Get Your Georgia Property and Casualty Insurance License and Start Selling P&C Coverage in The Peach State
If you want to sell auto insurance, homeowners insurance, renters insurance, commercial property, general liability, workers compensation, or other property and casualty products in Georgia, you will need the proper license before you can legally transact insurance.
The Georgia property and casualty insurance license is one of the most practical and career-friendly insurance licenses in The Peach State. It can open the door to personal lines, commercial lines, agency work, brokerage opportunities, and long-term career growth in the insurance industry.
Georgia has a few important rules you need to know before you start. Most importantly, Georgia requires prelicensing education for the P&C path, and the state says Property and Casualty applicants must apply for both under Georgia guidelines. Georgia lists “Property and Casualty” as a license option and specifically notes that applicants must apply for both under Georgia guidelines.
Important Georgia note: TESTivity is not Georgia’s required prelicensing course. For the required Georgia prelicensing education, we recommend Achievable.me. After completing the required course, use TESTivity’s study tools to review, reinforce, and practice for the Georgia P&C licensing exam.
How Georgia P&C Licensing Works
Getting a Georgia P&C license is not just a matter of taking an exam. Georgia requires candidates to follow a process that includes education, testing, application documents, licensing fees, and fingerprinting.
For Georgia resident applicants, the licensing authority is the Georgia Office of Commissioner of Insurance and Safety Fire, often called Georgia OCI. Georgia resident applicants apply through Sircon.com/georgia, and OCI directs candidates to the Georgia Insurance Licensing Candidate Handbook for detailed licensing, prelicensing, exam, fee, and renewal information.
The general path looks like this:
- Complete the required Georgia P&C prelicensing education.
- Pass the Georgia Property and Casualty Agent Combo exam through Pearson VUE.
- Submit your license application through Sircon.
- Upload required citizenship and identity documentation.
- Complete fingerprinting after applying.
- Monitor your email for approval or deficiency notices.
This page explains each step clearly so you can move through the process without wandering into a licensing briar patch.
Georgia Property and Casualty License Quick Facts
| Item | Georgia P&C Requirement |
|---|---|
| License type | Property and Casualty |
| Licensing authority | Georgia Office of Commissioner of Insurance and Safety Fire |
| Testing vendor | Pearson VUE |
| Application platform | Sircon / Georgia Producer Portal |
| Minimum age | 18 |
| Prelicensing required? | Yes |
| Prelicensing hours | 16-hour Property and Casualty course |
| Exam | Georgia Property and Casualty Agent Combo |
| Exam code | 12-GA-06 |
| Scored exam questions | 125 scored questions plus 10 pretest questions |
| Common exam fee | $67 |
| Common license/application fee | $100 license fee plus $20 processing fee |
| Fingerprints required? | Yes, for resident applicants |
| Renewal cycle | Two-year license, expiring on the last day of the licensee’s birth month |
| CE requirement | Generally 24 hours every biennium, including 3 ethics hours |
The Georgia candidate handbook states that Georgia issues a two-year agent license that expires on the last day of the licensee’s birth month, and it also says electronic online application services are available through Sircon.
5 Steps to Get a Georgia Property and Casualty Insurance License
Step 1: Make Sure the Georgia P&C License Matches Your Career Goal
The Georgia property and casualty insurance license is the right path if you want to sell or discuss coverage involving property risks, liability risks, vehicles, homes, businesses, and related insurance needs.
A Georgia P&C license may be used for products such as:
- Personal auto insurance
- Homeowners insurance
- Renters insurance
- Dwelling policies
- Commercial property insurance
- Commercial general liability insurance
- Businessowners policies
- Workers compensation coverage
- Inland marine insurance
- Umbrella and excess liability
- Bonds and surety-related products
- Other property and casualty products
Georgia has a state-specific wrinkle here: the state identifies Property and Casualty together and notes that applicants must apply for both under Georgia guidelines. In plain English: do not plan this as a “Property only” or “Casualty only” resident agent path. Georgia treats this as a combined P&C licensing route.
For a broader overview of all license types, see Insurance Licensing in Georgia: Complete Guide to License Types and Requirements.
Step 2: Complete Georgia’s Required P&C Prelicensing Education
Georgia requires P&C applicants to complete prelicensing education before licensure. The Georgia Insurance Licensing Candidate Handbook lists the P&C education requirement as a 16-hour Property and Casualty course taken within the last 12 months.
