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Free Louisiana Life Accident Health Practice Test Online

Official exam: Life, Accident & Health Insurance Producer License (LA)

Take a free Louisiana Life Accident Health practice test 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, Accident & Health 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 (37%) and La. R.S. 22:1964 (16%) 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
A health policy's 'incontestable clause' bars the insurer from voiding coverage for application misstatements, other than fraud, once the policy has been in force for what typical period?
A. 30 days
B. Two or three years, as specified in the policy
C. The clause never expires and applies indefinitely from issue
D. Ten years
Show answer and reasoning

Correct answer: B. Two or three years, as specified in the policy

Correct. The incontestable clause, once the policy has been in force for the stated period (commonly two or three years for health policies), bars the insurer from contesting non-fraudulent application misstatements.

  • A: 30 days is far shorter than the standard incontestability period found in health policies.
  • C: The clause has a defined time trigger after which contestability ends; it does not apply as an indefinite bar from day one.
  • D: Ten years overstates the standard two-to-three-year incontestability period typical of individual health policies.
Source: NAIC Uniform Individual Accident and Sickness Policy Provisions Law (adopted framework)
A life insurance rider allowing the policyowner to purchase additional coverage at specified future dates or life events without providing new evidence of insurability is the:
A. Waiver of premium rider
B. Accidental death benefit rider
C. Guaranteed insurability rider
D. Term conversion rider
Show answer and reasoning

Correct answer: C. Guaranteed insurability rider

Correct. The guaranteed insurability rider allows the policyowner to buy additional coverage at specified option dates or triggering events (such as marriage or the birth of a child) without new medical underwriting.

  • A: The waiver of premium rider excuses premium payment during total disability, unrelated to purchasing additional coverage without underwriting.
  • B: The accidental death benefit rider pays extra if death results from an accident, unrelated to guaranteed future purchase options.
  • D: The term conversion rider allows converting existing term coverage to permanent coverage, a related but distinct feature from guaranteed future purchase rights.
Source: LDI Producer Licensing Guide; general life insurance rider categories
A Louisiana applicant who wants authority to sell both life insurance and accident & health/sickness insurance under one combined credential should pursue which licensing path?
A. The combined Life, Accident & Health line of authority exam
B. The Property line of authority alone
C. The Casualty line of authority alone
D. The Personal Lines authority alone
Show answer and reasoning

Correct answer: A. The combined Life, Accident & Health line of authority exam

Correct. Louisiana offers a combined Life/Health & Accident exam option, allowing a producer to qualify for both the Life and Accident & Health lines of authority through a single combined credentialing path.

  • B: Property authority covers loss or damage to property, unrelated to life or health insurance.
  • C: Casualty authority covers legal liability exposure, unrelated to life or health insurance.
  • D: Personal Lines authority is limited to individual auto/homeowners coverage, not life or health insurance.
Source: La. R.S. 22:1547
For an applicant preparing for Louisiana's combined Life & Health pre-licensing course of study (optional, not statutorily mandated), what course length does LDI guidance commonly reference?
A. A 10-hour combined course
B. A 40-hour combined Life & Health course
C. A 75-hour combined course
D. A 120-hour combined course
Show answer and reasoning

Correct answer: B. A 40-hour combined Life & Health course

Correct. LDI guidance references a 40-hour combined Life & Health course of study, compared to 20 hours for either Life or Health studied alone.

  • A: 10 hours understates the referenced course length for the combined Life & Health line.
  • C: 75 hours overstates the referenced course length for the combined Life & Health line.
  • D: 120 hours substantially overstates the referenced course length for the combined Life & Health line.
Source: LDI Producer Licensing Guide
What minimum passing score applies to Louisiana's combined Life, Accident & Health producer licensing exam?
A. 65%
B. 75%
C. 70%
D. 55%
Show answer and reasoning

Correct answer: C. 70%

Correct. Louisiana applies a uniform 70% passing score requirement across its producer licensing exams, including the combined Life, Accident & Health exam.

  • A: 65% understates the actual 70% passing threshold LDI requires.
  • B: 75% overstates the actual 70% passing threshold LDI requires.
  • D: 55% substantially understates the actual 70% passing threshold LDI requires.
Source: LDI Producer Licensing Guide
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 Accident Health practice test online?
Right here. CertQuestUSA's free Louisiana Life Accident Health practice test 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, Accident & Health 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, Accident & Health Insurance Producer License (LA) test cover?
13 domains, with the heaviest weight on Ethics & Fair Practices (12%), Health Insurance Fundamentals (12%), and Licensing Requirements (12%).
Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (LA) questions come from?
Primarily LDI Producer Licensing Guide (37%) and La. R.S. 22:1964 (16%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life, Accident & Health 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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