How to Obtain Your Insurance License in Georgia
1. Complete the pre-licensing course.
- Life Only – 20 hours
- Accident & Health Only – 20 hours
- Life, Accident and Health – 40 hours
- Casualty – 20 hours
- Property – 20 hours
- Property and Casualty – 40 hours
- Personal lines - 40 hours
Course requirements:
- This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
- Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter.
- Completion of this course satisfies the prelicensing education requirement.
Certificate Information
To be eligible for a Certificate of completion, you must follow several steps:
- Completion of the course, and the final exam with a minimum score of 70%.
- Download and Print certificate through the “Transcript” tile on the user dashboard.
- Certificates are valid for 12 months.
- Course completion rosters will be reported to SIRCON daily.
- Education providers are required to collect and report students’ DOB and last 4 of SSN.
2. Schedule the Georgia State examination.
- Registration must be completed online on Pearson Vue website: www.pearsonvue.com/ga/insurance
- You will be required to enter the school code during registration. The school code can be found on the certificate of completion.
- Exam fee: $63
- Spanish exams available
- OnVUE online remote proctored exams are not available.
Limitation on Repeat Examinations:
- Candidates who fail an exam will be required to wait 14 days to retest after the first two failed attempts and 60 days on the third attempt and any subsequent attempts.
3. Pass the State Exam
- Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period.
- Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.”
- Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
- On the day of testing, you must present a valid government issued photo id and the certificate of completion.
4. Complete Citizen Affidavit
- Georgia Department of Insurance requires every applicant to verify proof of lawful presence in the United States by submitting the following documents along with the license application:
- Complete and notarize the Citizen Affidavit Form (GID-276-EN). Form can be found on the Georgia Insurance Department’s website. https://oci.georgia.gov/citizenship-affidavit
5. Apply for License
- Submit license application electronically through https://www.sircon.com/landingPages/states/minnesota/content.jsp
- Application fee - $100
- Processing fee - $20
- NIPR does not verify exams prior to allowing submission of an application, however, an exam is required prior to the states’ approval of the request.
6. Submit Fingerprints
- The state of Georgia requires fingerprinting. To make a fingerprint reservation go to https://fieldprintgeorgia.com/individuals
- Fingerprint Fee: $51.50
- Applicants will receive a registration approval email from Fieldprint. Take your approval message with you to a fingerprint site and they will take your fingerprints.
- Fingerprint user guide
Exam Outlines
DESCRIPTION | Question Count | % of Exam Questions | ||||
Life | Health | L&H | Life | Health | L&H | |
Life Insurance | ||||||
Types of Policies and Features | 15 | 0 | 15 | 19% | 0% | 12% |
Policy Riders, Provisions, Options, and Exclusions | 15 | 0 | 15 | 19% | 0% | 12% |
Completing the Application, Underwriting, and Delivering the Policies | 12 | 0 | 12 | 15% | 0% | 9% |
Taxes, Retirement, and Other Insurance Concepts | 8 | 0 | 8 | 10% | 0% | 6% |
Health Insurance | ||||||
Types of Policies | 0 | 16 | 16 | 0% | 20% | 13% |
Policy Provisions, Clauses, and Riders | 0 | 15 | 15 | 0% | 19% | 12% |
Social Insurance | 0 | 6 | 6 | 0% | 8% | 5% |
Other Insurance Concepts | 0 | 5 | 5 | 0% | 6% | 4% |
Field Underwriting Procedures | 0 | 8 | 8 | 0% | 10% | 6% |
Georgia Laws and Rules | ||||||
Georgia Statutes, Rules and Regulations Common to All Lines | 24 | 24 | 19 | 30% | 30% | 15% |
Georgia Statutes, Rules and Regulations Pertinent to Life Insurance only | 6 | 0 | 3 | 8% | 0% | 2% |
Georgia Statutes, Rules and Regulations Pertinent to Health
Insurance |
0 | 6 | 3 | 0% | 8% | 2% |
Total for all parts | ||||||
Total Scored Questions on Exam | 80 | 80 | 125 | 0 | 0 | 0 |
Maximum Time allowed to complete exam in minutes | 120 | 120 | 150 | |||
Passing Score | 70 | 70 | 70 |
DESCRIPTION | Question Count | % of Exam Questions | ||||
Casualty | Property | P&C | Casualty | Property | P&C | |
Casualty Insurance | ||||||
Types of Policies, Bonds, and Related Terms | 23 | 0 | 25 | 31% | 0% | 18% |
Insurance Terms and Related Concepts | 15 | 0 | 14 | 18% | 0% | 12% |
Policy Provisions | 12 | 0 | 11 | 14% | 0% | 10% |
