October 19, 2021

How to Get a Life Insurance License in Georgia

Written by: Mary Gerardine

    Getting your Georgia life insurance license is the first step toward becoming a life insurance agent. If you want to market and sell life insurance policies, follow this step-by-step guide for obtaining life insurance licensing in Georgia.

    The Georgia Office of Insurance and Safety Fire Commissioner requires you to complete a six-step process to obtain your life insurance license — from taking the life insurance exam to applying for a license.

    These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

     

     

    How To Get Your Georgia Life Insurance License – Quick Version

    1. Complete a Georgia Insurance Prelicense Course (ExamFX – $189+)
    2. Take the Georgia Life Insurance Licensing Exam (Pearson VUE – $63)
    3. Complete a Citizenship Affidavit
    4. Complete a Georgia Life Insurance License Application (Sircon or the National Insurance Producer Registry (NIPR) – $100 application fee + $20 processing fee)
    5. Get a Fingerprint-Based Background Check (Gemalto – $53)
    6. Watch for Your Application Results

     

     

    Steps To Get a Georgia Life Insurance License

    Obtaining your Georgia life insurance license isn’t difficult. Just follow these six steps to start your journey toward becoming a life insurance agent. Once you earn this license, check out our guide on how to get your Georgia property and casualty (P&C) license as well.

     

     

    Step 1: Complete a Georgia Insurance Prelicense Course

    Before you take the Georgia life insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

    Georgia requires 20 hours of pre-license education for life insurance. A pre-license education course provides very specific industry knowledge that will be tested during the exam. There is very little information on the test that could be considered “common sense.” Prelicense education courses are self-paced and include study materials like practice exams and flashcards.

    Beyond helping you effectively prepare for and pass the life insurance licensing exam on your first try, taking a pre-license education course also will give you a solid understanding of your duties as a life insurance agent.

    Recommended Course

    For Georgia insurance pre-license education courses and exam prep, StateRequirement recommends: ExamFX


    For 10% off, use code examfx@staterequirement.com at checkout! Visit ExamFX

     

    Step 2: Take the Georgia Life Insurance Licensing Exam

    After you complete a prep course and your own independent studying, it’s time to take the Georgia life insurance exam.

    Georgia uses Pearson VUE as its official testing service for delivering licensure exams.

    The Georgia life insurance exam outline contains a total of 80 scored questions that includes five sections: 

    1. Types of Policies 
    2. Policy Riders, Provisions, Options, and Exclusions
    3. Completing the Application, Underwriting, and Delivering the Policy
    4. Taxes, Retirement, and Other Insurance Concepts
    5. State Laws, Rules, and Regulations

    You’ll have 120 minutes to complete the examThe Georgia life insurance exam fee is $63, which you must pay at the time of reservation by credit card, debit card, or voucher. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.

    If you happen to fail the Georgia life insurance exam, you must wait 24 hours before scheduling a time to retake the test. If you receive a failing score on your second attempt, you must wait two weeks before you can take the exam again.

    Tip:

    Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.

     

    Step 3: Complete a Citizenship Affidavit

    The State of Georgia also requires you to submit a notarized Citizenship Affidavit Form (GID-276-EN) to vouch for your U.S. citizenship. You must include your notarized Citizenship Affidavit Form in your license application. Your application can’t be processed for approval without this form and its attachments.

     

    Step 4: Complete a Georgia Life Insurance License Application

    Once you pass the life insurance exam and complete your citizenship affidavit, you can apply for your Georgia life insurance license. The application fee is $100plus a $20 processing fee. You must apply online via Sircon or the NIPR. Attach your completed citizenship affidavit form and a copy of a valid identification document to your online application via Sircon or the NIPR.

    The Georgia Office of Insurance and Safety Fire Commissioner will issue a life insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within 12 months of passing the exam.

    To apply for a life insurance license in Georgia, make sure you comply with the insurance licensing requirements as defined under the Georgia Insurance Code.

    Send any questions or supporting documents to pvgainsurance@pearson.com

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

     

    Step 5: Get a Fingerprint-Based Background Check

    In Georgia, you must apply for an insurance license before registering for and getting a fingerprint-based background check from GemaltoThe fee for fingerprinting services is $53 to cover the cost of comparing your prints against criminal history records. 

