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Producer and Adjuster Licensing
Frequently Asked Questions

This page contains general information about the producer and adjuster licensing process. You may click on a subject below to go directly to the most frequently asked questions about that subject. If you do not see the subject about which you have questions or cannot find the answer to your question, you can go to the Ask-A-Question option on our web page to submit your question to the Department of Insurance. You may also find other helpful information and links on the Producer and Adjuster Licensing Information and Links Page.

Address Change Applications Bail Bond Apprentice Program
Bail Bond Producers Bail Enforcement Agents (Bounty Hunters) Branch Offices
Commissions Company Appointments Continuing Education
Cost of Licenses Expiration of Licenses Fingerprinting
Managing General Agents Name Changes Prelicensing Education
Reinstatement of License Renewal of Licenses Surplus Lines
Trade Names

APPLICATIONS

Q: What is the process for obtaining an insurance producer or adjuster license.

The process for obtaining an insurance producer or adjuster license varies depending on certain factors. Those factors include the lines of insurance for which application is being made, whether application is for an individual or business entity and whether the applicant is a resident or non resident of Louisiana.

Individual Resident Producer License

For the lines of life, health and accident, property, casualty or personal lines

  1. Take the required prelicensing course. A list of approved prelicensing providers is available at www.ldi.state.la.us/Licensing/Producer/PrelicensingEducationInformation.html.
  2. Submit an application at www.prometric.com/Louisiana/Insurance.htm. Fees will be collected at the time of application submission.
  3. Schedule a time for examination and fingerprint submissions at www.prometric.com/Louisiana/Insurance.htm. Any person already licensed as a resident insurance producer or adjuster is not required to submit fingerprints.
  4. Sit for and pass the required examination

For the lines of title, industrial fire or surety:

  1. Submit an application at www.prometric.com/Louisiana/Insurance.htm. Fees will be collected at the time of application submission.
  2. Schedule fingerprint submissions at www.prometric.com/Louisiana/Insurance.htm. Any person already licensed as a resident insurance producer or adjuster is not required to submit fingerprints.

For the lines of credit, travel or limited life, health and accident:

  1. Submit an application at www.nipr.com. Fees will be collected at the time of application submission.
  2. Schedule fingerprint submissions at www.prometric.com/Louisiana/Insurance.htm. Any person already licensed as a resident insurance producer or adjuster is not required to submit fingerprints.

For the line of bail bonds

  1. Be employed as an apprentice with a Louisiana licensed bail bond producer for a period of six consecutive months. PLEASE NOTE: No person convicted of a felony is eligible for participation in the Bail Bond Apprentice Program.
  2. Take and pass an approved prelicensing course. A list of approved prelicensing providers is available at www.ldi.state.la.us/Licensing/Producer/PrelicensingEducationInformation.html
  3. Submit a completed application at www.prometric.com/Louisiana/Insurance.htm. Fees will be collected at the time of application submission.
  4. Execute and submit directly to the Louisiana Department of Insurance an affidavit confirming your participation in the Bail Bond Apprentice Program.
  5. Schedule an appointment to sit for an examination and to submit fingerprints for a criminal record check by going to www.prometric.com/louisiana/insurance.htm. Any person already licensed as a resident insurance producer or adjuster is not required to submit fingerprints.

For surplus lines

  1. Have at least two years experience in the insurance business. This requirement may be satisfied either with showing evidence of employment with an insurance company for at least two years or showing evidence that the individual has been licensed as an insurance producer for at least two years
  2. Be licensed as an insurance producer for the lines of property and casualty
  3. Submit an application at www.prometric.com/Louisiana/Insurance.htm.
  4. Schedule a time for fingerprint submissions at www.prometric.com/Louisiana/Insurance.htm. Any person already licensed as a resident insurance producer or adjuster is not required to submit fingerprints.
  5. Sit for and pass the required examination

Individual Resident Adjuster (Claims or Public Adjuster)

  1. Submit an application at www.prometric.com/Louisiana/Insurance.htm.
  2. An applicant for a public adjuster license must complete and forward the required surety bond form to the Department. The proper surety form is located at www.ldi.state.la.us/legal/-SuretyBondUniformFormOtherThanHomeServiceContacts.pdf
  3. Schedule a time for examination and fingerprint submissions at www.prometric.com/Louisiana/Insurance.htm. Any person already licensed as a resident insurance producer or adjuster is not required to submit fingerprints.
  4. Sit for and pass the required examination

Individual Nonresident Producer or Adjuster

  1. Be licensed for the same line(s) of insurance or adjuster authority in the resident state for which license will be sought in Louisiana.
  2. Submit an application at www.nipr.com

Business Entity Resident or Nonresident Producer or Adjuster

  1. Have an officer, director, owner or employee licensed as a resident or nonresident individual for the line or lines of insurance for which the business entity will be making application. You may use multiple individuals licensed for different lines to satisfy this requirement.
  2. Submit a completed application to the Louisiana Department of Insurance at www.nipr.com.

