Georgia Insurance License Practice Exam
Regulated by Georgia Office of Commissioner of Insurance and Safety Fire (OCI)
Georgia licenses insurance agents through the Office of Commissioner of Insurance and Safety Fire, and the exams are given by Pearson VUE at its test centers. Since June 2025 the prelicensing course is 8 hours for each major line rather than 20. Every agent exam passes at 70 percent, and each has its own Georgia law section.
Which license are you taking?
- Georgia Life and Health Practice TestLife, Accident and Sickness AgentThe combined Georgia exam for life and accident and sickness authority. 135 questions in two and a half hours, 25 of the scored items on Georgia law.135 questions · 150 minutes · 70 percent to pass
- Georgia Property and Casualty Practice TestProperty and Casualty AgentThe combined property and casualty exam. 135 questions in two and a half hours, covering property, liability, auto and homeowners coverage and 25 scored items on Georgia law.135 questions · 150 minutes · 70 percent to pass
- Georgia Life Practice TestLife AgentLife insurance and annuities without the health lines. 90 questions in two hours, with 30 of the 80 scored items on Georgia law.90 questions · 120 minutes · 70 percent to pass
- Georgia Accident and Sickness Practice TestAccident and Sickness AgentHealth, disability and accident coverage without the life lines. 90 questions in two hours, with 30 of the 80 scored items on Georgia law.90 questions · 120 minutes · 70 percent to pass
- Georgia Personal Lines Practice TestPersonal Lines AgentA narrower property and casualty license for personal auto, homeowners and related coverage. 95 questions in two hours, 15 of the 90 scored items on Georgia law.95 questions · 120 minutes · 70 percent to pass
653 practice questions available for this state: 498 on national principles and 155 on Georgia law.
Choosing a license
OCI offers five exams for the common selling licenses. Life, Accident and Sickness is the combined life and health exam, and Property and Casualty is its counterpart on the property side. Life and Accident and Sickness are the two halves of the combined life and health exam, and Personal Lines is a narrower property and casualty license for personal auto, homeowners and related coverage.
Each exam has a Georgia section of a set size, drawn from licensing law, unfair trade practices and the Georgia rules for that line. The Georgia share is largest on the single-line life and accident and sickness exams, where 30 of the 80 scored items are Georgia law.
| License | Questions | Scored | Georgia items | Time |
|---|---|---|---|---|
| Life, Accident and Sickness | 135 | 125 | 25 | 150 minutes |
| Property and Casualty | 135 | 125 | 25 | 150 minutes |
| Life | 90 | 80 | 30 | 120 minutes |
| Accident and Sickness | 90 | 80 | 30 | 120 minutes |
| Personal Lines | 95 | 90 | 15 | 120 minutes |
The 8-hour prelicensing course
Since June 2025 Georgia requires 8 hours of prelicensing education for each major line. Life takes 8 hours, Accident and Sickness 8, Personal Lines 8, and Property and Casualty 16, made up of 8 hours of property and 8 of casualty. A candidate for the combined life and health license completes 8 hours for each line.
Some course providers and older study guides still describe the former 20-hour requirement. Check the current hours with OCI or an approved provider before you enroll.
Some candidates are exempt from the course. Holders of the CLU or FLMI designation are exempt for life and accident and sickness, and holders of the CPCU, CIC, CISR or CRM designation for property and casualty. Georgia's exam rule also exempts some designation holders from the exam itself, so confirm with OCI what your designation covers. A bachelor's degree in insurance exempts you from the course but not from the exam.
How the exam is given and scored
Pearson VUE administers the exams at its test centers. Each exam includes unscored pretest items mixed in with the scored ones, which is why the question count on screen is higher than the scored count.
The passing score is 70 percent. The Georgia section is part of the exam but has no passing score of its own; the overall score decides the result.
After a first or second failed attempt you wait 14 days to retest. After that the wait is 60 days. Once you pass, you have 12 months from the exam date to apply for the license.
The 60 percent temporary license
An amendment in August 2026 gave the Commissioner discretion to issue a temporary license to a candidate who scores 60 percent, where the candidate has a currently licensed agent as sponsor and an insurer requests the temporary license in writing.
This is not a pass. The passing score stays at 70 percent, and a candidate who holds a temporary license still has to pass the exam at 70 percent to be licensed permanently.
What Georgia law the exams cover
Every exam tests licensing law and unfair trade practices. Licensing law covers the Commissioner's powers, license types, prelicensing education and its exemptions, exam rules and retake waits, continuing education, and the grounds for refusing, suspending or revoking a license. Unfair practices covers misrepresentation and twisting, rebating and its exceptions, unfair discrimination, unfair claims settlement and the agent's fiduciary duty over premium.
The life exams add insurable interest and consent, replacement and life advertising rules, required policy provisions, policy loans and group life conversion. The accident and sickness exams add uniform policy provisions, Medicare supplement and long-term care. The property and casualty exams add cancellation and nonrenewal notice, binders, rate regulation, the Georgia FAIR Plan, the insolvency pool, uninsured motorist coverage and the auto and workers' compensation residual market plans.
After you pass
Apply for the license through Sircon within 12 months of passing the exam. New resident applicants submit fingerprints for a background check.
Once licensed, agents complete 24 hours of continuing education every two years, at least 3 of them in ethics. OCI publishes the current continuing education rules on its website.
Application, exam and fingerprint fees change, so check the current amounts with OCI and Pearson VUE rather than relying on a figure from a study guide.
Common questions
- Do I still need 20 hours of prelicensing education in Georgia?
- No. Since June 2025 the course is 8 hours for each major line: 8 for life, 8 for accident and sickness, 8 for personal lines and 16 for property and casualty. Some sources still show the old 20-hour figure, so confirm with OCI or your course provider.
- What score do I need to pass?
- 70 percent overall. The Georgia section is part of the exam but is not scored as a separate pass or fail.
- Does a 60 percent score count as passing?
- No. Since August 2026 a 60 percent score can support a temporary license at the Commissioner's discretion, if the candidate has a licensed agent sponsor and an insurer requests it in writing. The passing score is still 70 percent.
- How long do I have to wait to retake the exam?
- 14 days after a first or second failed attempt, and 60 days after each attempt after that.
- Can I take the exam online?
- Plan on a test center. Pearson VUE gives the Georgia insurance exams at its test centers.
- What does the application cost?
- OCI and Pearson VUE set the application, exam and fingerprint fees and change them from time to time. Check the current amounts on the OCI and Pearson VUE websites before you apply.
Guides
Fees and requirements change, and several states have run temporary fee adjustments. Confirm current figures with Georgia Office of Commissioner of Insurance and Safety Fire (OCI) before relying on anything here.