Louisiana life and health practice exam
Free life and health practice for the Louisiana producer exam: 273 general questions plus 11 Louisiana state law questions, each with an explanation.
Louisiana state law questions
Every Louisiana question with its answer, explanation, and the law it comes from.
Licensing and CE
3 questions
1. How many CE hours must a Louisiana producer with a life or accident and health license complete each renewal period?
- 24 hours, with no ethics requirement
- 24 hours, including at least 3 hours of ethics
- 12 hours, including 3 hours of ethics
- 30 hours, including 3 hours of ethics
Show answer
La. Admin. Code tit. 37, pt. XI, s. 711.
2. How many unused CE hours may a Louisiana life or health producer apply to the next renewal period?
- Up to 3
- Up to 24
- Up to 10
- None
Show answer
La. Admin. Code tit. 37, pt. XI, s. 711. Carried-over ethics and flood hours do not count toward those subjects' minimums.
3. What happens if a Louisiana producer fails to complete CE before the license renewal filing date?
- The producer receives an automatic 1-year extension
- Nothing until the next renewal
- The producer pays a fine and keeps the license
- The license lapses
Show answer
La. Admin. Code tit. 37, pt. XI, s. 711.
Life Policy Provisions
5 questions
1. Louisiana requires a life insurance grace period of:
- 30 days, or at the insurer's option, one month
- 31 days
- 10 days
- 60 days
Show answer
La. R.S. 22:931.
2. In Louisiana, a life policyholder has how long from receipt of the policy to examine it and return it?
- 14 days
- 10 days
- 20 days
- 30 days
Show answer
La. R.S. 22:931.
3. In Louisiana, a lapsed life policy may be reinstated within:
- 5 years from the date of default
- 1 year from the date of default
- 3 years from the date of default
- 2 years from the date of default
Show answer
La. R.S. 22:931.
4. A Louisiana life policy may exclude suicide within how long from the date of issue?
- 6 months
- 3 years
- 1 year
- 2 years
Show answer
La. R.S. 22:931.
5. When a Louisiana policy includes a conversion option, the insurer must notify the policyholder before the option expires at least:
- 31 days before expiration
- 1 year before expiration
- 10 days before expiration
- 90 days before expiration
Show answer
La. R.S. 22:931.
Replacement
1 questions
1. Under Louisiana's replacement regulation, insurers that use producers must keep replacement records for at least:
- 1 year
- 10 years
- 3 years
- 5 years after the termination or expiration of the proposed policy
Show answer
La. Admin. Code tit. 37, pt. XIII, s. 8909 (Regulation 70).
Guaranty Association
2 questions
1. The Louisiana Life and Health Insurance Guaranty Association covers life insurance death benefits up to:
- $500,000
- $100,000
- $300,000
- $250,000
Show answer
Cash values are covered to $100,000, according to the NAIC's chart of state guaranty laws.
2. The Louisiana guaranty association covers the present value of annuity benefits up to:
- $250,000
- $500,000
- $100,000
- $300,000
Show answer
According to the NAIC's chart of state guaranty laws.
Keep studying
The general topics make up most of the exam.
Louisiana exam questions
How much of the Louisiana life and health exam is state law?
State law is usually around 20 to 30 percent of a state's producer exam. Check the Louisiana candidate handbook from your testing provider for the exact content outline.
What does the Louisiana state law section cover?
Common areas include licensing and continuing education, required policy provisions, replacement rules, and the guaranty association. This page covers: licensing and ce, life policy provisions, replacement, guaranty association.
Where do these state questions come from?
Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.
Do I still need the general questions?
Yes. Most of the exam is general life and health knowledge. The full exam option here mixes 273 general questions with the Louisiana state law questions.