Q: How does a person submit an application for a producer or adjuster license?

Most licensing applications are submitted electronically. The site to submit an application will depend on the type of application being made and the requirement for that license. Some lines of insurance require prelicensing courses, and you must complete your prelicensing course before you schedule your examination. All fees will be collected at the time of submission of the application.

Resident individuals applying for a producer license for any combination of the lines of life, health and accident, property, casualty, personal lines, industrial fire, bail bonds, surplus lines or title and all resident adjuster licenses must make application at www.prometric.com/Louisiana/Insurance.htm. After submission of the application the applicant must schedule examination and fingerprinting at www.prometric.com/Louisiana/Insurance.htm.

Resident individuals applying for a producer license for any combination of the lines of credit, travel, variable life and annuity or limited life, health and accident must make application at www.nipr.com. After submission of the application the applicant must schedule a time to submit fingerprints at www.prometric.com/Louisiana/Insurance.htm.

Nonresident producers and adjusters who have designated a home state with the National Insurance Producer Registry (NIPR) and all business entities must make application at www.nipr.com.

Nonresident adjusters who have not designated a home state with NIPR must file a paper application. You may find the proper form at www.ldi.state.la.us/Documents/Licensing/Producer/LouisianaApplication1136A.pdf.

Q: How does a person apply for a producer or adjuster license for a corporation, partnership, limited liability company, or other business entity?

An application for a business entity must be submitted at www.nipr.com. Before the business entity may be licensed at least one officer, director, owner or designated employee must be licensed for the line or lines of insurance for which the business entity is making application. Information on the individual(s) will be requested at the time of application.

Q: How much does it cost to apply for a producer or adjuster license?

The total cost for an insurance producer or adjuster license may include several components. Not every applicant is required to pay every component. For instance, nonresident applications are not required to sit for an examination or submit fingerprints. The component fees include:

Producer license fee (per major line): $ 75.00
Surplus lines license fee$250.00
Adjuster license fee$ 55.00
Examination fee
      Life$ 50.00
      Health and Accident$ 50.00
      Life, Health and Accident $ 65.00
      Property$ 50.00
      Casualty$ 50.00
      Property and Casualty$ 65.00
      Bail Bonds$ 50.00
      Fidelity and Surety$ 50.00
      Industrial Fire$ 50.00
      Surplus Lines$ 50.00
      Title$ 50.00
      Vehicle Physical Damage$ 50.00
      Personal Lines$ 50.00
Fingerprinting Fee: $ 72.25

Q: How does a person apply for a surplus lines license in Louisiana?

An individual resident of Louisiana may apply for an insurance producer license for the line of surplus lines at www.prometric.com/Louisiana/Insurance.htm. Before an individual resident candidate for an insurance producer license for the line of surplus lines may be licensed, the individual must meet all of the following requirements:

  1. Have at least two years experience in the insurance business. This requirement may be satisfied either with showing evidence of employment with an insurance company for at least two years or showing evidence that the individual has been licensed as an insurance producer for at least two years.
  2. Hold a current insurance producer license for the lines of both property and casualty.
  3. Maintain an office at a designated location in this state.
  4. Pass the required examination.

An individual nonresident may apply for an insurance producer license for the line of surplus lines at www.nipr.com. Before an individual nonresident candidate for an insurance producer license for the line of surplus lines may be licensed, the individual must be licensed for surplus lines in their state of residence or domicile. A fee of $250.00 will be collected at the time of application.

A business entity (resident or nonresident) may submit an application for an insurance producer license for the line of surplus lines at www.nipr.com. Before the business entity may be licensed at least one officer, director, owner or designated employee must be licensed as an insurance producer for the line of surplus lines. Information on the individual(s) will be requested at the time of application.

Q: How long does it take for the Department to process a producer or adjuster application?

From receipt of a complete application (including fingerprint and confirmation of passage of tests, if applicable) it should normally take five to seven business days to process an electronic application and seven to ten days to process a paper application. Please note that these time frames may be longer if there are background issues such as a criminal record or administrative actions against the applicant or if child support arrearages or back taxes are owed by the applicant.

FINGERPRINTING

Q: Is an applicant required to be fingerprinted in order to become licensed as an insurance producer or adjuster in Louisiana?

All first-time individual resident producer and adjuster applicants must be fingerprinted in order to become licensed. Fingerprint results must be received by the Department before a license will be issued. You must schedule a time for submitting fingerprints with our vendor at www.prometric.com/Louisiana/Insurance.htm. Any criminal history record information obtained by this process are confidential, and shall be exempt from the public records law.

