format
Computer-administered examination at a PSI testing location
Exam questions
100 scored questions; the bulletin permits 5 to 10 additional unscored experimental questions
Time limit
120 minutes
Passing score
70% correct
Exam fee
$36.00
Examination outline
  • Louisiana Insurance Regulation (15%)
    • Licensing
    • Fingerprinting requirements (22:1694)
    • Background check (22:1694)
    • Application (22:1694)
    • Pre-licensing requirements (22:1571)
    • Types of licenses (22:1547, 1962(F))
    • Individual producer (22:1542(6), 1546(A))
    • Business entity (22:1542(2), 1546(B))
    • Resident versus nonresident (22:1546, 1548, 1560)
    • Temporary (22:1553)
    • Maintenance and duration
    • Refusal, suspension, revocation (22:1547; 22:1554)
    • Renewal/nonrenewal (22:1547(C); 22:1142; 22:887)
    • Reinstatement (22.1142)
    • Change of name, address, telephone number (22:1547(G))
    • Assumed names (22:1552)
    • Reporting of actions (22:1563)
    • Continuing education requirements including exemptions and penalties (37:XI:10.703, .705 & Rule 10.711)
    • Inactivity due to extenuating circumstances
    • Inactivity due to military service
    • Disciplinary actions
    • Hearings (22:1968, 2191, 2193-2195, 2197, 2198, 2204-2208)
    • Cease and desist order (22:1969)
    • Civil/criminal (22:1554)
    • Penalties/fines (22:16; 22:1457; 22:1969-1970)
    • State regulation
    • Commissioner's general duties and powers (22:2, 1967)
    • Acts constituting insurance transaction (22:23; 22:1542(6)
    • Negotiate (22:23; 22:1542(6)
    • Sell (22:23; 22:1542(6)
    • Solicit (22:23; 22:1542(6)
    • Company regulation
    • Certificate of authority (22:65, 66)
    • Solvency (22:571)
    • Financial requirements (22:571)
    • Records maintenance (22:68)
    • Policy forms/rates/exceptions (22:864)
    • State of domicile
    • Producer regulation
    • Controlled business (22:1544(C))
    • Policy and application signatures (R.S. 9:2605)
    • Premium payment (H.B.-1032 (13); 22:855)
    • Producer representation
    • Commissions/compensations/fees ((22:1542 (3); 22:1557)
    • Fiduciary responsibility
    • Records maintenance (22:68)
    • Claims reporting (22:523)
    • Prohibited or unfair trade practices (22:1964)
    • Misrepresentation (22:1964(1, 18))
    • False or deceptive advertising (22:1964(2))
    • Defamation (22:1964(3))
    • Boycott, coercion and intimidation (22:1964(4))
    • False financial statements (22:1964(5))
    • Unfair discrimination (22:1964(7); 22:34)
    • Rebating and twisting (22:1964(8); 37:XIII.575 (B)(1)
    • Prohibited fees/premium/extra charges (22:1964)
    • Discrimination (22:34; 22:1964 (7)
    • Larceny, acting without a license (22:1964)
    • Claims settlement (22:1964)
    • Misappropriation of funds (22:1964)
    • Testimonials and comparisons (22:1964)
    • Non-disclosure of fees or charges (22:1964)
    • Examination of books and records (22:1967, 1981, 1990)
    • Privacy of Consumer Financial Information (37:XIII.9903– .9953)
    • Federal regulation
    • Other federal regulations (e.g.Do Not Call List) (https://www.donotcall.gov)
  • Licensing and Regulation (2%)
    • Federal Regulation
    • Fair Credit Reporting Act
    • Fraud and False Statements (18 USC Sections 1033 and 1034)
    • Privacy (Gramm Leach Bliley)
    • National Flood Insurance Program
  • General Insurance Concepts (13%)
    • Risk
    • Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
    • Elements of Insurable Risks
    • Definitions (e.g., Risk, Hazard, Peril, Loss)
    • Classifications of Insurers
    • Mutual, Stock
    • Admitted, Non-Admitted
    • Foreign, Domestic, Alien
    • Elements of a Contract
    • Consideration
    • Competent Parties
    • Legal Purpose
    • Offer
    • Acceptance
    • Authority and Powers of Producers
    • Express
    • Implied
    • Apparent
    • The Law of Agency
    • Legal Interpretations Affecting Contracts
    • Reasonable Expectations
    • Indemnity
    • Good Faith
    • Fraud
    • Warranties, Representations, Misrepresentations, and Concealment
  • Property and Casualty Insurance Basics (25%)
    • Insurable Interest
    • Liability
    • Absolute
    • Strict
    • Vicarious
    • Underwriting
    • Purpose
    • Process
    • Rate Development
    • Types
    • Components
    • Types of Hazards
    • Types of Perils
    • Named
    • Special
    • Types of Loss
    • Direct
    • Indirect
    • Loss Valuation
    • Actual Cash Value
    • Replacement Cost
