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Georgia Life & Accident and Sickness practice test

Free 20-question diagnostic for the Georgia Life, Accident and Sickness exam, scored by section with every answer explained.

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2.5 hcombined Life / Accident / Sickness exam
2 hLife Agent exam alone
$67exam fee
24 hCE every two years, 3 in ethics

The exams

Georgia offers a Life Agent exam (2 hours), an Accident/Sickness Agent exam (2 hours) and a combined Life/Accident/Sickness exam (2.5 hours), each for a $67 fee, through Pearson VUE. A pre-licence education course is required before you sit the exam.

What makes Georgia different

Georgia elects its Commissioner, who also serves as Safety Fire Commissioner and Industrial Loan Commissioner. After licensing, agents complete 24 hours of continuing education every two years — 20 hours once they have more than 20 years of service — with three hours of ethics in both cases.

Sample questions

Four questions from the Retake Plan bank. Open each one to see the answer and the reasoning.

The Georgia Insurance Commissioner obtains office by:
  1. Appointment by the Governor
  2. Statewide election to a four-year term
  3. Appointment by the General Assembly
  4. Selection by the insurance industry

Answer: B. Statewide election to a four-year term Georgia elects its Commissioner statewide for four years, as does California. Texas by contrast appoints — this is exactly the kind of difference a state module exists to teach.

A Georgia producer licensed for fewer than 20 years must complete continuing education totalling:
  1. 12 hours every year
  2. 20 hours every two years
  3. 24 hours every two years
  4. 40 hours every two years

Answer: C. 24 hours every two years Twenty-four hours in the first twenty years of licensure, dropping to twenty thereafter. Note how the step-down threshold differs from Florida's, which sits at six years.

Offering a Georgia prospect an inducement not specified in the policy, such as a share of commission, is:
  1. Permitted if both parties agree
  2. Rebating, which is prohibited
  3. Permitted below a stated amount
  4. Permitted for group business only

Answer: B. Rebating, which is prohibited Rebating is prohibited because it means identical coverage is sold at different effective prices. The prohibition typically reaches the recipient as well as the agent.

Inducing a Georgia policyholder to surrender existing coverage through incomplete or misleading comparisons is:
  1. Twisting
  2. Sliding
  3. Churning
  4. Commingling

Answer: A. Twisting The misleading comparison defines twisting. Sliding is best known as a Florida statutory term for passing off an extra product as legally required — it sits here as a distractor that catches candidates who studied more than one state.

See which sections are costing you points. Twenty questions, about eight minutes, scored by section — free, no signup to start.

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Common questions

How long is the Georgia Life, Accident and Sickness exam?

The combined exam (12-GA-05) is 2.5 hours; the separate Life Agent and Accident/Sickness Agent exams are 2 hours each, per the Georgia candidate handbook.

Is a pre-licence course required in Georgia?

Yes. The candidate handbook lists completion of pre-licence education among the requirements for a resident agent licence.

How much continuing education does Georgia require?

24 hours every two years, or 20 hours after more than 20 years of service, including three hours of ethics.

Sources: Georgia Insurance Licensing Candidate Handbook, Pearson VUE; Office of the Commissioner of Insurance and Safety Fire, continuing education. Retake Plan is an independent study resource, not affiliated with any state insurance department, Pearson VUE or PSI.

Other states: Texas · Florida · California · New York