Georgia Life and Health Insurance Agent Exam

Need of a License: An individual who is acting as an agent or producer needs a license to sell life and health insurance in Georgia.

Who Grants a License: Licenses are granted by the Georgia Office of Insurance.

Qualifications to receive a License: Georgia residents desiring any type of insurance license must:
 
1. Complete all pre-licensing education (20-hour Life course and 20-hour Accident and Sickness course taken within last 12 months).
2. Make a reservation and pay examination fee.
3. Pass the examination.
4. Apply for a license.
 
Applying for the Agent Exam:  The State of Georgia utilizes Pearson VUE to develop and administer its insurance licensing examination program. Pearson VUE is a leading provider of assessment services to regulatory agencies and national associations. Online registration can be completed at www.pearsonvue.com/ga/insurance. It is highly recommended that the Georgia Insurance Licensing Candidate Handbook be reviewed, and special attention be given to the content outlines (available at www.pearsonvue.com), before taking an examination.
 
Candidates may also call Pearson VUE at (800) 274-0488 to make an exam reservation by phone.
 
Test Information: When candidates complete the examination, they will receive a score report marked Candidates who pass the examination will receive a score report that includes information on how to apply for a license. Candidates who fail the examination will receive a score report that includes a diagnostic score report. The passing score for all examinations is 70%. The Georgia Insurance Licensing Candidate Handbook contains specific content information beyond the following general outlines:
 
GEORGIA LIFE AGENT CONTENT OUTLINE (80 scoreable questions plus 20 pretest questions)
 
I. TYPES OF POLICIES (13)
A. Traditional whole life products
B. Interest/market-sensitive life products
C. Term life
D. Annuities
E. Combination plans and variations
 
II. POLICY RIDERS, PROVISIONS, OPTIONS, AND EXCLUSIONS (29)
A. Policy riders
B. Policy provisions and options
C. Policy exclusions
 
III. COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICY (17)
A. Completing the application
B. Underwriting
C. Delivering the policy
 
IV. TAXES, RETIREMENT, AND OTHER INSURANCE CONCEPTS (11)
A. Third-party ownership
B. Group life insurance
C. Retirement plans
D. Life insurance needs analysis/suitability
E. Social Security benefits and taxes
F. Tax treatment of insurance premiums, proceeds, and dividends
 
V. STATE LAWS, RULES, AND REGULATIONS (10)
A. Georgia laws, rules, and regulations pertinent to Life and Accident & Sickness insurance
B. Georgia laws, rules, and regulations pertinent to Life Insurance only
 
GEORGIA ACCIDENT AND SICKNESS AGENT CONTENT OUTLINE (80 scoreable questions plus 20 pretest questions)
 
I. TYPES OF POLICIES (20)
A. Disability income
B. Accidental death and dismemberment
C. Medical expense insurance
D. Medicare supplement policies
E. Group insurance
F. Long Term Care (LTC)
G. Cancer (for special diseases) plans
H. Critical illness plans
I. Worksite (employer-sponsored) Plans
 
II. POLICY PROVISIONS, CLAUSES, AND RIDERS (28)
A. Mandatory provisions
B. Optional provisions
C. Other provisions and clauses
D. Riders
E. Rights of renewability
 
III. SOCIAL INSURANCE (4)
 A. Medicare
 B. Medicaid
 C. Social Security benefits
 
IV. OTHER INSURANCE CONCEPTS (5)
 A. Total, partial, and residual disability
 B. Owner’s rights
 C. Dependent children benefits
 D. Primary and contingent beneficiaries
 E. Modes of premium payments
 F. Nonduplication and coordination of benefits
 G. Occupational vs. nonoccupational
 H. Tax treatment of premiums and proceeds of insurance contracts
 I. Managed care
 J. Workers Compensation
 K. Subrogation
 
V. FIELD UNDERWRITING PROCEDURES (13)
 A. Completing application and obtaining necessary signatures
 B. Explaining sources of insurability information
 C. Initial premium payment and receipt and consequences of the receipt
 D. Submitting application
 E. Assuring delivery of policy and related documents to client
 F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
 G. Replacement
 H. Contract law
 
VI. STATE LAWS, RULES, AND REGULATIONS (10)
 A. Georgia laws, rules, and regulations pertinent to Life and Accident & Sickness insurance
 B. Georgia laws, rules, and regulations pertinent to Accident & Sickness insurance only
 
GEORGIA LIFE, ACCIDENT AND SICKNESS AGENT CONTENT OUTLINE (80 scoreable questions plus 20 pretest questions)
 
I. LIFE: TYPES OF POLICIES (6)
 A. Traditional whole life products
 B. Interest-sensitive life products
 C. Term life
 D. Annuities
 E. Combination plans and variations
 
