Key Takeaways
- Georgia requires 8 hours of pre-license education per line (Life or Health); 16 hours for combined Life & Health
- The Georgia Life & Health exam has 150 questions with a 70% passing score required
- Pearson VUE administers Georgia insurance exams at testing centers statewide
- Georgia requires fingerprinting and background checks for all license applicants
- License applications must be submitted within 12 months of passing the exam
Georgia Producer Licensing Requirements
Georgia has specific requirements for obtaining a Life & Health insurance producer license.
Pre-License Education Requirements
Georgia requires pre-license education before taking the licensing exam:
| License Type | Pre-License Hours |
|---|---|
| Life Only | 8 hours |
| Health (Accident & Sickness) Only | 8 hours |
| Life & Health Combined | 16 hours |
Key Points:
- Courses must be completed at approved providers
- Course completion certificate required for exam registration
- Online and classroom options available
- Certificate valid for 12 months
Examination Requirements
The Georgia Life & Health examination:
| Exam Detail | Requirement |
|---|---|
| Total Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 70% (105 correct) |
| Testing Provider | Pearson VUE |
| Exam Fee | Approximately $46 |
| Retake Policy | No mandatory waiting period |
Exam Tip: Georgia requires a 70% passing score, which is the standard for most states.
Exam Content Breakdown
| Content Area | Approximate Weight |
|---|---|
| Life Insurance Concepts | 30% |
| Life Insurance Policies | 25% |
| Health Insurance Concepts | 25% |
| Georgia Laws & Regulations | 20% |
Examination Process
- Complete pre-license education (8 or 16 hours)
- Schedule exam with Pearson VUE online or by phone
- Bring valid ID with photo and signature (driver's license, passport)
- Arrive 30 minutes early to check in
- Receive results immediately after exam
Background Check Requirements
Georgia requires fingerprinting for all insurance license applicants:
Fingerprinting Process
- Provider: Approved fingerprint vendors (IdentoGO or similar)
- Timing: Complete before or after passing exam
- Cost: Approximately $50-60
- Results: Submitted electronically to Georgia Bureau of Investigation
Disqualifying Factors
The Commissioner considers criminal history when evaluating applications:
- Felony convictions
- Crimes involving fraud, dishonesty, or breach of trust
- Recent convictions (time elapsed matters)
- Pattern of criminal behavior
Note: A criminal record does not automatically disqualify an applicant. The Commissioner considers the nature of the offense, time elapsed, and evidence of rehabilitation.
License Application
After passing the exam:
- Submit application through the Georgia Agent Licensing portal
- Pay license fee ($15 per line)
- Submit fingerprints if not already completed
- Await background check results
- Receive license (typically 2-4 weeks after approval)
Application Timeline
- Must submit within 12 months of passing exam
- If you wait longer, you must retake the exam
- Application fee is non-refundable
License Types and Authority
| License Type | What You Can Sell |
|---|---|
| Life | Life insurance, annuities, variable products (with securities license) |
| Accident & Sickness (Health) | Health, disability, LTC, Medicare Supplement |
| Life & Health | All life and health products |
How many hours of pre-license education does Georgia require for a Life & Health insurance license?
What is the passing score for the Georgia Life & Health insurance exam?
Who administers insurance licensing exams in Georgia?