Louisiana Life & Health Insurance Practice Test 2026
Practice the exam Louisiana uses, from general life & health knowledge to Louisiana's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Louisiana's own insurance law.
150 scored questions, 2 hours 40 minutes allowed, 70% to pass.
Last verified September 2026 · Examination Content Outline
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About the Louisiana Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Louisiana Life & Health test
Louisiana's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Louisiana Insurance Regulation23%
- Licensing and Regulation1%
- General Insurance Concepts7%
- Life, Health, and Accident Insurance Basics14%
- Types of Life Insurance Policies8%
- Life Insurance Policy Provisions, Options, and Riders13%
- Annuities7%
- Individual Health and Accident Insurance Policy Provisions7%
- Disability Income and Related Insurance4%
- Medical Plans4%
- Group Health Insurance3%
- Health Insurance for Senior Citizens and Special Needs Individuals7%
- Federal Tax Considerations for Life and Health Insurance2%
Source: PSI Louisiana Examination Content Outline, Life, Health and Accident or Sickness Insurance — Series 103, "EFFECTIVE 2/10/2016" (150 questions, 160 minutes, 70% correct to pass; the outline states that unscored pretest items may be added on top of the 150) (Louisiana Examination Content Outline - Life, Health and Accident or Sickness Insurance, Series 103). Confirm current weights with the testing company before you book.
What to bring to the Louisiana exam
Louisiana official sources
- Methods, acts, and practices defined as unfair or deceptiveLa. R.S. 22:1964 · Louisiana State Legislature (legis.la.gov)
- La. R.S. Title 22, insurance contract and standard policy provisions22:861, 862, 863, 865, 866, 867, 884, 931, 942, 951 and 977 · Louisiana State Legislature (legis.la.gov)
- Insurance CodeGroup, Family Group, Blanket and Association Health and Accident Insurance (La. R.S. 22:978, 1000, 1003, 1003.1, 1024, 1025, 1045, 1046, 1061-1071) · Louisiana State Legislature (legis.la.gov)
- Insurance CodeGroup Life Insurance (La. R.S. 22:941 through 22:945) · Louisiana State Legislature (legis.la.gov)
- Insurance CodeHealth and Accident Insurance Policy Provisions (La. R.S. 22:971 through 22:995) · Louisiana State Legislature (legis.la.gov)
- Insurance CodeThe Insurance Contract; Provisions Applicable to All Insurers (La. R.S. 22:851 through 22:890) · Louisiana State Legislature (legis.la.gov)
- Insurance CodeLife Insurance Policies and Annuity Contracts (La. R.S. 22:901-919, 22:931-936, 22:951-961) · Louisiana State Legislature (legis.la.gov)
- Life and Health Insurance Guaranty Association Law (La. R.S. 22:2081 through 22:2099)Louisiana State Legislature (legis.la.gov)
All Louisiana insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Louisiana provisions the questions on this page cite most often.
- La. R.S. § 22:1964 · Boycott, Coercion and Intimidation16 questions
- La. R.S. § 22:931 · Grace Period10 questions
- La. R.S. § 22:942 · Group Life Standard Provisions - The Contract6 questions
- La. R.S. § 22:951 · Annuity Grace Period5 questions
- La. Rev. Stat. § 22:1964 · False statement on dividends previously paid5 questions
- La. R.S. § 22:863 · Standard Provisions - Waiver by the Commissioner3 questions
- La. R.S. tit. 22 § 975 · Required Provisions; Notice of Claim3 questions
- La. R.S. § 22:867 · Must Contain Entire Contract with Exceptions2 questions
Exam figures on this page were checked against official pages: Pre-licensing · License fee. Confirm anything you rely on with the testing company and the Louisiana Department of Insurance.