Passing the Georgia insurance licensing exam is the final exam-room checkpoint between you and your Georgia insurance career. Whether you are preparing for Property and Casualty, Life, Accident and Sickness, Personal Lines, or another Georgia insurance license exam, you need more than casual review.

You need a plan.

Georgia insurance exams are administered by Pearson VUE, and Georgia candidates use official candidate handbooks and content outlines to understand the exam process and topics. Pearson VUE’s Georgia insurance page provides the candidate handbook, Georgia content outlines, exam information, and registration resources.

Important Georgia note: Georgia requires approved prelicensing education for major resident insurance agent license paths. TESTivity is not Georgia’s required prelicensing course. For the required Georgia prelicensing course, we recommend Achievable.me. After completing that required course, use TESTivity to review, reinforce, practice, and build exam readiness.

Think of the required course as the launchpad. TESTivity is the navigation system that helps you avoid bouncing off the exam like a confused paper airplane. 🛫

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Georgia Insurance Licensing Exam Quick Facts

Item	Georgia Exam Detail
State licensing authority	Georgia Office of Commissioner of Insurance and Safety Fire
Testing vendor	Pearson VUE
Application platform	Sircon / Georgia Producer Portal
Passing score	70%
Exam format	Computer-based
P&C combo exam	12-GA-06 Property & Casualty Agent Combo
P&C combo exam time	2.5 hours
L&H combo exam	12-GA-05 Life/Accident/Sickness Agent Combo
L&H combo exam time	2.5 hours
Common exam fee	$67
Score report	Provided after the exam
Retake wait	14 days after the first two failures; 60 days after the third and later failures
Required ID	Two forms of current signature identification

The Georgia candidate handbook lists the Life/Accident/Sickness Agent Combo exam as 12-GA-05, the Property & Casualty Agent Combo exam as 12-GA-06, and both combo exams as 2.5-hour exams with a $67 exam fee. The handbook also states that candidates need to answer 70% of questions correctly to pass the exam and receive a pass/fail score report after completing the exam.

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Start Here: Georgia Requires Prelicensing Education

Before you treat this like a normal exam-prep page, pause for Georgia’s compliance checkpoint.

Georgia resident applicants must meet licensing requirements based on the class of insurance they want to sell, and resident applicants apply through Sircon.com/georgia. Georgia’s process includes required prelicensing education for major resident agent lines.

That means your study sequence should look like this:

1. Choose your Georgia insurance license path.
2. Complete the required Georgia prelicensing education through Achievable.me.
3. Use TESTivity to review and reinforce the material.
4. Take practice questions and timed exams.
5. Schedule and pass the Pearson VUE licensing exam.
6. Apply through Sircon and complete Georgia’s licensing steps.

TESTivity is built for the exam-prep phase after the required course. It helps you convert course completion into test-day performance.

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Georgia Insurance Exam Options

Georgia offers several insurance licensing exams. The most common exams for new resident agent candidates include:

Exam Code	Exam Name	Exam Length	Exam Fee
12-GA-01	Life Agent	2 hours	$67
12-GA-02	Accident/Sickness Agent	2 hours	$67
12-GA-05	Life/Accident/Sickness Agent Combo	2.5 hours	$67
12-GA-06	Property & Casualty Agent Combo	2.5 hours	$67
12-GA-55	Personal Lines	2 hours	$67

These exam codes, names, lengths, and fees are listed in the Georgia Insurance Licensing Candidate Handbook.

For license-specific process guidance, use these pages:

• Insurance Licensing in Georgia: Complete Guide to License Types and Requirements
• How to Get a Property and Casualty Insurance License in Georgia
• How to Get a Life and Health Insurance License in Georgia

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What Is on the Georgia Insurance Licensing Exam?

The Georgia insurance exam you take depends on the line of authority you are pursuing. The two most common combined exams are:

• Georgia Property and Casualty Agent Combo
• Georgia Life, Accident and Sickness Agent Combo

Georgia’s content outlines are the map. Do not study without them. Pearson VUE says each examination is based on a detailed content outline of topics, subtopics, and references to applicable state laws, statutes, and regulations. The handbook also warns that outlines are updated periodically and candidates should make sure their study program covers the listed topics.