    After registering at Gemalto’s website, you’ll receive a registration approval email from the company. You need to take that registration approval message with you to the fingerprinting site for inspection before Gemalto will take your fingerprints. Gemalto will electronically scan your fingerprints, which avoids the need for inked fingerprint cards.

     

    Step 6: Watch for Your Application Results

    After you complete the previous five steps, the Georgia Office of Insurance and Safety Fire Commissioner will review your application and background check. If there’s an issue with your application, a representative will contact you via email. If your application is approved, you’ll receive your license via email through Sircon’s automated system or you can check NIPR’s “Check Your Application or Transaction Status” tool.

    Processing times may vary, but the average turnaround time is 14 business days. You can print your license from either the Sircon or the NIPR website.

     

    Congratulations!

    You’re now ready to get started as a life insurance agent in Georgia.




    Next Steps After Securing Your Georgia Life Insurance License

    Once you complete the above steps and have your Georgia life insurance license, here’s what you should pursue next.

    Get Your FINRA Securities Licenses

    Overview

    Individuals planning to market and sell market-based life insurance products also must obtain the proper securities licenses. As a securities license holder, you can offer securities as part of your services. That’ll make you a credible authority in addressing all of your clients’ financial needs.

    To learn more, check out our Securities Licensing guide.

     

     

    SIE Exam

    To obtain these licenses, you’ll first need to take and pass the Securities Industry Essentials (SIE) exam. Professionals in the securities industry are required to take the SIE and a series of examinations administered by the Financial Industry Regulatory Authority (FINRA)

    The SIE exam ensures every life insurance professional has a basic understanding of securities. While taking the SIE exam isn’t a requirement for all insurance professionals, those who don’t obtain at least one securities license limit their ability to work with clients. With a securities license, you can give your clients the option to invest in securities-related products as part of their life insurance plans.

    Tip:

    To help you start preparing for the SIE exam, check out our full guide on How to Pass the SIE Exam.

    Obtaining a license to sell securities also requires sponsorship from a firm, company, or organization regulated by FINRA. The sponsor will pay the testing fees required for your SIE exams and submit your personal information to FINRA’s Central Registration Depository (CRD). The Series 6 and Series 7 licenses require a FINRA exam sponsorship before you can take the exam. The exam for a Series 63 license doesn’t require any sponsoring entity. 

    Once you get your securities license(s), FINRA will list you as a “registered representative.” By achieving the securities licensee designation, you’ll become a highly sought-after professional and set yourself up for a successful career in the insurance industry.

     

     

    Series 6, 7, and 63 Licenses

    Some of the most common securities licenses for insurance agents include the Series 6, 7, and 63 licenses because they allow licensees to sell almost every type of individual security.

    The Series 6 (Investment Company and Variable Contracts Products Representative) Securities License is the primary license sought by insurance sales professionals and financial advisors, allowing them to sell grouped securities related to insurance products. 

    Series 6 works together with Series 63 because they are the two partner licenses required to sell insurance policies tied to investments. The North American Securities Administrators Association (NASAA) oversees regulation of the Series 63 (Uniform Securities Agent State Law) license.

    The Series 7 license allows you to buy and sell securities (e.g., stocks, bonds, and mutual funds) as part of an investment plan for your clients. To get a Series 7 license, you will first need to register as a new candidate with FINRA and pass the Series 7 exam. The Series 7 exam is commonly known as the General Securities Representative Qualification Exam, but is sometimes referred to as the “Series 7 Top-Off Exam.”

     

     

    Get a Job in the Insurance Field

    Once you earn your license, you can start applying for jobs in the insurance field. With a life insurance license, you can provide advice and recommend insurance products to clients, sell life insurance policies that pay a beneficiary upon an insured person’s death, and sell annuities that pay a set income at retirement.

    Find life insurance job postings on our Insurance Jobs Board.

    When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN).

     

    Fulfill Your Certificate of Authority Requirements

    To conduct insurance business in Georgia, you must obtain a Certificate of Authority (CA) Appointment directly with an insurance company. 