Because Georgia requires prelicensing education, your first study step should be an approved prelicensing course.
Recommended required course: Achievable.me
Recommended post-course exam prep: TESTivity
Think of the required course as your ticket into the stadium. TESTivity is the training facility where you build speed, recall, and exam confidence after the course is done.
Why Prelicensing Alone May Not Be Enough
A Georgia prelicensing course teaches the material you need to become eligible and prepared. But many students still struggle on exam day because they do not convert the material into fast, accurate recall.
Common post-course problems include:
- Remembering the definition but missing the exam application.
- Confusing homeowners forms.
- Mixing up vacancy, unoccupancy, cancellation, and nonrenewal.
- Studying property topics well but neglecting casualty.
- Underestimating Georgia-specific law.
- Practicing too few timed questions.
- Reviewing only what feels familiar instead of drilling weak areas.
That is why TESTivity focuses on repetition, active recall, practice questions, flashcards, audio review, mind maps, learning games, and readiness scoring.
Why Exam Prep Matters in Georgia
The Georgia P&C insurance exam is a content-heavy multiple-choice exam. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Step 3: Schedule and Pass the Georgia P&C Licensing Exam
Georgia insurance licensing exams are administered by Pearson VUE. Pearson VUE’s Georgia insurance page provides registration, exam information, and access to handbooks and forms for Georgia insurance licensing exams.
The Georgia P&C exam is the Property & Casualty Agent Combo exam. The Georgia content outline identifies the Georgia Property and Casualty Agent exam as having 125 scored questions plus 10 pretest questions.
Georgia P&C Exam Quick Facts
| Exam Detail | Georgia P&C Information |
|---|---|
| Exam name | Property & Casualty Agent Combo |
| Exam code | 12-GA-06 |
| Testing vendor | Pearson VUE |
| Question structure | 125 scored questions plus 10 pretest questions |
| Format | Computer-based |
| Exam fee | Commonly listed as $67 in the candidate handbook |
| Score report | Provided after testing |
| Best prep strategy | Required course plus active exam practice |
The Georgia candidate handbook says candidates should make an exam reservation online or by phone at least 24 hours before the desired exam date and that walk-in exams are not available.
Step 4: Apply for Your Georgia P&C License Through Sircon
After you complete the required education and pass the exam, you will apply for your Georgia insurance license through Sircon.
Georgia’s candidate handbook says the general procedure is to pass the required exam and then submit an application at www.sircon.com/georgia. It also states that new license applicants must submit a notarized Citizenship Affidavit Form, known as GID-276-EN, attesting to United States citizenship or lawful presence.
Before You Apply, Gather:
- Your legal name and personal information
- Your National Producer Number, if applicable
- Prelicensing course completion information
- Exam completion information
- Citizenship Affidavit documentation
- Verifiable identification
- Payment method for fees
- Any additional supporting documents required by Georgia OCI
If you submit an incomplete application, Georgia says your application may be delayed. OCI advises applicants to gather all needed information, documentation, and requirements before applying and to watch email for needed information and updates after applying.
Step 5: Complete Fingerprinting and Watch for Application Updates
Georgia resident producer applicants must complete fingerprinting as part of the licensing process. The timing is important.
Georgia OCI says all resident producer applicants must first apply for the needed license before requesting fingerprinting registration approval. If no application is found, the fingerprint registration request is denied, and the applicant must apply in Sircon before requesting fingerprinting approval.
Georgia Fingerprinting Tips
- Do not fingerprint before submitting the license application unless Georgia instructions specifically tell you to do so.
- Apply through Sircon first.
- Follow Georgia OCI’s fingerprinting instructions carefully.
- Watch for emails from the fingerprint vendor and Georgia OCI.
- Save confirmations and receipts.
- Respond quickly to any application deficiency notices.
Fingerprints are one of those licensing steps that look small until they gum up the machine. Handle them in the right order and you avoid a very avoidable paperwork goblin.
Georgia Property and Casualty Exam Details
The Georgia P&C exam covers both general property and casualty insurance concepts and Georgia-specific laws, rules, and regulations.
According to the Georgia Property and Casualty Agent content outline, the exam includes 125 scored questions plus 10 pretest questions.
What Is on the Georgia P&C Exam?
The official outline includes both property and casualty topics, along with Georgia law.
