A Louisiana business entity has no licensed individual designated as responsible for its compliance and does not name one within thirty days of written notice. What does the commissioner do?La. R.S. 22:1547(L)(2)
A Louisiana insurer ends a producer's appointment for one of the causes listed in R.S. 22:1554. How soon after the effective date must it notify the commissioner?La. R.S. 22:1559(B)
A Louisiana insurer issues a policy on the application of a producer who is not authorized to represent it. What follows under R.S. 22:1564?La. R.S. 22:1564(A)(1)
A Louisiana license for limited life insurance may allow a producer to sell life insurance up to what amount?La. R.S. 22:1547(A)(10)
A Louisiana license reissued after a revocation is revoked again on a second violation. For how long may this second revocation run?La. R.S. 22:1554(E)(2)
A Louisiana producer business entity operates at several locations. What does R.S. 22:1546 require for each branch location?La. R.S. 22:1546(B)(1)(d)
A Louisiana producer is an active member of a state or national insurance association. How many continuing education credits may the commissioner grant for that participation?La. R.S. 22:1573(J)(2)
Show all 128 questions (121 more)
Commissioner, licensing and producers, continued
A Louisiana producer is convicted in district court of an offense under R.S. 22:1554(A)(7). What must go to the commissioner with the report made within thirty days?La. R.S. 22:1563(B)
A Louisiana producer keeps using a nonapproved trade name for ten or more days after the commissioner's notice to stop. What additional fine may follow?La. R.S. 22:1552(B)
A Louisiana producer knowingly converts a client's premium to his own use, with no intent to deprive the owner of it permanently. Of what crime is he guilty under R.S. 22:1554(J)?La. R.S. 22:1554(J)
A Louisiana producer lets the license lapse. Within what time from its expiration date may the same license be reinstated on proof of continuing education and payment of all fees?La. R.S. 22:1547(D)
A Louisiana producer wants to employ, in the business of insurance, a person convicted of a felony. What does R.S. 22:1554 require first?La. R.S. 22:1554(A)(18)(a)
A Louisiana producer wants to share a commission with a person who holds no Louisiana license. When does R.S. 22:1557 allow it?La. R.S. 22:1557(A)(4)
A Louisiana producer's license is revoked. How long must pass before the person may file another application for a license?La. R.S. 22:1554(E)(1)
A person regulated by the Louisiana commissioner still has not complied with a consumer complaint directive seventy-five days after its date. What is the largest fine for that occurrence?La. R.S. 22:1995(A)
A person who controls at least what share of a Louisiana producer business entity must register with the Department of Insurance under the entity's license?La. R.S. 22:1546(B)(1)(a)(i)
After a Louisiana insurer files a notice of appointment, how long does the commissioner have to verify that the producer is eligible for appointment?La. R.S. 22:1558(B)(2)
Before Louisiana issues a nonresident producer license, whom must the applicant designate as agent for service of process?La. R.S. 22:1548(B)(3)(a)
Besides being at least eighteen, where must an applicant for a Louisiana resident producer license live or work?La. R.S. 22:1546(A)(2)
By what date each year must the Louisiana commissioner publish the statistical report on the life insurance producer examinations of the preceding calendar year?La. R.S. 22:1545(I)(3)
How does the Louisiana commissioner of insurance come to office, and for what term?La. R.S. 22:2(A)(1)
How many complaints against a producer within a thirty-day period allow the Louisiana commissioner to make an examination of that producer?La. R.S. 22:1981(A)(2)
How many excess continuing education hours may a Louisiana producer carry over from one renewal period to the next?La. R.S. 22:1573(G)
How many hours of approved instruction must a Louisiana life or accident and health producer complete before each renewal of license?La. R.S. 22:1573(C)
How often must a licensed Louisiana producer file an application for renewal of the license?La. R.S. 22:1547(C)(1)
In Louisiana a license is deemed used to write controlled business when commissions from that business pass what share of all commissions earned in any twelve-month period?La. R.S. 22:1544(C)(3)
The Louisiana commissioner revokes a producer's license for a violation tied to one line of insurance. Which lines does the revocation cover?La. R.S. 22:1554(C)
Louisiana lifts the continuing education requirement for certain producers aged sixty-five or older. How many years of experience as a licensed producer must such a person have?La. R.S. 22:1573(I)(1)
