Get Your Georgia Life and Health Insurance License and Start Serving Clients in The Peach State
If you want to sell life insurance, accident and sickness insurance, health insurance, disability income, annuities, long-term care, Medicare-related products, or similar coverage in Georgia, you need the proper insurance license before you can legally transact insurance.
The Georgia life and health insurance license path is one of the most popular routes for new insurance agents because it can lead to careers in individual insurance, employee benefits, Medicare sales, financial services, agency work, and independent insurance production.
Georgia requires candidates to complete approved prelicensing education, pass the appropriate licensing exam, apply through Sircon, submit citizenship and identity documentation, and complete fingerprinting. Georgia insurance exams are administered by Pearson VUE, and Georgia resident applicants apply through the state’s licensing system of record, Sircon.
Important Georgia note: TESTivity is not Georgia’s required prelicensing course. For the required Georgia prelicensing education, we recommend Achievable.me. After you complete the required course, TESTivity helps you review, reinforce, and practice for the Georgia Life and Health licensing exam.
How Georgia Life and Health Licensing Works
Georgia uses a structured licensing process for resident insurance agent applicants. For Life and Health candidates, this usually means selecting the right line of authority, completing the required prelicensing course, passing the correct Pearson VUE exam, applying through Sircon, and completing fingerprinting.
Georgia’s official resident licensing page lists Life, Accident and Sickness, and a combined Life, Accident and Sickness path. It also states that candidates pursuing both lines may take a Life, Accident and Sickness course and a Life, Accident and Sickness combination examination.
That combined route is what many people mean when they talk about getting a Georgia life and health insurance license. Georgia uses the term Accident and Sickness where many students casually say “health.” So when you see “Life, Accident and Sickness,” think of the common Life and Health licensing path.
The process is manageable, but it has several moving parts. The licensing path is less like one giant wall and more like a hallway full of locked doors. You just need the right key for each one.
Georgia Life and Health License Quick Facts
| Item | Georgia L&H Requirement |
|---|---|
| License path | Life, Accident and Sickness |
| 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 |
| Common combined exam | Life/Accident/Sickness Agent Combo |
| Common combined exam code | 12-GA-05 |
| Common combined exam time | 2.5 hours |
| Common exam fee | $67 |
| Common license/application fee | $100 license fee plus $20 processing fee |
| Fingerprints required? | Yes, for resident applicants |
| Renewal cycle | Two years |
| Renewal deadline | Last day of licensee’s birth month |
| Standard CE requirement | 24 hours every biennium, including 3 ethics hours |
The Georgia Insurance Licensing Candidate Handbook lists the Life/Accident/Sickness Agent Combo exam as exam code 12-GA-05, with a 2.5-hour testing time and a $67 exam fee. The same handbook lists many major agent licenses with a $100 license fee plus a $20 processing fee.
5 Steps to Get a Georgia Life and Health Insurance License
Step 1: Choose Your Georgia Life and Health License Path
Before you register for a course or exam, decide whether you want one line of authority or the combined path.
Georgia lists these related options:
- Life
- Accident and Sickness
- Life, Accident and Sickness combination
If you only plan to sell life insurance products, the Life-only route may fit. If you only plan to sell accident and sickness or health-related products, the Accident and Sickness route may fit. If you want the broadest common Life and Health path, the combined Life, Accident and Sickness route is usually the practical choice.
For a broader overview of Georgia license types, visit Insurance Licensing in Georgia: Complete Guide to License Types and Requirements.
Step 2: Complete Georgia’s Required Prelicensing Education
Georgia requires prelicensing education for Life and Accident and Sickness candidates. Georgia OCI’s resident licensing page lists completion of a Life prelicensing course for Life candidates and completion of an Accident and Sickness prelicensing course for Accident and Sickness candidates. It also says a Life, Accident and Sickness course is offered for candidates pursuing both lines of authority.
Because Georgia requires approved prelicensing education, you should complete that course before using supplemental exam-prep tools.
Recommended required course: Achievable.me
Recommended post-course exam prep: TESTivity
Your required course gets you eligible and gives you the foundation. TESTivity helps you transform that foundation into working exam knowledge through practice questions, flashcards, audio review, mind maps, learning games, exam simulation, and AI-guided review.
Why the Required Course Is Only the Beginning
A prelicensing course is essential, but it is not the same thing as being test-ready. Many students finish the course and still struggle because they have not practiced the material enough.
Common Life and Health exam problems include:
- Confusing term life, whole life, universal life, and variable products.
