Louisiana
Louisiana insurance licensing: requirements, renewal, and agency rules
Louisiana licenses producers, claims adjusters, public adjusters, and consultants through the Louisiana Department of Insurance (LDI), with all initial applications filed electronically through NIPR rather than a state portal, structurally similar to Texas.
- Renewal cycle
- Every 2 years
- CE hours
- 24 hours (3 ethics)
- Application fee
- $75
- DOI phone
- 225-342-0860
Overview
Louisiana licenses producers, claims adjusters, public adjusters, and consultants through the Louisiana Department of Insurance (LDI), with all initial applications filed electronically through NIPR rather than a state portal, structurally similar to Texas. LDI's own Industry Access Portal handles dropping lines of authority and CE tracking. Individual licenses run on a biennial cycle keyed to birth month, with even-numbered licenses renewing in even years and odd-numbered licenses in odd years.
How to get licensed
Confirm you need prelicensing education
Louisiana doesn't require prelicensing hours for most producer or adjuster lines. The exceptions are Public Adjuster, which requires LDI pre-approval before you can sit for the exam, and Bail Bond, which requires a 3-month apprenticeship.
Register for and pass the licensing exam
Louisiana uses PSI Services as its exam vendor; you can also reach them at (855) 579-4644. Exam fees vary by line: single lines run $19–$36, and combination exams like Life & Health or Property & Casualty run $58.
Complete fingerprinting
Louisiana uses IdentoGO/Idemia for Livescan fingerprinting, at a fee of $60.75. Wait for LDI's instructions before scheduling; fingerprints submitted before LDI requests them are rejected. Nonresidents, residents adding a line, and reinstatements within 2 years are exempt.
Apply for your license
The fastest path is to apply through InsureTrek — we file your Louisiana application for the state's $75 fee, pulled from NIPR at the moment of application. Surplus Lines applications carry a $250 fee instead of $75.
Wait for approval
LDI doesn't publish a formal turnaround SLA. PSI exam scores typically reach LDI within 1–2 days, and fingerprint results generally take 7–10 days. Your full application package must be completed within 90 days of starting it. Exam scores are valid for 1 year and fingerprint clearances for 90 days.
Prelicensing education
Not required. No prelicensing hours are required for producer or standard adjuster lines. Public Adjuster applicants need LDI pre-approval before the exam, and Bail Bond applicants complete a 3-month apprenticeship.
Exam
Vendor: PSI Services. Fees vary by line: single-line exams (Life, Health, Property, Casualty, Personal Lines) are $36; combination exams are $58; Bail Bond, Surety, Industrial Fire, Title, and Surplus Lines exams are $19; most adjuster exams are $19, except Property & Casualty Claims Adjuster at $36.
Fingerprinting
Required. Vendor: IdentoGO/Idemia. Fee: $60.75. Statewide Livescan fingerprinting since March 1, 2024. Wait for LDI's instructions after applying before scheduling your appointment.
Fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident producer license (all lines except Surplus Lines) NIPR's fee page lists a single $75 figure and doesn't break out a separate renewal fee. Check LDI's site for the current renewal fee when you renew. | $75 | — |
| Resident Surplus Lines producer license | $250 | — |
| Non-resident producer license (all lines except Surplus Lines) | $75 | — |
| Non-resident Surplus Lines producer license | $250 | — |
| Resident business entity (agency) license $250 for a Surplus Lines agency, $200 for a Portable Electronics agency. | $75 | — |
Fees as of 2026-08-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: NIPR – Louisiana Resident Licensing (Individual), NIPR – Louisiana Non-Resident Licensing (Individual), NIPR – Louisiana Resident Licensing (Business)
Renewal & CE
Renewal window — Individual licenses expire on the last day of the licensee's birth month; licenses with an even license number renew in even-numbered years, odd-numbered licenses in odd-numbered years. Business entity licenses renew annually on a fixed date, generally March 31.
Grace period: LDI charges a $50 late penalty after your license expires (higher for some license types); a specific grace-period length isn't published on LDI's renewal page, so renew before your expiration date rather than counting on a buffer.
Property & Casualty and Personal Lines producers must include 3 flood hours within their 24-hour total. Starting with renewals in July 2027, producers and adjusters must also complete 2 hours on legislative updates. Producers and consultants (not adjusters, bail bond, or title) can carry up to 10 excess CE hours into the next renewal cycle.
24 total CE hours per renewal term, including 3 ethics hours.
Producers with 15+ years of licensure can request an age-65 exemption from general CE hours (Form 65A); it doesn't exempt required long-term care training. Military service and medical hardship waivers can extend reinstatement up to 2 years without CE or a late fee.
| Line | Hours | Notes |
|---|---|---|
| Bail Bond | 12 | Includes 6 hours of bail-enforcement training. |
For agencies and non-residents
Agencies, appointments & DRLP
Agencies need a separate business-entity license, filed through InsureTrek for the same $75 base fee as an individual license ($250 for Surplus Lines). Every agency must name at least one Designated Responsible Licensed Producer holding an active Louisiana license, per La. R.S. 22:1546(B); the only exceptions are Portable Electronics and Self-Storage agencies. Public adjuster agencies must also post a $50,000 surety bond before licensure.
