Producer and Adjuster
License Application Information

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An examination is required for producer applicants for the lines of Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, Bail Bonds, Title, Surplus Lines, Surety and Industrial Fire. The producer lines of Credit, Travel, Variable Life and Variable Annuity and Limited Life, Health and Accident do not have an exam requirement. All Claims Adjuster lines and Public Adjusters require an examination.

To apply for a license:

1. Contact PSI to schedule your license examination, if an examination is required. (Bail bond and Public Adjuster applicants see special requirements below.)
2. Submit license application through NIPR.
3. Be fingerprinted.

LDI will receive test scores from PSI within one to two days. Results from fingerprinting are generally received within seven to 10 days.

Individuals who are already actively licensed as a resident and are adding a new license type or line of authority are not required to be fingerprinted.

Additional Requirements for Bail Bond Applicants
Applicants for a producer license with bail bond authority must first complete a three month apprenticeship program and receive preauthorization prior to scheduling the license examination. For details about the apprenticeship program and the application process for bail bonds, click here.

Additional Requirements for Surplus Lines Applicants
Resident surplus lines applicants must currently be licensed for property & casualty or accident & health or sickness and must have held the license for at least two years or have two years of professional experience with an insurer.

Additional Requirements for Title Applicants
Please review Title License Qualifications. This section for additional items which must be submitted with a license application for title authority.

Additional Requirements for Public Adjuster Applicants
Applicants for a public adjuster license must file an application for a public adjuster license prior to scheduling the public adjuster examination. LDI will notify PSI that an applicant is eligible to schedule an examination after the application is filed.

Public adjusters are also required to hold a surety bond in the amount of $50,000. The license will not be issued until the original bonds form is received by LDI.

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Individuals who have moved to Louisiana and are transferring a resident license held in the prior state of residence qualify for an exemption exam requirements. This exemption is available only if the person is currently licensed in that state or if the application is received within ninety days of the cancellation of the applicant's previous license. Individuals transferring their resident license to Louisiana are required to file a resident license application and comply with fingerprinting requirements.

After filing your online application, contact LDI at [email protected] to request your exam exemption. Be sure to include the NIPR application transaction number in your correspondence. A letter of clearance may be requested if evidence of licensure cannot be located on the national licensing database.

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All nonresident individuals can submit their license application through NIPR. All supporting documentation can be provided through the NIPR Attachment Warehouse. Public adjusters must have an original surety bond on file with LDI before a license can be issued

There are additional application requirements for title authority listed under Title License Qualifications. Please review this section for additional items which must be submitted with a license application for title authority

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All resident and nonresident business entity applicants can submit their license applications through NIPR. Business entity applicants must have at least one designated responsible individual who is already licensed at the time of application for the line(s) of authority the entity will be applying for. The designated individual is responsible for the business entity's compliance with the insurance laws, rules, and regulations of this state. Producer entities should also be aware of the affiliation requirements pursuant to 22:1546 B.

Public adjusters must have an original surety bond on file with LDI before a license can be issued

There are additional application requirements for title authority listed under Title License Qualifications. Please review this section for additional items which must be submitted with a license application for title authority

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Act 312 of the 2016 Legislative Session requires the licensure of insurance consultants effective August 1, 2016. A consultant is defined as any person or entity which offers for a fee or other valuable consideration any advice, counsel, opinion, or related services to risk evaluation or management, the benefits, coverages, exclusions, or provisions under an insurance policy, or involving the advantages or disadvantages of an insurance policy, or any formal plan of managing risk.

Dual Licensing
Consultant licenses will be issued to both individuals and entities for the lines of Life, Accident & Health or Sickness, Property, Casualty and/or Variable Contracts. A person can be licensed as both a producer and a consultant; however, a consultant who is also licensed as a producer may not sell, solicit or negotiate contracts of insurance and may not receive directly or indirectly any compensation for the sale of insurance coverages which were the subject of a consulting contract during the term of the consulting contract.