Process against a nonresident producer is served on the Louisiana commissioner. Within how many days must the commissioner forward a copy to the licensee?La. R.S. 22:1548(B)(3)(c)
To which insurance does Louisiana's controlled business rule not apply?La. R.S. 22:1544(C)(2)
What continuing education credit does Louisiana grant a licensed producer who is serving a term in the legislature?La. R.S. 22:1573(K)
What does the Louisiana commissioner cause to be made on receiving a new insurer's application for a certificate of authority?La. R.S. 22:66
What follows when a Louisiana producer fails to fulfill the continuing education requirements before renewal?La. R.S. 22:1547(C)(3)
What is a Louisiana insurer fined for failing to file its renewal company appointments?La. R.S. 22:1558(B)(3)
What is the criminal penalty, on conviction, for paying a commission in Louisiana to a person not licensed as an insurance producer?La. R.S. 22:1562(B)(1)
What is the fine for each violation by a Louisiana business entity that fails to keep its registrations under R.S. 22:1546(B) current?La. R.S. 22:1546(B)(1)(e)
What is the first fine a Louisiana producer faces for using a trade name that has not been approved?La. R.S. 22:1552(B)
What is the largest fine, for each violation, the Louisiana commissioner may levy on a producer under R.S. 22:1554?La. R.S. 22:1554(A)
What is the most in fines a Louisiana producer may be made to pay under R.S. 22:1554 for all violations in one calendar year?La. R.S. 22:1554(A)
What must accompany a Louisiana producer's application to use a trade name?La. R.S. 22:1552(A)
What penalty does Louisiana set for each failure to report a change of address or legal name to the commissioner within thirty days?La. R.S. 22:1547(G)
What score does Louisiana's Insurance Code set for passing the producer examination?La. R.S. 22:1545(A)
Which act toward the Department of Insurance itself does R.S. 22:1554 list as a cause for disciplining a Louisiana producer?La. R.S. 22:1554(A)(9)
Which Louisiana resident applicant is exempt from the licensing examination under R.S. 22:1551(C)?La. R.S. 22:1551(C)(2)
Which misdemeanor conviction is a cause for discipline of a Louisiana producer under R.S. 22:1554(A)(7)?La. R.S. 22:1554(A)(7)
Who may perform all the acts and duties of the Louisiana commissioner of insurance in the commissioner's absence?La. R.S. 22:2(A)(3)
Life insurance law 29
A charitable institution is named owner of a Louisiana life policy on a donor. For how much does R.S. 22:902 give it an insurable interest?La. R.S. 22:902
A Louisiana employee leaves the job. Until when does the group life insurance on that employee continue?La. R.S. 22:942(9)
A Louisiana group life policy terminates, and a person insured under it for five years converts. To what amount may the group policy limit the individual policy?La. R.S. 22:942(11)
A Louisiana life insurer may put off making a policy loan, unless the loan is to pay premiums. For how long after the application is received?La. R.S. 22:931(A)(7)
A Louisiana life policy entered into today states a fixed maximum policy loan interest rate. How high may it be?La. R.S. 22:932(A)(1)
A Louisiana life policy is mailed with a certificate of mailing. For the ten-day free look, when is the policyowner presumed to have received it?La. R.S. 22:931(A)(10)(c)
A Louisiana life policy was issued within nine months before a creditor's seizure. How much of its cash surrender value stays exempt?La. R.S. 22:912(A)(2)
A Louisiana term life policy may be converted to permanent insurance. How long before the conversion option expires must the insurer notify the policyholder?La. R.S. 22:931(A)(12)(a)
A payee with no insurable interest collects the benefits of a Louisiana policy taken out on another person's life. Who may sue to recover them?La. R.S. 22:901(B)
A producer delivers a Louisiana life policy and the policyholder signs a delivery receipt. For how long must the insurer or its producer keep the receipt?La. R.S. 22:931(A)(10)(b)
A sixteen-year-old in Louisiana buys a life policy and signs a promissory note for a future premium. What does R.S. 22:852 say of the note?La. R.S. 22:852(B)
A statement in a Louisiana life application proves false. When does the falsity bar recovery under the contract?La. R.S. 22:860(B)
After the lapse notice required by Louisiana law is mailed, how long must pass before a life policy may be forfeited?La. R.S. 22:905(B)
At what age may a minor in Louisiana contract for life or health and accident insurance for his own benefit?La. R.S. 22:852(B)
Before a Louisiana life insurer may lapse a policy within one year after a default, when must its written notice of the amount due have been mailed?La. R.S. 22:905(A)
