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

How the Score Works

The Pearson VUE Georgia handbook reports the examination score as a percent score on a scale of 0% to 100%: the percentage of questions answered correctly. You need to answer 70% of the questions correctly to pass, and the score report is marked pass or fail.

Worked Example

With 125 scored items, 70% means at least 88 correct (0.70 x 125 = 87.5, rounded up). The 10 pretest items are not scored, but you cannot tell which they are, so answer every question carefully. Study the Georgia-specific outline as carefully as the national content.

Pre-Licensing Education and Application

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

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

Note: The Pearson VUE Georgia handbook lists the courses as taken within the last 12 months.

Step-by-Step Licensing Path

1. Complete pre-licensing — the 8-hour Life and 8-hour Accident and Sickness courses (16 hours).
2. Schedule with Pearson VUE — pay the $67 fee; bring a valid government photo ID matching your registration name.
3. Pass the exam — 135 questions, 150 minutes, 70% of questions correct; you receive a pass or fail score report.
4. Apply through Sircon — submit the resident application at www.sircon.com/georgia and pay state fees; do this within one year of passing. NIPR does not take Georgia resident applications.
5. Get fingerprinted — after the Sircon application, register with IdentoGO (ga.state.identogo.com/ata) for the fingerprint-based background check required before licensure.
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 $67 fee again each time.

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.
• 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

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 about 1.1 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.