To solicit insurance in Louisiana, which license is required for an out-of-state producer?

• A. A Louisiana resident license is sufficient to solicit insurance in Louisiana
• B. A federal license is required to solicit insurance in Louisiana
• C. No license is needed to solicit insurance in Louisiana
• D. A Louisiana nonresident license is required to solicit insurance in Louisiana

Answer: (D)

In Louisiana, you must be licensed to solicit insurance. For someone who lives out of state, the proper route is a Louisiana nonresident license. A resident license covers people living in Louisiana, so it wouldn’t authorize an out-of-state producer to solicit there. Federal licenses don’t govern state-regulated insurance activities, and operating without a license isn’t allowed. The nonresident license is typically issued after you hold a valid license in your home state and meet Louisiana’s filing and appointment requirements, sometimes with insurer appointments and fees. Once issued, it authorizes you to solicit and negotiate within the lines of authority you're licensed for, with any Louisiana-specific rules you must follow.