LA L&H
Louisiana Life & Health Insurance License Exam
Louisiana regulates Life & Health producer licensing through Louisiana Department of Insurance (LDI), with the exam delivered by PSI Services LLC. The combined Life & Health exam has 150 questions with a 160 minutes time limit. Passing requires 70%. The exam fee is $58. Louisiana requires 40 hours of approved prelicensing education before you may sit the exam. C3RT includes Life & Health practice content built specifically for Louisiana, covering national concepts plus Louisiana statute, producer duties, and ethics.
Life & Health Insurance Prep is in development. Notify us of your interest at [email protected].
LA L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Louisiana Life & Health Insurance License Exam |
| Governing Body | Louisiana Department of Insurance (LDI) |
| Number of Questions | 150 |
| Time Limit | 160 minutes |
| Passing Score | 70% |
| Exam Fee | $58 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Louisiana Department of Insurance (LDI) official website ↗ |
LA L&H Content Areas and Domains
Domain areas are sourced from the Louisiana Department of Insurance (LDI) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Louisiana insurance law and regulations
How C3RT Helps You Pass the LA L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the LA L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real LA L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample LA L&H Practice Questions
Q1.Under Louisiana law, what is required regarding the disclosure of performance standards for a long-term care insurance policy?
- No disclosure is required as long as the policy is filed with the Department of Insurance.
- Disclosures are only necessary if the policyholder requests a written summary of benefits.
- Federal standards apply uniformly to all long-term care policies regardless of state location.
- The insurer must provide specific disclosures and performance standards as mandated by state law.Correct
Louisiana law specifically mandates disclosure and performance standards for LTC insurance. Federal standards do not supersede these specific state requirements, and disclosures are mandatory rather than optional upon request.
Q2.Under Louisiana law, when a resident reviews their long-term care insurance policy, which statement accurately describes the disclosure requirements regarding performance standards?
- No disclosure is required as the policy is governed by private contract law.
- Federal standards apply exclusively to all long-term care insurance products regardless of state.
- The insurer must provide specific disclosures and performance standards mandated by Louisiana state law.Correct
- Disclosures are only required if the policyholder requests a written summary of benefits.
Louisiana law specifically mandates disclosure and performance standards for LTC policies. The distractors are incorrect because federal standards do not override state-specific LTC requirements, and disclosures are mandatory rather than optional upon request.
Q3.Under Louisiana law, what requirement must be included in a long-term care insurance policy regarding the lapse of coverage?
- Nonforfeiture is an optional rider for LTC products.
- The insurer must provide nonforfeiture benefits.Correct
- Only life insurance policies are subject to nonforfeiture rules.
- Coverage must be automatically extended indefinitely upon lapse.
Louisiana law specifically requires that long-term care insurance policies contain nonforfeiture benefits. The other options incorrectly suggest the benefit is optional or limited only to life insurance.
LA L&H Frequently Asked Questions
What does LA L&H stand for?
LA L&H stands for Louisiana Life & Health Insurance License Exam. It is administered by Louisiana Department of Insurance (LDI).
Who administers the LA L&H?
The Louisiana Life & Health Insurance License Exam (LA L&H) is administered by Louisiana Department of Insurance (LDI). For official information, visit the Louisiana Department of Insurance (LDI) website.
How many questions is the LA L&H?
The LA L&H consists of 150 questions. Candidates are given 160 minutes to complete the exam.
What is the passing score for the LA L&H?
The passing score for the LA L&H is 70%, as set by Louisiana Department of Insurance (LDI). Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the LA L&H exam cost?
The LA L&H exam fee is $58. This fee is set by Louisiana Department of Insurance (LDI) and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Louisiana Life & Health exam?
The Louisiana combined Life & Health exam has 150 scored questions, a 160 minutes time limit, a $58 exam fee. Passing requires 70%. It is delivered by PSI Services LLC.
Does Louisiana require prelicensing education for Life & Health?
Yes. Louisiana requires 40 hours of approved prelicensing education before you may sit the Life & Health exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through a Louisiana-approved provider.
What score do I need to pass the Louisiana Life & Health exam?
Louisiana requires 70% on the Life & Health exam. Confirm the current standard with Louisiana Department of Insurance (LDI), since passing standards can change.
Is the Life & Health exam different in Louisiana than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Louisiana tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Louisiana Department of Insurance (LDI).
C3RT is a native iOS and macOS exam preparation platform covering the Louisiana Life & Health Insurance License Exam (LA L&H), a Insurance Licensing certification, administered by Louisiana Department of Insurance (LDI). C3RT is not affiliated with or endorsed by Louisiana Department of Insurance (LDI). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Louisiana Department of Insurance (LDI) official website ↗ .