Georgia Insurance License Exam

Written by: Ethan Peyton

Cartoon woman holding Georgia Insurance License Exam document

    Passing your Georgia insurance license exam is a pivotal part of becoming a licensed insurance agent in the state of Georgia.

    In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for your Georgia insurance licensing exam, and on what to do after you pass.

     

    Georgia Insurance Exam Basics

    General Information

    The state of Georgia uses Pearson VUE to administer its insurance agent licensing. This means you can register and book all of your licensing examinations through the Pearson VUE website. Your test can be carried out online or in person.

    Each major insurance line examination includes both general and state-specific material.

    The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the Georgia insurance regulations and laws that you will need to know in order to operate as an insurance agent.

    Note: You are only allowed two online attempts per examAll other exam attempts (limitless) will have to be taken in person at a Pearson VUE testing center.

    Score Explanation

    Insurance licensing exams are not scored in the most obvious manner.

    Each licensing examination has multiple versions (known as forms), which are made up of different questions. This means that your exam can be easier or more difficult than someone else’s, even if you’re being tested on the same line, on the same day.

    A statistical procedure known as equating is used to ensure that any differences in form difficulty are accounted for so that no one faces an unfair advantage or disadvantage.

    Example:

    Imagine that you have two forms of a Life, Accident & Health exam.

    On Form X, the Georgia Office of Commissioner of Insurance and Safety Fire (OCI) determines that correctly answering 30 questions demonstrates that you have the minimum knowledge necessary to pass your exam and become a licensed agent.

    On Form Y, however, the same level of understanding is demonstrated by answering 25 questions correctly. In this scenario, you would need 30 correct answers to pass on Form X, whereas you would need 25 correct answers to pass on Form Y.

     

    Cost

    Your Georgia insurance license exam cost will depend on the number of examinations that you take:

    Examination

    Cost 

    Time Allowed

    Life Agent

    $63

    120 Minutes

    Accident/Sickness Agent

    $63

    120 Minutes

    Property Agent

    $63

    120 Minutes

    Casualty Agent

    $63

    120 Minutes

    Life/Accident/Sickness Agent COMBO

    $63

    150 Minutes

    Property & Casualty Agent COMBO

    $63

    150 Minutes

    Note: You should focus on one exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.

    Recommended Pre-License Course

    Before taking your insurance exam, we recommend completing a pre-license education course. This is a requirement in the state of Georgia, but it can go a long way in helping you get accustomed to the information that you will need to know.
    4.7 out of 5 starsKaplan Education Company

     

    Georgia Life and Health Insurance Exam

    Below you can find the content outline offered by Pearson VUE.

    We recommend using it as a checklist when working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.

    Georgia Life Agent Content Outline

    80 scorable questions, plus 10 pretest questions.

    I. Types of Policies

    A. Traditional whole life products
    B. Interest/market-sensitive/adjustable life products
    C. Term life
    D. Annuities
    E. Combination plans and variations

     

    II. Policy Riders, Provisions, Options, and Exclusions

    A. Policy riders
    B. Policy provisions and options
    C. Policy exclusions

     

    III. Completing the Application, Underwriting, and Delivering the Policy

    A. Completing the application
    B. Underwriting
    C. Delivering the policy
    D. Contract law

     

    IV. Retirement, and Other Insurance Concepts

    A. Third-party ownership
    B. Life settlements
    C. Group life insurance
    D. Retirement plans
    E. Life insurance needs analysis/suitability
    F. Social Security benefits
    G. Tax treatment of insurance premiums, proceeds, and dividends

     

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

    A. Insurance Department and Commissioner
    B. General insurance definitions
    C. Licensing of agents & counselors
    D. Unfair trade practices
    E. Reporting and Disposition of Premiums
    F. Georgia Life and Health Insurance Guaranty Association

     

    VI. Georgia Rules and Codes Pertinent to Life Insurance Only

    A. Replacement of Life insurance
    B. Life insurance advertisements and solicitation
    C. Insurable Interest

     

    Georgia Accident and Sickness Agent Content Outline

    80 scorable questions, plus 10 pretest questions.