An applicant is not required to be fingerprinted if he is one of the following:

  1. a nonresident
  2. currently licensed as a resident and is adding a new license type or line of authority
  3. reinstating a producer license within five (5) years of date of lapse
  4. reinstating an adjuster license within twelve (12) months of license lapse
  5. actively licensed as a nonresident in Louisiana and are moving to Louisiana

Q: How does a person submit fingerprints in association with an application for a producer or adjuster license in Louisiana?

Fingerprints must be submitted electronically using our vendor, Prometric. While an applicant may take a Louisiana examination for a resident insurance producer or adjuster license at a Prometric location in any state, the fingerprints may only be submitted at a Prometric location within Louisiana. You must schedule an appointment to submit fingerprints at www.prometric.com/Louisiana/Insurance.htm.

Q: What is the time-frame for submission of fingerprints in association with an application for a producer or adjuster license?

Generally an individual submitting an application for a resident producer or adjuster license in Louisiana should schedule an appointment for submission of fingerprints within one week of submission of the application. Those applicants who are required to sit for an examination are encouraged to schedule the fingerprint submission for the same day as their examination. This will prevent multiple visits to the examination and fingerprinting locations.

You may schedule an appointment to submit fingerprints at www.prometric.com/Louisiana/Insurance.htm.

Q: If application is made for a business entity such as a corporation, partnership, limited liability company, etc., do we need to submit fingerprints for anyone?

Fingerprints are not required for submission of an application for a business entity.

Q: After a candidate has submitted fingerprints, how long does it take for the results from the criminal record check to get to the Department?

Generally the Department will receive fingerprint results within three to four days from submission of the fingerprints. If the Louisiana State Police or Federal Bureau of Investigation are unable to run the reports due to unreadable or unclear fingerprint submissions, it may take up to sixty (60) days for a check to be completed using alternate means.

PRELICENSING EDUCATION

Q: Who is required to take prelicensing education courses?

In general, completion of an approved prelicensing education course is required before a candidate can sit for an examination for a producer license for one or more of the lines of life, health and accident, property, casualty, personal lines or bail bonds.

The following are not required to complete an approved prelicensing education course before sitting for an examination:

  1. A person applying for a license as an insurance producer for authorization to write life insurance and having any of the following designations: Certified Employee Benefit Specialist (CEBS), Chartered Financial Consultant (ChFC), Certified Insurance Counselor (CIC), Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), The Fellow, Life Management Institute (FLMI) or The Life Underwriter Training Council Fellow Designation (LUTCF) .
  2. A person applying for a license as an insurance producer for authorization to write health and accident insurance and having any of the following designations: Registered Health Underwriter (RHU), Certified Employee Benefit Specialist (CEBS), Registered Employee Benefits Consultant (REBC) or Health Insurance Associate (HIA).
  3. A person applying for a license as an insurance producer for authorization to write property or casualty insurance and having any of the following designations: Accredited Advisor in Insurance Program (AAI), Associate in Risk Management (ARM), Certified Insurance Counselor (CIC) or Chartered Property and Casualty Underwriter (CPCU).
  4. A person applying for a license as an insurance producer to write any line of insurance and having a bachelor's degree or higher from an accredited college or university where the degree obtained includes major course work in insurance.

No prelicensing education is required for an individual applying for an insurance producer license for the lines of industrial fire, surplus lines, title insurance or limited life, health and accident, surety, credit, variable life and variable annuity, travel or specialty limited lines credit insurance nor is prelicensing education required for an individual applying for a claims or public adjuster license.

Q: How many hours of prelicensing education is required?

The minimum prelicensing education requirements will depend on the type of insurance producer license for which an application is being made. The minimum requirements are:

Life only20 hours
Health and accident only20 hours
Life, health and accident 40 hours
Property only20 hours
Casualty only20 hours
Property and casualty40 hours
Personal lines20 hours
Bail bonds  8 hours

Q: Where can I find a list of prelicensing providers?

A list of approved prelicensing providers is available at www.ldi.state.la.us/Licensing/Producer/PrelicensingEducationInformation.html. A producer licensing candidate must contact the provider directly to determine schedule and availability of prelicensing courses in his area.

Q: After prelicensing education, how long does a candidate have to pass the examination?

A candidate must sit for and pass the required examination within twelve months of the date of completion of the prelicensing course.

MANAGING GENERAL AGENTS

Q: What does the State of Louisiana require to become registered as a managing general agent (MGA)?

In order to become registered as an MGA, a person must be licensed as an insurance producer for both lines of property and casualty and appointed as an MGA by the insurer. The application fee is $300.00. The appointment fee is $300.00 per appointment. The proper application and appointment form are available at www.ldi.state.la.us/Documents/Licensing/Producer/ManageGenAgent.pdf.

