Georgia life insurance license exam

Georgia Life Agent · Pearson VUE

The format, what the outline weighs, and 592 practice questions written against Georgia's own exam outline and insurance law.

80scored questions + up to 10 pretest
120minutes
70%to pass — 56 of 80
38%Georgia law sections, by outline weight

How to get a Georgia life insurance license

  1. Check the requirements with the Georgia department of insurance — including whether a pre-licensing course is required for your line.
  2. Book the Georgia Life Agent exam with Pearson VUE and read the current candidate handbook.
  3. Pass the exam56 of 80 scored questions in 120 minutes.
  4. Complete fingerprints and the license application as the state directs, then get appointed by the insurer you will sell for.

The full walkthrough is in how to get a life insurance license.

Three from the Georgia bank. Try them.

Types of Policies

A client asks why return-of-premium term costs more than ordinary level term for the same face amount and period. What is the correct explanation?

Answer and explanation
Answer: D. Return-of-premium term promises to refund the premiums paid if the insured survives the term. That living benefit must be funded in addition to the mortality cost, which is why its premium exceeds plain level term.Source: NAIC Life Insurance Buyer's Guide — Term insurance: return of premium feature and its cost
Types of Policies

What does consumer guidance say happens to the premium when a term policy is renewed?

Answer and explanation
Answer: B. The NAIC Life Insurance Buyer's Guide states that most term coverage can be renewed at the end of the term even if health has changed, and that if a term policy is renewed the new premiums are higher. The guide also advises asking what the premiums will be before renewing and whether the right to renew is lost at a stated age.Source: NAIC — Life Insurance Buyer's Guide — Buyer's Guide page 5, Renewable term
Types of Policies

A policyowner surrenders a 20-year return-of-premium term policy in year 5 and expects the full end-of-term refund. What is the best response?

Answer and explanation
Answer: A. The return-of-premium feature is tied to surviving the specified term and the policy's own conditions. Early surrender does not automatically create the full end-of-term refund.Source: New York State Department of Financial Services — Consumer Life Insurance FAQ — What is a Return of Premium feature? — survive the specified term

Georgia exam questions, answered

How many questions are on the Georgia life insurance exam?

80 scored questions plus up to 10 unscored pretest questions, in 120 minutes. The pretest questions are not identified, so answer every question.

What score do you need to pass the Georgia life insurance exam?

70% of the scored questions — 56 correct out of 80. That leaves room for 24 misses.

Who administers the Georgia life insurance exam?

Pearson VUE. Book through the provider and read its current candidate handbook for ID rules, fees and scheduling.

How much of the Georgia exam is state law?

About 38% by the published outline weights — its sections include the largest single block of the exam. It is the part generic national materials cover least.

Is there a free Georgia life insurance practice test?

Yes — 20 questions from our Georgia bank with explanations and sources, plus a free 10-question check that builds a study plan from your exam date.

Study for Georgia, not for “any state”.

592 questions, mock exams in the real 80-question format, and a plan from your exam date.

Take the free test Practice all 592 Georgia questions

Scan with your iPhone camera

It opens the App Store on your phone — practice fits in the commute and between calls.

Other states: Texas · Florida · New York