    I. Types of Polices

    A. Disability income
    B. Accidental death and dismemberment
    C. Medical expense insurance
    D. Medicare supplement policies
    E. Group insurance
    F. Individual/Group Long Term Care (LTC)
    G. Other policies

     

    II. Policy Provisions, Clauses, and Riders

    A. Mandatory and optional provisions
    B. Other provisions and clauses
    C. Riders
    D. Rights of renewability

     

    III. Social Insurance

    A. Medicare (Parts A, B, C, D)
    B. Medicaid
    C. Social Security benefits

     

    IV. Other Insurance Concepts

    A. Total, partial, recurrent, and residual disability
    B. Owner’s rights
    C. Dependent children benefits
    D. Primary and contingent beneficiaries
    E. Modes of premium payments
    F. Nonduplication and coordination of benefits
    G. Occupational vs. non-occupational
    H. Tax treatment of premiums and proceeds of insurance contracts
    I. Managed care
    J. Workers Compensation
    K. Subrogation

     

    V. Field Underwriting Procedures

    A. Completing the application
    B. Explaining sources of insurability and HIPAA privacy info
    C. Initial premium payment and receipt
    D. Submitting application to company for underwriting
    E. Policy delivery
    F. Explaining policy to clients
    G. Replacement
    H. Contract law

     

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

    A. Insurance Department and Commissioner
    B. General insurance definitions
    C. Licensing of agents & counselors
    D. Unfair trade practices
    E. Reporting and Disposition of Premiums
    F. Georgia Life and Health Insurance Guaranty Association

     

    VII. Georgia Rules and Codes Pertinent to Accident and Sickness Insurance Only

    A. Individual and Group Accident and Sickness Insurance
    B. Medicare Supplement
    C. Long Term Care
    D. Long Term Care Partnership requirements

    We recommend reading our in-depth How to Pass the Life Insurance Exam guide for a better overview.

     

    Georgia Property and Casualty License Exam

    Below you can find the content outline offered by Pearson VUE.

    You should use this outline as a checklist when working through your pre-license education course in order to ensure that you haven’t missed any topic that you will be tested on later on.

    Georgia Property Agent Content Outline

    80 scorable answers plus 10 pretest questions.

    I. Types of Policies

    A. Homeowners
    B. Dwelling policies
    C. Commercial lines
    D. Inland marine
    E. National Flood Insurance Program
    F. Others

     

    II. Insurance Terms and Related Concepts

    A. Insurance
    B. Insurable interest
    C. Risk
    D. Hazard
    E. Peril
    F. Loss
    G. Loss Valuation
    H. Proximate cause
    I. Deductible
    J. Indemnity
    K. Limits of liability
    L. Coinsurance/Insurance to value
    M. Occurrence
    N. Cancellation
    O. Nonrenewal
    P. Vacancy and Inoccupancy
    Q. Liability
    R. Negligence
    S. Binder
    T. Endorsements
    U. Blanket vs. Specific

     

    III. Policy Provisions and Contract Law

    A. Declarations
    B. Insuring agreement
    C. Conditions
    D. Exclusions
    E. Definition of the insured
    F. Duties of the insured
    G. Obligations of the insurance company
    H. Mortgagee rights
    I. Proof of loss
    J. Notice of claim
    K. Appraisal
    L. Other Insurance Provision
    M. Subrogation
    N. Elements of a contract
    O. Warranties, representations, and concealment
    P. Sources of underwriting information
    Q. Fair Credit Reporting Act
    R. Privacy Protection (Gramm Leach Bliley)
    S. Policy Application
    T. Terrorism Risk Insurance Act (TRIA)
    U. Territory

     

    IV. Georgia State Laws, Rules, and Regulations Pertinent to All Insurance Lines

    A. Insurance Department and Commissioner
    B. General insurance definitions
    C. Licensing of agents, counselors, subagents, and adjusters
    D. Unfair trade practices

     

    V. Georgia Rules and Codes Pertinent to Property & Casualty Insurance

    A. Cancellation and nonrenewal of policies
    B. Regulation of Rates
    C. Binders
    D. Georgia Insurer Solvency Pool

     

    VI. Georgia Rules and Codes Pertinent to Property Insurance Only

    A. FAIR plan

     

    Georgia Casualty Agent Content Outline

    80 scorable questions, plus 10 pretest questions.

    I. Types of Policies, Bonds, and Related Terms

    A. Commercial general liability
    B. Automobile: personal auto and business auto
    C. Workers Compensation Insurance, Employers Liability Insurance and Related Issues
    D. Crime
    E. Bonds
    F. Professional liability
    G. Umbrella/Excess Liability
    H. Business owners Policy (BOP)

     

    II. Insurance Terms and Related Concepts

    A. Risk
    B. Hazards
    C. Indemnity
    D. Insurable interest
    E. Loss valuation
    F. Negligence
    G. Liability
    H. Occurrence
    I. Binders
    J. Warranties
    K. Representations
    L. Concealment
    M. Deposit Premium/Audit
    N. Certificate of Insurance
    O. Law of Large Numbers
    P. Pure vs. Speculative Risk
    Q. Endorsements
    R. Damages
    S. Compliance with provisions of Fair Credit Reporting Act

     