    • Functional Replacement Cost
    • Market Value
    • Agreed Value
    • Valued Policy
    • Basic Types of Construction
    • Negligence
    • Torts
    • Elements of a Negligent Act
    • Defense Against Negligence
    • Accident versus Occurrence
    • Policy Structure
    • Declarations
    • Definitions
    • Insuring Agreement
    • Supplementary Coverage
    • Conditions
    • Exclusions
    • Endorsements
    • Policy Conditions
    • Insureds
    • Policy Period
    • Policy Territory
    • Cancellation and Non-Renewal
    • Deductibles
    • Other insurance (e.g. Primary and Excess, Pro Rata, Nonconcurrency, Contribution by Equal Shares)
    • Limits of Liability
    • Per Accident
    • Per Occurrence
    • Per Person
    • Aggregate
    • Split
    • Combined Single Limit
    • Coinsurance
    • Purpose
    • Definition
    • Calculation
    • Penalties
    • Total versus Partial Loss
    • Specific, Scheduled, and Blanket Insurance
    • Vacant versus Unoccupied
    • Named Insured Provisions
    • First Named Insured versus Other Insureds
    • Duties After Loss
    • Assignment
    • Waiver of Rights
    • Insurer Provisions
    • Liberalization
    • Subrogation
    • Claim Settlement Options
    • Duty to Defend
    • Third-Party Provisions
    • Standard Mortgage Clause
    • Loss Payable Clause
    • No Benefit to the Bailee
    • Louisiana laws, regulations and required provisions
    • Louisiana Valued Policy Law (22:1318)
    • Louisiana Insurance Guaranty Association (22:2051–2070)
    • Louisiana standard fire insurance policy (22:1311)
    • Wind and Hail Associations
    • Assigned risk/JUA
    • Cancellation and nonrenewal (22:887)
    • Homeowners (22:1265, 1333, 1335, 1336)
    • Binders (22:870, 1555)
    • Loss payment (22:1892)
    • Arbitration (R.S. 9:4201-4206)
    • Certificates of insurance (22:890 1&2)
    • Federal Terrorism Insurance Program 15 USC 6701; Public Law 107-297, 109-144, 110-160)
  • Dwelling Policy Concepts (9%)
    • Dwelling Policy
    • Characteristics
    • Eligibility
    • Purpose
    • Policy Definitions
    • Coverage Forms Specifying Perils Insured Against
    • DP-1 Basic
    • DP-2 Broad
    • DP-3 Special
    • Property Coverages
    • Dwelling
    • Other Structures
    • Personal Property
    • Fair Rental Value
    • Additional Living Expense
    • Dwelling Policy Exclusions
    • Dwelling Policy Conditions
    • Dwelling Policy Endorsements
    • Automatic Increase in Insurance
    • Dwelling Under Construction
    • Theft Coverage
    • Personal Liability Supplement
  • Homeowners Policy Concepts (17%)
    • Homeowners Policy
    • Characteristics
    • Eligibility
    • Purpose
    • Policy Definitions
    • Perils Insured Against
    • Basic
    • Broad
    • Special
    • Homeowners Policy Coverage Forms
    • Broad (HO-2)
    • Special (HO-3)
    • Contents Broad (HO-4)
    • Unit-Owners (HO-6)
    • Modified Coverages (HO-8)
    • Property Coverages
    • Dwelling
    • Other Structures
    • Personal Property
    • Loss of Use
    • Additional Coverages
    • Liability Coverages
    • Personal Liability
    • Medical Payments to Others
    • Homeowners Policy Exclusions
    • Homeowners Policy Conditions
    • Homeowners Policy Endorsements
    • Business Pursuits
    • Earthquake
    • Home Day Care
    • Personal Injury
    • Personal Property Replacement Cost
    • Watercraft
    • Identity Theft
    • Scheduled Personal Property/Personal Articles Floater
  • Personal Automobile Policy (15%)
    • Personal Automobile Policy
    • Definitions
    • General Provisions
    • Conditions
    • Duties After an Accident
    • Endorsements
    • Amendment of Policy Provisions — Louisiana (PP 01 95) 02/12
    • Extended Non-Owned Coverage (PP 03 06) 01/05
    • Miscellaneous Type Vehicle (PP 03 23) 01/05
    • Joint Ownership Coverage (PP 03 34) 01/05
    • Named Driver Exclusion — Louisiana (PP 13 43) 09/06
    • Personal Automobile Policy Liability
    • Bodily Injury and Property Damage
    • Supplemental Payments
    • Persons Insured
    • Exclusions
    • Expenses for Medical Services
    • Uninsured/Underinsured Motorist Coverage
    • Physical Damage
  • Other Types of Property Insurance (4%)
    • Personal Umbrella and Excess Policies
    • Mobile Home Policy
    • Purpose of Difference in Conditions
    • Flood and Earthquake Insurance Coverages
    • Louisiana Citizens Property Insurance Corporation (LRS 22:2291–2314)
    • FAIR and Coastal Plans (LRS 22:2321)
Examination sources