Georgia Life & Health license exam prep

Georgia Life & Health Insurance Practice Test 2026

Practice the exam Georgia uses, from general life & health knowledge to Georgia's own insurance law. Every answer quotes the statute behind it.

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What the Georgia exam tests

General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Georgia's own insurance law.

Georgia requirement to pass

125 scored questions, 2 hours 30 minutes allowed, 70% to pass.

Last verified September 2026 · Insurance Content Outlines

Georgia

Life & Health

Time per question: About 1.2 minutes
Correct answers to pass: About 88 of 125
Exam fee: $67 listed (the exact fee depends on the exam you take)
Who runs the exam: Pearson VUE, an independent testing company
Combined or separate exams: Separate Health and Life, or combined
State license fee: $100 listed (it depends on the license type), paid to the Georgia Department of Insurance
Pre-licensing education: Life: required, 8 hours (Life course); Accident & Health: required, 8 hours (Accident and Sickness course)

From Georgia's published exam materials.

Study by topic

Master each topic before your Georgia exam. First 4 topics are free to start.

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Georgia insurance lawPRO85 questions Practice run: State Insurance Statutes & Regulations20 questions free, 25 with Pro · mixed topicsStart run

Pro study tools

The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?

Life & Health Exam SimulatorPROA timed, full-length practice exam with no feedback until you finish, so it feels like test day.

Quick QuizPROA short set drawn from the questions you miss most, reshuffled every time.

Readiness analysisPROYour strengths, weak spots, and estimated pass probability across the bank.

Your Life & Health readiness, before you book.

This is a sample report. With Pro, the score and every dimension come from your own answers.

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SAMPLE SCORE BREAKDOWN

SAMPLE

Coverage62%

Accuracy78%

Test Performance71%

Memory66%

Speed84%

81% likely to pass (sample)Focus on: Coverage

About the Georgia Life & Health exam

The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.

What it covers

Life insurance policy types, provisions and riders
Annuities and how they are taxed
Accident and health insurance, including HMOs and managed care
Your state's producer licensing, marketing and unfair trade practice rules

Who takes it

New agents and career changers getting a first producer license, and agents adding life and health to an existing license.

Georgia official sources

Individual Accident and Sickness InsuranceO.C.G.A. Title 33, Chapter 29, complete chapter, §§ 33-29-1 to 33-29-22 · Georgia General Assembly / Georgia Code Revision Commission, public access edition published by LexisNexis
Rules & Regulations Ch. 120-2Accident and Sickness Insurance: Subjects 120-2-12 (Advertising Accident and Sickness Insurance) and 120-2-59 (Standard Claim Form for Accident and Sickness Insurance) · Georgia (see note)
Rules & Regulations Ch. 120-2Group Health Insurance: Subjects 120-2-48 (Group Coordination of Benefits) and 120-2-67 (Portability and Renewability) · Georgia (see note)
Rules & Regulations Ch. 120-2, Subject 120-2-10Regulations Regarding Insurance Contract (Rules 120-2-10-.01 through -.14, including -.11A) · Georgia (see note)
Rules & Regulations Ch. 120-2Life Insurance and Annuity Contract Regulation: Subjects 120-2-11 (Advertising of Life Insurance and Annuity Contracts), 120-2-22 (Georgia Variable Annuity Contract Regulation), 120-2-24 (Replacement of Life Insurance Policies), 120-2-31 (Life Insurance Solicitation Regulation), 120-2-32 (Variable Life Insurance), 120-2-94 (Suitability in Annuity Transactions) · Georgia (see note)
Rules & Regulations Ch. 120-2Subjects 120-2-8 (Medicare Supplement Insurance) and 120-2-16 (Long Term Care Insurance), minimum standards · Georgia (see note)
Unfair Trade PracticesO.C.G.A. Title 33 Chapter 6, §§ 33-6-1 through 33-6-37, 22 sections; two articles, 33-6-1 to -14 and 33-6-30 to -37 · Georgia Code Revision Commission / LexisNexis (Official Code of Georgia Annotated), served through the Fastcase public document service that the Georgia Secretary of State's own rules publication links to
Rules & Regulations Ch. 120-2, Subject 120-2-3Regulations Regarding Agents, Subagents, Counselors, Adjusters, Surplus Lines Brokers, and Agencies (Rules 120-2-3-.01 through -.51; adopted under O.C.G.A. §§ 33-2-9, 33-23-44) · Georgia (see note)

All Georgia insurance laws and exam sources

Provisions these questions cite most

Every answer quotes the provision it tests. These are the Georgia provisions the questions on this page cite most often.

O.C.G.A. § 33-6-4 · Boycott, Coercion, Intimidation17 questions
O.C.G.A. tit. 33 Rule 120-2-32-.05 · Variable Life Insurance Policy Requirements, beneficiary designation4 questions
O.C.G.A. § 33-29-10 · Age limits; misstatement of age3 questions
O.C.G.A. § 33-29-13 · Timing of Outline Delivery3 questions
O.C.G.A. § 33-29-2 · Continuation of Dependent Child Coverage for Full-Time Students3 questions
O.C.G.A. § 33-29-11 · Effect and Place of Return2 questions
O.C.G.A. § 33-29-15 · Cap on Exemption of Disability Income Benefits2 questions
O.C.G.A. § 33-29-18 · Franchise Plan Insurance: Association and Union Groups2 questions

Exam figures on this page were checked against official pages: Pre-licensing. Confirm anything you rely on with the testing company and the Georgia Department of Insurance.

Frequently asked questions

Georgia publishes 125 scored questions, with 2 hours 30 minutes to finish. Exams also include a few unscored pretest questions.

Georgia offers separate Health and Life exams and one combined Life & Health exam. Take the one that matches the license you are applying for.

Georgia sets the passing score at 70%.

Georgia uses Pearson VUE, an independent testing company that schedules and runs licensing exams. Its candidate handbook explains how to register and what to bring.

The testing company lists an exam fee of $67, paid when you register; the exact amount depends on which exam you take. The Georgia Department of Insurance lists $100 for the license itself, which depends on the license type. Fees can change, so confirm them when you book.

Life: required, 8 hours (Life course); Accident & Health: required, 8 hours (Accident and Sickness course). Confirm the current rule with the Georgia Department of Insurance before you register, because requirements change.

Retake rules come from Georgia and its testing vendor: you pay the fee again and, in some cases, wait a set number of days. Check the Georgia candidate handbook from the testing vendor for the exact figure.

Passing is one step. You then apply for the license through the Georgia Department of Insurance, usually with a background check and a fee.

Yes. Each state writes its own version, combining general life & health knowledge with Georgia insurance law.

More Georgia practice tests

Georgia Property & Casualty practice test Georgia Personal Lines practice test

Life & Health practice tests in other states

California Texas Florida New York Pennsylvania Illinois Ohio North Carolina Michigan New Jersey Virginia Washington

See all Life & Health states →