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200+ Free GA Life & Health Practice Questions

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Which state agency is responsible for regulating insurance companies and producers in Georgia?

A
B
C
D
to track
2026 Statistics

Key Facts: GA Life & Health Exam

110+10

Scored + Pretest Questions

Pearson VUE GA content outline (Feb 2026)

120 min

Exam Time

Pearson VUE GA handbook (Feb 2026)

$63

Exam Fee

Pearson VUE GA handbook (Feb 2026)

70%

Passing Score

Pearson VUE GA handbook (Feb 2026)

20 hrs

Prelicense Path (32-15)

Georgia producer licensing handbook

24 hrs

CE Every 2 Years

Georgia OCI producer CE guidance

Georgia's February 6, 2026 Pearson VUE handbook lists exam 32-15 (Life, Accident & Sickness Agent) at 110 scored questions plus 10 pretest questions, 120 minutes, $63 fee, and 70% passing score. Georgia's licensing handbook also lists a 20-hour prelicensing path for this combined line. Georgia CE guidance requires 24 hours every 2 years, including ethics.

Sample GA Life & Health Practice Questions

Try these sample questions to test your GA Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which state agency is responsible for regulating insurance companies and producers in Georgia?
A.Georgia Insurance Commission
B.Georgia Office of Commissioner of Insurance and Safety Fire (OCI)
C.Georgia Bureau of Insurance Regulation
D.Georgia Department of Finance, Insurance Division
Explanation: The Georgia Office of Commissioner of Insurance and Safety Fire (OCI) is the state agency that regulates insurance activities under Title 33 of the Official Code of Georgia Annotated (O.C.G.A.). The Georgia Insurance Commission, Bureau of Insurance Regulation, and Department of Finance Insurance Division do not exist as named. The Commissioner is elected statewide by Georgia voters.
2How is the Georgia Commissioner of Insurance and Safety Fire selected?
A.Appointed by the Governor and confirmed by the Georgia Senate
B.Elected by popular vote in a statewide election
C.Appointed by the Georgia Legislature
D.Selected by a board of insurance industry representatives
Explanation: In Georgia, the Commissioner of Insurance and Safety Fire is elected by popular vote in a statewide election. The office is not appointed by the Governor or Legislature.
3Under Georgia law, which title of the Georgia Code governs insurance regulation?
A.Title 8 - Commercial Law
B.Title 22 - Health, Mental Health, and Environmental Control
C.Title 33 of the Official Code of Georgia Annotated (O.C.G.A.) - Insurance
D.Title 34 - Professions and Businesses
Explanation: Title 33 of the Official Code of Georgia Annotated (O.C.G.A.) is specifically designated as the Insurance Code and contains all statutes governing insurance companies, producers, policies, and regulatory requirements in the state. Title 8 covers commercial law, Title 22 addresses health administration, and Title 34 covers other professions but not insurance producers specifically.
4For Georgia's combined Life, Accident and Sickness (32-15) exam path, what pre-licensing course length is commonly required before testing?
A.16 hours
B.20 hours
C.24 hours
D.40 hours
Explanation: Georgia's producer licensing handbook lists a 20-hour prelicensing course path for the combined Life, Accident and Sickness line. Candidates should verify the exact line and qualification route before scheduling.
5What is the minimum age requirement to obtain an insurance producer license in Georgia?
A.16 years old
B.18 years old
C.19 years old
D.21 years old
Explanation: Georgia requires that insurance producer license applicants be at least 18 years of age. While Georgia's general age of majority is 19, the insurance producer licensing requirement is 18. An applicant who is 16 is too young, and there is no 21-year-old requirement for producer licensing in Georgia.
6How many hours of continuing education (CE) must a Georgia insurance producer complete per biennial licensing period?
A.12 hours per year
B.20 hours per biennium
C.24 hours per biennium
D.30 hours per biennium
Explanation: Georgia requires insurance producers to complete 24 hours of approved continuing education during each two-year (biennial) licensing period. This includes specific hours dedicated to ethics training. 20 hours is the pre-licensing requirement, not CE. 12 hours per year and 30 hours per biennium are not the correct Georgia CE requirements.
7A Georgia insurance producer fails to renew their license before the expiration date. What is the consequence under Georgia law?
A.The license is automatically renewed with a late fee
B.The producer may continue selling for 30 days while completing renewal
C.The producer must cease all insurance activities until the license is reinstated
D.The OCI will issue a temporary permit valid for 90 days
Explanation: Under Georgia law, a producer whose license has expired must immediately cease all insurance activities. Transacting insurance without a valid license is a violation of Title 33 of the Official Code of Georgia Annotated (O.C.G.A.). There is no automatic renewal, no grace period to continue selling, and the OCI does not issue temporary permits for lapsed licenses. The producer must apply for reinstatement and may be subject to penalties.
8Which of the following actions would the Georgia Commissioner of Insurance be authorized to take against a licensed producer who violates Title 33 of the Official Code of Georgia Annotated (O.C.G.A.)?
A.Impose criminal penalties including imprisonment
B.Revoke, suspend, or refuse to renew the producer's license and impose civil penalties
C.Order the producer to pay restitution directly to consumers without a hearing
D.Transfer the producer's license to another state for disciplinary proceedings
Explanation: The Georgia Commissioner of Insurance has the authority to revoke, suspend, or refuse to renew a producer's license and impose civil penalties for violations of insurance laws. Criminal penalties require prosecution through the court system, not the Commissioner's office. The Commissioner cannot order restitution without due process, and licenses are state-specific and cannot be transferred to another jurisdiction for discipline.
9A nonresident producer wants to sell life insurance in Georgia. Which of the following is required?
A.The producer must establish a physical office in Georgia
B.The producer must hold a valid license in their home state and apply for a nonresident license in Georgia
C.The producer must pass the Georgia insurance producer examination
D.The producer must complete Georgia's 20-hour pre-licensing course
Explanation: Under Georgia's reciprocal licensing provisions, a nonresident producer must hold a valid license in their home state and apply for a nonresident license in Georgia. They are generally not required to retake the licensing exam or complete Georgia's pre-licensing education if their home state has reciprocal agreements. They also do not need to establish a physical office in Georgia.
10Under Georgia's CE requirements, how many of the 24 required biennial hours must be in ethics?
A.2 hours
B.3 hours
C.4 hours
D.6 hours
Explanation: Georgia requires that 3 of the 24 biennial continuing education hours be dedicated to ethics training. This ethics component ensures producers maintain current knowledge of ethical standards and regulatory compliance. 2 hours and 4 hours are not the correct Georgia ethics CE requirement, and 6 hours would exceed the mandate.

