How to Get a Property and Casualty License in Louisiana

Written by: Mary Gerardine

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How to Get a Property and Casualty License in Louisiana

Getting your Louisiana property and casualty license is the first step toward becoming a P&C insurance agent in Louisiana.

The Louisiana Department of Insurance requires you to complete a five-step process to obtain your property & casualty license – from taking the P&C insurance exam to applying for a P&C license.

These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

How to Get Your Louisiana Property and Casualty Insurance License

  1. Complete a Louisiana Pre-License Education Course (Kaplan – $139)
  2. Take the Louisiana Licensing Exam (PSI Exams – $53)
  3. Get a Fingerprint-Based Background Check (PSI Exams – $39.25)
  4. Complete a Louisiana License Application (National Insurance Producer Registry (NIPR) – $75 application fee + $5.60 transaction fee)
  5. Watch for Your Application Results

Property and Casualty Insurance License Louisiana

Obtaining your Louisiana P&C insurance license isn’t difficult. Just follow these five steps to start your journey toward becoming a P&C insurance agent. Once you earn this license, check out our guide on how to get your Louisiana life insurance license as well.

Step 1: Complete a Louisiana Pre-License Education Course

Before you take the Louisiana P&C insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

While Louisiana doesn’t have any formal pre-license education requirements, most insurance professionals opt to take a pre-license education course online. Pre-license education courses are self-paced and include study materials like practice exams and flashcards. Others purchase books or self-study materials to prepare themselves for the exam.

A pre-license education course provides very specific industry knowledge that insurance professionals will encounter during the exam. There are very few questions on this test that you can answer with “common sense” information.

You can complete insurance licensing courses on your own schedule and at your own pace when you choose online courses. Taking a pre-license education course will also give you a solid understanding of your duties as a P&C insurance agent.

Recommended

Doing a pre-licensing education course dramatically increases your chance of passing your exam on your first attempt, which can end up saving you both time and money in the long run. For pre-licensing education, StateRequirement recommends:

4.7 out of 5 starsKaplan Education Company

Step 2: Take the Louisiana Licensing Exam

After you complete a pre-licensing education course and/or your own independent study, it’s time to take the Louisiana P&C license exam.

Louisiana uses PSI Exams as its official testing service for delivering licensure exams. PSI also offers applicants the option to take a license examination by a remote proctor.

The Louisiana P&C insurance exam:

  • Includes a total of 150 scored questions that cover two sections: general and state-specific knowledge. The general section deals with basic property and casualty insurance product knowledge. The state-specific section covers P&C insurance concepts and terms, rules, regulations, and practices specific to Louisiana.
  • Gives you 160 minutes to complete the test. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.
  • Costs $53, a fee you must pay at the time of reservation by credit card, debit card, or voucher.

Passing the Louisiana P&C license exam can prove challenging, but taking an exam prep course and following a good study program can help prepare you to pass on your first attempt.

If you happen to fail the Louisiana P&C insurance exam, you can schedule a retake as soon as 24 hours after your first attempt.

Tip

Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.

Step 3: Get a Fingerprint-Based Background Check

After you take the P&C license exam, you must get a fingerprint-based background check from PSI ExamsThe fee for fingerprinting services is $39.25 to cover the cost of comparing your prints against criminal history records.

You must be electronically fingerprinted at one of the PSI Louisiana sites. You may sit for an exam at a PSI test center and may be fingerprinted at the test site after you finish the exam. A list of PSI testing locations and walk-in hours is available on the PSI website.

If you’re taking the exam remotely, you must visit a PSI testing location to be fingerprinted during that site’s walk-in hours. You will pay the fingerprinting fees at the test site.

LDI will receive your fingerprinting results within seven to 10 days from the submission of your fingerprints. For more information on PSI’s fingerprinting services, call (855) 579-4644.

Step 4: Complete a Louisiana License Application

Once you pass the P&C insurance exam and complete the background check, you can apply for your Louisiana P&C insurance license. The application fee is $75 plus a $5.60 transaction fee. You must apply online via the NIPR.

The LDI will issue a P&C insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You also should create a user account on Louisiana’s Industry Access portal from which you can manage your online filings as a licensee.

To apply for a P&C insurance license in Louisiana, make sure you comply with the insurance licensing requirements as defined under the Louisiana Insurance Code and the Louisiana Administrative Code.

