• 104 questions

Georgia Life and Health Insurance Exam Questions

Georgia insurance law only, from agent licensing to the guaranty association, with the Code section or rule under each answer.

What is the passing grade on a Georgia examination for an agent license?

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Unofficial practice questions, not affiliated with the Georgia Office of Commissioner of Insurance and Safety Fire. Bank checked October 6, 2026.

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Agent licensing and continuing education 36

  • A Georgia agent willfully mishandles premium funds held in a fiduciary capacity. When is the violation a felony under O.C.G.A. 33-23-35? O.C.G.A. 33-23-35
  • A Georgia agent's license lapsed while the agent served in the armed forces. Within how long from the expiration of the old license must the application for a new one be made? O.C.G.A. 33-23-10
  • A Georgia agent's license sits on inactive status because no insurer has a certificate of authority on file for the agent. What must the licensee still do? O.C.G.A. 33-23-19
  • A Georgia applicant scores 60 percent on the license examination and has a currently licensed agent sponsor. What may the Commissioner do on the written request of an insurer? Ga. Comp. R. & Regs. 120-2-3-.09
  • A Georgia insurer asks for a temporary license so that a new recruit can be trained as an agent. Under what condition must the recruit work? O.C.G.A. 33-23-13
  • A Georgia license application is refused. Under the subsection added in 2023, when is the earliest the Commissioner may permit the applicant to file again? O.C.G.A. 33-23-23 (2023 H.B. 222)
  • A Georgia licensee holds several lines, one of them credit insurance. How many continuing education hours may be applied from credit insurance self-study? Ga. Comp. R. & Regs. 120-2-3-.15
  • A Georgia licensee surrenders the license under a written consent order. What effect does O.C.G.A. 33-23-23 give the surrender? O.C.G.A. 33-23-23
  • A Georgia resident licensee has been continually licensed for 20 years or longer. What is the biennial continuing education minimum under Rule 120-2-3-.15? Ga. Comp. R. & Regs. 120-2-3-.15
  • A Georgia veteran applies for a new license in place of one that lapsed during service. How recently must the service in the armed forces have ended? O.C.G.A. 33-23-10
  • A person fails the Georgia license examination. How long must pass before the person may take it again? Ga. Comp. R. & Regs. 120-2-3-.09
  • A person has taken the Georgia license examination three times without passing. How long is the wait before another attempt? Ga. Comp. R. & Regs. 120-2-3-.09
  • After receiving a passing score on the Georgia examination, within how long must a person file the license application to avoid retaking the examination? Ga. Comp. R. & Regs. 120-2-3-.09
  • Before selling a long-term care partnership policy in Georgia, what training must an agent have completed? Ga. Comp. R. & Regs. 120-2-3-.15
  • Counting every renewal, what is the longest a Georgia temporary license in one matter may run from its first issuance? O.C.G.A. 33-23-13
  • For how long is a Georgia temporary agent license first effective? O.C.G.A. 33-23-13
  • How long must a Georgia agent keep the records of a particular transaction? O.C.G.A. 33-23-34
  • How many hours of instruction must a Georgia agent prelicensing course contain for each major line of authority? Ga. Comp. R. & Regs. 120-2-3-.08
  • How may a Georgia probationary license be revoked for cause? O.C.G.A. 33-23-14
  • How much experience must an instructor of a Georgia prelicensing course have, unless the instructor otherwise qualifies by education and teaching? Ga. Comp. R. & Regs. 120-2-3-.08
  • Must a Georgia agent keep a separate bank deposit for the premium funds of each insurer represented? O.C.G.A. 33-23-35
  • O.C.G.A. 33-23-23(a) bars a new application after a Georgia license is revoked. How long does the bar last? O.C.G.A. 33-23-23
  • Since a 2023 act, for what period may the Georgia Commissioner issue a probationary license? O.C.G.A. 33-23-14 (2023 H.B. 222)
  • To hold a Georgia resident license, for how much of every year must an individual reside and be present in the state, unless the principal place of business is in Georgia? O.C.G.A. 33-23-5
  • Under O.C.G.A. 33-23-10, who may the Georgia Commissioner never exempt from the written examination requirements? O.C.G.A. 33-23-10
  • Under the Georgia rule, how many continuing education hours must a resident licensee licensed for less than 20 years complete in each biennial license period? Ga. Comp. R. & Regs. 120-2-3-.15
  • What ceiling does O.C.G.A. 33-23-18 put on the continuing education the Georgia Commissioner may require of an individual licensed for less than 20 years? O.C.G.A. 33-23-18
  • What is the passing grade on a Georgia examination for an agent license? Ga. Comp. R. & Regs. 120-2-3-.09
  • What must a Georgia agent report to the insurer when effectuating an insurance contract, on pain of a misdemeanor for a willful failure? O.C.G.A. 33-23-35
  • When do Georgia resident agent licenses, issued on a biennial basis, expire? O.C.G.A. 33-23-18
  • When is a Georgia agent's license placed on inactive status? O.C.G.A. 33-23-19
  • When is a Georgia insurer deemed to have obtained a certificate of authority for an agent it designates? O.C.G.A. 33-23-26
  • Which designation excuses a Georgia applicant for a life or accident and sickness agent license from the examination? Ga. Comp. R. & Regs. 120-2-3-.09
  • Which Georgia agent is exempt by statute from continuing education? O.C.G.A. 33-23-18
  • Which usual licensing requirements does O.C.G.A. 33-23-13 waive for an applicant for a Georgia temporary license issued after an agent's death or disability? O.C.G.A. 33-23-13
  • Within how long must a Georgia licensee send the Commissioner a change of office or residence address? O.C.G.A. 33-23-33