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Georgia Property and Casualty Exam Content

The Georgia Property and Casualty Agent content outline lists 125 scored questions plus 10 pretest questions.

Major Georgia P&C Exam Areas

The Georgia P&C exam includes:

• Property policy types
• Property insurance terms and related concepts
• Property policy provisions and contract law
• Casualty policy types, bonds, and related terms
• Casualty insurance terms and related concepts
• Casualty policy provisions
• Georgia laws, rules, and regulations for all insurance lines
• Georgia rules and codes specific to property insurance
• Georgia rules and codes specific to casualty insurance

Property Topics to Study

The Georgia P&C outline includes property policy types such as homeowners, dwelling policies, commercial property, business income, extra expense, equipment breakdown, businessowners policies, builders risk, cyber first-party coverage, inland marine, National Flood Insurance Program, earthquake, mobile homes, watercraft, farm owners, and windstorm.

You should know how these policies differ, what they cover, what they exclude, and how the exam might describe a loss scenario.

Casualty Topics to Study

The Georgia P&C outline includes casualty areas such as commercial general liability, auto insurance, workers compensation, bonds, professional liability, umbrella and excess coverage, crime, and businessowners liability concepts. It also includes policy provisions such as declarations, insuring agreements, conditions, exclusions, duties after loss, cancellation, nonrenewal, supplementary payments, proof of loss, notice of claim, other insurance, subrogation, settlement, and TRIA.

Georgia Law Topics to Study

Georgia law is not decorative parsley. It is on the plate.

The Georgia P&C outline includes state law topics such as the insurance department and commissioner, producer licensing, license maintenance, revocation, suspension, denial or refusal to renew, unfair trade practices, rebating, defamation, unfair discrimination, misrepresentation, controlled business, advertising, coercion, commingling, fiduciary responsibility, commission sharing, fees, unfair claims practices, and fraud.

The outline also includes P&C-specific Georgia topics such as cancellation and nonrenewal, regulation of rates, binders, Georgia Insurer Solvency Pool, FAIR Plan, automobile insurance rules, uninsured motorists coverage, financial responsibility, assigned risk, and workers compensation.

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Georgia Life, Accident and Sickness Exam Content

The Georgia Life, Accident and Sickness Agent content outline lists 125 scored questions plus 10 pretest questions.

This is the combined exam many students think of as the Georgia Life and Health exam. Georgia commonly uses the official term Accident and Sickness where students may casually say “health.”

Major Georgia Life and Health Exam Areas

The Georgia Life, Accident and Sickness exam includes:

• Life insurance policy types
• Life policy riders, provisions, options, and exclusions
• Completing the application, underwriting, and delivering the policy
• Retirement and other insurance concepts
• Accident and sickness policy types
• Accident and sickness policy provisions
• Federal tax considerations
• Field underwriting procedures
• Georgia laws, rules, and regulations

Life Insurance Topics to Study

Study life policy types such as traditional whole life, limited-pay life, single-premium life, universal life, variable life, term life, group life, joint life, survivorship life, and annuities. The outline also includes policy riders, provisions, options, exclusions, applications, underwriting, delivery, insurable interest, retirement concepts, and tax treatment.

Accident and Sickness Topics to Study

Study disability income, medical expense policies, group health, individual health, limited health, long-term care, Medicare supplement concepts, renewability provisions, required provisions, optional provisions, exclusions, underwriting, policy delivery, and tax considerations.

Georgia Law Topics to Study

Georgia Life and Health candidates should be ready for producer responsibilities, commissioner authority, licensing rules, advertising, unfair and prohibited practices, rebating, defamation, discrimination, misrepresentation, replacement, solicitation and disclosure rules, and guaranty association concepts.

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Why Georgia Insurance Students Fail the Exam

Most students do not fail because they are incapable. They fail because they study in a way that feels productive but does not create exam-ready recall.

1. They Finish the Course but Do Not Keep Studying

Georgia’s required prelicensing course is essential, but finishing the course does not automatically mean you are ready for the Pearson VUE exam.

