Louisiana Seal

Louisiana

state commissioner

Jim Donelon

STATE email

public@ldi.la.gov

STATE phone
(225) 342-0860
STATE LICENSE DIVISION ADDRESS

Louisiana Department of Insurance

Appointments & Terminations

Required to report appointments?

Yes

Permits Just-in-time (JIT) appointments?

Yes

Initial appointment deadlines

Within 15 days of contract execution

Initial appointment deadline rule

Appointments must be submitted within 15 days of the date the agent/agency contract is executed

Can be processed via nipr?

Yes

Fees for appointing a resident agency or individual?

Individual Producer: $30, Agency: $100

Fees for appointing a nonresident agency or individual?

Individual producer: $30 Agency: $100

Appoint agencies?

Yes

Agency appointment covers affiliated producers?

Yes

Adjuster appointments via NIPR?

No

Appointment effective date can be specified?

No

Appointment effective date rule

Date the transaction is processed.

State requires appointment renewal?

Yes

Appointment renewals via

Via NIPR Portal

When is the state renewal period?

Individual terminations due Nov. 24, 2023, and invoice for individual appointment renewals open Dec. 1, 2023, to Jan. 2, 2024. Agency appointments ran June 30, 2023 until Aug. 1, 2023 (Terminations for agency appointments were due June 26, 2023)

Appointment renewal fee

$100 for entities/$20 for individuals

Appointment Terminated if license expires?

No

Terminations processed via NIPR?

Yes

Termination reasons

Voluntary termination; inadequate production; cancelled by general agent; death; company defunct or liquidation; company indebtedness; poor policyholder services; agent moved; appointed in error

Termination Effective date rule

Requested effective date may not be backdated from the date transaction is processed by the state

Termination notes

Up to the carrier to cancel, doesn't automatically terminate on license expiration

Termination fee

No fee

Licensing

Initial individual new license fee

Resident New License Insurance Producer: $75 (per LOA) Resident New License Insurance Producer: $250 (Surplus Lines) Non Resident New License Insurance Producer: $75 (per LOA) Non Resident New License Insurance Producer: $250 (Surplus Lines)

License renewal fee

Resident Renewal Insurance Producer:$50 Resident Renewal Insurance Producer:$55 Resident Renewal Insurance Producer: $350 Non Resident Renewal Insurance Producer: $50 Non Resident Renewal Insurance Producer: $350

When does the resident individual producer license renewal period begin?

90 days before expiration

What is the resident individual producer license renewal date?

Last day of birth month every 2 years based on odd or even last digit of license number

Late renewal or reinstatement period for resident individual producer license?

Late renewal allowed up to 2 years after expiration

When does the nonresident individual producer license renewal period begin?

90 days before expiration

What is the nonresident individual producer license renewal date?

Last day of birth month every 2 years based on odd or even last digit of license number

Late renewal or reinstatement period for nonresident individual producer license?

Late renewal allowed up to 2 years after expiration

Can a producer use a P.O. Box in their resident or business address?

Yes

Are individuals required to list their county as part of the address?

No

What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Claim Adjuster, Consultant, Company, Insurance Producer, Public Adjuster

Appointment Terminated if license expires?

No

State broker license rule

"Insurance consultant" means any person or entity which offers for a fee or other valuable consideration any advice, counsel, opinion, or related services with respect to risk evaluation or management, the benefits, coverages, exclusions, or provisions under any insurance policy to be issued in Louisiana, or involving insurance policy advantages or disadvantages, or any formal plan of managing risk. Insurers are not required to appoint Brokers per NAIC PLMA

Requires pre licensing courses?

No

Fingerprints Required?

Yes, for Resident Licensing

Fingerprint Submission Details

Taken at exam site.

Where to apply for resident license?

NIPR Gateway

What Transactions are Retaliatory Fees Applied to?

None

Submit Partial License Renewals through NIPR?

Yes

Has Personal Lines LOA?

Yes

Deadline to report personal data changes (address, name change, phone number, etc.)

Licensee must report a change of address, legal name, or information submitted in the application within 30 days. Contact Change Request supported via NIPR Gateway.

Penalty for failure to timely report personal data changes

Failure to report a change of address, legal name, or information submitted in the application within 30 days will result in a $50 fine.

Agency

Can a sole proprietor be licensed as an entity?

Yes. Sole proprietors need entity and an individual license.

DRLP must have active state license

Yes

DRLPs must cumulatively cover all LOAs in application

Yes

Agency Licensing renewals

90 days prior to expiration date until March 31st, biennially.

Adjuster

Requires adjuster license?

Yes

Offers designated home state?

Yes

DHS exam required?

Yes

Reciprocity states

AK, AL, AR, AZ, CT, DE, FL, GA, ID, IN, KY, ME, MI, MN, MS, MT, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV, WY

Which states require an exam for reciprocity?

CA, HI, NY, PR

Independent adjuster LOAS

Automobile Adjuster, Commercial Lines, Crop, Personal Lines, Property & Casualty, Workers' Compensation

Independent adjuster fees

Licensing Fee: $55 Amendment Fee: $55 Reinstatement Fee: $55 Renewal Fee: $50 Late Renewal Fee: $100

Independent adjuster exam required?