Insurers file producer appointments and terminations through NIPR (paper filing is allowed only for insurers appointing or terminating 15 or fewer producers per year). Initial appointment fees are $45 for an individual and $100 for an agency; renewal fees are $35 for an individual and $100 for an agency, under La. R.S. 22:821(B)(3)(b) as amended by Act 226 of 2019. Individual appointments renew each January 1, and agency appointments renew each August 1.
Appointments — Deadlines: A 2016 law (Act 142 / HB 663) requires insurers to give a non-captive producer 180 days' written notice before terminating an appointment, and to continue paying renewal commissions during that notice period. Exceptions apply for captive agents, for-cause terminations, loss of license, and mutual agreement.
Managing DRLPs across states? See how InsureTrek handles it →
Non-residents
Louisiana doesn't publish a bespoke list of reciprocal states; nonresidents apply through InsureTrek, using the same home-state model as residents, paying the same $75 base fee ($250 for Surplus Lines). Nonresidents aren't required to be fingerprinted. Nonresident public adjusters must have an original surety bond on file before LDI issues the license. Catastrophe adjusters responding to a declared emergency aren't individually licensed at all. Insurers register them through LDI's Industry Access Portal for $25 per adjuster, valid 180 days, under La. R.S. 22:1667 and Regulation 113.
Apply for a non-resident Louisiana license through InsureTrek, plus the state fee.
Official resources
- Louisiana Department of Insurance — licensing
- DOI phone: 225-342-0860
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-08-21. Requirements change — verify current rules with the Louisiana Department of Insurance or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- LDI – Agency Application (Rev. 2/2026) — accessed 2026-08-19
- LDI – CE Exemption and Waiver Requests — accessed 2026-08-19
- LDI – Company Appointment — accessed 2026-08-19
- LDI – Continuing Education Requirements — accessed 2026-08-19
- LDI – Emergency Adjuster Registrations — accessed 2026-08-19
- LDI – Fingerprinting Requirements — accessed 2026-08-19
- LDI – Individual Producer Application (Rev. 02/2026) — accessed 2026-08-19
- LDI – Licensing Handbook — accessed 2026-08-19
- LDI – Producer & Adjuster Licensing — accessed 2026-08-19
- LDI – Renewals — accessed 2026-08-19
- NIPR – Louisiana Non-Resident Licensing (Individual) — accessed 2026-08-19
- NIPR – Louisiana Resident Licensing (Business) — accessed 2026-08-19
- NIPR – Louisiana Resident Licensing (Individual) — accessed 2026-08-19
FAQs
How much does it cost to get an insurance license in Louisiana?
LDI's resident application fee is $75 for most producer, adjuster, and consultant licenses ($250 for Surplus Lines). On top of that, budget for PSI exam fees ($19–$58 depending on the line) and a $60.75 IdentoGO fingerprinting fee.
Do I need a prelicensing course before I can sit for the Louisiana exam?
No, for most producer and adjuster lines Louisiana only requires you to pass the exam. Public Adjuster applicants need LDI pre-approval before scheduling, and Bail Bond applicants complete a 3-month apprenticeship instead of classroom hours.
Where do I take the Louisiana insurance licensing exam?
Louisiana uses PSI Services as its exam vendor. Register at test-takers.psiexams.com/ladi or call PSI at (855) 579-4644.
When do I need to get fingerprinted?
Wait for LDI to send fingerprinting instructions after you apply; submitting fingerprints early gets them rejected. Louisiana uses IdentoGO/Idemia Livescan locations statewide, for a $60.75 fee. Nonresidents and residents adding a line to an existing license don't need to be fingerprinted.
How does renewal work in Louisiana?
Individual licenses run on a 2-year cycle and expire on the last day of your birth month. Even-numbered licenses renew in even years, odd-numbered licenses in odd years. You can renew through InsureTrek. LDI's Industry Access Portal also lets you drop lines of authority and track your CE.
How much continuing education do I need in Louisiana?
Most producers and adjusters need 24 CE hours per 2-year cycle, including 3 ethics hours. Property & Casualty and Personal Lines producers need 3 of those hours in flood coverage. Starting with July 2027 renewals, producers and adjusters also need 2 hours on legislative updates, and producers can carry up to 10 excess hours into their next cycle.
Can I get a Louisiana non-resident license without retaking the exam?
Louisiana follows NIPR's standard home-state model rather than publishing its own list of reciprocal states. Nonresidents apply through InsureTrek for the same $75 fee, and don't need to be fingerprinted.
Does Louisiana require a separate license for my agency?
Yes. Agencies file a business-entity application through InsureTrek for $75 and must name at least one Designated Responsible Licensed Producer with an active Louisiana license, except for Portable Electronics and Self-Storage agencies.
See how InsureTrek handles Louisiana licensing at scale.
Renewals, CE, and appointments tracked across every state your producers write in.