Q: When does registration as a managing general agent (MGA) expire and how is it renewed?

Registration of a managing general agent expires each year on May 1. An MGA must renew registration prior to that date by filing the proper form. Renewal forms are mailed to all registered MGAs by March 1 of each year.

LETTER OF CERTIFICATION

Q: How do I obtain a letter of certification?

A licensed insurance producer or adjuster may obtain a Letter of Certification by logging into the Producer/Adjuster Portal at www.ldi.state.la.us/Programs/ProducerAdjusterPortal/-ProducerAdjusterPortalInstructions.html and following the instructions. The Letter of Certification may be printed directly from the Portal and there is no fee.

BAIL BOND PRODUCERS AND BAIL ENFORCEMENT AGENTS

Q. What are the requirements for Bail Enforcement Agents or Bounty Hunters?

Per La R.S. 22:1581, Bail Enforcement Agents/Bounty Hunters are required to obtain an insurance producer license for the line of bail bonds.

Q. What are the requirements to become licensed as a bail bond producer?

There are certain requirements that are unique to the process to become licensed as a resident individual bail bond producer in Louisiana. To become licensed as a resident individual bail bond producer, a person must do all of the following:

  1. Be employed as an apprentice with a Louisiana licensed bail bond producer for a period of six consecutive months. PLEASE NOTE: No person convicted of a felony is eligible for participation in the Bail Bond Apprentice Program.
  2. Take and pass an approved prelicensing course. A list of approved prelicensing providers is available at www.ldi.state.la.us/Licensing/Producer/PrelicensingEducationInformation.html. This course must be completed before the end of six month apprentice program.
  3. Submit a completed application at www.prometric.com/Louisiana/Insurance.htm. Fees will be collected at the time of application submission.
  4. Execute and submit directly to the Louisiana Department of Insurance an affidavit confirming your participation in the Bail Bond Apprentice Program. You may find the affidavit form at www.ldi.state.la.us/Documents/Licensing/Producer/BailBondApprenticeAffidavit.pdf.
  5. Schedule an appointment to sit for an examination and to submit fingerprints for a criminal record check by going to www.prometric.com/Louisiana/Insurance.htm. Any person already licensed as a resident insurance producer or adjuster is not required to submit fingerprints.

Q. What is the Bail Bond Apprentice Program?

Under Louisiana law (La. R.S. 22:1574) a person seeking to become a resident individual insurance producer for the line of bail bonds is required to first participate in the Bail Bond Apprentice Program.

The Bail Bond Apprentice Program is comprised of six consecutive months of employment with a Louisiana licensed bail bond producer (supervising producer) during which the apprentice is required to work no less than twenty-four hours per week. During this time the apprentice is to observe the supervising producer perform every phase of the bail bond business and to perform all of those phases except for the solicitation, negotiation, quotation of fees and execution of the bail bonds.

The apprentice must be paid by the supervising bail bond producer who is required to maintain records including time sheets and payroll information about that employment. These records are subject to examination and review by the Department of Insurance. The apprentice may not be paid commissions on insurance business written by the supervising producer and may not engage in any activity for which an insurance producer license is required. A person who has been convicted of any felony is prohibited from participating in the Bail Bond Apprentice Program.

Before the end of the apprentice program the apprentice must complete the prelicensing education course. After completion of the prelicensing course, the apprentice must submit an application for license to the Department and schedule and sit for the required examination within thirty days of the completion of the apprentice program. After submission of the application form to the Department the apprentice and the supervising producer must complete the Bail Bond Apprentice Program Affidavit and submit it directly to the Department of Insurance. You may find the proper form of the affidavit at www.ldi.state.la.us/Documents/Licensing/Producer/BailBondApprenticeAffidavit.pdf. No person will be allowed to sit for the required examination until the affidavit has been completed and submitted to the Department of Insurance.

An applicant for a resident insurance producer license for the line of bail bond will also be subject to the fingerprinting requirements.

CHANGE OF ADDRESS

Q: How do I notify the Department of a change of address for a licensee?

If the change of address does not involve a move from one state to another, an individual insurance producer or adjuster may submit a change of address at www.nipr.com.

A business entity or an adjuster that has not designated a home state with the National Insurance Producer Registry (NIPR) may submit a change of address by logging into the Producer/Adjuster Portal at www.ldi.state.la.us/Programs/ProducerAdjusterPortal/ProducerAdjusterPortal-Instructions.html and following the instructions.

If the change of address involves a move from one state to another, the requirements will depend upon the nature of the license in Louisiana and the states involved in the move.

