Key Takeaways
- Georgia requires 8 hours of pre-licensing education per line (16 hours for combined L&H per recent rule changes)
- The exam is administered by Pearson VUE with a 70% passing score required
- Combined LA&S exam has 135 questions with 2.5 hours; exam fee is $63
- Georgia requires 24 hours of CE every 2 years (20 hours for 20+ year licensees) including 3 ethics hours
- Failed exam attempts require 14-day wait after first two failures, then 60-day wait for subsequent attempts
Georgia Life & Health Exam Overview
Welcome to OpenExamPrep's FREE Georgia Life & Health Insurance exam prep guide. This comprehensive resource covers Georgia-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam.
About the Georgia L&H Exam
The Georgia Life & Health insurance examination is administered by Pearson VUE on behalf of the Georgia Office of Insurance and Safety Fire Commissioner (OCI). The exam tests your knowledge of:
- Georgia Insurance Code (Title 33)
- Life insurance principles and coverages
- Health insurance including major medical, disability, and LTC
- Annuities and retirement products
- Ethics and professional conduct
Exam Structure
| Exam Component | Details |
|---|---|
| Testing Provider | Pearson VUE |
| Regulatory Authority | Office of Insurance and Safety Fire Commissioner (OCI) |
| Exam Name | LA&S (Life, Accident & Sickness) |
| Total Questions | 135 |
| Time Limit | 2.5 hours (150 minutes) |
| Passing Score | 70% or higher |
| Question Format | Multiple choice |
| Exam Fee | $63 |
Retake Policy
Georgia has specific waiting periods for exam retakes:
| Attempts | Waiting Period |
|---|---|
| After 1st failure | 14 days |
| After 2nd failure | 14 days |
| After 3rd+ failure | 60 days |
Pre-Licensing Education Requirements
Georgia requires pre-licensing education from a state-certified provider.
Hours Required (Per Rule 120-2-3-.08)
| License Type | Hours Required |
|---|---|
| Life Only | 8 hours |
| Accident & Sickness Only | 8 hours |
| Combined LA&S | 16 hours |
Pre-Licensing Course Requirements
| Requirement | Details |
|---|---|
| Course Provider | Must be Georgia OCI-certified |
| Final Exam | Must pass proctored exam with 70%+ |
| Certificate Validity | 12 months from passing date |
| Approval | Courses approved by OCI |
Important: Your Certificate of Course Completion is valid for 12 months from the date you pass your pre-licensing course final exam. Take your state exam within this window.
License Application Process
Step-by-Step Process
-
Complete Pre-Licensing Education
- 16 hours for combined LA&S
- From a Georgia OCI-certified provider
- Pass proctored final exam with 70%+
- Obtain certificate of completion
-
Schedule Your Exam
- Register with Pearson VUE
- Pay $63 exam fee
- Choose testing center location
-
Take the Exam
- Bring valid photo ID
- Complete 135 questions in 2.5 hours
- Pass with 70%+ score
- Results provided immediately
-
Apply for License
- Submit application online through OCI
- Pay application fee ($100) plus processing fee ($20)
- Total application cost: $120
- Apply within 1 year of passing exam
-
Receive License
- License issued upon approval
- Valid for 2 years
- Renew on/before last day of birth month
Total Estimated Costs
| Item | Cost |
|---|---|
| Pre-License Education | $100-200 (varies by provider) |
| Exam Fee | $63 |
| License Application Fee | $100 |
| Processing Fee | $20 |
| TOTAL | ~$283-383 |
License Maintenance
| Licensee Type | CE Hours | Ethics Hours |
|---|---|---|
| Less than 20 years | 24 hours every 2 years | 3 hours |
| 20+ years licensed | 20 hours every 2 years | 3 hours |
| Professional designations | 12 hours every 2 years | 3 hours |
Professional Designation Exemptions
Individuals holding these designations only need 12 hours of CE (including 3 ethics):
- CPCU (Chartered Property Casualty Underwriter)
- CLU (Chartered Life Underwriter)
- FLMI (Fellow, Life Management Institute)
- CIC (Certified Insurance Counselor)
- CEBS (Certified Employee Benefit Specialist)
- ChFC (Chartered Financial Consultant)
- AAI (Accredited Advisor in Insurance)
- CFP (Certified Financial Planner)
- BBA in Risk Management and Insurance (accredited college)
CE Carryover Policy
Excess CE hours may be carried over to the next renewal period:
- Maximum carryover: 50% of CE requirement
- Excess ethics hours apply as general credits (not ethics)
- Cannot carry over as ethics credits
CE Course Requirements
All CE courses must have a proctored final exam requiring 70% to pass.