Property Insurance Topics
The Georgia P&C outline includes property policy types such as homeowners, dwelling policies, commercial package policies, commercial property, business income, extra expense, equipment breakdown, businessowners policies, builders risk, cyber first-party coverage, inland marine, the National Flood Insurance Program, earthquake, mobile homes, watercraft, farm owners, and windstorm.
Property Insurance Terms and Concepts
The outline also includes concepts such as risk, hazards, perils, direct and indirect loss, actual cash value, replacement cost, market value, stated/agreed value, salvage value, proximate cause, deductibles, indemnity, limits of liability, coinsurance, occurrence, cancellation, nonrenewal, vacancy and unoccupancy, liability, negligence, and binders.
Casualty Insurance Topics
Casualty topics include liability policies, commercial general liability, auto insurance, workers compensation, bonds, businessowners coverage, umbrella and excess liability, professional liability, crime, and other liability-related products.
Casualty Policy Provisions
The content outline includes casualty provisions such as declarations, insuring agreements, conditions, exclusions, definitions of insured, duties after loss, cancellation and nonrenewal provisions, supplementary payments, proof of loss, notice of claim, other insurance, subrogation, settlement provisions, and TRIA.
Georgia State Law
The Georgia outline includes a major section on state laws, rules, and regulations for all insurance lines. It covers topics such as the insurance department and commissioner, investigations, penalties, licensing, license maintenance, license revocation/suspension/denial, nonresident licensing, unfair trade practices, rebating, defamation, unfair discrimination, misrepresentation, controlled business, advertising, coercion, commingling, fiduciary responsibility, sharing commissions, additional fees, unfair claims practices, and fraud.
Georgia P&C-Specific Rules
The Georgia P&C outline also includes rules related to cancellation and nonrenewal, regulation of rates, binders, Georgia Insurer Solvency Pool, the FAIR Plan, auto insurance, uninsured motorists coverage, financial responsibility, assigned risk, and workers compensation.
Georgia P&C License Fees
Georgia fees can change, so always confirm current fees with Georgia OCI, Sircon, and Pearson VUE before applying.
The Georgia candidate handbook lists many major agent license fees as:
| Fee Type | Common Georgia P&C Amount |
|---|---|
| License fee | $100 |
| Processing fee | $20 |
| Pearson VUE exam fee | Commonly $67 |
| Fingerprinting | Separate vendor/background check cost |
| Prelicensing education | Varies by provider |
| Supplemental exam prep | Optional, but strongly recommended |
The handbook’s license qualification table lists a $100 license fee and $20 processing fee for several Georgia license categories.
Fingerprint and Background Check Requirements
Georgia requires resident producer applicants to complete fingerprinting, and the order matters.
Submit the license application first. Then follow Georgia’s instructions for fingerprinting registration approval. OCI says that if no application is found, the fingerprint registration request is denied.
What This Means for Georgia P&C Applicants
Do this:
- Complete required education.
- Pass the Georgia P&C exam.
- Submit the Sircon license application.
- Request fingerprinting registration approval.
- Complete fingerprints.
- Watch email for updates.
Do not do this:
- Do not assume fingerprints can be completed at any time.
- Do not ignore fingerprint vendor emails.
- Do not submit an incomplete application and hope it works itself out.
- Do not wait until days later to check whether Georgia requested additional documents.
Your application is a little licensing relay race. If one runner drops the baton, the whole thing slows down.
Georgia P&C License Application Process
Georgia resident applicants use Sircon.com/georgia for resident licensing. Georgia OCI’s resident licensing page states that resident applicants must apply through Sircon, and the candidate handbook says online application services are available at Sircon.
Application Checklist
Before applying, make sure you have:
- Completed the required Georgia P&C prelicensing course.
- Passed the Georgia Property and Casualty Agent Combo exam.
- Prepared the Citizenship Affidavit and acceptable ID.
- Gathered any supporting documents.
- Confirmed your legal name matches your identification.
- Prepared payment for license and processing fees.
- Reviewed Georgia OCI’s current instructions.
- Planned to complete fingerprinting after application submission.
After Applying
After you submit your application:
- Upload required documents through Sircon.
- Complete fingerprinting after submitting the application.
- Watch for deficiency notices.
- Respond within Georgia’s stated deadlines.
- Keep records of your application, receipts, course completion, exam score, and fingerprinting confirmation.