A licensee who is licensed in Louisiana as a resident or nonresident and moves to another state other than Louisiana must submit a State-to-State Transfer Form. You can find the proper form at www.ldi.state.la.us/Documents/Licensing/Producer/StatetoStateTransferForm.pdf. This information must be submitted within thirty days of the effective date of the move. If the information is not submitted within thirty days of the move, the licensee must submit a first-time application with the appropriate fees.

A licensee who is a resident of a state other than Louisiana, is licensed in Louisiana as a nonresident, and who is moving to Louisiana must submit a first-time application and a Letter of Clearance from the previous state of residence. The licensee will be exempt from any prelicensing or examination requirements if the application and Letter of Clearance are submitted within ninety (90) days of the effective date of the move.

Insurance producers are required to notify the Department within ten days of the effective date of a change of address and insurance adjusters are required to make the notification within thirty days of the effective date of the change of address.

Q: How do I notify the Department of a change in the email address for a licensee?

An insurance producer or adjuster may update the email address they have on file with the Department by logging into the Producer/Adjuster Portal at www.ldi.state.la.us/Programs/-ProducerAdjusterPortal/ProducerAdjusterPortalInstructions.html and following the instructions.

Q: How do I notify the Department of the addition of a branch location for a licensee?

A business entity which holds an insurance producer license must notify the Department of the addition of a branch location within thirty days of the date of opening the location. This notice must be in writing and include the name and Louisiana producer license number of the business entity along with the full municipal address of the branch location. Louisiana law requires that an individual licensed insurance producer must be present at each branch location.

Adjusters are not required to submit notice of branch locations.

CHANGE OF NAME

Q: How does a licensed producer or adjuster notify the Department of a change of name?

PLEASE NOTE that you cannot transfer a license from one person or business entity to another. This process is only for individuals or business entities that are already licensed and are changing their name.

A licensed producer or adjuster must complete the COR-1 form to notify the Department of a change of the name of the licensee. Evidence of the name change must be submitted with the COR-1 for individuals. Such evidence would include a copy of the driver's license or other state issued identification card, court orders approving the name change, marriage certificates or divorce decrees.

A resident business entity must provide evidence from the Louisiana Secretary of State confirming the change of name of the business entity. A nonresident business entity must change the name on the license issued by the resident state before submitting the forms to this Department.

You can find the COR-1 form on our website at http://www.ldi.state.la.us/Documents/Licensing/Producer/changeofrecord.pdf.

TRADE NAMES

Q: What is a trade name?

A trade name is any name other than the legal name of the licensee used by that person to advertise, solicit or transact business. Under Louisiana law (La. R.S. 22:1552) an insurance producer doing business under any name other than the producer's legal name is required to notify the Commissioner of Insurance prior to using the assumed name. While the Louisiana Insurance Code is silent on the use of assumed names by insurance adjusters, the provisions of the Louisiana law governing trade names (La. R.S. 51:213) will still apply, and the Department will not add a trade name to an adjuster license without compliance with these laws.

Q: What is the process to add a trade name to a producer or adjuster license?

The process for adding a trade name will depend upon the type of license held and whether the licensee is a resident or a nonresident.

A Louisiana resident producer or adjuster may add a trade name to a license by taking the following steps:

  1. Register the trade name with the Louisiana Secretary of State. You may contact that Office at (225) 925-4704 to obtain the forms necessary for registration. You may also submit the application electronically on the Louisiana Secretary of State web site at http://www.sos.louisiana.gov/Home/Commercial-/Corporations/FileOnline/OriginalFilings/tabid/1009/Default.aspx.
  2. Complete and submit the COR-1 form to the Louisiana Department of Insurance. You can find the COR-1 Form on our web site at www.ldi.state.la.us/Documents/Licensing/Producer/changeofrecord.pdf

A nonresident producer or adjuster may add a trade name to a license by taking the following steps:

  1. Take the appropriate steps in the state of residence to add the trade name to the license.
  2. Complete and submit the COR-1 form to the Louisiana Department of Insurance. You can find the COR-1 Form on our web site at www.ldi.state.la.us/Documents/Licensing/Producer/changeofrecord.pdf

A nonresident producer or adjuster who wishes to use a trade name in Louisiana only and who does not wish to register that trade name in the state of residence may add a trade name to the Louisiana license by following the same steps required of a Louisiana resident licensee to add a trade name.

COMPANY APPOINTMENTS

Q: What is a company appointment?

A company appointment is the mechanism whereby an insurance company authorizes an insurance producer to represent the company to consumers. A company appointment may only be made or canceled by an insurance company.

Q: Can an insurance producer cancel a company appointment if they no longer work for the insurance company?

A company appointment may only be made or canceled by an insurance company. An insurance producer may not appoint themselves to a company nor may they cancel their appointment with an insurer.