Georgia OCI Contact
| Resource | Details |
|---|---|
| Website | oci.georgia.gov |
| Address | 2 Martin Luther King Jr. Dr., Suite 716 West Tower, Atlanta, GA 30334 |
| Phone | (404) 656-2070 |
| Ask-OCI@oci.ga.gov |
What This Guide Covers
This FREE study guide focuses on Georgia state-specific content:
Chapter 1: Georgia Insurance Regulation & Licensing
- OCI structure and authority
- Producer licensing requirements and continuing education
- Georgia Insurance Code (Title 33) overview
Chapter 2: Georgia Life Insurance Regulations
- Georgia-specific life insurance laws
- Policy requirements and consumer protections
- Georgia Life & Health Insurance Guaranty Corporation
Chapter 3: Georgia Health Insurance Regulations
- Health insurance requirements in Georgia
- Georgia Access health marketplace
- Group and individual health coverage rules
Chapter 4: Georgia Ethics & Consumer Protection
- Fiduciary duties and professional conduct
- Prohibited practices and penalties
- Consumer complaint procedures
Chapter 5: Georgia Annuities & Retirement Products
- Annuity regulations and suitability
- Best interest standards
- Senior protection requirements
Chapter 6: Georgia Long-Term Care & Medicare
- LTC insurance requirements
- Medicare supplement regulations
- Georgia Partnership program
Note: This guide covers ONLY Georgia state law. Complete the national Life & Health exam first for foundational knowledge.
Georgia Insurance Market Context
Key Georgia Insurance Facts
-
Major Insurance Center
- Atlanta is a major insurance hub
- Many regional and national carriers
- Strong insurance employment market
-
Growing Population
- Fast-growing state
- Diverse demographics
- Expanding suburban markets
-
Regulatory Environment
- OCI handles insurance regulation
- Consumer protection focus
- Active enforcement
-
Market Characteristics
- Large senior population
- Significant health insurance market
- Growing annuity sales
Study Tips for Georgia Exam
Recommended Study Plan
| Week | Focus Area | Hours |
|---|---|---|
| Week 1 | Life insurance pre-licensing | 8 hours |
| Week 2 | Health insurance pre-licensing | 8 hours |
| Week 3 | Georgia-specific laws (Title 33) | 8-10 hours |
| Week 4 | Practice exams and review | 10-15 hours |
Key Focus Areas
-
Georgia Insurance Code (Title 33)
- State-specific requirements
- Consumer protection laws
- Producer obligations
-
OCI Authority
- Regulatory powers
- Enforcement actions
- Complaint procedures
-
Exam Time Management
- 135 questions in 150 minutes
- About 1 minute per question
- Budget time wisely
Next Steps
Ready to begin? Here's your action plan:
- Enroll in pre-licensing course - 16 hours for combined LA&S
- Pass course final exam - Proctored, 70% required
- Complete this FREE study guide - Read all 6 chapters
- Take chapter quizzes - Test your knowledge
- Register with Pearson VUE - Within 12 months of course completion
- Practice with full exams - Aim for consistent 80%+ scores
- Pass exam - $63 fee, 70% required
- Apply for license - $120 total fees
Remember: Georgia pre-licensing certificates are only valid for 12 months. Plan your exam schedule accordingly.
Let's get started with Chapter 1: Georgia Insurance Regulation & Licensing!
How many hours of pre-licensing education does Georgia require for a combined Life, Accident & Sickness license?
What is the exam fee for the Georgia insurance licensing exam?
How long do you have to wait to retake the Georgia insurance exam after failing it three times?
How many CE hours must Georgia producers with 20+ years of experience complete every 2 years?