Property Insurance | ||||||
Types of Property Policies | 0 | 25 | 22 | 0% | 28% | 18% |
Insurance Terms and Related Concepts | 0 | 15 | 15 | 0% | 19% | 12% |
Policy Provisions and Contract Law | 0 | 13 | 11 | 0% | 16% | 10% |
Georgia Laws and Rules | ||||||
Georgia State Laws, Rules, and Regulations Pertinent to All Insurance Lines | 22 | 22 | 18 | 28% | 28% | 14% |
Georgia Statutes and Regulations Pertinent to Property and
Casualty Insurance |
4 | 6 | 3 | 5% | 8% | 2% |
Georgia Statutes and Regulations Pertinent to Casualty Insurance | 4 | 0 | 3 | 5% | 0% | 2% |
Georgia Statutes and Regulations Pertinent to Property Insurance | 0 | 2 | 1 | 0% | 3% | 1% |
Total for all parts | ||||||
Total Scored Questions on Exam | 80 | 80 | 125 | |||
Maximum Time allowed to complete exam in minutes | 120 | 120 | 150 | |||
Passing Score | 70 | 70 | 70 |
DESCRIPTION | Question Count | % of Exam Questions |
Personal Lines Insurance | ||
Types of Property Policies | 10 | 11% |
Types of Casualty Policies | 13 | 14% |
Property and Casualty Insurance Terms and Related Concepts | 28 | 31% |
Property and Casualty Policy Provisions and Contract Law | 24 | 27% |
Georgia Laws and Rules | ||
Georgia Statutes, Rules, and Regulations Common to All Lines | 11 | 12% |
Georgia Statutes and Regulations Pertinent to Property and Casualty Insurance | 2 | 2% |
Georgia Statutes and Regulations Common to Personal Lines Insurance | 2 | 2% |
Total for all parts | ||
Total Scored Questions on Exam | 90 | |
Maximum Time allowed to complete exam in minutes | 120 | |
Passing Score | 70 |
Producer Licensing Checklist:
Task: | Date Completed |
1. Complete prelicensing course | |
2. Register for exam | |
3. Pass exam | |
4. Complete Citizen Affidavit | |
5. Apply for License | |
6. Submit Fingerprints |
Governing Agency
Name: Georgia Department of Insurance
Phone: 800-656-2298
Website: https://oci.georgia.gov/
Address: 2 Martin Luther King Jr. Dr. West Tower, Suite 702 Atlanta, GA 30334
Georgia Insurance License Renewal and Compliance Requirements
XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.
License Renewal Timelines
Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years.
- On-going renewal periods are the last day of the agent’s birth month every two (2) years thereafter.
Continuing education requirements must be met before submitting the license renewal application.
Complete Required Continuing Education
Requirements per License
Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics, before submitting their renewal application.
Specific Product Training Requirements
The Georgia Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.
Long-Term Care Training Requirements
- Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance.
- Agents must also complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance.
- The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement.
- Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course.
- Non-resident agents may complete these training requirements in any state.
Annuity Best Interest Training Requirements
- Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity course before selling, soliciting, or negotiating annuity products.
- Annuity course credits count towards the agent's 24-hour CE requirement.
- Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Georgia.
Flood Insurance (NFIP) Training Requirements
- Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance.
- The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement.
Course Requirements
- Licensees can use independent self-study courses to fill all requirements.
- Licensees must take courses in which the licensed is held.
- Self-study exams are closed book and require a monitor/proctor.
- Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles.
- Excess credits of up to 8 hours earned in the previous biennial renewal period can be carried over to the next reporting period.
Reporting to your State
- Students must provide their National Producer Number (NPN) to report on course completion.
- No roster per credit hour is required to report course completions to your state.
- Course completions are reported within one business day.
Renew your License
Resident and nonresident license renewal applications are processed through SIRCON. A $75 renewal fee is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.
Helpful Resources
Georgia Office of Insurance
https://oci.georgia.gov/
PH: 404-656-2070
pvgainsurance@pearson.com
Address: 2 Martin Luther King Drive, West Tower Suite 702, Atlanta, GA 30334