- Mixing up policy riders and provisions.
- Forgetting annuity accumulation and payout concepts.
- Confusing health policy renewability provisions.
- Misreading Medicare supplement and long-term care questions.
- Underestimating Georgia insurance laws and unfair trade practices.
- Taking too few timed practice exams.
- Memorizing definitions without learning how exam questions apply them.
The Georgia Life and Health exam rewards repetition, organization, and active recall. Reading alone is usually too passive. You need to wrestle the concepts a little.
Why Exam Prep Matters in Georgia
The Georgia L&H 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 Life and Health Licensing Exam
Georgia insurance licensing exams are administered by Pearson VUE. Pearson VUE’s Georgia insurance page provides exam registration, test information, handbooks, applications, and forms for Georgia insurance candidates.
If you are pursuing the combined Life and Health route, the common exam is the Life/Accident/Sickness Agent Combo exam.
Georgia Life and Health Exam Quick Facts
| Exam Detail | Georgia L&H Information |
|---|---|
| Common combined exam | Life/Accident/Sickness Agent Combo |
| Exam code | 12-GA-05 |
| Testing vendor | Pearson VUE |
| Exam length | 2.5 hours |
| Exam fee | $67 |
| Format | Computer-based |
| Score report | Provided after testing |
| Best prep strategy | Required course plus focused practice and review |
The Georgia candidate handbook lists the Life Agent exam, Accident/Sickness Agent exam, and Life/Accident/Sickness Agent Combo exam among the available Georgia licensing exams.
For a focused exam-prep plan, visit How to Pass the Insurance Licensing Exam in Georgia.
Step 4: Apply for Your Georgia Life and Health License Through Sircon
After completing your required education and passing the appropriate exam, you will apply for your Georgia insurance license through Sircon.
Georgia’s Agents & Agency Licensing page says all resident applicants must apply through the state’s licensing system of record, Sircon.com/georgia, so applicants can upload documents and communicate more easily.
Georgia’s resident licensing page also tells applicants to gather all needed information, documentation, and requirements before applying. Georgia may require documents such as citizenship and identity materials as part of the licensing process.
Before You Apply, Gather:
- Your legal name and personal information.
- Your prelicensing course completion details.
- Your Pearson VUE exam information.
- Citizenship and identity documentation.
- Payment method for application and processing fees.
- Any required supporting documents.
- Access to your email so you can monitor Georgia OCI notices.
Sircon is not just a payment page. It is where Georgia collects and manages your resident application materials, so be careful with names, dates, uploads, and contact information.
Step 5: Complete Fingerprinting and Watch for Application Updates
Georgia resident producer applicants must complete fingerprinting, but the order matters.
Georgia OCI says resident producers and DHS applicants must first apply for the needed license before requesting fingerprinting registration approval. If no application is found, the fingerprinting request will be denied, and the applicant must apply in Sircon before requesting fingerprinting approval.
Georgia Fingerprinting Tips
- Apply through Sircon first.
- Follow Georgia OCI’s current fingerprinting instructions.
- Use the correct fingerprinting process for insurance licensing.
- Watch for fingerprint vendor emails.
- Keep receipts and confirmations.
- Respond quickly if Georgia sends a deficiency notice.
This is a classic licensing trapdoor: the step is simple, but the order matters. Get the order wrong and the process starts chewing calendar days.
Georgia Life and Health Exam Details
The Georgia Life and Health exam tests both national insurance concepts and Georgia-specific laws, rules, and regulations. Students often find the Life and Health side deceptively broad because it blends contract law, policy design, underwriting, taxation, health insurance structures, consumer protections, and state licensing rules.
What Is on the Georgia Life and Health Exam?
The Georgia Life, Accident and Sickness exam outline includes topics such as life insurance policy types, policy riders, provisions, options, exclusions, application procedures, underwriting, policy delivery, retirement concepts, accident and sickness policies, disability income, medical expense insurance, group insurance, long-term care, Medicare supplement concepts, federal tax considerations, field underwriting, and Georgia insurance law.
Georgia’s Life, Accident and Sickness pathway also includes Georgia-specific laws, rules, and regulations that apply to insurance producers and insurance transactions.
