How To Become An Insurance Agent In Georgia

Written by: Ethan Peyton

    Getting your Georgia insurance license is the first step to becoming an insurance agent in Georgia. Whether you’re interested in selling property and casualty insurance, life insurance, health insurance, or any combination of those lines of authority, this article has the information you need to get started.

    The Georgia Department of Insurance has a 7-step process to getting your insurance license. We’ll walk you through step-by-step; from the license application to insurance test prep, to the Georgia insurance exam, and beyond.

    This guide has everything you need to know to get your Georgia insurance license quickly and easily.

     

    How To Get Your Georgia Insurance License

    Getting your insurance license in Georgia is easy! Just follow our step-by-step guide. Be sure to bookmark this page so that you can visit it again throughout this process.

     Step 1. Which Insurance Licenses Do You Need?

     

    The first step to getting your insurance license is choosing which licenses you need. The most common licenses new insurance agents get are the property & casualty license (P&C)life and health insurance license (L&H).

    The types of insurance products and policies you’ll be selling will determine which licenses you need. Here are some examples of the types of policies you can market with each license:

     

    Most insurance agents and producers choose to get both P&C and L&H licenses, but if you plan on specializing in only one category then you don’t need every license.

    Insurance adjusters require a separate license. You can find more information on becoming an insurance adjuster here: Georgia Insurance Adjuster License

    Note:

    If you plan on specializing as a life insurance agent, then you may also need to hold a certain FINRA securities license.

     Step 2. Georgia Insurance Pre-License Education

     

    After you’ve determined which licenses you need, you must now take your Georgia insurance pre-license education courses.

    Most folks choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. The types of licenses you choose (also known as “lines of authority”) will determine which courses you take.

    Each line of authority in Georgia requires twenty (20) hours of pre-license education. This means that if you wish to get a Property and Casualty license, you must take forty (40) hours of pre-licensing, and for Life, Accident, and Health you must also take forty (40) hours.

    You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.

    Recommended Course

    For required insurance pre-license courses and exam prep, StateRequirement recommends: Kaplan Education Company

     Step 3. Georgia Insurance License Exam

     

    The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. Life, Accident, & Sickness (LA&S) and Property & Casualty (P&C) lines are combined lines in Georgia, so you will take two exams if you wish to attain all of these lines of authority: Property, Casualty, Life, Accident.

    This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

    The fee for each attempt of the exams is $63 (one exam per combined lines of authority). When you show up you must have two forms of ID, including a photo ID, and any other documents that the testing facility has asked you to bring.

    The Georgia Life, Accident, and Sickness test is 80 questions long, and you have two (2) hours to complete it. Here is a copy of the Georgia Life, Accident, and Sickness Exam Outline.

    The Georgia Property and Casualty test is 80 questions long, and you have two (2) hours to complete it. Here is a copy of the Georgia Property and Casualty Exam Outline.

    A passing score for the either Georgia Insurance License Exam is 70%. For more information on the exams, refer to the Pearson Vue Georgia Insurance Licensing Candidate Handbook.

    Note:

    Failing the exam will trigger a two (2) week waiting period in which you cannot retake the test. If the exam is failed three (3) times, you will be required to retake your pre-license education through a different provider before you can attempt the test again.

    Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.

    Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

    Tip:

    StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

    Check out our review of the Kaplan Insurance Course.

    You may register to take your exams and find more information on the Pearson Vue Georgia Insurance web page. When you have passed your exams, you will receive a document showing your success. Keep this document, as you will need it in a later step.

     Step 4. Fingerprinting And Background Check

     

    The State of Georgia requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the Georgia Department of Insurance at (404) 656-2101 or email the Insurance Department.

    The fee for fingerprinting services is $53.

    Schedule your fingerprinting appointment with Cogent/3M. When you are finished with the fingerprinting appointment, you will receive a fingerprint card. Do not lose your fingerprint card, as you will need it in a later step.

     Step 5. Citizenship Affidavit

     

    The next step in getting your insurance license is filling out a citizenship affidavit. This affidavit can be found on this Georgia Insurance Department.

    Once you fill out this form, save it as a PDF and save it for the next step.

     Step 6. Georgia Insurance License Application

     

    Once you have completed your exams and fingerprinting, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.

    The fee for an online application is $120 per line.

    Gather your Pearson Vue passed exam document, fingerprint card, and citizenship affidavit. During the application process, there will be a place for you to upload documents. Include these documents with your application.

    Fill out and submit your online application and other documents on the Sircon Georgia web page.

     Step 7. Application Review

     

    Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

    If everything is to acceptable standards your license should be issued within 14 business days. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, you will need to contact the state so they can provide context to the issues that they have run into.

    Once the review has been completed, you should receive an email from the insurance department regarding the status of your license. These emails have been known to not be received, so you should contact the Georgia Insurance Department at (404) 656-2101 or email them.

     

    Congratulations!

    You’ve done the work, put in the time and effort, and now hold the key to your own success!  We’re proud of you. Take five (5) minutes and celebrate.




    After Getting Your Georgia Insurance License

    Once you’ve passed your exams and completed the licensing application, you are now a licensed insurance agent in Georgia. A common question we hear is, “I have my insurance license, now what?” Here are a few things you can do or need to know:




    Georgia Department Of Insurance Contact Information

    Mailing Address:

    PSI Services LLC
    P.O. Box 742983
    Atlanta, Georgia 30348

    Phone: (404) 656-2101

    Fax: (404) 657-8542

    Email: [email protected]

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

    License Search: Georgia Insurance License Search and Lookup

     

    Georgia Insurance License FAQ

    How long is the insurance license period in Georgia?

    Two years. Learn more here: Georgia Insurance License Renewal

     

    How long does it take to get an insurance license in Georgia?

    2-8 weeks. The bulk of the time is spent studying for your Georgia insurance exam. Some people study for as little as one week and feel comfortable taking the exam. We recommend you take whatever amount of time you need to feel comfortable with the material. Check out our guide: How to Pass the Insurance Exam

     

    How much does the Georgia insurance license cost?

    The total cost for your insurance course, application, and exam will be about $375. If you don’t pass the exam the first time, add $63 for each subsequent attempt.

     

    How do I get a life insurance license in Georgia?

    Follow the steps above. The licensing process is the same for all insurance agent and producer licenses.

     

    How do I get a property and casualty license in Georgia?

    Follow the steps above. The licensing process is the same for all insurance agent and producer licenses.




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    Information on this page has been gathered by a multitude of sources and was most recently updated in April 2021.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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