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Exam Review

Key Facts: GA Life & Health Exam

125+10

Scored + Pretest Questions

Pearson VUE GA content outline (rev. 09/2026)

150 min

Exam Time

Pearson VUE GA handbook (rev. 10/2026)

$67

Exam Fee

Pearson VUE GA handbook (rev. 10/2026)

70%

Passing Score

Pearson VUE GA handbook (rev. 10/2026)

16 hrs

Prelicense Path (combined L&H)

OCI education providers page and Rule 120-2-3-.08(1) (oci.georgia.gov, checked 2026-10-23)

24 hrs

CE Every 2 Years (licensed under 20 years)

Georgia OCI producer CE guidance

Pearson VUE's Georgia candidate handbook (rev. 10/2026) lists exam 12-GA-05 (Life/Accident/Sickness Agent COMBO) at 2.5 hours, a $67 fee, and a 70% passing score; the Georgia content outline (rev. 09/2026, effective October 22, 2024) lists 125 scored plus 10 pretest questions. Under OCI Rule 120-2-3-.08(1), as amended effective June 24, 2025, prelicensing is 8 hours per major line, so the combined Life and Accident & Sickness path is 16 hours. Georgia CE is 24 hours every 2 years for producers licensed less than 20 years (20 hours after 20 years; 12 with a listed designation), including 3 hours of ethics.

Sample GA Life & Health Practice Questions

Try these sample questions to review concepts for the GA Life & Health exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 625+ 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 (12-GA-05) exam path, what pre-licensing course length is required before testing?
A.16 hours
B.20 hours
C.24 hours
D.40 hours
Explanation: The Georgia Pearson VUE candidate handbook lists an 8-hour Life course and an 8-hour Accident and Sickness course, taken within the last 12 months, for the combined license: 16 hours in total.
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 who has been licensed for less than 20 years, and holds no qualifying professional designation, 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 producers licensed less than 20 years must complete 24 hours of approved continuing education each biennium, including 3 hours of ethics (Pearson VUE Georgia handbook). Producers licensed 20 years or more need 20 hours, and holders of designations such as CLU, CPCU or CIC need 12 hours, each with 3 hours of ethics; 12 hours per year and 30 hours per biennium are not Georgia rules. Pre-licensing education is a separate requirement: 8 hours per major line under Rule 120-2-3-.08.
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 8-hour Life 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. Pearson VUE's Georgia candidate handbook (rev. 10/2026) lists this combined exam as code 12-GA-05 with a 2.5-hour (150-minute) seat time.

Exam sponsor: Georgia OCI / Pearson VUE. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

135 questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

70%

Exam / Certification Fees

$67

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

15 of 125 scored

Life: Types of Policies

Whole life, interest-sensitive and variable products, term life, annuities, and joint and survivorship plans

15 of 125 scored

Life: Policy Riders, Provisions, Options, and Exclusions

Riders, standard provisions such as free look, grace period, beneficiaries, nonforfeiture, dividends and settlement options, and exclusions

12 of 125 scored

Life: Completing the Application, Underwriting, and Delivering the Policy

Application, replacement, point-of-sale disclosures, underwriting and FCRA, STOLI, policy delivery, and contract law

8 of 125 scored

Life: Retirement and Other Insurance Concepts

Third-party ownership, life settlements, group life, retirement plans, needs analysis, Social Security, and tax treatment including MECs

16 of 125 scored

Accident & Sickness: Types of Policies

Disability income, AD&D, medical expense plans (HMO, PPO, POS, FSA, HDHP/HSA, HRA), Medicare supplement, group and COBRA, LTC, and other policies

15 of 125 scored

Accident & Sickness: Policy Provisions, Clauses, and Riders

Mandatory and optional provisions, other clauses such as elimination period and copayments, riders, and renewability

6 of 125 scored

Social Insurance

Medicare Parts A-D, Medicaid, and Social Security benefits

5 of 125 scored

Accident & Sickness: Other Insurance Concepts

Disability definitions, owner and beneficiary rights, coordination of benefits, tax treatment, managed care, workers compensation, and subrogation

8 of 125 scored

Accident & Sickness: Field Underwriting Procedures

Application, MIB and FCRA disclosures, premium receipts, delivery, replacement, and contract law

19 of 125 scored

Georgia Laws, Rules, and Regulations Pertinent to Life, Accident & Sickness Insurance

Commissioner powers, insurer definitions, agent and counselor licensing, unfair trade practices, premium handling, and the Georgia Life and Health Insurance Guaranty Association

3 of 125 scored

Georgia Rules and Codes Pertinent to Life Insurance Only

Replacement (Reg. 120-2-24), advertising and solicitation, and insurable interest

3 of 125 scored

Georgia Rules and Codes Pertinent to Accident & Sickness Insurance Only

Individual and group accident and sickness rules, Medicare supplement, long-term care, and LTC Partnership requirements

Preparing for the GA Life & Health Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 135 questions
  • Time limit: 2 hours 30 minutes (150 minutes)
  • Exam / certification fees: $67 Official sources

Using Our Practice Resources

  • Work through all 625 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

GA Life & Health: Suggested Study Strategy

1Anchor your prep to Georgia's current Pearson VUE blueprint: 125 scored + 10 pretest in 150 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 125 scored questions plus 10 pretest questions for exam code 12-GA-05, for 135 total questions delivered in 150 minutes.

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

Pearson VUE's Georgia candidate handbook (rev. 10/2026) lists a $67 exam fee and a 70% passing score for the 12-GA-05 combined exam.

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

Georgia requires 8 hours of pre-licensing education per major line under OCI Rule 120-2-3-.08(1), so the combined Life, Accident and Sickness path is 16 hours. Confirm your exact line and qualification route before scheduling.

What are Georgia's CE requirements after licensing?

Resident producers licensed less than 20 years need 24 CE hours every 2 years; producers licensed 20 years or more need 20 hours, and holders of designations such as CLU, CPCU or CIC need 12. Each total includes 3 hours of ethics (Pearson VUE Georgia handbook).