Georgia Life & Health Exam Overview

Welcome to the Georgia Life & Health Guide

This FREE OpenExamPrep guide prepares you for Georgia's Life, Accident & Sickness (LA&S) producer license, the credential most people mean by "Georgia Life & Health." The exam is administered by Pearson VUE for the Georgia Office of the Commissioner of Insurance and Safety Fire (OCI). Insurance is regulated under Title 33 of the Official Code of Georgia Annotated (O.C.G.A.), supplemented by OCI rules in Chapter 120-2 of the Rules and Regulations of the State of Georgia.

Exam At a Glance

The Two-Section Trap

The single most common surprise is that the LA&S exam is scored as two separate sections. The national portion (insurance principles, life, health, annuities) is roughly 75% of items; the Georgia state portion (Title 33, OCI authority, producer duties) is roughly 25%. You must hit 70% on both. A 90% national score will not rescue a 60% state score — you fail. That is exactly why this Georgia-specific guide matters: candidates routinely over-study national content and under-study state law.

Worked Example: Splitting Your Score

Suppose the 125 scored items split 94 national / 31 state. To pass you need at least 70% of 94 = 66 national correct AND 70% of 31 = 22 state correct. A candidate who answers 80 national and only 20 state correct (100 of 125 = 80% overall) still fails because 20/31 = 65% on state. Budget study time to the weaker, smaller, higher-risk state bucket.

Pre-Licensing Education and Application

Georgia requires OCI-certified pre-licensing education before you sit the exam.

Required Hours (Rule 120-2-3-.08)

Correction note: Some prep sites list 8 or 16 hours — that figure conflates a Limited Subagent shortcut with the full producer requirement. The full LA&S producer course is 40 hours. The course ends in a proctored final you must pass at 70%, and the certificate is valid for 12 months.

Step-by-Step Licensing Path

1. Complete pre-licensing — 40 OCI-certified hours; pass the proctored final.
2. Schedule with Pearson VUE — pay the $63 fee; bring a valid government photo ID matching your registration name.
3. Pass the exam — 135 questions, 120 minutes, 70% on each section; results print immediately at the center.
4. Get fingerprinted — Georgia requires a fingerprint-based background check through the OCI's approved vendor (Fieldprint/GAPS) before licensure.
5. Apply through Sircon/NIPR — submit the application and pay state fees; do this within one year of passing.
6. Receive license — issued on approval; it is a biennial (2-year) license.

Cost Snapshot

Retake Rules

If you fail, the wait scales with attempts: 14 days after the first failure, 14 days after the second, then 60 days after the third and every subsequent failure. You pay the $63 fee again each time. On a partial pass, Georgia generally requires you to retake the full exam, not just the failed section — so do not bank on "keeping" the section you passed.

License Maintenance and Georgia Context

Continuing Education (CE)

Georgia CE runs on a biennial cycle ending the last day of your birth month.

Carryover: excess hours roll to the next period but only up to 50% of the requirement. Surplus ethics hours carry as general credit only — they cannot satisfy next cycle's ethics requirement, and 3 ethics hours must be earned fresh every period.

Common Traps to Memorize

• "24 hours = ethics extra" is wrong — the 3 ethics hours count inside the 24/20, not on top.
• "Pass overall = pass exam" is wrong — both sections need 70%.
• OCI is the regulator; the Commissioner is elected, not appointed, in Georgia.
• A pre-licensing certificate expires after 12 months — schedule promptly.

Georgia Market Context

Georgia is a large, fast-growing insurance market with Atlanta as a regional hub. The state's elected Commissioner of Insurance and Safety Fire heads the OCI, which licenses producers, approves rates and forms, investigates complaints, and enforces Title 33. Key consumer-protection backstops you will study include the Georgia Life and Health Insurance Guaranty Association, replacement and free-look rules, and unfair-trade-practice prohibitions.

What This Guide Covers

• Ch. 1 — OCI structure, producer licensing, CE, Title 33 overview
• Ch. 2 — Georgia life insurance regulations and the Guaranty Association
• Ch. 3 — Georgia health insurance rules and the marketplace
• Ch. 4 — Ethics, prohibited practices, and complaint procedures
• Ch. 5 — Annuities, suitability, and best-interest standards
• Ch. 6 — Long-term care and Medicare supplement rules

OCI Contact

With ~0.9 minutes per question, pace yourself: flag hard items, answer everything (no penalty for guessing), and reserve 15 minutes to review flagged state-law questions. Now begin Chapter 1.