How many questions are on the Georgia Life & Health Insurance exam?

The exam consists of 135 multiple-choice questions. 125 of these are scored, and 10 are unscored pretest questions.

How long do I have to complete the exam?

You are given a time limit of 150 minutes (2.5 hours) to complete the entire exam.

What score is required to pass the GA Life & Health exam?

A passing score of 70% is required. The passing score is set by the provider and is the same for every candidate.

How much does the Georgia insurance exam cost?

The exam fee is $67, which is paid to Pearson VUE during the registration process.

Where can I take the Georgia Life & Health exam?

You can take the exam in-person at designated Pearson VUE test centers, or you may take it online from home via Pearson VUE's online proctoring service.

How much time should I spend studying for the GA Life & Health exam?

While study time varies by individual, we recommend dedicating approximately 35 hours of focused preparation to adequately cover all domains, particularly the heavy state-specific regulation sections.

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GA-LH · Syllabus & Exam Outline 2026

Georgia Life & Health Insurance License Exam

Exam-aligned study paths covering the national Life & Health insurance core plus Georgia insurance law - Georgia Office of Commissioner of Insurance and Safety Fire rules, licensing, and state-specific requirements - in retention-first 15-minute topics.

Start studying free see the outline ↓

Questions: 135 questions (125 scored, 10 pretest)
Time limit: 150 minutes (2.5 hours)
Passing score: 70%
Cost: $67
Format: Multiple-choice
Delivery: In-person at Pearson VUE test centers or online via Pearson VUE
Prep time: ~35 hours

Exam overview

Preparing for the Georgia Life & Health Insurance License Exam requires a solid understanding of both national insurance concepts and Georgia-specific regulations. This official outline breaks down the essential knowledge needed to pass the test, covering everything from life and health policy provisions to underwriting procedures and state insurance codes. With a quarter of the exam dedicated strictly to general and state-specific insurance regulation, candidates must familiarize themselves closely with the legal frameworks governing the industry in Georgia. Only Ever's curriculum maps every domain to concise, 15-minute study topics, ensuring you can systematically master the material. Whether you are reviewing intricate tax treatments of insurance premiums or the nuances of the Georgia Office of Commissioner of Insurance and Safety Fire, these bite-sized lessons make complex subjects manageable and directly align with the official exam blueprint.

Exam domains & weighting

Each domain's share of the exam — study deepest where the weight is highest. Open one for how to study it and its objectives.

How to study this domain

Focus on distinguishing between term, whole life, universal life, and various annuities. Create a comparison chart detailing premium structures, duration of coverage, and cash value accumulation mechanics for each policy type.

Key objectives

Traditional Whole Life Products
Interest, Market-Sensitive, and Adjustable Life
Term Life Insurance
Annuities
Combination Plans and Variations

Study this domain

Readiness self-check

Tick off everything you can confidently explain. Anything left unchecked is your study list — tap “Review” to jump straight into that domain.

Readiness

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Types of Policies

Review

Can I explain the structural differences between ordinary whole life, universal life, and variable annuities?
Do I know the features of an annually renewable term policy versus a decreasing term policy?

Policy Riders, Provisions, Options, and Exclusions

Review

What happens if an insured misstates their age on a life insurance application and passes away?
Can I list the standard nonforfeiture options available to a whole life policyowner?

Completing the Application, Underwriting, and Delivering the Policy

Review

What constitutes 'insurable interest' in life insurance, and when must it exist?
What are the four essential elements of a legal insurance contract?

Retirement and Other Insurance Concepts

Review

How does a key person life insurance policy work, and who receives the death benefit?

Types of Accident & Health Policies

Review

What distinguishes a Health Maintenance Organization (HMO) from a Preferred Provider Organization (PPO)?

Health Policy Provisions, Clauses, and Riders

Review

What is the difference between a noncancellable and a guaranteed renewable health insurance policy?

Social Insurance

Review

Can I accurately describe what Medicare Part A covers versus Medicare Part B?

Other Health Insurance Concepts

Review

How does the coordination of benefits provision determine the primary and secondary payers for dependents?

General Insurance Regulation

Review

What are the specific penalties and definitions for twisting, churning, and rebating in Georgia?
What are the continuing education and license renewal requirements for a producer in Georgia?
What are the general powers and duties of the Georgia Office of Commissioner of Insurance and Safety Fire?

Quick reference

Key Insurance Acronyms

Common abbreviations found throughout the life and health insurance exam.

HMO: Health Maintenance Organization
PPO: Preferred Provider Organization
HSA: Health Savings Account
HDHP: High Deductible Health Plan
NAIC: National Association of Insurance Commissioners
COBRA: Consolidated Omnibus Budget Reconciliation Act
HIPAA: Health Insurance Portability and Accountability Act

Essential Contract Terminology

Important definitions related to insurance policies and regulations.

Aleatory Contract

A contract where the exchange of values is unequal, dependent on an uncertain event.

Adhesion Contract

A contract prepared by one party (the insurer) and accepted or rejected by the other (the insured) with no room for negotiation.

Unilateral Contract

A contract in which only one party (the insurer) makes a legally enforceable promise.

Representations

Statements made by the applicant on the insurance application that are believed to be true to the best of their knowledge.

Warranties

Absolutely true statements upon which the validity of the insurance policy depends.

Subrogation

The right for an insurer to pursue a third party that caused an insurance loss to the insured.

Twisting

An unfair trade practice where an agent uses misrepresentation to induce a policyholder to lapse, forfeit, or surrender a policy to buy another.

Frequently asked questions

Good to know

The exam contains 10 unscored pretest items mixed seamlessly into the test.
All questions are delivered in a multiple-choice format.
The exam tests a blend of nationally uniform general knowledge and Georgia-specific state laws and regulations.
Calculators are typically not required, as the exam is conceptual and definitional rather than heavily math-based.

Reading isn’t remembering.

Georgia Life & Health prep blends nationally-uniform insurance concepts with Georgia-specific law, and most materials muddle the two.

Only Ever teaches the shared national Life & Health core once, then layers Georgia insurance law - regulation, licensing, unfair practices, guaranty protection, and state-specific rules - as focused 15-minute topics.

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