Life policy provisions 27

  • A 16-year-old in Georgia signs a promissory note for a life insurance premium. Which of the minor's obligations does O.C.G.A. 33-24-5 leave unenforceable? O.C.G.A. 33-24-5
  • A claim for Georgia life policy proceeds is filed and stays unpaid. From 30 days after the claim is filed, at what rate is interest computed? O.C.G.A. 33-25-10
  • A Georgia buyer returns a life policy during the ten-day period. What is prima-facie evidence of the fact and date of the return? O.C.G.A. 33-25-8
  • A Georgia life policy may end when total indebtedness reaches the loan value. How much notice must the insurer mail first? O.C.G.A. 33-25-3
  • A Georgia life policy refers to the application as part of the contract, but no copy is attached to the policy. What is the standing of the application in a dispute between the parties? O.C.G.A. 33-25-2
  • A Georgia participating life policy defers payment of an apportioned dividend, with interest added. What is the longest the deferral may run for the dividend still to count as payable in cash? O.C.G.A. 33-25-3
  • A Georgia participating life policy gives a period for electing a dividend option other than cash. How long must that period be? O.C.G.A. 33-25-3
  • A Georgia resident dies leaving life insurance payable to a named beneficiary. What is the standing of the proceeds against the insured's creditors? O.C.G.A. 33-25-11
  • A person insured under a Georgia group life policy is not told of the conversion right at least 15 days before the conversion period ends. What follows? O.C.G.A. 33-27-5
  • Below what amount does O.C.G.A. 33-25-10 not require a Georgia life insurer to pay interest on proceeds? O.C.G.A. 33-25-10
  • For how long may a reinstated Georgia life policy be contested for fraud or misrepresentation material to the reinstatement? O.C.G.A. 33-25-12
  • From what age may a minor in Georgia contract for life insurance and annuities on his or her own life? O.C.G.A. 33-24-5
  • Georgia makes life insurers pay interest on individual policy proceeds. Which prompt payment takes the proceeds outside O.C.G.A. 33-25-10 altogether? O.C.G.A. 33-25-10
  • How does Georgia treat statements in an application for an insurance policy or annuity contract? O.C.G.A. 33-24-7
  • How large is a Georgia individual's insurable interest in his or her own life under O.C.G.A. 33-24-3? O.C.G.A. 33-24-3
  • In Georgia an individual life contract normally needs the insured's application or written consent. Who may effectuate insurance on another adult without it? O.C.G.A. 33-24-6
  • No lawsuit has been filed on a Georgia individual life policy. At what rate is interest on the death proceeds computed from the insured's death? O.C.G.A. 33-25-10
  • On reinstating a Georgia life policy within three years of default, what is the most interest the insurer may charge on the premiums in arrears? O.C.G.A. 33-25-3
  • To which Georgia individual life policies does the duty to pay interest on death proceeds under O.C.G.A. 33-25-10 not apply, counting from the date of issue? O.C.G.A. 33-25-10
  • Under a subsection added in 2025, what may a Georgia group life policy not exclude? O.C.G.A. 33-25-5 (2025 S.B. 109)
  • Under O.C.G.A. 33-25-15, for what may a Georgia insurer not penalize an agent? O.C.G.A. 33-25-15
  • What does an incontestable clause in a Georgia life policy preclude under O.C.G.A. 33-25-7? O.C.G.A. 33-25-7
  • What grace period must a Georgia life insurance policy give for a premium after the first? O.C.G.A. 33-25-3
  • Which exclusion may a Georgia life policy contain under O.C.G.A. 33-25-5? O.C.G.A. 33-25-5 (2025 S.B. 109)
  • Which individual life policies are left out of the ten-day return notice that O.C.G.A. 33-25-8 requires in Georgia? O.C.G.A. 33-25-8
  • Which parts of a Georgia life policy are left out of the two-year incontestability provision of O.C.G.A. 33-25-3? O.C.G.A. 33-25-3
  • Who may sign the application for a family policy in Georgia under the exceptions in O.C.G.A. 33-24-6? O.C.G.A. 33-24-6

