How to Pass the Louisiana Life, Health and Accident Insurance Exam on the First Try (2026)

Louisiana gives you a choice to make before you register: sit a single combined Life, Health and Accident or Sickness exam (Series 103), or split it into two separate exams, Life (Series 101) and Health and Accident or Sickness (Series 102). All three are administered by PSI Services LLC under contract to the Louisiana Department of Insurance (LDI).

Item	Life (101)	Health and Accident or Sickness (102)	Combined (103)
Scored items	100	100	150
Unscored experimental items	5 to 10	5 to 10	5 to 10
Time limit	120 minutes	120 minutes	160 minutes
Passing score	70% correct	70% correct	70% correct
Fee per attempt	$36	$36	$58

The 70 percent figure is a flat raw percentage, matching R.S. 22:1545(A)'s own text that a candidate "shall pass the examination if he achieves a score of at least seventy percent." It is not a scaled score, so there is no equating formula between your right answers and your result. Every attempt also mixes in a small number, 5 to 10, of unscored experimental questions; PSI's own bulletin says these "will not be scored" but "will count against examination time," which is why the posted time limits feel generous until you are actually in the seat with the clock running.

Taking the two single-line exams separately costs $72 total, $14 more than the $58 combined exam, a discount of about 19.4 percent for testing both lines at once. If you only need one line, there is no reason to pay for the combined exam. If you want both Life and Health and Accident or Sickness authority, the combined path is both cheaper and faster than sitting twice.

One operational fact trips up candidates who studied for another state first: since July 8, 2024, PSI has offered Louisiana licensing exams at test centers only. Remote proctored testing is no longer available for any Louisiana Department of Insurance candidate, at any of the nine in-state PSI locations or PSI's nationwide network for out-of-state candidates. Plan to drive to a test center; do not plan around testing from a laptop at home.

PSI's own Examination Content Outline for the combined exam breaks the 150 scored items into 13 sections.

Section	Weight
1. Louisiana Insurance Regulation	23%
2. Licensing and Regulation (Federal Regulation)	1%
3. General Insurance Concepts	7%
4. Life, Health, and Accident Insurance Basics	14%
5. Types of Life Insurance Policies	8%
6. Life Insurance Policy Provisions, Options, and Riders	13%
7. Annuities	7%
8. Individual Health and Accident Insurance Policy Provisions	7%
9. Disability Income and Related Insurance	4%
10. Medical Plans	4%
11. Group Health Insurance	3%
12. Health Insurance for Senior Citizens and Special Needs Individuals	7%
13. Federal Tax Considerations for Life and Health Insurance	2%

Section 1, Louisiana Insurance Regulation, is 23 percent of the combined exam on its own, roughly 34 to 35 of the 150 questions. That is more than twice the weight of any other single section, and more than Sections 2, 3, 9, 10, 11, and 13 combined. Do not treat it as a minor add-on at the end of your study plan; in Louisiana it is the single largest section on the test.

After regulation, the next-heaviest material splits across the Life side (Section 4's basics, Section 5's policy types, Section 6's provisions and riders, Section 7's annuities) and the Health side (Sections 8 through 10 on individual policy provisions, disability income, and medical plans, plus Sections 11 and 12 on group coverage and seniors and special needs). Section 13, federal tax considerations, is the smallest at 2 percent, but it is still worth a pass through rather than a skip.

If you are taking a single-line exam instead, the Life outline (Series 101, 8 sections) and the Health and Accident or Sickness outline (Series 102, 10 sections) both still open with Louisiana Insurance Regulation as Section 1, weighted at 10 percent on each, smaller than the combined exam's 23 percent since a single-line exam does not need to cover both lines' regulation in the same 100 items.

Since June 3, 2022, Louisiana has not required a pre-licensing course for either the Life line or the Health and Accident or Sickness line. The repeal came from Act 273 of the 2022 Regular Session (House Bill 545), which struck the prelicensing-education clause out of R.S. 22:1545 entirely and rewrote R.S. 22:1551's examination exemptions to drop the old prelicensing-course language. There is no classroom-hour minimum, no completion certificate, and no exception quietly keeping the old rule alive for part of the exam; the repeal applies to both lines alike.

That also means there is no classroom pacing you through the outline above. A course built directly from PSI's own outline, in the same proportions the exam uses, is the fastest way to replace what the old prelicensing course used to guarantee.

NAIC's compiled pass-rate data for English-language, first-time Louisiana candidates shows a real gap between the combined exam and the two single-line exams.

Exam	2024 (in-person + remote)	2025 (in-person only)
Life (101)	46.6%	29.5%
Health and Accident or Sickness (102)	49.5%	43.6%
Combined (103)	50.7%	49.5%

The combined exam has stayed roughly steady, 50.7 percent to 49.5 percent. The single-line exams fell harder, Life dropping over 17 points and Health and Accident or Sickness dropping nearly 6. The one dated, confirmed fact sitting inside that same window is the end of remote testing on July 8, 2024: 2024's figures blend in-person and remote candidates, while every 2025 figure is in-person only. That operational change is a real, documented difference between the two years, not proof on its own of what caused the drop, so treat the single-line decline as a flag to take seriously rather than a verdict on how hard the material has gotten.

Either way, roughly half of combined-exam candidates and often fewer single-line candidates pass on a given attempt. That is the baseline a real study plan has to beat.

