Georgia Life, Accident & Health Insurance License Practice Exam
125 practice questions covering national life & health concepts and Georgia-specific insurance statutes.
Georgia L, A&H — Study by Topic
Drill individual domains or take the full 125-question practice exam.
Life Insurance
Term, whole life, universal, variable life, policy provisions, nonforfeiture options, beneficiaries, riders.
Accident & Health
Individual and group health, HMO, PPO, COBRA, disability income, long-term care, Medicare supplement.
Annuities & Retirement
Fixed, variable, indexed annuities; suitability; qualified plans; Social Security; Medicare Parts A–D.
Georgia State Law
Commissioner authority, O.C.G.A. Title 33, producer licensing, unfair practices, guaranty association.
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Full GA L, A&H Exam
National and Georgia-specific questions mixed to match the real Pearson VUE exam structure.
About the Georgia Life & Health Insurance Exam
The Georgia Life and Accident and Sickness exams are administered by Pearson VUE; agent licensing is handled by the Georgia Office of Commissioner of Insurance (OCI). Life and Accident and Sickness are separate lines of authority with separate exams (80 scored questions each, 2 hours), and Pearson VUE also offers a combined Life/Accident/Sickness exam of 125 scored questions in 2.5 hours. Each exam also carries 10 unscored pretest items, and the passing score on every exam is 70%.
Georgia sets a minimum of 8 hours of prelicensing instruction per major line of authority (Ga. Comp. R. & Regs. 120-2-3-.08). New applicants submit electronic fingerprints for a criminal background check through the state's vendor, pay the $67 exam fee to Pearson VUE at reservation, and pay a $120 application fee through Sircon. Georgia agent licenses renew every two years, by the last day of your birth month.
Georgia Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| I. Life: Types of Policies | 15 | Whole life, interest-sensitive and variable products, term, annuities, combination plans |
| II. Life: Riders, Provisions, Options and Exclusions | 15 | Riders, policy provisions from entire contract to accelerated death benefits, nonforfeiture, settlement options, exclusions |
| III. Life: Application, Underwriting and Delivery | 12 | Application, replacement, point-of-sale disclosures, USA PATRIOT Act, GLBA, FCRA, insurable interest, STOLI/IOLI, delivery, contract law |
| IV. Life: Retirement and Other Concepts | 8 | Third-party ownership, life settlements, group life, qualified and nonqualified plans, needs analysis, Social Security, taxation including MECs |
| V. A&S: Types of Policies | 16 | Disability income, AD&D, medical expense (HMO, PPO, HDHP/HSA), Medicare supplement, group and COBRA, long-term care, other coverages |
| VI. A&S: Policy Provisions, Clauses and Riders | 15 | Mandatory and optional provisions, probationary and elimination periods, preexisting conditions, coinsurance, renewability |
| VII. Social Insurance | 6 | Medicare Parts A to D, Medicaid, Social Security |
| VIII. A&S: Other Insurance Concepts | 5 | Types of disability, owner's rights, coordination of benefits, managed care, workers' compensation, subrogation, taxation |
| IX. A&S: Field Underwriting Procedures | 8 | Application, MIB and FCRA, HIPAA privacy, receipts, delivery, replacement, contract law |
| GA — X. Georgia Laws, Rules and Regulations, Life and A&S | 19 | Insurance Department and Commissioner (O.C.G.A. § 33-2), licensing (§ 33-23; Reg. 120-2-3), unfair trade practices, premium fiduciary duties (§ 33-23-35), Georgia Life and Health Insurance Guaranty Association (§ 33-38) |
| GA — XI. Georgia Rules and Codes, Life Only | 3 | Replacement (Reg. 120-2-24; § 33-24-6.1), life advertising and solicitation (Reg. 120-2-11 and 120-2-31), insurable interest (§ 33-24-6) |
| GA — XII. Georgia Rules and Codes, A&S Only | 3 | Individual and group A&S (§§ 33-29 and 33-30), Medicare supplement (§ 33-43; Reg. 120-2-8), long-term care and LTC Partnership (§ 33-42; Reg. 120-2-16) |
Counts are from the Pearson VUE Georgia content outline effective October 22, 2024 for the combined Life, Accident and Sickness exam (125 scored plus 10 unscored pretest). The Life-only exam has 80 scored questions (24 on Georgia laws and rules plus 6 on Life-only rules), and the Accident and Sickness-only exam has 80 (24 plus 6 on A&S-only rules).
What Makes the Georgia Life & Health Exam Different
Separate lines, separate exams. Georgia licenses Life and Accident and Sickness as separate lines of authority. You can test for either line alone (80 scored questions, 2 hours) or take the combined Life/Accident/Sickness exam (125 scored questions, 2.5 hours). There is no cap on attempts at the same exam, but a waiting period applies between attempts.
Insured's consent and insurable interest. An individual life or accident and sickness contract cannot be made without the insured's consent at the time of the contract, given by applying for the policy or consenting in writing, subject to listed exceptions for spouses, minors and certain employer-owned coverage (O.C.G.A. § 33-24-6).
Premiums are fiduciary funds. Premiums and return premiums an agent holds are held in a fiduciary capacity and may not be commingled with the agent's personal funds. They must be promptly accounted for and paid over to the party entitled to them (O.C.G.A. § 33-23-35).
Replacement and guaranty protection. The Pearson VUE outline tests Georgia's replacement rules (Reg. 120-2-24 and O.C.G.A. § 33-24-6.1) and the Georgia Life and Health Insurance Guaranty Association (O.C.G.A. §§ 33-38-1 to 10).