Replacement and annuity sales 10

  • A Georgia insurer learns from a Replacement Notice that its policy may be replaced. Within how long must it furnish a policy summary statement to its policyholder, if requested? Ga. Comp. R. & Regs. 120-2-24-.06
  • For how long must a Georgia insurer keep copies of the Replacement Notice and its replacement register in its home office? Ga. Comp. R. & Regs. 120-2-24-.06
  • The Georgia replacement regulation, Rule 120-2-24-.04, lists what it does not cover. Which of these is on the list? Ga. Comp. R. & Regs. 120-2-24-.04
  • Rule 120-2-24-.07 sets a mailing deadline for a Georgia insurer whose agent takes a replacing application. By when must the Replacement Notice go to the existing insurer? Ga. Comp. R. & Regs. 120-2-24-.07
  • Two signatures go on the Replacement Notice that is left with a Georgia applicant. Whose? Ga. Comp. R. & Regs. 120-2-24-.05
  • Under the Georgia replacement regulation, what is "conservation"? Ga. Comp. R. & Regs. 120-2-24-.03
  • Under the Georgia replacement regulation, which coverage counts as "existing life insurance" even though no policy has been delivered and kept? Ga. Comp. R. & Regs. 120-2-24-.03
  • What does the Georgia annuity suitability regulation require of a producer who recommends an annuity? Ga. Comp. R. & Regs. 120-2-94-.06
  • What must a Georgia agent leave with the applicant after a presentation that involves a replacement? Ga. Comp. R. & Regs. 120-2-24-.05
  • What training must a Georgia producer complete before engaging in the sale of annuity products? Ga. Comp. R. & Regs. 120-2-94-.07

Accident and sickness provisions 14

  • A Georgia accident and sickness policy is cancelable or renewable at the insurer's option. If the company cancels before the age stated in the policy, what must it refund? O.C.G.A. 33-29-8
  • A Georgia accident and sickness policy lets the company decline to renew. The grace period then applies unless written notice of nonrenewal went out how long before the premium due date? O.C.G.A. 33-29-3
  • Georgia exempts disability income benefits from the debts of the insured. What is the limit of that exemption? O.C.G.A. 33-29-15
  • How much notice of a premium increase must the holder of a Georgia individual accident and sickness policy be given? O.C.G.A. 33-29-22
  • In the refund provision of O.C.G.A. 33-29-8, what is the lowest age a Georgia insurer may insert as the age before which a cancellation triggers the refund? O.C.G.A. 33-29-8
  • O.C.G.A. 33-29-3 leaves a blank for the days of grace in an accident and sickness policy. For a Georgia policy paid quarterly or yearly, what is the smallest number that may fill it? O.C.G.A. 33-29-3
  • O.C.G.A. 33-29-7 limits when a Georgia insurer may use a reserved right to refuse renewal of an individual accident and sickness policy. When is the earliest? O.C.G.A. 33-29-7
  • Under a Georgia accident and sickness policy, the insurer does not furnish claim forms after notice of claim. After how long is the claimant deemed to have complied by submitting written proof? O.C.G.A. 33-29-3
  • Under O.C.G.A. 33-29-2, a dependent child insured under a Georgia family accident and sickness policy stays a dependent and a full-time student. Up to what age does the coverage continue? O.C.G.A. 33-29-2
  • Under O.C.G.A. 33-29-2, a Georgia family accident and sickness policy may insure children under a specified age. What is the highest age the policy may specify? O.C.G.A. 33-29-2
  • Under O.C.G.A. 33-29-2, to stay insured to age 25 under a parent's Georgia accident and sickness policy, for how much of each calendar year must a dependent child have been enrolled as a full-time student? O.C.G.A. 33-29-2
  • What must a Georgia accident or sickness policy disclose whenever it refers to its noncancelable nature? O.C.G.A. 33-29-9
  • When must a Georgia insurer give an applicant for accident and sickness insurance the written outline of coverage? O.C.G.A. 33-29-13
  • Which individual accident and sickness policies are left out of the ten-day return notice of O.C.G.A. 33-29-11 in Georgia? O.C.G.A. 33-29-11