The Georgia handbook states that if an incomplete application is submitted, the applicant receives one deficiency notice at the business email listed in the application and has 60 days to resolve the deficiency. If the application remains incomplete after 60 days, it will be closed and the applicant must reapply.
Renewal and Continuing Education for Georgia P&C Agents
After you receive your Georgia P&C license, you must keep it active through renewal and continuing education.
Georgia OCI says resident licensees must complete continuing education every other year by the last day of the licensee’s birth month. The state’s CE page lists the requirement for resident licensees with less than 20 years of service as 24 hours, including 3 ethics hours. Beginning in 2026, licensees with more than 20 years of service receive a 4-hour reduction, resulting in 20 hours, including 3 ethics hours.
Georgia Renewal and CE Quick Facts
| Renewal Item | Georgia Requirement |
|---|---|
| License term | Two years |
| Expiration | Last day of licensee’s birth month |
| CE cycle | Biennial |
| Standard CE | 24 hours |
| Ethics CE | 3 hours |
| Long-time licensee CE | 20 hours beginning in 2026 for licensees with more than 20 years of service |
| Renewal platform | Sircon / Georgia licensing system |
The candidate handbook also states that Georgia issues a two-year agent license that expires on the last day of the licensee’s birth month.
Georgia-Specific P&C Licensing Quirks
Georgia P&C Means Property and Casualty Together
Georgia’s resident licensing page lists Property and Casualty and notes that applicants must apply for both under Georgia guidelines. This is one of the most important Georgia-specific details for P&C candidates.
The Required P&C Course Must Be Recent
The candidate handbook lists the P&C education requirement as a 16-hour Property and Casualty course taken within the last 12 months. Do not let your course completion get stale before you test and apply.
Georgia Uses Sircon for Resident Applications
Georgia resident applicants are directed to apply through Sircon. Build your timeline around the Georgia Producer Portal, not a generic assumption from another state.
Fingerprinting Comes After the Application
Georgia says resident producer applicants must apply for the needed license before requesting fingerprinting registration approval. If no application is found, the fingerprint request is denied.
Georgia Law Is a Real Part of the Exam
The Georgia P&C content outline includes state law, unfair trade practices, cancellation and nonrenewal, rate regulation, binders, auto, financial responsibility, assigned risk, workers compensation, and other Georgia-specific rules. Do not treat state law as garnish. It is part of the meal.
How to Study for the Georgia P&C Exam
The Georgia P&C exam is wide. It asks about personal lines, commercial lines, property coverage, casualty coverage, contract provisions, terms, laws, and Georgia-specific rules.
That means your study plan should not be a single-lane road. It should use several learning modes.
Georgia P&C Study Strategy
1. Complete the Required Prelicensing Course First
Use Achievable.me for the required Georgia prelicensing education. Take the course seriously. Georgia requires it, and it gives you the foundation for the exam.
2. Build a Study Calendar
After the course, set a study schedule. Do not just “study when you can.” That phrase eats licensing dreams for breakfast.
A simple plan:
- Days 1 to 2: Review property basics and policy types.
- Days 3 to 4: Review casualty basics and policy types.
- Days 5 to 6: Drill policy provisions and insurance terms.
- Days 7 to 8: Study Georgia laws and rules.
- Days 9 to 10: Take timed practice exams.
- Final 24 hours: Review weak areas and use the Cheat Sheet.
3. Use Practice Questions Early
Do not wait until the night before the exam to discover how questions are written. Practice questions teach you how the exam thinks.
4. Review Missed Questions Carefully
Every missed question is a little flare in the dark. It tells you where to study next.
When you miss a question, ask:
- Did I misread the question?
- Did I confuse two terms?
- Did I know the definition but not the application?
- Was this a Georgia law issue?
- Was this a policy form issue?
- Was I rushing?
5. Drill Georgia Law
Georgia law can be the difference between “almost ready” and “licensed.” Spend time on unfair trade practices, licensing rules, cancellation/nonrenewal, binders, rates, auto rules, workers compensation, and other Georgia-specific topics.
6. Take Timed Practice Exams
Timed practice builds pacing and stamina. The Georgia P&C exam is not just a knowledge test. It is also a focus test.
How TESTivity Helps Georgia P&C Students Prepare
Georgia requires you to complete approved prelicensing education. TESTivity helps you prepare after that course by turning the material into recall, confidence, and exam readiness.