II. LIFE: POLICY RIDERS, PROVISIONS, OPTIONS, AND EXCLUSIONS (15)
 A. Policy riders
 B. Policy provisions and options
 C. Policy exclusions
 
III. LIFE: COMPLETING THE APPLICATION, UNDERWRITING, AND DELIVERING THE POLICY (8)
 A. Completing the application
 B. Underwriting
 C. Delivering the policy
 D. Do Not Call List
 
IV. LIFE: TAXES, RETIREMENT, AND OTHER INSURANCE CONCEPTS (6)
 A. Third-party ownership
 B. Group life insurance
 C. Retirement plans
 D. Business insurance
 E. Social Security benefits and taxes
 F. Tax treatment of insurance premiums, proceeds, dividends
 G. Accelerated Death Benefits—Living Benefits
 H. Endowments
 
V. ACCIDENT & SICKNESS: TYPES OF POLICIES (10) Georgia Insurance Supplement
A. Disability income
B. Accidental death and dismemberment
C. Medical expense insurance
D. Medicare supplement policies
E. Group insurance
F. Long Term Care (LTC)
G. Cancer (for specified diseases) plans
H. Critical illness plans
I. Worksite (employer-sponsored) Plans
 
VI. ACCIDENT AND SICKNESS: POLICY PROVISIONS, CLAUSES, AND RIDERS (14)
A. Mandatory provisions
B. Optional provisions
C. Other provisions and clauses
D. Riders
 
VII. SOCIAL INSURANCE (2)
A. Medicare
B. Medicaid
C. Social Security benefits
 
VIII. ACCIDENT AND SICKNESS: OTHER INSURANCE CONCEPTS (3)
A. Total, partial, and residual disability
B. Owner’s rights
C. Dependent children benefits
D. Primary and contingent beneficiaries
E. Modes of premium payments
F. Nonduplication and coordination of benefits
G. Occupational vs. nonoccupational
H. Tax treatment of premiums and proceeds of insurance contracts
 I. Managed care
 J. Workers Compensation
K. Subrogation
 
IX. ACCIDENT AND SICKNESS: FIELD UNDERWRITING PROCEDURES (6)
A. Completing application and obtaining necessary signatures
B. Explaining sources of insurability information
C. Initial premium payment and receipt and consequences of the receipt
D. Submitting application (and initial premium if collected) to company for underwriting
E. Assuring delivery of policy and related documents to client Georgia Insurance Supplement
F. Explaining policy and its provisions, riders, exclusions, and ratings to clients
G. Replacement
H. Contract law
 
X. GEORGIA LAWS, RULES, AND REGULATIONS (10)
A. Georgia laws, rules, and regulations pertinent to Life and Accident & Sickness Insurance
B. Georgia laws, rules, and regulations pertinent to Life Insurance only
C. Georgia laws, rules, and regulations pertinent to Accident & Sickness Insurance only
 
How to Apply for the License: Electronic online application services are available at www.sircon.com/georgia. New license applicants are also required to submit a notarized Citizenship Affidavit Form (GID-276-EN) attesting to either United States citizenship or lawful presence. A copy of the required form, along with instructions for completing the form, can be downloaded from the Georgia Insurance Department’s website.

The paper version of the Georgia insurance license application can be found in the Georgia Insurance Licensing Candidate Handbook. However, it is recommended that applicants use the online service available at www.sircon.com/georgia. If applying on paper, all license application packages must be sent to the Georgia Insurance Department at:

Georgia Insurance Department
Agents Licensing Division
908 West Tower, Floyd Bld.
2 Martin Luther King, Jr. Drive
Atlanta, GA 30334
 (404) 656-2100
www.oci.ga.gov
 
If you need to correspond with Pearson VUE regarding the exam:

Pearson VUE
Georgia Insurance
Attn: Regulatory Program
5601 Green Valley Dr.
Bloomington, MN 55437
800-274-0488
 
 
Certificate of Authority (CA) Requirements: In order to conduct insurance business, all agents must obtain a certificate of authority (CA) directly with an insurance company or companies. CA appointments will cover all classes of insurance held in common by the agent and the insurer. CA’s for new licensees are valid only upon the issuance of a permanent license. Certificates of authority will be renewed annually by the insurance company. CA’s will terminate automatically upon the expiration or cancellation of the license.
 
License Renewal Requirements: Individual agent licenses must be renewed every two years and there is a continuing education requirement.

Applicable Regulations: Life and health insurance agents in Georgia are regulated by the Georgia Office of Insurance.
 

For more information on life and health insurance agent licensing and exam preparation, go to Tests.com’s Life and Health Insurance Exam Guide.

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