Unfair practices and penalties 10

  • A Georgia insurer charges an individual a different rate for the same coverage because of national origin, and the violation is found to be intentional. What may the trier of fact award beyond ordinary damages? O.C.G.A. 33-6-4
  • A Georgia lender makes it a condition of a loan that insurance on the collateral be written through one particular agent. How does O.C.G.A. 33-6-4 treat an agent who is a party to that requirement? O.C.G.A. 33-6-4
  • A Georgia vendor includes the charge for insurance in the overall purchase price of merchandise. What must the vendor do under O.C.G.A. 33-6-5? O.C.G.A. 33-6-5
  • From January 1, 2027, what is the most the Georgia Commissioner may order for each act that is an unfair trade practice, where the person did not know of the violation? O.C.G.A. 33-6-8 (2026 H.B. 1344)
  • From January 1, 2027, what monetary penalty may follow each violation of a Georgia cease and desist order issued for an unfair trade practice? O.C.G.A. 33-6-9 (2026 H.B. 1344)
  • From January 1, 2027, what penalty may the Georgia Commissioner order for each unfair trade practice that the person knew, or ought reasonably to have known, was a violation? O.C.G.A. 33-6-8 (2026 H.B. 1344)
  • Under O.C.G.A. 33-6-4, which representation by a Georgia agent selling Medicare supplement coverage is an unfair practice? O.C.G.A. 33-6-4
  • Under O.C.G.A. 33-6-5, what may a seller of property in Georgia not do with insurance? O.C.G.A. 33-6-5
  • What does O.C.G.A. 33-6-5 forbid a person in Georgia who is not an insurer to do with a name? O.C.G.A. 33-6-5
  • Which direct response advertising of a life policy does O.C.G.A. 33-6-4 list as an unfair practice in Georgia? O.C.G.A. 33-6-4

Guaranty association 7

  • From January 1, 2027, what monetary penalty may a Georgia agent face for each advertisement that uses the existence of the guaranty association to sell insurance? O.C.G.A. 33-38-21 (2026 H.B. 1344)
  • Georgia covers annuity benefits on one life at a figure of its own. What does O.C.G.A. 33-38-7 set for present value and for cash withdrawal values? O.C.G.A. 33-38-7
  • How many member insurers sit on the board of directors of the Georgia Life and Health Insurance Guaranty Association? O.C.G.A. 33-38-6
  • May a Georgia agent tell a prospect that the guaranty association stands behind a policy, to help close the sale? O.C.G.A. 33-38-21
  • O.C.G.A. 33-38-18 pauses lawsuits involving an insolvent insurer so that the Georgia guaranty association can act. For how many days from the final liquidation order? O.C.G.A. 33-38-18
  • What is the most the Georgia guaranty association covers in life insurance death benefits on one life? O.C.G.A. 33-38-7
  • Who selects the members of the Georgia guaranty association's board of directors? O.C.G.A. 33-38-6

How it works

These unofficial Georgia life and health insurance exam questions ask the law only: 104 questions from Title 33 of the Official Code of Georgia and the Insurance Department's rules. Policy types, underwriting and textbook theory are not asked.

Read the full guide

Georgia life insurance exam outline: the law part

Six groups: agent licensing and continuing education, life policy provisions, replacement and annuity sales, accident and sickness provisions, unfair practices and penalties, and the guaranty association. That is the outline of this bank, not the state's exam outline. A candidate for the life line alone can skip the accident and sickness group; the rest is a free GA life insurance practice exam on the law.

Where the Georgia law was read

Code sections were read in a public copy dated November 2022 and checked against all 1,414 bills the Governor signed from 2023 to 2026. Rules were read on the Secretary of State's rules site. Penalties raised by a 2026 act are asked as they stand from January 1, 2027.

  • A probationary license now runs 3 to 24 months; a 2023 act doubled the old 12-month limit (O.C.G.A. 33-23-14).
  • Life policy grace period: not less than 30 days. Group life: not less than 31 (O.C.G.A. 33-25-3, 33-27-3).
  • Fail the exam and the wait to retake is 14 days; after three tries it is 60 days (Rule 120-2-3-.09).

Questions and answers

What is the passing score on the Georgia life and health insurance exam?

Rule 120-2-3-.09 sets the passing grade at seventy percent. An applicant who scores sixty percent with a licensed agent sponsor may be given a temporary license on an insurer's written request. No rule read here gives the exam's length or clock.

How many hours of prelicensing education does Georgia require?

Rule 120-2-3-.08 requires a prelicensing course of at least eight hours of instruction for each major line of authority. Life is one major line and accident and sickness is another.

How many continuing education hours does a Georgia agent need?

Twenty-four hours in each two-year license period, three of them in ethics. An agent continually licensed for 20 years or longer needs twenty hours, three in ethics (Rule 120-2-3-.15).

Are these the real Georgia insurance exam questions?

No. Each was written for this site from the Georgia Code, a signed act or a department rule. The examination is prepared and given by the Commissioner or a designee under O.C.G.A. 33-23-10, and this page has no part in it.

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