    The CA Appointment will cover “all classes of insurance held in common by the agent and the insurer.” CA Appointments for new licensees are only valid when a permanent license is issued by the Georgia Office of Insurance and Safety Fire Commissioner. 

    Insurance companies renew their CA Appointments annually. CA Appointments also can automatically terminate upon the expiration or cancellation of the license as well as at the written request of the insurer or agent.

     

    Complete Continuing Education and Renew Your License

    In Georgia, you must take 24 hours of continuing education (CE) every two years to maintain your license in good standing. Three of those 24 hours must focus on ethics. 

    If you have a non-resident license with good standing in your home state, you don’t need to take CE courses in Georgia. To find out if you need to take Georgia courses, contact the Pearson VUE CE team:

    Agents: ce@pearson.com or 1-888-274-1212

    Providers: ce_providers@pearson.com or 1-800-475-8304

    In Georgia, you can’t renew your license until you complete your CE hours and pay any outstanding fines. You must also renew and manage your life insurance license every one or two years. To avoid delays in renewing your license, you must complete CE hours at least 90 days before your license expires. The renewal fee is $200 (with variable) for life insurance agents.

    Learn how to renew your license with our Georgia insurance license renewal guide.




    Georgia Office of Insurance and Safety Fire Commissioner Contact Information

    Mailing/Physical Address:

    Georgia Office of Insurance and Safety Fire Commissioner
    2 Martin Luther King Jr. Dr.
    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: Pearson VUE Georgia: (800) 274-8969 

    Email: pvgainsurance@pearson.com 

    Website: https://oci.georgia.gov/ 

    License Search: Georgia Insurance License Lookup




    Georgia Life Insurance License FAQ

    How much does it cost to get a life insurance license in Georgia?

    Obtaining a life insurance license in Georgia requires these fees: 

    • Insurance Prelicense Education Course Fee: $189+ via ExamFx
    • Exam Fee: $63 via Pearson VUE 
    • Application Fee: $100 application fee + $20 processing fee via Sircon or the NIPR
    • Fingerprint-Based Background Check Fee: $53 via Gemalto

     

     

    How long does it take to process a life insurance license application in Georgia?

    This process typically takes 14 business days. You’ll receive an email once the Georgia Office of Insurance and Safety Fire Commissioner reviews your application.

     

     

    Can I get a temporary life insurance agent license in Georgia?

    Yes. Georgia provides a six-month temporary life insurance license. To apply, visit Sircon and select “Apply for a License” from the available options. You must have a sponsoring insurer and agent for this license type. Attach a completed Sponsoring Insurer/Agent Certification Form to your license application. 

    You also must submit a notarized Citizenship Affidavit Form (GID-276-EN) to confirm your U.S. citizenship and complete a fingerprint-based background check.

     

     

    Can I get an emergency life insurance agent license in Georgia?

    No. An emergency license isn’t available for life insurance agents in Georgia.

     

     

    Do I need to get my securities license on top of a life insurance license in Georgia?

    Probably. While you can sell certain basic life insurance products with just a life insurance license, a securities license removes the limits on what you can sell and puts you in a much better career position. As a securities license holder, you can provide your clients with products tied to the securities market as part of their retirement and life insurance plans. But, you’ll need FINRA accreditation to obtain your securities license.

     

     

    What can I sell with a life insurance license in Georgia?

    With a Georgia life insurance license, you can sell life insurance policies that pay a designated beneficiary when the insured person dies. You also can sell annuities that pay a set income at retirement.

     

     

    How much can you make with a life insurance license in Georgia? 

    According to ZipRecruiter, life insurance agents earn an average of $79,730 per year.

     

     

    What are the limitations of a Georgia life insurance license?

    Unless you have multiple licenses to sell various types of insurance products (e.g., the combined life and health insurance license), having a Georgia life insurance license only qualifies you to sell life insurance policies as well as retirement plans and annuities. You can’t sell other types of insurance. A securities license on top of your life insurance license removes that limitation and enables you to offer securities, including stocks and bonds.

     

     

    Can I cancel my life insurance license in Georgia?

    Yes. To cancel your license, complete the License Cancellation Form – State of Georgia. No fee is required.

     

     

    How hard is it to get a life insurance license in Georgia?

    The process is quite simple! Follow the steps above and get started today!




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

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