Yes

Independent adjuster renewal date

Biennially, on the last day of the birth month. Even numbered licenses renew in even numbered years, odd renew in odd years.

Independent adjuster details

In Louisiana this license class is known as a claims adjuster.

Emergency adjuster details

Licenses can be issued to a a non resident who is licensed as a claims adjuster in their home state or designated home state. Registrations are filed using the “Catastrophic Adjuster Registration” module in our Industry Access System.  (). The fee is $25 per adjuster.

Continuing Education

Total hours per renewal period

24

Renewal period

2 years

CE due before license renewal date?

Yes

License renewal date is

Last day of birth month

License renewal year based on...

Odd or even last digit of license number

When is the CE due?

Prior to license expiration.

How long before expiration does state send CE reminder?

90 days prior to expiration date

Exemptions to CE

Those who’ve been licensed for 15 years and turned 65 by January 1, 2012, are permanently exempt from having to maintain CE credits. Since then, if you’re 65 and have maintained a license for at least 15 years, Louisiana allows you to apply for a CE waiver. Military family members having trouble maintaining CE because of active duty can apply for a CE waiver. Limited lines producers such as those holding industrial fire, surety, or other lines that don't require a pre licensing examination may also be exempt from CE.

What if a producer missed the renewal date?

Licensee may reapply within 24 months of expiration and pay a late fee to reinstate the license.

CE instructors get credit for teaching courses?

Yes

Ethics requirements

3

Flood-specific CE requirements

3 hours of NFIP course

LTC-specific CE requirements

8-hour initial certification, with 4 hours of LTC-specific training each renewal cycle thereafter

Annuity-specific CE requirements

One-time, 4-hour course

Regulatory Updates

Louisiana Department of Insurance Updates Licensing Information on P&C Surplus Lines Licenses and Premium Tax

On December 14, 2023, The Louisiana Department of Insurance updated the taxes and fees section for surplus lines further clarifying that there should be no regard to location of the covered property, risk or exposure for the home state of Louisiana, the rate still remains at 4.85% of gross premiums.

Louisiana Department of Insurance (LDI) Implements Nonadmitted and Reinsurance Reform Act with Respect to Surplus Lines

On December 6, 2023, The Louisiana Department of Insurance revised and reissued Bulletin 2011-01 to update redesignated legal citations and contact information. - Defined “Surplus Lines Insurance” - Removed prior guidance on Louisiana’s participation in the Nonadmitted Insurance Multi-State Agreement. - Removed prior guidance on requirement for a producer to conduct a diligent search among admitted insurers prior to placing coverage with a surplus lines insurer. Please see attachment for more information.

Louisiana 2023 Individual Appointment Renewals – Updates

**Appointment Renewal End Date changed to January 3, 2024** - Active individual appointments on record as of November 24, 2023, will be invoiced for renewals. - The NIPR website will display the renewal invoice and a list of appointment renewals beginning at 8:00 am CST on December 1, 2023. - The invoices will no longer be displayed on the NIPR website after January 3, 2024, at 4:00 pm CST. - NIPR will display the invoices as paid once payment is received. - Louisiana appointments paid through the appointment renewal invoice will also be updated after the renewal period ends on with the effective date of December 31, 2024.

Louisiana Has Posted 2023 Appointment Renewal Invoices for Producer Agencies

Effective June 30, 2023, Louisiana has posted appointment renewal invoices for Louisiana producer agencies have posted to the National Insurance Producer Registry (NIPR) website. The invoice includes all producer agency appointments active as of June 28, 2023.  See attachment.

Louisiana Adding Annuity Training Requirement

Effective 8/1/2023, the Commissioner may require a licensed annuity producer to complete a 1-time, 1-credit training course meeting the standards established in compliance with LA R.S. 22:919.

Louisiana Adding Pet Insurance License

Residents and Non Residents, Effective 1/1/2024, a pet insurance producer must be licensed in a major line of authority and complete the required training in order to sell, solicit, or negotiate a pet insurance product.      a.   An insurer must ensure that its producers are trained on:           I.   topics discussed in (b) below; and          II.   its pet insurance products' coverages and conditions.      b.   The training must cover the following topics:           I.   preexisting conditions and waiting periods;          II.   the differences between pet insurance and noninsurance wellness programs;         III.   hereditary disorders, congenital anomalies and disorders, chronic conditions, and how pet insurance policies interact with those conditions or disorders; and          IV.   rating, underwriting, renewal, and other related administrative topics.      c.   Satisfaction of substantially similar training requirements in another state will satisfy this state's training requirements.

Louisiana 2023 Agency Appointment Renewals

The Invoice renewal period for the Louisiana 2023 Agency Appointment Renewals is June 30, 2023 – August 1, 2023. The termination deadline is June 25, 2023

Louisiana Guidance Regarding Producer Compensation in the Form of a Fee

Louisiana sends guidance regarding producer compensation in the form of a fee. See attachment for details.