Q: How does an insurance company submit a company appointment for a producer?

Company appointments and cancellations may be made electronically through the National Insurance Producer Registry (NIPR) web site at www.nipr.com. However, an insurance company domiciled in Louisiana which is owned exclusively by Louisiana residents may submit paper appointments using the proper forms to the Louisiana Department of Insurance and is not required to pay the fee for those appointments. Links to the proper forms for paper submissions are located at www.ldi.state.la.us/Licensing/Producer/company_appts.html.

Q: When do company appointments expire?

All company appointments expire on April 30 of each year and must be renewed by the insurance company prior to expiration.

Q: How does an insurer renew a company appointment?

An invoice is created each year on January 15 to renew all appointments in effect as of that date. The invoice is made available on the NIPR web site on February 1 of each year. This invoice includes all appointments through January 15 of the year. Payment is due by March 1. Late payments may be made through April 30, subject to a $10 fine per appointment. Terminations for any producers whose appointments you do not wish to continue must be terminated prior to invoicing. Invoices will not be adjusted and fees paid for renewal will not be refunded.

Any producers appointed between January 16 and April 15 are not included on the renewal invoice and must be re-appointed in order for their appointment to continue after May 1. The appointments must be re-submitted via NIPR between April 16 and April 30. The Department places a hold on appointment processing between April 16 and April 30. All appointments submitted during this time frame will be processed for May 1. If not-re-appointed, the appointment will expire as of April 30.

Q: How can a producer confirm that a company appointment has been processed?

A licensed insurance producer may view all of his active company appointments by logging into the Producer/Adjuster Portal at www.ldi.state.la.us/Programs/ProducerAdjusterPortal/-ProducerAdjusterPortalInstructions.html and following the instructions.

Any person may also view the active company appointments of a producer by using the search feature located at www.ldi.state.la.us/ProducerAdjusterSearch/Default.aspx?type=Producer. This search feature does not require a log-in and is available to anyone.

Q: Can an insurance producer be licensed without an appointment?

An insurance producer may obtain and maintain a license without a company appointment. However, a company appointment must be filed by an insurer within fifteen (15) days of the date the agency contract is executed and before any commissions may be paid to the insurance producer by the insurance company.

Q: Can an insurance producer submit business to an insurance company before an appointment is approved the Department of Insurance?

An insurance producer may submit business to an insurance company and an insurance company may accept business from an insurance producer prior to the submission or approval of an appointment. However, no commissions may be paid to an insurance producer by an insurance company until the appointment of the producer has been approved by the Department of Insurance. The insurance company must submit a notice of appointment within fifteen (15) days of the date the agency contract is executed. An insurance company may have an internal policy that prevents accepting business from a producer who is not appointed.

Q: If a business entity is appointed to an insurance company must all of the officers, directors and employees be appointed to the insurance company?

If a business entity is appointed, the officers, directors and employees have a right to solicit insurance on behalf of that insurance company. When individuals are soliciting, selling and negotiating insurance business on behalf of the appointed business entity, separate appointments are not required for these individuals. A producer acting independently of the business entity to sell, solicit or negotiate insurance on behalf of an insurer will require a separate appointment to the insurance company.

LICENSE EXPIRATION AND RENEWALS

Q: When does a producer or adjuster license expire?

An insurance producer license for an individual for one or more of the lines of life, health and accident, variable life and variable annuity, limited lines life, accident and health, credit or travel will expire on the last day of the birth month of the producer in the even-numbered year following issuance and on that same date each even-numbered year thereafter.

An insurance producer license for a business entity for one or more of the lines of life, health and accident, variable life and variable annuity, limited lines life, accident and health, credit or travel will expire on the April 30 in the even-numbered year following issuance and on that same day each even-numbered year thereafter.

An insurance producer license for an individual for one or more of the lines of property, casualty, personal lines, title, industrial fire, surety, bail bonds or surplus lines will expire on the last day of the birth month of the producer in the odd-numbered year following issuance and on that same date each odd-numbered year thereafter.

An insurance producer license for a business entity for one or more of the lines of property, casualty, personal lines, title, industrial fire, surety, bail bonds or surplus lines will expire on April 30 in the odd-numbered year following issuance and on that same day each odd-numbered year thereafter.

An adjuster license for an individual will expire on the last day of the birth month of the adjuster in the odd-numbered year following issuance and on that same date each odd-numbered year thereafter.

An adjuster license for a business entity will expire on April 30 in the odd-numbered year following issuance and on that same date each odd-numbered year thereafter.

Registration of a managing general agent expires May 1 of every year and must be renewed in addition to the renewal of the underlying insurance producer license.