The exam asks you to apply concepts under pressure. If your study plan ends when the course ends, your knowledge may still be half-baked in the middle.

2. They Read Instead of Practicing

Reading is useful. Reading alone is fragile.

The Georgia insurance licensing exam uses questions. That means you need to practice with questions. Practice questions teach you how the exam words scenarios, hides traps, and tests small differences between similar terms.

3. They Underestimate Georgia Law

Georgia law topics can feel less exciting than policy types, but they matter. Licensing rules, unfair trade practices, cancellation, nonrenewal, fiduciary responsibility, commissioner powers, and state-specific insurance rules can all show up in exam content.

4. They Confuse Similar Terms

The exam loves close cousins:

• Peril vs. hazard
• Cancellation vs. nonrenewal
• Representation vs. warranty
• Actual cash value vs. replacement cost
• Concealment vs. misrepresentation
• Waiver of premium vs. payor benefit
• Elimination period vs. probationary period
• Medicare supplement vs. Medicare Advantage
• Twisting vs. churning
• Rebating vs. illegal inducement

These terms are exam gremlins wearing nearly identical hats.

5. They Take Too Few Timed Exams

Untimed practice builds knowledge. Timed practice builds exam performance.

The real exam has a clock, a testing interface, and pressure. Your study plan should include timed practice before exam day.

6. They Ignore Weak Areas

Studying what you already know feels good. Studying weak areas gets you licensed.

TESTivity’s readiness and weak-area review approach is built around the idea that every missed question is a breadcrumb, not a defeat.

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Georgia Insurance Exam Study Strategy

Step 1: Complete the Required Georgia Prelicensing Course

Use Achievable.me for the required Georgia prelicensing education. Take the course seriously, complete the required material, and keep notes on topics that feel confusing.

Step 2: Download or Review the Official Content Outline

Use the Georgia content outline as your checklist. The outline tells you what broad topic families can appear on the exam. Pearson VUE’s Georgia page links candidates to the official content outlines and candidate handbook.

Step 3: Divide the Exam Into Study Blocks

Do not study “insurance” as one giant blob. Break it apart.

For P&C candidates:

• Property policies
• Property terms
• Property provisions
• Casualty policies
• Casualty terms
• Casualty provisions
• Georgia law
• Georgia P&C-specific rules

For Life and Health candidates:

• Life policy types
• Riders and provisions
• Underwriting and applications
• Annuities and retirement concepts
• Health policy types
• Health provisions
• Federal tax considerations
• Georgia law

Step 4: Use Active Recall Every Day

Active recall means you force your brain to retrieve information without staring at the answer.

Use:

• Flashcards
• Practice questions
• Fill-in-the-blank review
• Teach-back summaries
• Mind maps
• Missed-question review

Passive reading is a hammock. Active recall is the gym.

Step 5: Take Practice Exams Under Timed Conditions

The Georgia handbook lists the combo P&C and Life/Accident/Sickness exams as 2.5 hours each. Your practice routine should include timed sessions so the exam-day clock feels familiar instead of predatory.

Step 6: Review Every Missed Question

When you miss a question, do not simply memorize the right answer.

Ask:

• Did I misread the question?
• Did I confuse two terms?
• Did I know the definition but not the application?
• Was this Georgia law?
• Was this a policy form issue?
• Was this a timing issue?
• Did I eliminate the correct answer by mistake?

This turns every missed question into a tiny tutor.

Step 7: Use the Final 24 Hours Wisely

The final 24 hours should not be a wild cram-festival. Use that time for:

• High-value review
• Weak areas
• Flashcards
• Georgia law
• Policy provisions
• Timed mini-quizzes
• Test-day logistics
• Sleep

The final day is for sharpening, not rebuilding the entire airplane while already on the runway.

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TESTivity Platinum Study Package for Georgia Insurance Exam Prep

Georgia candidates need to complete the required prelicensing course first. After that, TESTivity helps you prepare for the actual exam experience.

The TESTivity Platinum Study Package is designed for students who want a complete, multi-modal exam-prep system instead of a single textbook and a nervous wish.