TESTivity Platinum Study Package for Georgia P&C Exam Prep
Study Manual
Use the TESTivity Study Manual to review P&C concepts in plain English after your required course. It helps organize the big topics without making your brain feel like it fell into a filing cabinet.
Exam Simulator
Use the Exam Simulator to practice exam-style questions under timed conditions. This is where you build the muscle of answering questions, not just reading content.
Flashcards
Use Flashcards for terms, provisions, definitions, Georgia law, policy types, exclusions, endorsements, and insurance vocabulary.
Audio Course
Use the Audio Course to reinforce concepts while driving, walking, exercising, or doing chores. Repetition works better when it sneaks into unused corners of your day.
Video Course
Use Video Course lessons when you need a more guided explanation of difficult concepts.
Mind Maps
Use Mind Maps to see how P&C topics connect: property vs. casualty, policy structure, coverage triggers, exclusions, loss settlement, liability, negligence, and state law.
Learning Games
Use Learning Games to make repetition more active. P&C has a lot of vocabulary, and vocabulary is easier to keep when you encounter it repeatedly.
Test Day Cheat Sheet
Use the Cheat Sheet during your final review window. It is built for quick recall, not deep reading.
AI Tutor
Use the AI Tutor when you miss questions or feel stuck. It can explain why the correct answer is right and why the tempting wrong answer is wrong.
Pass Readiness Score
Use the Pass Readiness Score to decide when you are actually ready. Feeling tired of studying is not the same as being exam-ready. The readiness score helps separate the two.
Recommended Georgia P&C Licensing Roadmap
Here is the clean path:
- Confirm that the Georgia P&C license matches the products you want to sell.
- Complete the required Georgia P&C prelicensing education through Achievable.me.
- Use TESTivity to reinforce what you learned.
- Study the official Georgia P&C exam outline.
- Drill practice questions and weak areas.
- Schedule and pass the Pearson VUE P&C exam.
- Apply through Sircon.
- Upload the Citizenship Affidavit and required identification.
- Complete fingerprinting after applying.
- Watch your email and resolve any deficiencies quickly.
- Receive your Georgia P&C license and begin building your career.
Ready to PASS Your Georgia P&C Insurance Exam? Start the TESTivity Platinum Study Package
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Frequently Asked Questions About the Georgia Property and Casualty Insurance License
About This Georgia P&C Insurance License Guide
GetTheLicense.org creates state-specific insurance licensing guides for students preparing to become licensed insurance professionals. Our Georgia licensing pages are built using official state insurance department resources, Pearson VUE materials, Georgia candidate handbooks, and Georgia exam content outlines whenever available.
For Georgia P&C candidates, always confirm current requirements with the Georgia Office of Commissioner of Insurance and Safety Fire, Pearson VUE, Sircon, and the current Georgia Insurance Licensing Candidate Handbook before purchasing education, scheduling an exam, or submitting a license application.
TESTivity provides supplemental insurance exam-prep tools. TESTivity does not replace Georgia’s required prelicensing education.
About the author
Matt Williams
Matt Williams has been teaching insurance pre-licensing curriculum for over 20 years and has helped thousands of people pass their exams on their first attempt. Matt holds Life & Health, Property & Casualty, and Adjuster insurance licenses along with the Series 7, 8, 24, 63, and 65 FINRA/NASAA designations, and the CLU, ChFC, and CFP® professional credentials. He is a certified trainer in adult education and the founder of TESTivity.
The TESTivity Platinum Study Package is built around exactly this map: video lessons weighted to the actual exam outline, mind maps that show how coverage types relate to each other, a full-length exam simulator that mirrors the Georgia Pearson VUE format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Get Your Georgia P&C License?
Your first step is completing Georgia’s required P&C prelicensing education. For that requirement, we recommend Achievable.me.
Once your required course is complete, TESTivity helps you move from “I finished the course” to “I’m ready for the exam.”
Use the TESTivity Platinum Study Package to review Georgia P&C concepts, practice exam-style questions, drill weak areas, reinforce key terms, and prepare for the Georgia Property and Casualty licensing exam with confidence.
Complete the required course. Reinforce with TESTivity. Walk into the Georgia P&C exam ready.
Put yourself on the fast track to pass your Georgia P&C licensing exam with the TESTivity Platinum Study Package
93% pass rate · Video, Mind Maps, Audio, Textbook, Learning Games, Flashcards, Cheat Sheet, Exam Simulator & AI Tutor · Pass guarantee included