- The exam is 150 scored questions in 160 minutes; you need 70% to pass.
- Louisiana Insurance Regulation is worth 23% - the single largest domain by far.
- The fee is $58, administered by PSI as Series 103, Life, Health and Accident or Sickness Producer.
- There's no mandatory prelicensing-hour requirement, but NIPR filing and IdentoGO fingerprinting still happen before you test.
Exam Snapshot: The Numbers You Must Memorize
If you only have five minutes before you walk into a PSI test center, these are the numbers that matter. The Louisiana Life, Health & Accident Insurance Producer Exam (LALHA) is regulated by the Louisiana Department of Insurance and administered by PSI under the title Series 103, Life, Health and Accident or Sickness Producer. It consists of 150 scored multiple-choice questions, and you get 160 minutes to complete them. A passing score is 70%. The exam fee is $58.
Unlike many state producer exams, Louisiana does not impose a mandatory prelicensing-hour requirement for this exam. That means your prep time is entirely self-directed - which is exactly why a structured plan matters. For a deeper breakdown of what "self-directed" should actually look like, see the LALHA Study Guide 2026: How to Pass on Your First Attempt.
Domain Weight Cheat Sheet
Before you open a single practice question, memorize how the exam is weighted. This table is the backbone of your entire study plan - allocate your time proportionally to these percentages, not evenly across all 13 topics.
| Domain | Weight |
|---|---|
| 1. Louisiana Insurance Regulation | 23% |
| 4. Life, Health, and Accident Insurance Basics | 14% |
| 6. Life Insurance Policy Provisions, Options, and Riders | 13% |
| 5. Types of Life Insurance Policies | 8% |
| 3. General Insurance Concepts | 7% |
| 7. Annuities | 7% |
| 8. Individual Health and Accident Insurance Policy Provisions | 7% |
| 12. Health Insurance for Senior Citizens and Special Needs Individuals | 7% |
| 9. Disability Income and Related Insurance | 4% |
| 10. Medical Plans | 4% |
| 11. Group Health Insurance | 3% |
| 13. Federal Tax Considerations for Life and Health Insurance | 2% |
| 2. Licensing and Regulation | 1% |
Notice that the top three domains - Louisiana Insurance Regulation, Life/Health/Accident Basics, and Policy Provisions/Options/Riders - together make up half the exam. If you master nothing else, master those three. For the full walk-through of every domain with example concepts, bookmark the LALHA Exam Domains 2026: Complete Guide to All 13 Content Areas.
The Heavy-Hitter Domains, Broken Down
Domain 1: Louisiana Insurance Regulation (23%)
This is the single most important domain on the exam by a wide margin. It covers Louisiana-specific statutes and administrative rules that govern how producers must conduct business in the state.
- Producer licensing authority of the Louisiana Department of Insurance
- Unfair trade practices, misrepresentation, and rebating rules specific to Louisiana
- Required disclosures, replacement rules, and record-keeping obligations
- Penalties for violations and grounds for license suspension or revocation
Domain 4: Life, Health, and Accident Insurance Basics (14%)
This domain builds your foundational vocabulary - the terms and mechanics that every other domain assumes you already know.
- Risk, insurable interest, and the parties to a policy (applicant, insured, owner, beneficiary)
- Underwriting basics and how insurers classify risk
- Premium structures and how policies are priced
Domain 6: Life Insurance Policy Provisions, Options, and Riders (13%)
Combined with Domains 4 and 5, this cluster of life-insurance-specific content makes up a huge share of the test. Expect scenario questions that test whether you know which provision applies.
- Nonforfeiture options, grace periods, and reinstatement
- Settlement options and dividend options
- Common riders: waiver of premium, accidental death, guaranteed insurability
The Lighter Domains (Don't Skip Them)
It's tempting to ignore the domains worth only 1-4%, but 13 domains means even small ones can contain a handful of guaranteed questions. Skipping them entirely is a common reason candidates fall just short of 70%.
Domain 7: Annuities (7%)
Fixed vs. variable annuities, accumulation and annuitization phases, surrender charges, and tax-deferred growth are the recurring themes.
Domain 12: Health Insurance for Senior Citizens and Special Needs Individuals (7%)
Medicare structure, Medicare Supplement standardization, and long-term care basics show up here consistently.
Domain 13: Federal Tax Considerations for Life and Health Insurance (2%)
Only 2% of the exam, but the concepts (taxation of death benefits, cash value growth, premium deductibility) are easy to memorize quickly with flashcards.
Domains 9, 10, and 11 - Disability Income, Medical Plans, and Group Health Insurance - are each worth 3-4%. Don't build a study week around them, but don't leave them at zero either. A quick pass through definitions is usually enough. If you want a diagnostic on how ready you actually are across all 13 areas, run a full-length simulation on our LALHA practice test platform before test day.