    III. Policy Provisions

    A. Declarations
    B. Insuring agreement
    C. Conditions
    D. Exclusions and Limitations
    E. Definition of the insured
    F. Duties of the insured after a loss
    G. Cancellation and nonrenewal provisions
    H. Supplementary payments
    I. Proof of loss
    J. Notice of claim
    K. Arbitration
    L. Subrogation
    M. Loss settlement provisions including consent to settle a loss
    N. Terrorism Risk Insurance Act (TRIA)

     

    IV. Georgia State Laws, Rules, and Regulations Pertinent to All Insurance Lines

    A. Insurance Department and Commissioner
    B. General insurance definitions
    C. Licensing of agents, counselors, subagents, and adjusters
    D. Unfair trade practices

     

    V. Georgia Rules and Codes Pertinent to Property & Casualty Insurance

    A. Cancellation and nonrenewal of policies
    B. Regulation of Rates
    C. Binders
    D. Georgia Insurer Solvency Pool 

    VI. Georgia Rules and Codes Pertinent to Casualty Insurance Only

    A. Auto
    B. Workers Compensation Law

    We recommend reading our Property and Casualty Insurance exam article for a more in-depth overview.

     

    How to Pass the Georgia Insurance Exam

    Passing your Georgia insurance exam ultimately comes down to your mindset and degree of preparation.

    We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.

    Get a Pre-License Course

    Getting a pre-license course can go a long way in helping you get accustomed to the prolific amount of content that you will have to memorize. This is also a legal requirement in the state of Georgia.

    We recommend Kaplan’s course because it offers a variety of helpful features, including: 

    • Online exam simulations
    • Live online training
    • Printable study guides 
    • End of chapter reviews

    For more information, we recommend reading our Kaplan Insurance Course Review.

     

    Make Enough Time to Study

    Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.

    Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.

    We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the material at least twice.

     

    Control Test Anxiety

    Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:

    • Establish a consistent pretest routine — Acclimate yourself to exam conditions by following a specific routine on each practice exam at home. This should help you feel less anxious during your exam day.
    • Get plenty of sleep — Lack of sleep can exacerbate your anxiety and increase your self-doubt. Make sure you are consistently getting a good night’s sleep in the week leading up to your exam.
    • Study effectively — This sounds obvious, but make sure you are actually tailoring your studying to the exam that you are taking. Remember, there are no critical thinking or common sense questions involved.
    • Arrive early — If you are planning to sit your exam in person, we recommend you arrive at least 30 minutes before it’s due to start in order to get used to your surroundings and have time to check in with your center’s administrator.

    For a more in-depth overview of how you can prepare for your Georgia insurance exam, we recommend reading our How to Pass the Insurance Exam article.

     

    Getting Your Georgia Insurance License

    Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.

    You can apply for your license up to 12 months after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application with the OCI, you are totally free to do that.

    After you have passed your insurance licensing exam, you will need to:

    • Complete a fingerprint and background check
    • File your licensing application
    • Wait for your application to be reviewed

    Have a look at our How to Become an Insurance Agent in Georgia review for more information on all the steps that you will need to take after passing your insurance exam.




    Georgia Insurance Exams FAQ

    How often do I have to renew my license?

    You need to renew your insurance license every two years in order to continue operating legitimately in Georgia. You will need to complete 24 hours of Continuing Education (CE) in order to do this.

    For more information, see our guide on How to Renew Your Insurance License in Georgia.

     

    How long is the Georgia insurance exam?

    This will depend on which exam you are taking. The Life, Accident/Sickness, Casualty, and Property exams all need to be completed within 120 minutes.

    Combined exams (e.g., Life/Accident/Sickness, Property & Casualty, etc.) are slightly longer (150 minutes).

     

    How many times can you take the Georgia insurance exam?

    You can take your Georgia insurance exam as many times as you need, but you may be required to wait a different amount of time between each attempt depending on your situation.

    Candidates that fail are required to wait 14 days before attempting a re-examination for the first two attempts. For attempt number three and onwards, candidates must wait 60 days before each re-examination.

     

    How many questions are on the Georgia insurance exam?

    This will depend on which insurance exam you are taking.

    The Life, Accident and Sickness, Property, and Casualty exams are all made up of 80 questions.

    The combined exams (e.g., Life/Accident/Sickness, etc.) are 125 questions long.

    Georgia Office of Insurance and Safety Fire Commissioner Contact Information

    Mailing Address

    2 Martin Luther King, Jr., Drive
    West Tower, Suite 702
    Atlanta, GA 30334

    Note: In Georgia, Pearson VUE is the primary contact for all inquiries about insurance agents and agency licensing as well as continuing education.

    Phone: (800) 274-8969

    Fax: (404) 657-8542

    Email: pvgainsurance@pearson.com

    Website: https://www.oci.ga.gov/agents/home.aspx

    License Search: Georgia Insurance License Search and Lookup




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    Information on this page has been gathered by a multitude of sources and was most recently updated in October 2022.

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