Send any questions or supporting documents to producerlicensing@ldi.la.gov.

Step 5: Watch for Your Application Results

After you complete the previous four steps, the LDI’s Division of Producer Licensing will review your application and background check results.

The best way to check your application status is to visit your Industry Access account.

You can print your license from the Industry Access portal or the NIPR website. There’s no charge to create an account or print a license. You also can use LDI’s Producer Adjuster Search tool to search for and manage your license.

Congratulations!

You’re now ready to get started as a P&C insurance agent in Louisiana.

Next Steps After Securing Your Louisiana Property and Casualty Insurance License

Once you complete the above steps and have your Louisiana P&C insurance license, here’s what you should pursue next.

Get a Job in the Insurance Field

Once you hold a P&C license, you can consider several different insurance-related careers. The P&C license gives you authorization within your state to sell P&C insurance policies and related products that’ll provide financial protection to your clients against loss or damage.

You can find P&C insurance job postings on our Insurance Jobs Board.

When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN).

Complete Required Continuing Education Credits

In Louisiana, you must take 24 hours of continuing education (CE) every two years to maintain your license in good standing. Three of those hours must focus on ethics. Also, insurance producers with the lines of property and/or casualty must include three hours of education in flood as part of the 24-hour requirement.

If you have a non-resident license with good standing in your home state, you don’t need to take CE courses in Louisiana.

In Louisiana, you only need to file a single license renewal to renew all eligible lines of authority on your license. Licenses renew on the last day of your birth month with your license number determining the renewal year.

You must complete your required CE hours at least 90 days before your license expires. You can renew your license online by using either the Industry Access portal or the NIPR website. The renewal fee is $55 and the late fee is $105.

Learn how to renew your license with our Louisiana insurance license renewal guide.

Louisiana Department of Insurance Contact Information

Mailing Address:

P.O. Box 94214
Baton Rouge, LA 70804

Phone: (225) 342-0860

Email: producerlicensing@ldi.la.gov

Website: https://www.ldi.la.gov/ 

License Search: Louisiana Insurance License Search

Louisiana Property and Casualty License FAQ

How much does it cost to get a property and casualty insurance license in Louisiana?

The total cost of getting a property and casualty (P&C) insurance license in Louisiana is at least $361.85, but can reach nearly $500 based on the type of pre-license course you choose. The costs include:
Insurance Pre-license Education Course Fee: $139 via Kaplan
Exam Fee: $53 via PSI Exams
Fingerprint-Based Background Check Fee: $39.25 via PSI Exams
Application Fee: $75 application fee + $5.60 transaction fee via the NIPR

How long does it take to process a property and casualty insurance license application in Louisiana?

To find out if the LDI issued your license and to become an insurance agent, check your application status by visiting your Industry Access account.

Can I get a temporary property and casualty insurance agent license in Louisiana?

Yes. Louisiana provides a 60-day, temporary life insurance license. You can submit a request for a temporary license to the Louisiana Department of Insurance via email at producerlicensing@ldi.la.gov.

Can I get an emergency property and casualty insurance agent license in Louisiana?

No. An emergency license isn’t available for P&C insurance agents in Louisiana.

What can I sell with a property and casualty insurance license in Louisiana?

With a Louisiana P&C license, you can sell insurance products like homeowners insurance, renters insurance, auto insurance, general liability insurance, and workers’ compensation policies.

How much can you make with a property and casualty insurance license in Louisiana?

According to ZipRecruiter, P&C insurance agents earn an average salary of between $30,000 and $44,500+ per year. P&C insurance agents who sell homeowners and auto insurance also can earn a 5 percent to 20 percent commission based on policy premiums.

What are the limitations of a Louisiana property and casualty insurance license?

Unless you have multiple licenses to sell various types of insurance products, having a Louisiana P&C license only gives you the authority to negotiate and sell P&C insurance policies. You’ll need additional licenses to sell other types of insurance.

Can I cancel my property and casualty license in Louisiana?

Yes. To cancel your license, download and fill out the License Surrender and Letter of Clearance form. Submit your completed form by fax to 225-342-3754 or by email to producerlicensing@ldi.la.gov.

How hard is it to get a property and casualty insurance license in Louisiana?

The process is quite simple! Follow the steps above and get started today!

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