Georgia Life & Health
Insurance Exam

To pass the Georgia insurance licensing exam on your first attempt, follow this proven strategy: First, complete the required 40 hours of OCI-approved pre-licensing education. Second, study the key content areas systematically — life insurance, health insurance, annuities, and Georgia-specific regulations. Third, complete at least 400+ practice questions until you consistently score 80% or higher, well above the 70% passing threshold. Fourth, focus extra time on Georgia Insurance Code topics including replacement regulations (Form A & B), grace periods (30-day life, 10-day health), free-look periods, and OCI enforcement actions. Finally, take full-length timed practice exams (150 questions in 2.5 hours) to build stamina and confidence. Students who follow this approach have a significantly higher first-attempt pass rate.

The combined Georgia Life, Accident & Health insurance exam has 150 multiple-choice questions with a 2-hour 30-minute time limit. You need a score of 70% to pass, meaning at least 105 correct answers out of 150. Georgia also offers separate exams: Life-Only (75 questions) and Health-Only (75 questions), both requiring 70% to pass (53 correct out of 75). The exam is administered by PSI Services. We recommend aiming for 80%+ on practice tests to give yourself a comfortable margin on exam day.

The Georgia Life, Accident & Health exam covers several major content areas. Life insurance (~35%): policy types (term, whole, universal, variable), beneficiary designations, settlement options, and group life plans. Health insurance (~28%): individual and group medical expense coverage, the Affordable Care Act, disability income insurance, long-term care, and Medicare/Medigap plans. Annuities (~12%): fixed, variable, indexed, immediate, and deferred annuities, including taxation rules. General Insurance Principles (~10%): fundamental concepts, risk management, insurable interest, and types of insurers. Georgia-specific content (~15%): the Georgia Insurance Code, OCI regulations, replacement rules (Form A & B), free-look and grace periods, ethics, and unfair trade practices.

The Georgia insurance exam fee is $63 per attempt, paid directly to PSI Services when you schedule. The exam is administered by PSI Services LLC, either at PSI testing centers across Georgia (Atlanta, Savannah, Augusta, Macon, and others) or via remote online proctoring from your home or office. To schedule, visit candidate.psiexams.com and create an account. If you fail and retake, you pay the $63 fee again each time. Additional costs include fingerprinting through Fieldprint (~$50) and the license application fee ($100) paid to OCI.

Georgia requires 40 hours of OCI-approved pre-licensing education before you can take the state exam. This 40-hour requirement covers both the life and health lines combined. The coursework must be completed through an OCI-approved education provider. Courses are available online (self-paced) or in-person, typically costing between $75 and $250. After completing the course, your provider will report your completion to OCI and PSI electronically. Your pre-licensing certificate is valid for 12 months — you must pass the state exam within that period, or you will need to retake the pre-licensing course. Additional requirements include: you must be at least 18 years old, submit fingerprints through Fieldprint for a criminal background check, and provide a valid government-issued photo ID on exam day.

If you fail the Georgia insurance exam, you can retake it — there is no mandatory waiting period for the first several attempts. Each retake requires paying the $63 exam fee again. When you receive your score report at the testing center, it will include a diagnostic breakdown showing your performance by topic area. Use this information to focus your additional studying on weak areas. If you fail multiple times, you may need to complete additional pre-licensing education before being permitted to retake. Georgia Insurance Code sections — particularly replacement regulations, grace periods, and OCI enforcement — are the most common areas where candidates lose points. Upgrading to our premium question bank and completing targeted practice in those sections gives you the best chance on your retake.