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Free Louisiana Life Insurance Practice Exam Online

Official exam: Life Insurance Producer License (LA)

Take a free Louisiana Life Insurance practice exam online: a full 26-question paper with every answer explained, no sign-up, scored by topic. The full 26-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Life Insurance Producer License (LA): a 26-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 26 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily LDI Producer Licensing Guide (42%) and La. R.S. 22:931 (12%) of this exam's citations.

Take a full practice test free. 26 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
26
questions per paper
26
questions in the bank
What this exam covers
5 real sample questions
Under La. R.S. 22:931, how many days does a Louisiana life insurance policyholder have to examine a new policy and surrender it for a full refund if unsatisfied?
A. 30 days
B. 10 days
C. 5 days
D. 20 days
Show answer and reasoning

Correct answer: B. 10 days

Correct. R.S. 22:931 requires a free look provision printed on or attached to the policy giving the insured 10 days from receipt to examine the policy and surrender it for a refund.

  • A: 30 days overstates the free look period set by R.S. 22:931 for standard individual life policies.
  • C: 5 days understates the statutory 10-day free look period.
  • D: 20 days does not match the statutory 10-day free look period.
Source: La. R.S. 22:931
Which line of authority must a Louisiana producer hold to sell individual life insurance, including annuities and death/dismemberment benefits?
A. Life
B. Casualty
C. Property
D. Personal lines
Show answer and reasoning

Correct answer: A. Life

Correct. R.S. 22:1547 defines the life line of authority as covering human lives, including endowments and annuities, and it may include accidental death/dismemberment and disability income benefits.

  • B: Casualty authority covers legal liability exposure, not life insurance or annuities.
  • C: Property authority covers loss or damage to property, unrelated to life insurance.
  • D: Personal lines authority is a narrower property/casualty scope (auto and homeowners), not life insurance.
Source: La. R.S. 22:1547
The 10-day free look requirement under R.S. 22:931 does NOT apply to which of the following?
A. Individually underwritten whole life policies
B. Individually underwritten universal life policies
C. Group life insurance policies
D. Individually underwritten term life policies
Show answer and reasoning

Correct answer: C. Group life insurance policies

Correct. R.S. 22:931 specifically excludes industrial life insurance, service insurance, and group life insurance from this free look provision.

  • A: Individually underwritten whole life policies are squarely within the scope of the free look requirement.
  • B: Individually underwritten universal life policies are within the scope of the free look requirement.
  • D: Individually underwritten term life policies are within the scope of the free look requirement.
Source: La. R.S. 22:931
A life insurance policy that provides coverage for a specified period, has no cash value, and typically offers the lowest initial premium for a given death benefit is:
A. Whole life insurance
B. Universal life insurance
C. Variable life insurance
D. Term life insurance
Show answer and reasoning

Correct answer: D. Term life insurance

Correct. Term life insurance provides pure death-benefit protection for a defined period with no cash value, generally at the lowest initial cost per dollar of coverage.

  • A: Whole life insurance provides lifelong coverage with guaranteed cash value accumulation and higher premiums than comparable term coverage.
  • B: Universal life insurance is a permanent, flexible-premium product with cash value, not a low-cost temporary product.
  • C: Variable life insurance is a permanent product with cash value invested in separate accounts, not a no-cash-value temporary product.
Source: LDI Producer Licensing Guide; general life insurance product categories
A permanent life insurance product that allows the policyowner to adjust the premium amount and death benefit within limits, and whose cash value grows based on current interest crediting, is best classified as:
A. Universal life insurance
B. Term life insurance
C. Whole life insurance
D. Credit life insurance
Show answer and reasoning

Correct answer: A. Universal life insurance

Correct. Universal life insurance is characterized by flexible premiums, an adjustable death benefit, and cash value growth tied to a current, insurer-declared interest rate.

  • B: Term life insurance has no cash value and does not offer flexible premiums or adjustable permanent death benefits.
  • C: Traditional whole life insurance has fixed, level premiums and guaranteed cash value growth, not flexible premiums with current interest crediting.
  • D: Credit life insurance is a decreasing-term product tied to an outstanding loan balance, not a flexible-premium permanent product.
Source: LDI Producer Licensing Guide; general life insurance product categories
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (LA)May 2025$55,440/yr

Frequently asked questions

Where can I take a free Louisiana Life Insurance practice exam online?
Right here. CertQuestUSA's free Louisiana Life Insurance practice exam online is a full 26-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 26-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Life Insurance Producer License (LA) practice test?
26 questions total, split into 3 full papers of 26 each with no repeats across papers.
What topics does the Life Insurance Producer License (LA) test cover?
10 domains, with the heaviest weight on Viatical Settlements (19%), Beneficiary Designations (12%), and Free Look Period (12%).
Where do CertQuestUSA's Life Insurance Producer License (LA) questions come from?
Primarily LDI Producer Licensing Guide (42%) and La. R.S. 22:931 (12%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life Insurance Producer License (LA) practice test?
Yes -- one full 26-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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