About the GA Life & Health Exam

The Georgia life, accident, and sickness producer exam combines national life and health concepts with Georgia-specific licensing and ethics requirements. The 2026 Pearson VUE handbook identifies this as exam code 32-15 with a 120-minute seat time.

Questions

120 scored questions

Time Limit

2 hours (120 minutes)

Passing Score

70%

Exam Fee

$63 (Georgia OCI / Pearson VUE)

GA Life & Health Exam Content Outline

25%

GA Regulation & Licensing

OCI role, producer licensing steps, Pearson VUE exam structure, renewal and CE compliance

25%

GA Life Insurance Laws

Policy provisions, replacement, annuity suitability, beneficiary and nonforfeiture rules

25%

GA Health Insurance Laws

Medical expense and disability policy rules, Medicare supplement, and long-term care basics

25%

GA Ethics & Producer Conduct

Unfair trade practices, claim settlement conduct, fiduciary duties, and guaranty-association compliance

How to Pass the GA Life & Health Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 120 questions
  • Time limit: 2 hours (120 minutes)
  • Exam fee: $63

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

GA Life & Health Study Tips from Top Performers

1Anchor your prep to Georgia's current Pearson VUE blueprint: 110 scored + 10 pretest in 120 minutes
2Spend extra time on policy provisions, replacement rules, and annuity suitability scenarios
3Drill health and disability policy distinctions, especially elimination periods and benefit triggers
4Practice ethics-heavy questions on rebating, twisting, and claim-settlement conduct
5Track weak areas by domain and retest those topics before full mixed sets

Frequently Asked Questions

How many questions are on Georgia's Life, Accident & Sickness exam in 2026?

Georgia Pearson VUE materials list 110 scored questions plus 10 pretest questions for exam code 32-15, for 120 total questions delivered in 120 minutes.

What is the Georgia life and health exam fee and passing score?

The February 2026 Georgia Pearson VUE candidate handbook lists a $63 exam fee and a 70% passing score for the 32-15 exam.

What pre-licensing education does Georgia require for this exam path?

Georgia's producer licensing handbook includes a 20-hour prelicensing course path for the combined Life, Accident and Sickness line. Confirm your exact line and qualification route before scheduling.

What are Georgia's CE requirements after licensing?

Georgia requires 24 CE hours every 2 years, including ethics content, for resident producers to maintain active licenses.