A&S-specific statutes. The outline lists individual and group accident and sickness (O.C.G.A. §§ 33-29 and 33-30), Medicare supplement (§ 33-43 and Reg. 120-2-8), and long-term care, including the LTC Partnership (§ 33-42 and Reg. 120-2-16).
Annuity Best Interest course. Agents licensed after August 1, 2023 who sell annuities must complete a one-time, 4-hour Annuity Best Interest course, per the OCI continuing education page.
Sample Georgia Life & Health Insurance Exam Questions
1. A Georgia insurer receives an application for an individual life policy on a competent adult. The applicant is a business associate of the proposed insured, not the insured's spouse, and no employer-ownership exception applies. What does Georgia law require for the contract to be made?
2. A Georgia agent receives a premium payment from a policyholder on behalf of an insurer. Under O.C.G.A. § 33-23-35, how must the agent treat the money?
3. A Georgia resident agent with fewer than 20 years of service has completed 24 hours of continuing education for the biennial renewal, but none of the courses was an ethics course. What must the agent do?
Study Tips for the Georgia Life & Health Exam
Georgia content is 25 of the 125 scored questions on the combined exam (19 on Georgia laws common to all lines, 3 on Life-only rules and 3 on A&S-only rules), so national product knowledge carries most of your score. Types of policies and policy provisions alone account for 61 of the 125 questions, split between Life (15 + 15) and A&S (16 + 15).
A 70% score means roughly 88 of the 125 scored questions on the combined exam. Pretest questions are mixed in and not identified, so treat every question as scored. If you do not pass, the Pearson VUE handbook lists a 14-day wait after the first and second attempts and a 60-day wait after the third and later attempts.
Studying for the other Georgia line? Try the Georgia Property & Casualty practice exam.
How to Get Your Georgia Life & Health Insurance License
There are four steps to get your Georgia agent license in the Life and Accident and Sickness lines.
Steps to Get Your Georgia Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Prelicensing Education | Complete an approved prelicensing course for each line. Georgia's rule sets a minimum of 8 hours per major line, and OCI notes a combined Life, Accident and Sickness course is also offered. You must also be able to show your identity with two forms of acceptable ID on exam day. |
| 2. Licensing Exam | Reserve your exam with Pearson VUE (the $67 fee is paid at reservation). The Life and Accident and Sickness exams are 2 hours each and the combined exam is 2.5 hours. The passing score is 70%. |
| 3. Application, Fingerprints & Citizenship | Apply through Sircon on the OCI agent licensing page ($120 application fee). Register for electronic fingerprinting with the state's approved vendor, and upload a notarized Citizenship Affidavit with a copy of your ID. |
| 4. Renew and Keep Current | Renew every two years by the last day of your birth month, with 24 hours of continuing education including 3 ethics hours. If you sell annuities, complete the one-time 4-hour Annuity Best Interest course. |
Georgia Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Life; Accident and Sickness (separate lines; a combined course and a combined exam are offered) |
| Pre-license education | 8 hours minimum per major line (Ga. Comp. R. & Regs. 120-2-3-.08) |
| Exams | Life: 80 scored; Accident and Sickness: 80 scored; combined Life/A&S: 125 scored (each plus 10 unscored pretest) |
| Time limit | 2 hours (Life or A&S alone); 2.5 hours (combined) |
| Passing score | 70% on each exam |
| Exam fee | $67, paid to Pearson VUE at reservation |
| Application fee | $120 (Life and Accident and Sickness) |
| Fingerprints | Electronic fingerprints through the state's approved vendor |
| Citizenship | Notarized Citizenship Affidavit and ID copy uploaded with the application |
| License term | Two years, renewed by the last day of your birth month |
| Continuing education | 24 hours per renewal including 3 ethics hours; one-time 4-hour Annuity Best Interest course if you sell annuities |
| Exam provider | Pearson VUE |
| Licensing authority | Georgia Office of Commissioner of Insurance |
Verified against the OCI agent licensing and continuing education pages, the Pearson VUE Georgia candidate handbook and content outlines, and Georgia statutes and rules. The $67 exam fee comes from the Pearson VUE handbook, so confirm current fees with OCI and Pearson VUE before you apply.
Our free Georgia Life & Health practice exam covers national life and accident and sickness content plus Georgia law. You can also try the Georgia Property & Casualty practice exam.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Georgia Life & Health Insurance Exam
How many questions are on the Georgia Life and Accident and Sickness exam?
The combined Life/Accident/Sickness exam has 125 scored questions plus 10 unscored pretest questions, in 2.5 hours. The Life-only and Accident and Sickness-only exams each have 80 scored questions plus 10 pretest questions, in 2 hours.
What is the passing score for the Georgia insurance exam?
The passing score is 70%, set by the Georgia Insurance Department, on every Georgia agent exam (Rule 120-2-3-.09).
Who administers the Georgia insurance exam?
Pearson VUE administers the exam. OCI handles licensing, and you apply through Sircon after passing.
How many prelicensing hours does Georgia require?
Georgia's rule sets a minimum of 8 hours of instruction per major line of authority (Ga. Comp. R. & Regs. 120-2-3-.08), and OCI notes that a combined Life, Accident and Sickness course is also offered.
How much does the Georgia insurance exam and license cost?
The Pearson VUE handbook lists a $67 exam fee, and OCI lists a $120 application fee for the Life and Accident and Sickness lines. Fingerprinting is paid separately to the state's vendor.
How often does a Georgia agent license renew, and how much CE is required?
Agent licenses renew every two years by the last day of your birth month. Resident agents with under 20 years of service need 24 hours of CE, including 3 ethics hours, each renewal period.
How long must I wait to retake the Georgia insurance exam?
The Pearson VUE handbook lists a 14-day wait after your first and second attempts and a 60-day wait after your third and later attempts. There is no limit on the number of attempts.