Life Insurance Topics
Expect to study:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Variable life concepts
- Survivorship life
- Joint life
- Group life
- Policy riders
- Beneficiary designations
- Settlement options
- Nonforfeiture options
- Dividend options
- Policy loans
- Grace periods
- Reinstatement
- Misstatement of age or sex
- Incontestability
- Suicide exclusions
Accident and Sickness / Health Topics
Expect to study:
- Disability income insurance
- Medical expense insurance
- Limited health policies
- Group health insurance
- Individual health insurance
- Long-term care
- Medicare supplement concepts
- Policy renewability
- Exclusions and limitations
- Coordination of benefits
- Probationary periods
- Elimination periods
- Benefit periods
- Uniform required provisions
- Optional provisions
- Health underwriting concepts
Georgia Law Topics
Georgia law questions may include:
- Licensing rules
- Commissioner authority
- Producer responsibilities
- Unfair trade practices
- Rebating
- Misrepresentation
- False advertising
- Defamation
- Unfair discrimination
- Controlled business
- Fiduciary responsibility
- Commingling
- Claims practices
- Fraud
- License suspension, revocation, or denial
Do not treat Georgia law as an afterthought. State law can feel like the “small section” until it starts stealing points in broad daylight.
Georgia Life and Health License Fees
Georgia fees can change, so always confirm current fees with Georgia OCI, Sircon, and Pearson VUE before applying.
The Georgia Insurance Licensing Candidate Handbook lists many major agent license categories with a $100 license fee and a $20 processing fee. It also lists several Georgia insurance exam fees, including the Life/Accident/Sickness Agent Combo exam, at $67.
| Fee Type | Common Georgia L&H Amount |
|---|---|
| License fee | $100 |
| Processing fee | $20 |
| Pearson VUE exam fee | $67 |
| Fingerprinting/background check | Separate cost |
| Required prelicensing education | Varies by provider |
| Supplemental exam prep | Optional, but strongly recommended |
Because Georgia requires prelicensing education, your budget should include both the required course and exam-prep support. Use Achievable.me for the required course, then use TESTivity for post-course study reinforcement.
Fingerprint and Background Check Requirements
Georgia requires resident producer applicants to complete fingerprinting as part of the licensing process. Georgia’s instructions say applicants must apply for the insurance producer license in Sircon before requesting fingerprinting registration approval. If no application is found, the fingerprint registration request will be denied.
What This Means for Georgia Life and Health Applicants
Use this order:
- Complete the required prelicensing education.
- Pass the correct Pearson VUE exam.
- Submit your Georgia license application through Sircon.
- Request fingerprinting registration approval.
- Complete fingerprinting.
- Watch email for updates.
Do not assume fingerprinting is a floating task you can complete whenever convenient. Georgia ties it to your submitted application.
Georgia Life and Health License Application Process
Georgia resident applicants use Sircon for licensing. Georgia’s Agents & Agency Licensing page says all resident applicants must apply through Sircon.com/georgia.
Application Checklist
Before applying, make sure you have:
- Completed the required Georgia Life and/or Accident and Sickness prelicensing education.
- Passed the appropriate Georgia licensing exam.
- Prepared any required citizenship and identity documentation.
- Gathered course and exam information.
- Reviewed Georgia OCI’s current instructions.
- Prepared payment for licensing fees.
- Planned for fingerprinting after the application.
After Applying
After submitting your application:
- Upload required documents.
- Follow fingerprinting instructions.
- Watch for emails from Georgia OCI, Sircon, or the fingerprint vendor.
- Respond quickly to deficiencies.
- Keep records of payment, exam completion, course completion, application submission, and fingerprinting confirmation.
Georgia licensing is not the place to rely on memory scraps. Save your confirmations and treat each document like it might need to testify later.
Renewal and Continuing Education for Georgia Life and Health Agents
After you receive your Georgia Life and Health license, you must renew it and complete continuing education.
Georgia OCI says resident licensees must complete continuing education every other year by the last day of the licensee’s birth month. OCI’s CE page lists the standard requirement for resident licensees with less than 20 years of service as 24 hours, including 3 hours in ethics. Beginning in 2026, licensees with more than 20 years of service receive a 4-hour reduction, resulting in 20 required hours, including 3 ethics hours.
Georgia Renewal and CE Quick Facts
| Renewal Item | Georgia Requirement |
|---|---|
| License term | Two years |
| Renewal deadline | Last day of licensee’s birth month |
| 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 |
| CE cycle | Biennial |
| Renewal system | Georgia licensing portal / Sircon |
Georgia-Specific Life and Health Licensing Quirks
Georgia Uses “Accident and Sickness” Language
Many students search for “health insurance license,” but Georgia’s official licensing terminology commonly uses Accident and Sickness. When you are reviewing official materials, look for Life, Accident and Sickness, and Life/Accident/Sickness language.