Besides nonpayment of premiums, which conditions may a Louisiana life policy except from its two-year incontestability clause?La. R.S. 22:931(A)(2)
How does Louisiana define an insurable interest between individuals related closely by blood or by law?La. R.S. 22:901(C)(1)
The insured and the beneficiary of a Louisiana life policy die together, and nothing shows who died first. How are the proceeds distributed?La. R.S. 22:911
Louisiana allows group life insurance on borrowers of one financial institution. How many new entrants to the group must there be yearly?La. R.S. 22:941(A)(3)
To lower the premium, a Louisiana life policy is dated back before the application. How far back may it be dated?La. R.S. 22:904
Under a Louisiana group life policy, how much of the death benefit may the insurer reserve the right to pay to a person who incurred funeral or last illness expenses?La. R.S. 22:942(6)
What choice must a Louisiana life policy give the beneficiary about the form of the benefits?La. R.S. 22:931(A)(11)
What grace period must an individual Louisiana life policy give for a premium after the first?La. R.S. 22:931(A)(1)
What may a Louisiana life insurer not provide about the person who solicits a policy and is paid by the insurer?La. R.S. 22:903
When does interest begin to accrue on the benefits of a Louisiana life insurance policy?La. R.S. 22:908
When may an application for life insurance be admitted in evidence in a Louisiana action on the policy?La. R.S. 22:857(A)
Which life policy is outside Louisiana's ten-day free look provision?La. R.S. 22:931(A)(10)(a)
Who may effect insurance on the life of a minor in Louisiana without the minor's written application or consent?La. R.S. 22:856(2)
Within what time from the default must an action be brought in Louisiana to recover under a forfeited life policy?La. R.S. 22:905(C)
Annuity contracts and replacement 7
A Louisiana annuity contract becomes incontestable two years from issue where statements were required as a condition of issuing it. Which statements are outside that rule?La. R.S. 22:951(A)(2)
A Louisiana annuity insurer overpaid because the annuitant's age was misstated. What is the highest interest it may charge on the overpayments?La. R.S. 22:951(A)(4)
After how many full years of stipulated payments must a Louisiana annuity contract specify the options available on default?La. R.S. 22:951(A)(6)
From what date does the ten-day free look on a Louisiana annuity contract run?La. R.S. 22:951(A)(8)(a)
Louisiana shields the proceeds of an annuity contract from the creditors of the annuitant. Whose rights does R.S. 22:912 save from that exemption?La. R.S. 22:912(B)(1)
Who writes the rules on replacement of life insurance and annuities in Louisiana?La. R.S. 22:910
Within what time from a default in stipulated payments must a Louisiana annuity contract allow reinstatement?La. R.S. 22:951(A)(7)
Health and accident law 23
A Louisiana employee not eligible for the federal continuation law leaves a job. For how long may group hospital, surgical, and medical insurance be continued under R.S. 22:1046?La. R.S. 22:1046(G)(1)
A Louisiana health and accident insurer cancels a policy under its cancellation provision. What must it give the named insured on written request?La. R.S. 22:975(B)(7)
A Louisiana health and accident insurer receives notice of a covered claim. What may it not do unilaterally afterward, nonpayment of premiums aside?La. R.S. 22:979
A Louisiana health and accident policy may require written notice or proof that a disability continues. How does R.S. 22:975 put the interval?La. R.S. 22:975(A)(5)
A Louisiana health insurer has notice of a covered claim for a terminal, incapacitating, or debilitating condition. What does R.S. 22:1012 still allow?La. R.S. 22:1012(C)
A Louisiana health policy was reinstated or renewed, and the insured asks in writing for a copy of the application. How soon must the insurer deliver or mail it?La. R.S. 22:857(B)
A Louisiana insurer has not received the premium on an individual accident and health policy. When must it mail the policyholder a notice that the policy will lapse?La. R.S. 22:977(B)
After how long from the date of issue may a Louisiana health and accident insurer no longer use a misstatement in the application, other than a fraudulent one, to void the policy?La. R.S. 22:975(A)(13)(a)(i)
Because of a misstated age, a Louisiana health and accident policy was continued beyond an age at which the insurer would not have renewed it. What is payable for a loss after that age?La. R.S. 22:975(B)(2)
By when must a Louisiana employee make the written election to continue group health coverage and pay the first contribution?La. R.S. 22:1046(F)
How far ahead must a Louisiana group health and accident insurer notify the policyholder of a cancellation or nonrenewal, other than for nonpayment?La. R.S. 22:978(A)(1)