Louisiana Guidance Regarding Producer Compensation (revised and reissued)

Advisory Letter No. 2015-02, originally issued June 3, 2015, is hereby revised and reissued to provide updated guidance and clarity due to changes in the law since its original issuance.  See attachment for full details

Louisiana Revises its Catastrophe Claims Process Disclosure Guide

Effective January 1, 2023, Louisiana revises its Catastrophe Claims Process Disclosure Guide. See attachment for details,.

Louisiana Amends Continuing Education Rule

Louisiana has amended Rule 10 of Continuing Education. The changes include removing the first renewal exemption, required information

Louisiana Adding Non Uniform Question for Claims Adjuster

Effective Dec. 9th, 2022, the Claim Adjuster (1074) and Claim Adjuster Agency (4374) license classes will require a new non uniform question.

Louisiana Updates Language Related to Producer Agency Fees

The Language from a June 2017 bulletin has been updated to revise the language "Life and Health Producer" to "Producer licensed for the line of accident and health or sickness". Additionally, they outline how fees related to an individual health insurance policy will be disclosed and more.

Louisiana Sets 2022/2023 Appointment Renewal Dates

The 2022/2023 Louisiana appointment renewal dates are Dec. 1, 2022 until Jan. 3, 2023. Appointments added after 11/29/2022 will be associated with the 2024 renewal date period. Note that this applies to Agents only.

Louisiana Updates Continuing Education

Louisiana will be amending Rule 10 of Continuing Education. The amendment will include removing the first renewal exemption for CE pre licensing, Required information for CE credit, required data for CE renewal, accident and health language, and other technical changes.

Louisiana Announces Insurance Title License Requirements

Louisiana now requires individual title insurance producers be a resident of Louisiana or be employed full time by an agency in Louisiana.

Louisiana Revises Limited Lines Agent Licensing

The definition of an "agency title insurance producer" or "agency producer" refers to a business entity appointed to represent a title insurer that has a physical address in Louisiana AND as of 8/1/22 will also have to designate a resident individual producer that is licensed for the LOA title as the person holding responsibility to remain in compliance.

Louisiana Announces Changes to Self-Storage Agent and Portable Electronics Vendor

Effective August 1st, 2022, the verbiage for Self Storage Agents stating that a notice and hearing must occur before certain Commissioner actions. Additionally, an aggrieved party may now demand a hearing for both Self-Storage Agents and Portable Electronics Vendors.

Louisiana Modifies Language of Someone Convicted of Felony

Effective immediately, it is required that a person who wishes to employ a convicted felon a completed "Request forConsent or a Waiver Pursuant to La. R.S. 22:1554(A)(18)" form electronically at producerlicensing@ldi.la.gov.

Louisiana Changes to Continued Education Requirements

Effective June 3, 2022, the prelicense education requirements for producer or consultant license applicants for lines of Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, and Title are no longer required.

Louisiana Announces 2022 Agency Appointment Renewals

The invoice renewal period is July 1, 2022 until Aug. 2, 2022. The termination deadline is June 26, 2022. New appointment renewal date is July 31, 2022 after appointment is renewed.

Louisiana Changes Information that Must be Submitted by Catastrophe Adjusters

To better track catastrophe adjusters that are brought into the state in the case of an emergency, LA is requiring additional information that must be submitted at registration.

Update to Louisiana Opening Contact Change Request

This will now go into effect on June 10th rather than May 27th. This change will allow a business entity to electronically update the physical address, email, and phone number.

Louisiana Opening Contact Change Requests for Business Entities

This update will allow business entities to electronically update both their business and mailing physical addresses, email, and phone number.

Declined Transactions Related to Recent Louisiana Changes

Reminder that there was a recent change to Louisiana that no longer required the Applicant.Tax\_Num (SSN) that was implemented on April 14, 2022. Any submissions before this time may be declined and will need to be resubmitted.

Louisiana Publishes its Administrative and Agency Proceedings Instituted Against a License

This publication is Louisiana publishing their intent to implement a new regulation. The purpose of this regulation is to establish procedures for governing the institution of administrative and agency proceedings resulting in administrative action with respect to a license.

Louisiana Provides Guidance Regarding Duties and Restrictions Placed on Public Adjusters

Louisiana outlines guidance for adjusters which includes limiting their authority of assisting insureds in first-party claims to avoid the unauthorized practice of law. Additionally, adjusters responsibilities and legal duties are further outlined.

Louisiana Offering a New CE Online Submission Method

Louisiana introduces the LDI Industry Access System (IAS) as the new online method to submit continuing education courses. Through the introduction of a new module, education providers can submit new course filings, submit course renewals, and report repeat course offering schedules for already approved courses.

Louisiana Update to their Information Security Program

LA originally issued information regarding the Security Program of the Insurance Data Security Law on 6/3/21. This announcement provides updated guidance on the standards applicable to licensees relative to data security.

Louisiana removing SSN Requirement

Louisiana is removing the Applicant.Tax\_NumSocial Security Number requirement on March 11th, 2022. This will apply to individual applicants for both appointments and terminations.

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