Why TESTivity Works After Georgia Prelicensing

TESTivity helps students:

• Review the material in plain English.
• Practice exam-style questions.
• Drill weak areas.
• Reinforce vocabulary.
• Study through audio and video.
• Use visual learning tools.
• Build test-day stamina.
• Track readiness before exam day.
• Get explanations when answers do not make sense.

Insurance exams reward repetition, pattern recognition, and quick recall. TESTivity gives your brain more than one doorway into the material.

Tool-by-Tool Study Method

1. Study Manual: Rebuild the Foundation

Use the TESTivity Study Manual after your required course to review the key ideas in a clean, organized format.

For Georgia P&C, use it to review policy types, property terms, casualty provisions, auto, workers compensation, and Georgia law.

For Georgia Life and Health, use it to review life policy types, riders, provisions, underwriting, annuities, disability income, health policies, long-term care, and Georgia law.

2. Exam Simulator: Practice the Way You Will Be Tested

The Georgia insurance licensing exam is computer-based, and Pearson VUE administers the exams. The handbook confirms candidates take the exam through a testing interface and receive a score report after completion.

Use the TESTivity Exam Simulator to practice timed questions, build stamina, and get comfortable making decisions under pressure.

3. Flashcards: Turn Vocabulary Into Recall

Insurance exam vocabulary is dense. Flashcards help you drill terms until they become automatic.

Use flashcards for:

• Policy types
• Riders
• Exclusions
• Conditions
• Definitions
• Georgia laws
• Unfair trade practices
• Health provisions
• Property and casualty terms

Flashcards are not glamorous. They are useful. That is better.

4. Audio Course: Use Repetition Without Being Chained to a Desk

The TESTivity Audio Course helps you reinforce ideas while driving, walking, exercising, or doing chores.

Audio is especially helpful for:

• Repeating definitions
• Hearing policy distinctions
• Reviewing state law
• Reinforcing weak topics
• Keeping momentum when your eyes are tired

5. Video Course: Get Guided Explanations

Some insurance topics need more than a paragraph. Video explanations can help when a concept feels tangled.

Use video for:

• Annuities
• Life policy riders
• Health renewability provisions
• Liability concepts
• Property loss settlement
• Workers compensation
• Georgia law topics

6. Mind Maps: See How Topics Connect

Mind maps help you organize insurance concepts visually.

Use mind maps to connect:

• Property policies to covered losses
• Casualty policies to liability exposures
• Life policies to riders and provisions
• Health policies to benefits and limitations
• Georgia laws to producer conduct rules

This is especially useful when the material feels like a drawer full of loose cables.

7. Learning Games: Make Repetition Less Painful

Learning games help turn review into active recall. They are especially useful for vocabulary-heavy content.

Use them for:

• Key terms
• Policy names
• State law concepts
• Exam traps
• Definitions
• Acronyms and memory hooks

8. Test Day Cheat Sheet: Final 24-Hour Review

The Test Day Cheat Sheet gives you a focused final review tool.

Use it to revisit:

• Commonly confused terms
• Georgia law
• High-frequency policy provisions
• Exam-day reminders
• Last-minute weak areas

9. AI Tutor: Get Help When You Miss Questions

The AI Tutor helps explain confusing topics, missed questions, and tempting wrong answers.

Use it when you ask:

• Why is this answer correct?
• Why is my answer wrong?
• What is the difference between these two terms?
• How should I remember this?
• What topic should I review next?

10. Pass Readiness Score: Know When You Are Ready

The Pass Readiness Score helps students avoid two exam-day traps:

• Testing too early because they are tired of studying.
• Studying forever because they do not know when they are ready.

A readiness score gives your prep a target. No fog machine required.

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Recommended Georgia Study Plan

10-Day Georgia Insurance Exam Study Plan

Day 1: Organize the Exam

Review the official content outline. Identify your exam type and build your topic checklist.

Day 2: Review Core Concepts

Use the Study Manual to review the broad concepts: contracts, risk, policy structure, underwriting, and Georgia law basics.

Day 3: Study Policy Types

P&C candidates should review property and casualty policy types. Life and Health candidates should review life policies, annuities, health policies, disability income, and long-term care.

