Georgia Life & Health Insurance License Exam Overview
The Georgia Life & Health Insurance License Exam is administered by Prometric on behalf of the Georgia Office of Insurance and Safety Fire Commissioner. Georgia is the eighth-largest state by population, with Atlanta serving as a major insurance hub in the Southeast.
Passing this exam qualifies you to sell life insurance, health insurance, annuities, and related products throughout Georgia—a state with over 10 million residents and a thriving business community.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 110 multiple-choice |
| Scored Questions | 110 |
| Time Limit | 2 hours |
| Passing Score | 70% (77 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $59 |
| Pre-licensing Education | 40 hours required |
Why Get Licensed in Georgia?
- Major Southeast market — Over 10 million potential clients
- Atlanta insurance hub — Home to major insurers and agencies
- Strong economy — Diverse industries driving insurance demand
- Growing population — One of the fastest-growing states
- Competitive compensation — Average agent salary over $65,000
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Key Topics Covered on the Exam
1. Life Insurance Fundamentals (35%)
Types of Life Insurance:
- Term Life (level, decreasing, renewable, convertible)
- Whole Life (ordinary, limited pay, single premium)
- Universal Life (flexible premiums, adjustable death benefit)
- Variable Life (securities-based, separate account)
Policy Provisions Under Georgia Law:
| Provision | Georgia Requirement |
|---|---|
| Grace Period | 31 days minimum |
| Incontestability | 2 years |
| Suicide Clause | 2 years |
| Free Look Period | 10 days |
| Reinstatement | 3 years |
| Misstatement of Age | Adjustment of benefits |
Beneficiary Designations:
- Primary and contingent beneficiaries
- Revocable vs. irrevocable designations
- Per stirpes vs. per capita distribution
- Community property considerations
2. Health Insurance Fundamentals (35%)
Major Medical Coverage:
- Deductibles, copays, coinsurance
- Out-of-pocket maximums
- Network types (HMO, PPO, EPO, POS)
- Essential health benefits under ACA
Georgia-Specific Health Topics:
- Georgia Access marketplace (state-based exchange)
- Peachcare for Kids (CHIP program)
- Georgia Medicaid expansion considerations
- Mental health parity requirements
Disability Income Insurance:
- Short-term vs. long-term disability
- Own occupation vs. any occupation definitions
- Elimination periods and benefit periods
- Social Security integration
Long-Term Care Insurance:
- Benefit triggers (ADLs, cognitive impairment)
- Georgia Partnership program
- Tax-qualified policies
- Inflation protection options
3. Annuities (10%)
- Fixed vs. variable annuities
- Immediate vs. deferred annuities
- Accumulation and annuitization phases
- Georgia annuity suitability requirements
- Surrender charges and market value adjustments
4. Georgia Insurance Code and Regulations (20%)
O.C.G.A. Title 33 Key Provisions:
- Producer licensing requirements
- Unfair trade practices
- Unfair claims settlement practices
- Replacement regulations
- Advertising guidelines
Licensing Requirements:
- Pre-licensing education: 40 hours
- Continuing education: 24 hours every 2 years
- Ethics requirement: 3 hours included in CE
- Background check required
- Resident license application through CDI
Producer Responsibilities:
- Fiduciary duties
- Premium handling requirements
- Record retention (5 years in Georgia)
- Reporting address and name changes
5. Ethics and Professional Conduct (10%)
- Suitability and needs analysis
- Disclosure requirements
- Privacy and confidentiality (HIPAA compliance)
- Anti-rebating and anti-twisting rules
- Handling complaints and grievances
Study Timeline for Success
| Week | Focus Area | Hours |
|---|---|---|
| Week 1-2 | Life insurance products and provisions | 12-15 |
| Week 2-3 | Health insurance and ACA | 12-15 |
| Week 3-4 | Annuities and specialty products | 6-8 |
| Week 4-5 | Georgia regulations (O.C.G.A. Title 33) | 8-10 |
| Week 5-6 | Practice exams and review | 12-15 |
Total recommended study time: 50-65 hours
🎯 Free Practice Questions Available
Test your knowledge with hundreds of free practice questions designed specifically for the Georgia Life & Health exam.
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Georgia-Specific Exam Tips
1. Know Your Georgia Laws
The exam tests Georgia-specific regulations extensively:
- O.C.G.A. Title 33 — Insurance Code
- Georgia Access — State health exchange
- Commissioner powers — Enforcement authority
- Producer licensing — Application and renewal
2. Master the Numbers
| Topic | Georgia Requirement |
|---|---|
| Grace period | 31 days |
| Free look period | 10 days |
| Incontestability | 2 years |
| CE requirement | 24 hours/2 years |
| Pre-licensing | 40 hours |
| Passing score | 70% |
| Record retention | 5 years |
3. Understand Georgia Access
Georgia's state-based health insurance marketplace:
- Open enrollment periods
- Special enrollment qualifications
- Subsidy and tax credit eligibility
- Plan tier options (Bronze through Platinum)
4. Focus on Policy Provisions
Georgia has specific requirements for:
- Grace periods (31 days for life insurance)
- Free look periods (10 days standard)
- Reinstatement provisions
- Nonforfeiture options
Common Mistakes to Avoid
- Underestimating Georgia regulations — O.C.G.A. Title 33 is heavily tested
- Confusing grace periods — Georgia uses 31 days, not 30
- Skipping health insurance — It's equal weight to life insurance (35% each)
- Ignoring ethics requirements — Professional conduct is always tested
- Not practicing timed exams — 2 hours goes fast with 110 questions
- Cramming last minute — Spread study over 5-6 weeks
After Passing Your Exam
- Apply for license through Georgia OCI online portal
- Complete background check — Required for all applicants
- Pay license fee — $15 for resident license
- Affiliate with insurer — Contract with appointing company
- Maintain CE compliance — 24 hours every 2 years
- Begin selling — Your license is valid for 2 years
2026 Georgia Updates
For 2026, be aware of:
- Georgia Access marketplace updates
- Modified telehealth coverage requirements
- Updated producer appointment rules
- Enhanced consumer protection regulations
Start Your Georgia Insurance Career Today
The Georgia Life & Health license opens doors to one of the Southeast's largest insurance markets. With proper preparation, you can pass the exam on your first attempt.
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Our free study materials include:
- ✅ Complete topic coverage
- ✅ Practice questions with explanations
- ✅ Georgia-specific regulations (O.C.G.A. Title 33)
- ✅ Study guides and summaries
- ✅ AI-powered study assistance
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