How far ahead must a Louisiana group health and accident insurer notify the policyholder of a rate increase of twenty percent or more?La. R.S. 22:978(A)(1)
How long after the employee's death does a Louisiana surviving spouse have to notify the insurer that the group continuation option will be exercised?La. R.S. 22:1045(A)(5)
The insured under a Louisiana health and accident policy changes to a less hazardous occupation and writes to the insurer. What does the required provision offer?La. R.S. 22:975(A)(9)
Louisiana group health policies must let a surviving spouse stay in the group after a covered employee's death. At what age does the surviving spouse qualify under R.S. 22:1045?La. R.S. 22:1045(A)(1)
The notice rules of R.S. 22:978 may be waived by a provision in a Louisiana group health policy that covers at least how many persons?La. R.S. 22:978(A)(2)
On what may a Louisiana disability loss of income policy not solely base its definition of total disability?La. R.S. 22:990(B)
Under Louisiana's relation of earnings to insurance provision, total monthly loss of time indemnity may not be cut below the indemnity the policies specify or below what sum, whichever is the lesser?La. R.S. 22:975(B)(5)
Until what age is a grandchild a dependent under a Louisiana group health policy, when in the legal custody of and residing with the grandparent?La. R.S. 22:1003(A)(1)
What grace period must every Louisiana health and accident policy give from the date the premium was due?La. R.S. 22:977(A)
What is the latest a legal action may be brought on a Louisiana health and accident policy, counted from the time proof of loss is required to be filed?La. R.S. 22:975(A)(11)
Whose care may a Louisiana disability loss of income insurer decline to accept as the required care by a physician?La. R.S. 22:990(E)
Written notice of claim under a Louisiana health and accident policy is due within twenty days. What is the period under an industrial policy?La. R.S. 22:975(A)(3)
Unfair trade practices, fraud and penalties 16
A health insurer stops writing health and accident insurance in Louisiana. For how long afterward is issuing any line of health insurance in the state an unfair practice?La. R.S. 22:1964(22)
A Louisiana insurer requires a producer who represents several companies to limit how many other insurers the producer may represent. What penalty does R.S. 22:1964(26) set?La. R.S. 22:1964(26)
A Louisiana producer suspects that a fraudulent insurance act is being committed. Within how many days must the prescribed form go to the office of insurance fraud?La. R.S. 22:1926(A)
A Louisiana producer who only sells policies calls himself a financial planner. How does the Insurance Code treat that?La. R.S. 22:1964(19)(a)
A person knew or reasonably should have known that an act violated Louisiana's unfair trade practices law. What is the penalty ceiling for each act?La. R.S. 22:1969(A)(1)
A person who reported suspected insurance fraud in Louisiana wins a civil suit brought over the report, and the suit was not substantially justified. What may that person recover?La. R.S. 22:1928(C)
The benefit sought by a fraudulent insurance act in Louisiana does not exceed one thousand dollars. What is the longest term of imprisonment on each count?La. R.S. 22:1924(A)(1)(b)
How long does a person served with a Louisiana notice of wrongful conduct have to answer before the commissioner may make findings without a response?La. R.S. 22:1969(A)
Louisiana forbids discrimination based on the results of a genetic test. Which policies are exempt when the insurer acts in the ordinary course of business?La. R.S. 22:1964(24)
Louisiana lists tying among unfair practices. Which sale is not tying?La. R.S. 22:1964(10)(c)
R.S. 22:34 forbids unfair discrimination between insureds having substantially like risk. What does it expressly leave open to a life insurer?La. R.S. 22:34
What does the Louisiana commissioner issue to a person believed to be engaging in an unfair trade practice?La. R.S. 22:1968(A)
What is the aggregate ceiling on penalties for violating a cease and desist order of the Louisiana commissioner?La. R.S. 22:1970(A)(1)
What is the longest prison term, on each count, for a fraudulent insurance act in Louisiana where the benefit involved is more than one thousand dollars?La. R.S. 22:1924(A)(1)(a)
What is the ordinary aggregate ceiling on monetary penalties for unfair trade practices in Louisiana, at not more than $1,000 an act?La. R.S. 22:1969(A)(1)
Which of these does Louisiana say is not a rebate or unfair discrimination?La. R.S. 22:1964(8.1)
Guaranty association 7
A Louisiana producer delivers the guaranty association's summary document with a policy. What must the disclaimer on its face warn the policy owner?La. R.S. 22:2098(C)(2)
