Louisiana Insurance CE Requirements: What Every Agent Needs to Know Before Renewal

If you're a licensed Louisiana insurance producer approaching your renewal deadline — or you're newly licensed and want to understand what comes next — this guide covers everything you need to know about the state's continuing education requirements. The Louisiana Department of Insurance requires all active resident producers to complete 24 hours of approved CE every two years, including 3 hours of ethics. Miss the deadline, and your license cannot be renewed. Stay on top of it, and renewal is a straightforward process. Here is exactly how it works.

The Basic CE Requirement

Every Louisiana resident insurance producer must complete 24 hours of approved continuing education during each two-year renewal period. Of those 24 hours, at least 3 must be from an approved ethics course. This 24/3 structure is consistent with most states in the comparison group — Kentucky, Indiana, Ohio, and Wisconsin all require 24 hours/3 ethics. Missouri is the lightest CE state in the group at 16 hours/3 ethics.

The 24-hour Louisiana requirement applies per license class — Life, Accident & Health, Property, and Casualty are separate license classes in Louisiana. Producers who hold multiple license classes should verify with the LDI whether CE hours are shared across classes or required independently per class, as this is a Louisiana-specific consideration that differs from states like Kentucky, where a single 24-hour block covers all lines.

⚠️ Verify with LDI at (225) 342-0860 whether CE hours are shared across Louisiana license classes or required per class before advising clients.

The New Legislative Updates Requirement (Effective July 31, 2027)

Beginning with renewals due on or after July 31, 2027, Louisiana producers must include at least 2 hours dedicated specifically to current Louisiana insurance law legislative updates as part of the 24-hour total. This requirement was established by Act 29 of the 2025 Regular Legislative Session. The 2-hour legislative updates content is in addition to the 3-hour ethics requirement — both must be included within the 24-hour total, meaning the remaining flexible hours are reduced to 19 for producers subject to this requirement.

This is a significant and recent change that reflects the pace of legislative activity in Louisiana's insurance market — the state passed major tort reform legislation in 2025 and updated comparative fault rules effective January 1, 2026. The legislative updates CE requirement is designed to ensure producers stay current on these developments.

Renewal Period and Deadline

Louisiana insurance producer licenses expire on the last day of the licensee's birth month, every two years. All required CE must be completed before the renewal application is submitted. The renewal fee for resident individual producers is $50.

⚠️ Late renewal fees and reinstatement procedures — verify current penalty amounts with LDI at (225) 342-0860 or ldi.la.gov.

How CE Hours Are Reported

Approved CE providers report course completions to the LDI electronically. As a licensee, you are responsible for verifying that your CE credits are accurately reflected in your LDI record before submitting your renewal application. Check your CE status through your Industry Access account at ldi.la.gov. Discrepancies between provider reporting and LDI records take time to resolve — do not wait until the month before renewal to check.

Specialty Training Requirements and CE Credit

Louisiana's specialty training requirements count toward CE in important ways, but Louisiana's structure differs from some comparison states in meaningful respects.

The Annuity Best Interest training (4-hour one-time) counts toward CE in the period completed. LTC training — 8 hours initial, then 4 hours ongoing every renewal period — counts toward CE each period. The NFIP flood training (3 hours per 2-year renewal period — ongoing, not one-time) counts toward CE each period. Pet insurance training counts toward CE. This means producers who sell multiple specialty products can satisfy a meaningful portion of their 24-hour CE obligation through required specialty coursework.

CE Comparison: Louisiana vs. Neighboring States

Louisiana's ongoing flood training requirement and the upcoming legislative updates requirement set it apart from the comparison group. For producers in a state that experiences more natural disasters and more legislative activity than virtually any other state in the country, these requirements reflect the real and current knowledge producers need to serve clients well.

Frequently Asked Questions

• How many CE hours does a Louisiana insurance producer need every two years? 24 hours of approved continuing education, including at least 3 hours of ethics. Beginning with renewals due on or after July 31, 2027, the total must also include 2 hours of Louisiana insurance law legislative updates, per Act 29 of the 2025 session.
• Is Louisiana's 3-hour NFIP flood training a one-time requirement or ongoing? Ongoing. Louisiana P&C and Personal Lines producers must complete a 3-hour NFIP flood insurance certification training course during each 2-year renewal period. This is different from Kentucky and Indiana, where the flood training is a one-time one-time requirement. The ongoing requirement reflects Louisiana's status as one of the highest flood-risk states in the nation.
• What is the new legislative updates CE requirement effective July 31, 2027? Beginning with renewals due on or after July 31, 2027, Louisiana producers must include 2 hours dedicated to current Louisiana insurance law legislative updates as part of their 24-hour CE total. This was established by Act 29 of the 2025 Regular Legislative Session and reflects the volume of significant legislative changes to Louisiana insurance law in recent years.
• How does LTC training count toward Louisiana CE? Life and A&H producers who sell LTC in Louisiana must complete an 8-hour initial LTC training course before their first LTC sale. After the initial course, a 4-hour ongoing LTC course is required every renewal period. Both the initial and ongoing LTC credits count toward the 24-hour CE total in the applicable period.
• Where do I check my Louisiana CE compliance status? Log into your Industry Access account at ldi.la.gov. Your CE credits should be reflected there as providers report completions to the LDI electronically. Check your record at least quarterly throughout the renewal period — do not wait until the month before your renewal deadline. JustInsurance's Louisiana-approved CE courses cover ethics, Annuity Best Interest, LTC, NFIP flood, and the new legislative updates requirement — everything you need to complete your 24 hours and renew on time. Enroll at JustInsurance today and build your CE plan for the current renewal period before your deadline arrives.