Day 4: Drill Provisions and Exclusions

Focus on policy provisions, exclusions, conditions, endorsements, riders, renewability, and claim duties.

Day 5: Study Georgia Law

Review licensing rules, commissioner authority, unfair trade practices, fiduciary responsibility, misrepresentation, rebating, advertising, cancellation, nonrenewal, and Georgia-specific rules.

Day 6: Flashcards and Audio Review

Use flashcards and audio lessons to reinforce vocabulary and weak areas.

Day 7: First Timed Practice Exam

Take a full timed practice exam or a timed exam-style session. Review every missed question.

Day 8: Weak Area Repair

Use your missed questions to choose review topics. Study only what needs repair.

Day 9: Second Timed Practice Exam

Take another timed practice exam. Compare results to Day 7 and focus on improvement.

Day 10: Final 24-Hour Review

Use the Cheat Sheet, flashcards, and missed-question review. Confirm test-day logistics. Sleep like a responsible future licensee.

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Test-Day Tips for the Georgia Insurance Licensing Exam

Arrive Early

The Georgia candidate handbook says candidates should report to the test center 30 minutes before the examination.

Bring the Correct Identification

Georgia candidates must present two forms of current signature identification. The name on the identification must exactly match the registration. The primary ID must be government-issued, photo-bearing, and include a signature; the secondary ID must contain a valid signature.

Answer Every Question

The Georgia handbook says exam scores are based on the number of questions answered correctly and that there is no penalty for incorrect answers. If you are uncertain, provide an answer rather than leaving it blank.

Know the Retake Rules

The Georgia handbook states that a candidate who fails an exam can schedule a new exam within one day but must wait 14 days after the first and second failed attempts. After the third and later failed attempts, the wait is 60 days. It also says there is no limit on the number of attempts for the same exam.

Do Not Bring Prohibited Materials

Pearson VUE exam rules prohibit exam notes, study guides, phones, and other unauthorized materials in the testing room unless specifically allowed. Candidates who engage in misconduct may be dismissed and reported to the state licensing agency.

Read the Question Before Choosing the Answer

Insurance exam questions often turn on a small word: first, best, except, not, required, optional, covered, excluded.

Tiny words can carry big point-stealing boots.

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Official Georgia Insurance Exam Resources

Use these official resources when preparing for the Georgia insurance licensing exam:

Georgia Office of Commissioner of Insurance and Safety Fire

Use Georgia OCI for licensing rules, resident application instructions, fingerprinting guidance, renewals, continuing education, and official state updates.

Pearson VUE Georgia Insurance Page

Use Pearson VUE’s Georgia insurance page for exam registration, candidate handbook access, content outlines, exam information, and test center resources.

Georgia Insurance Licensing Candidate Handbook

Use the candidate handbook for exam codes, exam fees, exam-day rules, score reporting, ID requirements, retake rules, and licensing process information.

Georgia Insurance Content Outlines

Use the content outlines to see the topics and subtopics tested on Georgia insurance licensing exams. The Georgia outline includes detailed sections for Life, Accident and Sickness, Life/Accident/Sickness, Property, Casualty, Property and Casualty, Personal Lines, Adjuster, and other exams.

Sircon Georgia Producer Portal

Georgia resident applicants apply through Sircon. Georgia OCI says resident applicants must apply through the state licensing platform.

Georgia Fingerprinting Instructions

Georgia OCI says resident producers and DHS applicants must apply for the needed license before requesting fingerprinting registration approval. If no application is found, the fingerprint request will be denied.

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Frequently Asked Questions About the Georgia Insurance Licensing Exam

About This Georgia Insurance License Exam Prep Guide

GetTheLicense.org creates state-specific insurance licensing guides for students preparing to become licensed insurance professionals. Our Georgia exam-prep content is built using official Georgia insurance department information, Pearson VUE candidate handbook materials, and Georgia insurance content outlines whenever available.

Students should always confirm current licensing, exam, fingerprinting, education, and application 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 applying for a license.

TESTivity provides supplemental exam-prep tools. TESTivity does not replace Georgia’s required prelicensing education.