For what purpose may a Louisiana insurer or agent not use the existence of the Life and Health Insurance Guaranty Association?La. R.S. 22:2098(A)
In which parish does the Louisiana Life and Health Insurance Guaranty Association have its legal domicile?La. R.S. 22:2085(A)
On one life, what does the Louisiana guaranty association cover in life insurance death benefits?La. R.S. 22:2083(C)(2)(a)
On one life, what does the Louisiana guaranty association cover in the present value of annuity benefits?La. R.S. 22:2083(C)(2)(c)
What is the most the Louisiana guaranty association will spend, in the aggregate, with respect to any one individual?La. R.S. 22:2083(D)
Who sits on the board of directors of the Louisiana Life and Health Insurance Guaranty Association?La. R.S. 22:2086(A)
How this list was compiled: Louisiana Revised Statutes, Title 22 (Louisiana Insurance Code): R.S. 22:2, 22:34, 22:66, 22:852, 22:856, 22:857, 22:860, 22:901 to 22:905, 22:908, 22:910 to 22:912, 22:931, 22:932, 22:941, 22:942, 22:951, 22:975, 22:977 to 22:979, 22:990, 22:1003, 22:1012, 22:1045, 22:1046, 22:1544 to 22:1548, 22:1551, 22:1552, 22:1554, 22:1557 to 22:1559, 22:1562 to 22:1564, 22:1573, 22:1924, 22:1926, 22:1928, 22:1964, 22:1968 to 22:1970, 22:1981, 22:1995, 22:2083, 22:2085, 22:2086 and 22:2098, read on October 15, 2026 one section at a time on the Louisiana State Legislature's website (https://legis.la.gov/Legis/Laws_Toc.aspx?folder=75&level=Parent). The topics follow the Louisiana law citations in the Examination Content Outline, Louisiana Examination for Life, Health and Accident or Sickness Insurance, Series 103, effective February 10, 2016, published for the Louisiana Department of Insurance by its examination vendor (https://proctor2.psionline.com/programs/lains/Life%20Health%20and%20Acc%20103.pdf). Each question names its section and links to it. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course, a study guidebook or an exam question pool.
How it works
The Louisiana life and health insurance exam gives 23 percent of its questions to Louisiana insurance regulation. These 128 unofficial questions, our own, cover that law from Title 22. Law only. Not affiliated with the Louisiana Department of Insurance.
Read the full guide
What the Louisiana law part covers
The outline for Series 103 lists licensing, producer and company regulation, unfair trade practices and insurance fraud under Louisiana Insurance Regulation. It took effect in 2016; each section is asked as it reads today.
A free Louisiana life and health insurance study guide to Title 22
Louisiana elects its commissioner of insurance for a four-year term and lets a minor of fifteen contract for life insurance (R.S. 22:2, 22:852). As a study guide for the life insurance license, the bank is Louisiana law only: topics that rest on Title 37 of the Louisiana Administrative Code, such as replacement, illustrations and privacy rules, are not asked, and neither is product knowledge.
Health and accident policies carry a thirty-day grace period and a three-year time limit on certain defenses (R.S. 22:977, 22:975).
Within a year of default, a life policy lapses only after a notice mailed fifteen to forty-five days before the due date (R.S. 22:905).
A producer renews every two years; a lapsed license may be reinstated within two years of its expiration date (R.S. 22:1547).
Questions and answers
How many questions are on the Louisiana life and health insurance exam?
The outline for Series 103, Life, Health and Accident or Sickness, lists 150 questions in 160 minutes. Life (Series 101) and Health and Accident or Sickness (Series 102) each list 100 questions in 120 minutes.
What is the passing score for the Louisiana insurance exam?
Seventy percent. The outlines print a minimum passing score of 70% correct, and R.S. 22:1545 says an applicant passes the examination with a score of at least seventy percent.
How many continuing education hours does a Louisiana insurance producer need?
Twenty-four hours of approved instruction or verifiable approved self-study before each renewal, with at least three hours on ethics. No more than ten excess hours carry over (R.S. 22:1573).
Does Louisiana require prelicensing for the insurance exam?
No. The Department's Licensing Handbook, updated January 1, 2025, says there are no prelicensing requirements for all examinations except Public Adjuster and Bail Bond. It lists the combined exam, Series 103, at $58.
Are these the real Louisiana insurance exam questions?
No. They are our own, written from Title 22 of the Louisiana Revised Statutes. This site has never seen the state exam, and the Department of Insurance did not write or review them.