Is the Louisiana Life & Health Exam Hard? Pass Rates and Difficulty (2026)

The Louisiana Life, Health and Accident or Sickness exam is a real test, and the numbers say so. In the 2025 NAIC compiled pass-rate workbook, which counts English-language first-time candidates, 29.5% passed the Life exam (367 of 1,246 who tested), 43.6% passed the Health and Accident or Sickness exam (180 of 413), and 49.5% passed the combined Life, Health and Accident or Sickness exam (1,201 of 2,424).

Nobody should read those figures as a verdict on how hard the material is for a prepared candidate. They include everyone who walked in after a weekend of skimming.

The good news is that nothing about the format is mysterious. The passing score is a plain 70% raw score, there is no mandatory course to complete first, and a failed attempt can be retaken without a cap on the number of tries. The exam rewards steady, structured practice.

Here are the NAIC compiled figures for first-time candidates, side by side.

Life (Series 101): 46.6% in 2024 (778 of 1,671 tested, in-person and remote combined) and 29.5% in 2025 (367 of 1,246, in-person only).

Health and Accident or Sickness (Series 102): 49.5% in 2024 (157 of 317) and 43.6% in 2025 (180 of 413).

Life, Health and Accident or Sickness (combined, Series 103): 50.7% in 2024 (1,277 of 2,517) and 49.5% in 2025 (1,201 of 2,424).

Be careful with the trend. Remote testing for Louisiana Department of Insurance candidates ended on July 8, 2024, so the 2024 numbers mix in-person and remote candidates while the 2025 numbers are in-person only. We cannot tell from the published workbooks how much of the movement comes from that change and how much from the exam itself. The honest reading is that the Life-only exam was the hardest of the three to pass in the most recent year, the combined exam stayed close to where it was, and none of this tells you what your odds are once you have prepared.

The workbooks also report no repeat-taker rate.

1. It is long and it is timed. The Life and Health and Accident or Sickness exams each have 100 scored questions in 120 minutes. The combined exam has 150 scored questions in 160 minutes. PSI also states that a small number, 5 to 10, of unscored experimental questions may be mixed in, and those count against your time. You cannot tell which ones they are, so every question deserves a full read.

2. It is a raw percentage. Louisiana law sets the bar at a score of at least 70 percent (R.S. 22:1545(A)). It is not a scaled score, so there is no curve to lean on.

3. The Louisiana regulation section carries real weight. On the combined exam, Louisiana Insurance Regulation is 23% of the content, the single largest block in the outline. On the single-line exams it is 10%. The outlines cite Louisiana statutes and Administrative Code sections by number, so the questions expect precise answers, such as which refund period applies to which transaction.

4. Policy provisions are the biggest block on the Life exam. Life Insurance Policy Provisions, Options, and Riders is 26% of the Life exam. Disability Income is 15% of the Health exam, and Individual Accident and Health Insurance Policy Provisions and Health Insurance for Senior Citizens and Special Needs Individuals are 14% each.

The published data do not break candidates down by study method, so we cannot give you a measured list of reasons. What we can say, from the structure of the exam and the questions candidates meet, is where marks are usually lost.

1. Skipping the state-law section. It is a large share of the combined exam, and general national study material only covers part of it.
2. Mixing up look-alike terms. Louisiana has a 10-day free look on a new policy and a separate 30-day right on a replacement. Fraud, misrepresentation and concealment, and express, implied and apparent authority, are the same kind of trap.
3. Weak numbers practice. Taxation of withdrawals and surrenders, COBRA premium caps and out-of-pocket maximums reward worked examples on paper, not just reading.
4. Picking the wrong exam. The combined exam is 150 questions, and the two single-line exams together cost more than the combined one. Decide which license you actually need before you study.

Aim for a steady daily routine rather than a single long weekend. Work through the outline section by section, weighting your time by the percentages above, and spend extra sessions on Louisiana regulation and on policy provisions.

Use the questions as your measuring stick. Our free practice sets are organised by outline topic, so you can see exactly which block is costing you marks. Start with the free Louisiana practice questions hub, read how to pass the exam on the first try, and check the exam format and passing score so nothing on test day surprises you.

Because Louisiana has had no pre-licensing course requirement since June 3, 2022, the exam is the only gate between you and the application. That makes preparation the whole game. Our audio lessons and quiz bank are built for exactly that job: hear a chapter on the commute, then test yourself on it. You can try the course preview before you decide anything.