Registration & Fee Mechanics
The paperwork around this exam trips up more candidates than the content does. Here's the order of operations:
- First-time resident applicants apply through NIPR (the National Insurance Producer Registry).
- You must submit the license application and background-check authorization before completing fingerprinting through IdentoGO.
- Once your application and fingerprints are processed, you schedule your exam at a PSI test center.
- The exam fee is $58, paid directly to PSI at scheduling.
Key Takeaway
Don't schedule your IdentoGO fingerprinting appointment until after you've submitted your license application and background-check authorization through NIPR - doing it in the wrong order can delay your eligibility to test. For a complete cost breakdown including fingerprinting and licensing fees, see LALHA Certification Cost 2026: Complete Pricing Breakdown.
Because there's no state-mandated prelicensing course, some candidates assume there's little to prepare administratively. In practice, the NIPR-to-IdentoGO-to-PSI pipeline has its own timeline, so start it well before you plan to sit for the exam. If you're unsure whether you meet the underlying eligibility criteria, review the LALHA Requirements 2026: Eligibility, Prerequisites & How to Qualify before you file anything.
Licensing, Renewal, and CE
Passing the exam is the beginning, not the end, of your compliance obligations. Louisiana producer licenses renew every two years, and renewal requires 24 hours of continuing education, including 3 hours of ethics. Mark your calendar now - CE deadlines sneak up on busy producers, and lapses can trigger reinstatement headaches.
| Requirement | Detail |
|---|---|
| Exam format | 150 scored multiple-choice questions |
| Time allowed | 160 minutes |
| Passing score | 70% |
| Exam fee | $58 |
| Prelicensing hours | None mandated |
| Renewal cycle | Every 2 years |
| CE requirement | 24 hours (3 ethics) |
A Final-Week Cram Schedule
If you've already done the bulk of your studying using the plan in the LALHA Study Guide, use your last week to reinforce weighted domains rather than starting new material. This schedule assigns days proportionally to domain weight.
Louisiana Insurance Regulation (23%)
- Re-read every rule on unfair trade practices, disclosures, and license discipline
- Run timed practice sets focused only on Domain 1
Life, Health, and Accident Basics + Policy Provisions (14% + 13%)
- Drill terminology: insurable interest, nonforfeiture, reinstatement
- Work through rider scenarios until they're automatic
Types of Life Insurance, Annuities, Senior/Special Needs Health (8% + 7% + 7%)
- Compare term, whole, universal, and variable life side by side
- Review Medicare Supplement and annuity surrender mechanics
Remaining domains (individually 1-7%)
- Individual Health & Accident Provisions, Disability Income, Medical Plans, Group Health, Federal Tax
- Flashcard review only - no deep new learning
Full simulations
- Take at least two full 150-question timed practice exams on the LALHA practice test site
- Review every missed question and tag it by domain
Notice this schedule never treats all 13 domains equally - that would waste time on Licensing and Regulation (1%) at the expense of Louisiana Insurance Regulation (23%). If you're still unsure how difficult the transition from studying to test-day performance really is, read How Hard Is the LALHA Exam? Complete Difficulty Guide 2026 and check where your practice scores land relative to the LALHA Passing Score 2026: Exactly What You Need to Pass.
Who Actually Hires Producers With This License
Passing this exam licenses you to sell life, health, and accident insurance products in Louisiana as a resident producer. Career paths typically include captive and independent agencies, health insurance marketplaces, group benefits brokerages, and carriers writing life, annuity, disability, and Medicare-related products in the state. Because the exam itself covers annuities, senior health products, and group health alongside core life insurance, license holders are positioned to sell across multiple product lines rather than a single niche.
If you're weighing whether pursuing this license is worth the time and $58 exam fee relative to your career goals, the Is the LALHA Certification Worth It? Complete ROI Analysis 2026 article and the LALHA Salary Guide 2026: Complete Earnings Analysis break down the earning considerations in more depth. For open roles that specifically request this license, see LALHA Jobs.
FAQ
The exam has 150 scored multiple-choice questions, and you're given 160 minutes to complete it.
You need 70% correct to pass. See the LALHA Passing Score 2026 article for how that translates to raw questions.
No. Louisiana has no mandatory prelicensing-hour requirement for this producer examination, though you still must complete the NIPR application, background-check authorization, and IdentoGO fingerprinting.
Louisiana Insurance Regulation, at 23% of the exam, is the largest single domain and should be your top study priority, followed by Life, Health, and Accident Insurance Basics (14%) and Life Insurance Policy Provisions, Options, and Riders (13%).
Producer licenses renew every two years and require 24 hours of continuing education, including 3 hours of ethics.
Keep this page bookmarked as your one-stop reference in the final days before your exam. For a broader review of every content area, the complete domain guide pairs well with a final round of timed practice questions on our practice test platform.