About $194 All-In: Louisiana Life & Health License Cost 2026

Getting a Louisiana Life, Health and Accident or Sickness insurance license costs about $194 all-in if you take the combined exam, pass on your first attempt, and use IdentoGO fingerprinting: $58 for the exam, $75 for the license application, and $60.75 for fingerprinting ($193.75 exactly). If you take Life and Health and Accident or Sickness as two separate exams instead, the exam cost rises to $72, bringing that same total to about $208 ($207.75 exactly). There is no pre-licensing course sitting on top of either total; Louisiana has not required one since June 3, 2022.

• Combined exam fee: $58
• Two single exams instead: $72 ($36 each)
• License application fee: $75 (covers any combination of lines on one application)
• Fingerprinting (IdentoGO, resident first-time applicants): $60.75
• All-in, combined path: about $194
• All-in, two single-exam path: about $208
• Pre-licensing course: none required
• Exam preparation: optional, $0 to $79 for a focused course
• Continuing education: 24 hours every 2 years, including 3 ethics hours

1. Exam Fee, $58 Combined or $36 Per Single Exam

Paid to PSI Services LLC, Louisiana's contracted exam vendor, when you register. The combined Life, Health and Accident or Sickness exam is $58; the Life-only and Health and Accident or Sickness-only exams are $36 each, so taking both separately costs $72 total, $14 more than the combined option. The fee is nonrefundable and nontransferable, paid again for every attempt whether you fail, pass, or need to reschedule without the required two days' notice.

2. License Application Fee, $75

Charged by the Louisiana Department of Insurance for the producer license itself. This single flat fee covers any combination of lines of authority requested on the same application, Life, Health and Accident or Sickness, or both, rather than a separate charge per line. Adding a line later, after you already hold a license, costs another $75 for that new application.

3. Fingerprint-Based Background Check, $60.75

Required for resident first-time applicants only, not for nonresidents and not for an already-licensed resident who is only adding a line of authority. Processed through IdentoGO, which collects $60.75 at the Livescan appointment. Fingerprint results are valid for 90 days, a shorter window than your one-year exam score, so schedule your fingerprinting appointment with that in mind once you have passed.

4. Timing Your Application

Your exam score is valid for one year from the exam date. Your full application, form, fees, scores, fingerprints, and supporting documentation, must be complete within 90 days of submission or the file is subject to closure. These clocks run independently of each other, so do not let fingerprinting lapse while you are still gathering the rest of the paperwork.

Every attempt costs the exam fee again, win or lose: $58 if you retake the combined exam, or $36 for whichever single exam you retake. The $75 license application fee is a one-time cost a retake does not repeat.

Louisiana does not add an escalating waiting period for repeat failures. PSI's own bulletin states there is no limit to the number of attempts within the one-year period the exam score covers, and the only hard rule is that you cannot retest on the same day you fail; the earliest a retake can usually be scheduled is the next day, seat availability allowing. You do need to cancel or reschedule any appointment at least two days in advance, or you forfeit that attempt's fee. For the content outline, the biggest exam-day mistakes, and a study plan built around them, see how to pass the Louisiana Life, Health and Accident exam on the first try.

Louisiana has not required a pre-licensing course for the Life or Health and Accident or Sickness line since June 3, 2022, when Act 273 of that year's Regular Session repealed the old requirement from R.S. 22:1545 and R.S. 22:1551. There is no course fee to budget, no classroom-hour minimum, and no completion certificate to produce before you register for the exam or file your license application.

Once licensed, Louisiana requires 24 hours of approved instruction or verifiable self-study every two years, including at least 3 hours of ethics, to keep a Life and/or Health and Accident or Sickness license active. Up to 10 excess hours earned beyond the 24-hour minimum in one renewal period can carry over into the next, so hours you do not strictly need this cycle are not automatically wasted. CE course prices are set by individual providers, not by the Louisiana Department of Insurance, so this guide does not quote a dollar figure for them; shop CE providers separately as your renewal period approaches.

Renewal itself costs $75 every two years, with a $50 late fee if you file after the deadline. If your license lapses, you can reinstate the same license within two years of the expiration date by completing the required CE and paying the fees due; past two years, you have to requalify as for a new license, which, with no pre-licensing course to fall back on, functionally means retaking the exam.

Exam preparation is the one cost on this page you fully control.

$0, the free stack. PSI publishes the content outline for each version of the exam with the question weight of every section, and its Candidate Information Bulletin explains the format, fees, and scheduling rules. Together they tell you what is tested, not how the material works or how Louisiana law applies to it.

$14.99 to $79, a focused exam-prep course. LanePrep's Louisiana Life, Health and Accident or Sickness course is nine audio chapters built from PSI's own content outline, with a chapter quiz after every chapter. It costs $14.99 per month or $79 once as a one-time purchase. Chapters 1 and 9 are free, no signup, so you can judge the format before paying for either option.

Two realistic budgets, both including fingerprinting since it applies to most first-time resident applicants.

Combined exam, pass on the first attempt: about $194

• Exam fee $58
• License application fee $75
• Fingerprinting $60.75
• Preparation: free stack ($0), one month of LanePrep ($14.99), or the one-time option ($79)

Two single exams, pass both on the first attempt: about $208

• Exam fees $72 ($36 each)
• License application fee $75
• Fingerprinting $60.75
• Preparation: free stack ($0), one month of LanePrep ($14.99), or the one-time option ($79)

A retake adds the exam fee again, $58 for the combined exam or $36 for whichever single exam you retake, with no fingerprinting or application fee repeated.

For most self-directed candidates the cost-optimal path is:

1. Prepare from a course built for this exam's outline specifically, whichever of the three exam options you plan to take.
2. Schedule and pass the exam through PSI, at a test center since remote testing ended on July 8, 2024.
3. Get fingerprinted through IdentoGO if you are a resident first-time applicant, and file your Louisiana Department of Insurance license application within 90 days of starting it.

LanePrep covers step 1: nine audio chapters built from the Louisiana content outline, each with its own quiz, for $14.99 per month or $79 once. Chapters 1 and 9 are free. For the exam itself, the outline weights, and a study plan, read how to pass the Louisiana Life, Health and Accident exam on the first try.

Fees come from PSI's own Candidate Information Bulletin for Louisiana, the Louisiana Department of Insurance's individual-application and fingerprinting-instructions forms, and R.S. 22:821, 22:1545, 22:1547, 22:1551, and 22:1573. Read October 2026.