Q: Will producers and adjusters be sent a reminder that it is time to renew their license?

The Department sends email reminders to licensees thirty days before the license is eligible for renewal. Paper renewal notices are no longer sent. It is imperative that every producer and adjuster has a valid email address on record with the Department in order to receive renewal reminders. A producer or adjuster may renew his license up to sixty days prior to the expiration of the license.

Q: What is the procedure to reinstate a producer or adjuster license which has expired?

A producer license may be reinstated within five (5) years of the expiration of the license. All applicable continuing education requirements must be met prior to submission of a reinstatement. To reinstate a producer license, the licensee must complete and submit a reinstatement form to the Louisiana Department of Insurance. Resident licensees must contact the Department at 225-342-0860 to obtain a paper reinstatement form. Nonresident licensees may submit a reinstatement form electronically at www.nipr.com. The licensee must pay a fee of $100.00 which is comprised of a renewal fee of $50.00 and a late fee of $50.00.

An adjuster license may be reinstated within twelve (12) months after expiration. All applicable continuing education requirements must be met prior to submission of a reinstatement. To reinstate an adjuster license, the licensee must complete and submit a reinstatement form to the Louisiana Department of Insurance. Resident licensees must contact the Department at 225-342-0860 to obtain a paper reinstatement form. Nonresident licensees may submit a reinstatement form electronically at www.nipr.com. The licensee must pay a fee of $150.00 which is comprised of a renewal fee of $50.00 and a late fee of $100.00.

Q: Are new license cards issued every renewal?

The Department does not issue a new license at each renewal. A licensee may obtain a Letter of Certification or wall certificate which shows the new expiration date for the license by logging into the Producer/Adjuster Portal at www.ldi.state.la.us/Programs/ProducerAdjusterPortal/-ProducerAdjusterPortalInstructions.html.

Q: If a licensee misses a renewal due to military deployment or other circumstances, are there any provisions for waiver of late fees?

Under Louisiana law a person who is unable to comply with provisions for the renewal of a producer or adjuster license due to military service or other extenuating circumstances may request waiver of these provisions. This request must be made in writing and signed by the licensee.

CONTINUING EDUCATION

Q: How many continuing education (CE) hours are needed to renew a producer or adjuster license?

Continuing education is only required for resident insurance producers and adjusters. This includes insurance adjusters who have designated Louisiana as their "home state" for the purpose of licensing. The requirements are as follows;

1. Producers licensed for one or more lines of life, health and accident,     property, casualty or personal lines 24 hours
2. Producers licensed for line of bail bonds12 hours
3. Producers licensed for line of title6 hours
4. Adjuster license24 hours

Beginning with the renewals in 2012 the CE hours for an insurance producer must include three (3) hours of education in ethics. Beginning with the renewals in 2013 the CE hours for an insurance producer with the lines of property, casualty or personal lines must include three (3) hours of education in flood in addition to the requirement for three (3) hours of education in ethics.

Q: How can a producer or adjuster get continuing education (CE) credit?

An insurance producer or adjuster can obtain CE credit by attending a presentation of a program or participating in a self-study program which has been approved for CE credit by the Louisiana Department of Insurance. In addition to standard programs for CE credit, the Department also approves many seminars, conventions, professional association meetings and other such programs for CE credit. To determine if a particular presentation has been approved for CE credit, you should contact the presenter of that program.

You can locate a list of providers of CE courses on our web site at www.ldi.state.la.us/Licensing/Producer/cont_ed.html.

In addition to attending an approved program, members of state or national professional associations may be granted up to four (4) continuing education credits each renewal period for actively participating in a state or national insurance association.

Q: When must continuing education credits be completed?

Continuing education credits must be submitted before the expiration of the license and before you submit the application for renewal of the license.

Q: How many hours of continuing education credit can a producer or adjuster carry over from one renewal period to the next?

An insurance producer licensed for any combination of the lines of life, health and accident, property, casualty or personal lines may carry over ten (10) hours of unused CE credits from one renewal period to the next. Insurance producers licensed for the lines of bail bonds or title and insurance adjusters may not carry over any unused CE credits from one renewal period to the next.

Q: Is there a way for a producer or adjuster to see how many CE hours the Department has on record for them?

A producer or adjuster can view the number of CE hours currently on record with the Department for them by logging into the Producer/Adjuster Portal at www.ldi.state.la.us/Programs/-ProducerAdjusterPortal/ProducerAdjusterPortalInstructions.html and following the instructions.

Q: If CE credit for a producer or adjuster is not listed on the Producer/Adjuster Portal what should the licensee do?