Georgia Offers a Combined Life, Accident and Sickness Route
Georgia OCI says candidates may pursue both lines through a Life, Accident and Sickness course and a Life, Accident and Sickness combination examination.
Georgia Resident Applicants Use Sircon
Georgia resident applicants apply through Sircon, the state’s licensing system of record.
Fingerprinting Comes After the Application
Georgia requires applicants to apply first, then request fingerprinting registration approval. If no application is found, the fingerprinting request may be denied.
Continuing Education Is Tied to the Birth Month Renewal Cycle
Georgia CE must be completed every other year by the last day of the licensee’s birth month.
How to Study for the Georgia Life and Health Exam
The Georgia Life and Health exam covers a lot of ground. It asks you to understand policy types, contract provisions, underwriting, federal tax considerations, health insurance structures, disability income, long-term care, Medicare supplement concepts, and Georgia insurance law.
That is too much material for casual skimming. You need a study plan that turns recognition into recall.
Georgia Life and Health Study Strategy
1. Complete the Required Prelicensing Course First
Use Achievable.me for the required Georgia prelicensing education. Take notes, complete the course activities, and identify topics that feel fuzzy.
2. Review the Big Buckets
After the course, divide the material into manageable categories:
- Life insurance basics
- Life policy types
- Life riders and provisions
- Annuities and retirement concepts
- Health insurance basics
- Disability income
- Medical expense insurance
- Group health
- Long-term care
- Medicare supplement concepts
- Underwriting and applications
- Georgia laws and rules
3. Start Practice Questions Early
Do not wait until the end of your study plan to begin practice questions. Questions reveal whether you understand the material well enough to apply it.
4. Study Missed Questions Like Clues
When you miss a question, do not just memorize the correct answer. Ask why you missed it.
Was it vocabulary?
Was it a rider?
Was it a provision?
Was it Georgia law?
Was it a health policy structure?
Was it a question wording trap?
Every missed question is a study map with a tiny red X on it.
5. Drill Similar Terms
Life and Health exams love similar-sounding concepts. Spend extra time on:
- Warranty vs. representation
- Twisting vs. churning
- Grace period vs. free-look period
- Waiver of premium vs. payor benefit
- Accidental death benefit vs. disability income
- Elimination period vs. probationary period
- Medicare supplement vs. Medicare Advantage
- Tax-qualified vs. nonqualified plans
- Revocable vs. irrevocable beneficiary
6. Take Timed Practice Exams
Timed practice helps you build pacing, focus, and stamina. It also helps you reduce the little panic-buzz that can appear when the real exam clock starts ticking.
Recommended Georgia Life and Health Licensing Roadmap
Here is the clean path:
- Decide whether you want Life only, Accident and Sickness only, or the combined Life, Accident and Sickness path.
- Complete the required Georgia prelicensing education through Achievable.me.
- Use TESTivity to reinforce what you learned.
- Study the official exam topics and Georgia law.
- Drill flashcards and practice questions.
- Take timed practice exams.
- Schedule and pass the Pearson VUE licensing exam.
- Apply through Sircon.
- Submit required documentation.
- Complete fingerprinting after applying.
- Watch email and resolve deficiencies quickly.
- Receive your Georgia Life and Health license and begin building your career.
Frequently Asked Questions About the Georgia Life and Health Insurance License
About This Georgia L&H 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, candidate handbook information, and Georgia licensing guidance whenever available.
For Georgia Life and Health 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 Life and Health License?
Your first step is completing Georgia’s required prelicensing education. For that requirement, we recommend Achievable.me.
Once your required course is complete, TESTivity helps you move from “I completed the course” to “I’m ready for the exam.”
Use the TESTivity Platinum Study Package to review Georgia Life and Health concepts, practice exam-style questions, drill weak areas, reinforce key terms, and prepare for the Georgia Life, Accident and Sickness licensing exam with confidence.
Complete the required Georgia course. Reinforce with TESTivity. Walk into the Life and Health exam ready.
📋 Official Georgia Insurance Licensing Resources
To ensure absolute accuracy when registering for your exam and filing your application, we recommend utilizing these official state materials alongside your TESTivity Platinum Study Package.
Instant PDF Downloads
-
Georgia Insurance Candidate Handbook (PDF)
Direct mirror hosted by GetTheLicense.org -
Georgia Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting
Official Portals & Live Verification
-
Georgia Office of Commissioner of Insurance
For resident agent regulations and fee schedules -
Pearson VUE Georgia Insurance Licensing Page
To schedule your exam, find test centers, or check live updates