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Georgia life and health practice exam

Free life and health practice for the Georgia producer exam: 273 general questions plus 12 Georgia state law questions, each with an explanation.

Georgia state law questions

Every Georgia question with its answer, explanation, and the law it comes from.

State laws change. Always confirm details with the Georgia insurance department and your exam's content outline.

Licensing and CE

1. A Georgia resident agent with fewer than 20 years of service must complete how many CE hours biennially?

  1. 30 hours, including 3 hours of ethics
  2. 15 hours, including 3 hours of ethics
  3. 20 hours, including 2 hours of ethics
  4. 24 hours, including 3 hours of ethics
Show answer
D. 24 hours, including 3 hours of ethics
CE is due on or before the last day of the agent's birth month.
Source: Georgia Office of Insurance and Safety Fire Commissioner, CE page

2. Georgia producers licensed after August 1, 2023 who sell annuities must complete a one-time annuity best interest course of:

  1. 4 hours
  2. 16 hours
  3. 8 hours
  4. 2 hours
Show answer
A. 4 hours
The course is the 4-hour Annuity Best Interest course.
Source: Georgia Office of Insurance and Safety Fire Commissioner, CE page

Life Policy Provisions

1. Georgia requires a life insurance grace period for premiums after the first of not less than:

  1. 10 days
  2. 30 days
  3. 31 days
  4. 60 days
Show answer
B. 30 days
O.C.G.A. 33-25-3(1).
Source: O.C.G.A. 33-25-3 (Required life policy provisions)

2. In Georgia, a lapsed life policy may be reinstated within:

  1. 2 years from the date of premium default
  2. 1 year from the date of premium default
  3. 3 years from the date of premium default
  4. 5 years from the date of premium default
Show answer
C. 3 years from the date of premium default
O.C.G.A. 33-25-3(8). The insured must provide evidence of insurability.
Source: O.C.G.A. 33-25-3 (Required life policy provisions)

3. In Georgia, settlement of a life insurance death claim may not exceed how long after the insurer receives due proof of death?

  1. 2 months
  2. 30 days
  3. 6 months
  4. 10 days
Show answer
A. 2 months
O.C.G.A. 33-25-3(11).
Source: O.C.G.A. 33-25-3 (Required life policy provisions)

4. Under Georgia's required life policy provisions, a policy loan must be available after premiums have been paid for:

  1. 1 full year
  2. 3 full years
  3. 2 full years
  4. 5 full years
Show answer
B. 3 full years
O.C.G.A. 33-25-3(5).
Source: O.C.G.A. 33-25-3 (Required life policy provisions)

5. On a participating life policy in Georgia, dividends must be apportioned annually beginning no later than the end of the:

  1. 10th policy year
  2. 5th policy year
  3. 3rd policy year
  4. 1st policy year
Show answer
C. 3rd policy year
O.C.G.A. 33-25-3(4).
Source: O.C.G.A. 33-25-3 (Required life policy provisions)

Replacement

1. Under Georgia's replacement rule, a replacing insurer must notify the existing insurer within:

  1. 30 days
  2. 10 working days
  3. 5 business days
  4. 3 working days of receiving the application or issuing the policy, whichever is sooner
Show answer
D. 3 working days of receiving the application or issuing the policy, whichever is sooner
Ga. Comp. R. & Regs. 120-2-24-.07. Georgia's deadline is shorter than the 5 days many states use.
Source: Ga. Comp. R. & Regs. 120-2-24 (Replacement of life insurance)

2. Georgia insurers must keep replacement notices and related communications for at least:

  1. 3 years, or until the next regular examination, whichever is later
  2. 10 years
  3. 1 year
  4. 5 years
Show answer
A. 3 years, or until the next regular examination, whichever is later
Ga. Comp. R. & Regs. 120-2-24-.06.
Source: Ga. Comp. R. & Regs. 120-2-24 (Replacement of life insurance)

3. Georgia's replacement notice tells the applicant that they may examine an individual life policy after receiving it for:

  1. 20 days
  2. 14 days
  3. 10 days
  4. 30 days
Show answer
C. 10 days
Ga. Comp. R. & Regs. 120-2-24-.08.
Source: Ga. Comp. R. & Regs. 120-2-24 (Replacement of life insurance)

Guaranty Association

1. The Georgia Life and Health Insurance Guaranty Association covers the present value of annuity benefits up to:

  1. $250,000 with no separate cash value limit
  2. $300,000, but no more than $250,000 in cash surrender value
  3. $100,000
  4. $500,000
Show answer
B. $300,000, but no more than $250,000 in cash surrender value
O.C.G.A. 33-38-7. Georgia's annuity limit is higher than the $250,000 used in many states.
Source: O.C.G.A. 33-38-7 (Guaranty Association), via NOLHGA state summary

2. The Georgia guaranty association covers health insurance other than health benefit plans, disability income, and long-term care up to:

  1. $200,000
  2. $100,000
  3. $500,000
  4. $300,000
Show answer
D. $300,000
O.C.G.A. 33-38-7. Health benefit plans are covered to $500,000.
Source: O.C.G.A. 33-38-7 (Guaranty Association), via NOLHGA state summary

Keep studying

The general topics make up most of the exam.

General ConceptsLifePolicy TypesLifeProvisions, Options, and RidersLifeUnderwriting and DeliveryLifeAnnuitiesLifeTaxes, Retirement, and Business UsesLifeInsurance BasicsLifePlan Types and BasicsHealthUniform Mandatory ProvisionsHealthOptional ProvisionsHealthRenewabilityHealthDisability IncomeHealthMedical Expense and ContinuationHealthGroup Insurance and AD&DHealthMedicare, Medicaid, and LTCHealthFederal Health LawsHealth

Georgia exam questions

How much of the Georgia life and health exam is state law?

State law is usually around 20 to 30 percent of a state's producer exam. Check the Georgia candidate handbook from your testing provider for the exact content outline.

What does the Georgia state law section cover?

Common areas include licensing and continuing education, required policy provisions, replacement rules, and the guaranty association. This page covers: licensing and ce, life policy provisions, replacement, guaranty association.

Where do these state questions come from?

Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.

Do I still need the general questions?

Yes. Most of the exam is general life and health knowledge. The full exam option here mixes 273 general questions with the Georgia state law questions.