Georgia Insurance License
The Georgia insurance license exam, in plain numbers.
Everything below is specific to Georgia — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Georgia
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 125 | 88 | 70% | 37 |
| Life only | 80 | 56 | 70% | 24 |
| Health only | 80 | 56 | 70% | 24 |
Administered by Pearson VUE for the Office of Commissioner of Insurance and Safety Fire. Time limit: published in your Pearson VUE candidate handbook; confirm when you schedule. Roughly 25 of the scored questions (20%) come from Georgia law — the block national courses cover most lightly.
Prelicensing
8 hours per line of authority, 16 hours for combined Life and Accident & Sickness.
Continuing education
24 hours biennially including 3 ethics hours, dropping to 20 hours after 20 years licensed.
License term
2 years, ending the last day of the birth month
Regulator
The Office of Commissioner of Insurance and Safety Fire oversees licensing, headed by elected statewide to a 4-year term.
Georgia Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Georgia policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $300,000 |
| Annuity cash value | $250,000 |
The Study Guide
Written for Georgia, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Georgia insurance exam questions, answered
How many questions are on the Georgia insurance license exam?
The combined life and health exam has 125 scored questions. You need 88 correct to pass at 70%, which means you can miss 37.
What is the passing score for the Georgia insurance exam?
70%. That works out to 88 correct answers out of 125 scored questions.
Who administers the Georgia insurance license exam?
Pearson VUE, on behalf of the Office of Commissioner of Insurance and Safety Fire.
Does Georgia require prelicensing education?
8 hours per line of authority, 16 hours for combined Life and Accident & Sickness.
How much continuing education does Georgia require?
24 hours biennially including 3 ethics hours, dropping to 20 hours after 20 years licensed.
Is there a Georgia life-only or health-only exam?
Yes. Life only is 80 scored questions, 56 to pass, Health only is 80 scored questions, 56 to pass.
How much does a Georgia study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Office of Commissioner of Insurance and Safety Fire.