Qualifications
Individual resident applicants must pass a license examination. Resident individuals must also comply with fingerprinting requirements. Individuals who are already actively licensed as producers for the same line of business will be exempt from exam requirements. Consultants must also comply with the same continuing education requirements that apply to producers.

Nonresident applicants must hold an equivalent license in their home state.

Contract Required
A person licensed as a consultant must enter into a written contract with a client prior to providing consulting services. The contract must contain the following disclosures:

1. The services to be provided to the insured and prospective insureds.
2. The beginning and ending date of the agreement.
3. Any insurance to which the contract for consulting services applies.
4. Arrangements for compensation, whether by flat rate, hourly rate or other valuable consideration.
5. If the consultant is dually licensed as an insurance producer.
6. If the consultant has any interest or affiliation with any insurance producer, broker or insurer involved within the scope of the consulting work.

The contract does not need to be submitted for approval prior use; however, it must be provided to the department within 10 days upon written request.

License Exemptions
The definition of "insurance consultant" does not include:

1. Attorneys while working in the capacity of an attorney.
2. Litigation support or insurance expert witness services related to litigated matters.
3. Claims adjusters.
4. Public adjusters, appraisers, contractors, or engineers engaged in the settlement of insurance claims, who do not have a direct or indirect financial interest in any aspect of the claim, other than the compensation established in the written contract with the insured.
5. A licensed insurance producer who offers advice or consulting with respect to any of the following, regardless of whether the insurance producer is compensated by commission or agency fees for such advice, consulting, or services:
   • Risk evaluation or management, risk transfer, self-insurance, self-insured retention programs.
   • The benefits, coverages, exclusions, or provisions under any policy of insurance.
   • The advantages or disadvantages of any policy of insurance or plan of managing risk.
   • Any other advice, consulting, or related policyholder services in conjunction with risk and insurance programs provided as an insurance producer.
6. Loss control and accident prevention consultants.
7. Certified public accountants while working in their capacity as an accountant.
8. Actuaries who are members of the American Academy of Actuaries.

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The Commissioner of Insurance may consider criminal conviction(s) as a basis for denial of an insurance license. When evaluating a criminal conviction of an applicant, the commissioner will consider:

1. The nature and seriousness of the offense.
2. The nature of the specific duties and responsibilities for which the license is required.
3. The amount of time that has passed since the conviction.
4. Facts relevant to the circumstances of the office including any aggravation or mitigating circumstance or social conditions surrounding the commission of the offence.
5. Evidence of rehabilitation or treatment undertaken by the person since the conviction.

To obtain detailed information sufficient to make a licensing decision, resident applicants with a criminal background disclosure on the license application are required to complete a Criminal History Disclosure Form to supplement the application file.

Under Federal law (18 U.S.C. §1033 and §1034), a person convicted of a felony involving dishonesty or breach of trust is prohibited from participating in the business of insurance unless written consent is issued by the Insurance Commissioner. The determination if written consent pursuant to 18 U.S.C. §1033 and §1034 is needed and if such written consent should be granted will be made in conjunction with the review of the license application.

Producers should be aware that employing or associating individuals who have been convicted of a felony with their insurance business is grounds for administrative action against their own license unless a waiver has been granted pursuant to La. R.S. 22:1554 (A)(14). Producers should review Advisory Letter 2018-02 and Regulation 119 for additional information regarding a waiver.

Pursuant to La. R.S. 37:33, an individual may request a pre-application eligibility determination prior making an application, sitting for an examination, or meeting any of the other general qualifications for a license. Requesting such a determination is optional and is not a requirement prior to making an application. This determination will be made based solely on the information provided by the requestor and is relevant specifically to whether the criminal conviction(s) disclosed in the request will preclude the requestor from obtaining a license. Failure to fully disclose information or providing false or misleading information in the request will void any determination made based on that information. The individual may file the Request for Pre-Application Eligibility Determination”.

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