CE providers are required to notify the Department of completion of a CE program by an insurance producer or adjuster within fifteen days of the completion of the program. If a producer or adjuster logs into the Producer/Adjuster Portal and finds that a completed CE program is not listed and it has been more than fifteen (15) days since their completion of the program, the licensee may notify the Department by submitting a written notice along with a copy of the Certificate of Completion issued by the CE provider to the licensee. The written notice must include the name and license number of the producer or adjuster.

Q: Can an insurance producer or adjuster be exempted from CE requirements?

Louisiana law provides for exemption or waiver of continuing education requirements for insurance producers and adjusters in certain circumstances.

Age 65 Exemption

Insurance producers may request an exemption from continuing education requirements if the producer attains age sixty-five on or before January 1, 2012, has a minimum of fifteen (15) years experience as a licensed producer, and is either no longer actively engaged in the business of insurance or is engaged in the business of insurance and is appointed by at least one Louisiana licensed insurance company. To request this exemption a producer must complete the 65A Exemption Form and return it to the Department. The proper form is located at www.ldi.state.la.us/Documents/Licensing/Producer/65ARev.pdf.

This exemption from continuing education requirements is granted for life and no additional filings are required from the producer to extend the exemption. The producer must continue to submit a renewal application each renewal period. PLEASE NOTE: This exemption does not apply to the training required for all producers who sell, solicit or negotiate long-term care insurance products. These producers must continue to obtain no less than four hours of training in long term care insurance each renewal period.

This exemption is NOT available for an insurance adjuster in Louisiana

Military Service Waiver

A licensed producer or adjuster who is prevented from meeting the continuing education requirements for renewal of their producer or adjuster license due to military service may request a waiver of those requirements and renewal of the license. To make such a request the licensee must;

  1. Submit a written request for the waiver with an explanation of why he was unable to meet the continuing education requirements.
  2. Provide copies of their deployment or other orders confirming engagement in military service during the renewal period.

A producer or adjuster may submit this information up to five years after the lapse of a license to request that the license be reinstated without meeting the continuing education requirement and without paying a penalty or late fee for reinstatement. However, upon reinstatement of the license, the producer or adjuster becomes responsible for meeting the continuing education requirements for the next renewal of the license. If an additional waiver is required due to recurring military service, the producer or adjuster must file such a request again.

Medical Waiver

A licensed producer or adjuster who is prevented from meeting the continuing education requirements for renewal of his producer or adjuster license due to a medical condition or injury may request a waiver of those requirements and renewal of the license. To make such a request the licensee must;

  1. Submit a written request for the waiver with an explanation of why he was unable to meet the continuing education requirements.
  2. Provide a statement from a medical doctor confirming the inability of the producer or adjuster from attending continuing education programs or obtaining the continuing education credits through a program of self-study.

A producer or adjuster may submit this information up to five years after the lapse of a license to request that the license be reinstated without meeting the continuing education requirement and without paying a penalty or late fee for reinstatement. However, upon reinstatement of the license, the producer or adjuster becomes responsible for meeting the continuing education requirements for the next renewal of that license. If an additional waiver is required due to continuing medical condition or injury, the producer or adjuster must file this request in each subsequent renewal period of the license.

COMMISSIONS

Q: Can an insurance producer receive commissions without being appointed to and insurance company or prior to submission of an appointment by an insurance company?

An insurance producer who solicits, negotiates or effects applications for insurance policies for an insurance company may not be paid commissions by the insurance company until the company has submitted an appointment of the producer and the appointment has been processed by the Department of Insurance.

Q: When is it permissible for an insurance producer to split commissions with another person?

Under Louisiana law no insurance producer or insurance company may pay commissions on an insurance policy issued in Louisiana to any person who is not licensed as an insurance producer regardless of whether those commissions are paid directly or indirectly. The exceptions to this rule are:

  1. An insurance producer may pay or assign commissions, service fees, brokerage fees or other valuable consideration to an insurance agency or to persons who are not licensed as producers in Louisiana but are licensed in their state of domicile and act only to assist producers licensed in Louisiana in placing business with insurers authorized to do business in this state.
  2. Renewal or other deferred commissions may be paid to a person for selling, soliciting, or negotiating insurance in this state if the person was required to be licensed at the time of the sale, solicitation, or negotiation and was so licensed at that time.

Louisiana law does not prohibit payment of a "finder's fee" or "referral fee" to an unlicensed person. However, that payment cannot be conditioned upon the purchase of insurance nor calculated as a percentage of the premium or commissions received by the producer.

Q: Is an insurance producer required to maintain an active producer license in order to receive residual or renewal commissions?

Under Louisiana law (La. R.S. 22:1557 A(3)) a person is not required to hold an insurance producer license in order to receive renewal or other deferred commissions as long as the person was properly licensed at the time that the sale, solicitation or negotiation of the policy of insurance for which commissions are being paid occurred.