Louisiana does not escalate waiting periods the way some states do. PSI's own bulletin states plainly: "There is no limit to the number of times you may take an examination if you fail during that one-year period." You can keep sitting the exam as many times as it takes, inside that window, without a mandatory cooling-off period stacking up against you.

The one thing you cannot do is retest the same day you fail. A candidate who fails on a Wednesday can call PSI the next day and schedule a retake as soon as Thursday, seat availability allowing, but there is no walk-back-in-and-try-again option on a failed attempt.

Whichever direction you are scheduling, cancel or reschedule at least two days before your appointment or you forfeit the exam fee; a Monday appointment needs cancellation notice by the preceding Saturday.

The LanePrep Louisiana Life, Health and Accident or Sickness course is nine audio chapters, built directly from the combined exam's 13-section outline, each with its own quiz.

Week 1, Louisiana Regulation, the biggest section on the test (Chapters 1-2, Section 1's 23%)

• Days 1-3: Chapter 1, Louisiana Insurance Regulation I: the Commissioner, Licensing, Appointments, CE and Federal Regulation (free)
• Days 4-6: Chapter 2, Louisiana Insurance Regulation II: Unfair Trade Practices, Policy Rules, Replacement and the Guaranty Association

Week 2, General Concepts, Life Basics, Life Policies, Annuities and Provisions (Chapters 3-6)

• Days 7-8: Chapter 3, General Insurance Concepts
• Days 9-10: Chapter 4, Life, Health and Accident Insurance Basics: the Application, Underwriting and the Contract
• Days 11-12: Chapter 5, Types of Life Insurance Policies and Annuities (23 questions on the combined exam, the single largest chapter)
• Days 13-14: Chapter 6, Life Policy Provisions, Options and Riders, with Federal Tax for Life

Week 3, Health Material and Exam Day (Chapters 7-9)

• Days 15-16: Chapter 7, Individual Health Policy Provisions, Disability Income and Medical Plans (23 questions, tied for the largest chapter)
• Days 17-18: Chapter 8, Group Health, Seniors and Special Needs, Federal Tax for Health
• Day 19: Chapter 9, Exam Day: PSI, Scoring and Strategy (free), then a timed run through every chapter quiz in one sitting
• Day 20: Re-drill the questions you missed, re-listen to your weakest chapter, and rest the day before your exam

Take the chapter quiz right after each listen and write down which questions you missed. Two days later, before starting the next chapter, answer those same questions again cold. If you are testing on a single line instead of the combined exam, drop the chapters for the other line and lean harder into Chapters 1, 2, and 9, since Louisiana regulation and exam-day logistics apply to every version of the exam. Chapters 1 and 9 are free at /la/l-and-h/preview, full audio and the chapter quiz, no signup.

Treating Louisiana regulation as a small section. It is 23 percent of the combined exam, the largest section by a wide margin, not a quick review the night before. Candidates who budget it like a minor topic consistently run out of time to cover licensing, unfair trade practices, replacement, and the guaranty association in the depth the exam actually tests. Give Chapters 1 and 2 the full week in the plan above, not a single evening.

Confusing the 10-day free look with the 30-day replacement right. The ordinary policyholder free-look period in Louisiana is 10 days from receipt of the policy, under R.S. 22:931(A)(10)(a): the policy may be surrendered within that ten-day period for a full refund. A separate, longer 30-day right applies only to replacement transactions, under Regulation 70 (LAC 37:XIII §8911.A.5): the replacing insurer must give notice of the right to return the policy within 30 days of delivery and receive an unconditional full refund of all premiums. These are two different rules for two different situations, and mixing them up on the exam is a common and costly error.

Using "county" instead of "parish." Louisiana is organized into parishes, not counties, and the exam material reflects that. The Louisiana Life and Health Insurance Guaranty Association, for example, has its legal domicile in the parish of East Baton Rouge. A habit of writing "county" out of old reflex is worth catching before exam day, not during it.

Assuming remote testing exists. It does not, as of July 8, 2024. Every Louisiana Department of Insurance licensing exam is now administered in person at a PSI test center. If your study plan assumes you can test from home, fix that assumption before you schedule, not after you show up without a reservation.

Passing is the halfway point, not the finish line.

The producer license application is a single flat $75 fee that covers any combination of lines of authority on one application, regardless of how many you request. Resident first-time applicants also need a fingerprint-based background check, run through IdentoGO, for $60.75. Your exam score is good for one year from the exam date, your fingerprint results are good for 90 days, and your entire application file must be complete within 90 days of submission or it is subject to closure. These three clocks run independently; do not assume one covers the others.

Once licensed, renewal is $75 every two years, with a $50 late fee if you miss the window. Continuing education is 24 hours per two-year period, with at least 3 hours dedicated to ethics, and up to 10 excess hours from one period can carry over into the next. For the full cost breakdown, including what a retake adds and where LanePrep fits into the budget, see how much a Louisiana Life and Health license costs.

Exam structure, fees, and the content outline come from PSI's own Candidate Information Bulletin for Louisiana, the Louisiana Department of Insurance's individual-application and fingerprinting-instructions forms, R.S. 22:821, 22:931, 22:1545, 22:1547, and 22:1573, Regulation 70 (LAC 37:XIII, Chapter 89), Act 273 of the 2022 Regular Session, and NAIC compiled pass-rate data for 2024 and 2025. Read October 2026.