Getting your life and health insurance license in Georgia isn't complicated, but it does involve a specific sequence of steps you need to follow in order. Skip one, and you'll find yourself going in circles. This guide lays out the exact process — from pre-licensing education through your first CE renewal — so you know what to expect at every stage.
Here's the high-level roadmap before we get into the details:
That's it. There's no background investigation waiting period (unlike some states), and Georgia doesn't require you to be sponsored by an employer before applying for your individual license. You can get licensed independently and then affiliate with an agency.
Before you're eligible to sit for the Georgia insurance exam, you must complete a state-approved pre-licensing education course. For life and health insurance:
If you're applying for both lines of authority on the same license — which most people do — you complete both courses (80 hours total) and then take both exam sections. Most candidates take a combined course from a single provider that covers both subjects together.
Pre-licensing courses are available in-person and online. Online is far more common now — providers like Kaplan, ExamFX, and AdjusterPro offer Georgia-specific courses. You complete the coursework at your own pace within the provider's access window (typically 90–180 days), but Georgia requires the course to include a final exam with a passing score before you receive your certificate of completion.
Your pre-licensing certificate is valid for 1 year from completion. You must pass the state exam and apply for your license within that year or the certificate expires.
Georgia contracts with PSI Services to administer its insurance licensing exams. You schedule your exam directly through PSI after completing your pre-licensing course.
The Life and Health exam has two separate sections you take back-to-back at the testing center:
Both sections are scored separately, with a passing score of 70 (70 correct answers out of 100). If you pass one section and fail the other, you only need to retake the failed section — not both. There's no waiting period between retakes, but you pay the exam fee each time.
The Life Insurance exam covers:
The Health Insurance exam covers:
Both exams include a Georgia law and regulation section — roughly 20–25% of questions cover state-specific rules. Don't neglect the Georgia content; it's a meaningful portion of the exam and state-specific material that generic study guides may undercover.
At the PSI testing center:
After passing your exam, you apply for your license through the Georgia Office of Insurance and Safety Fire Commissioner via the National Insurance Producer Registry (NIPR) or Sircon (both are approved submission portals).
Applications are typically processed within 3–5 business days for clean applications. If there are background disclosures requiring additional review, processing can take several weeks. Your license is issued electronically — Georgia doesn't mail paper licenses. You can print your license certificate from the portal.
Your Georgia life and health insurance license renews every 2 years, on your birthday in your renewal year (the cycle depends on when you were first licensed). Before renewal, you must complete continuing education:
CE courses are available online from dozens of approved providers. You can check CE compliance and report completion through the Georgia OCI's online portal or through NIPR. Georgia CE courses must be completed through state-approved providers — courses from unapproved sources don't count.
Georgia requires insurance license applicants to disclose:
Disclosure doesn't automatically disqualify you — Georgia reviews disclosures on a case-by-case basis. However, failing to disclose when required is itself grounds for denial or revocation, and the Department treats non-disclosure seriously. If you have a history to disclose, be accurate and complete.
You can apply for just one line of authority if you prefer. Some agents start with Life Only and add Health later, or vice versa. Each line requires its own pre-licensing hours and a separate exam section. Applying for both simultaneously is more cost-effective (one application, one active license) and typically makes you more employable, since most agency roles expect agents to hold both lines.
The Georgia life and health insurance exam is a knowledge test — the material isn't conceptually difficult, but there's a lot of it. Passing depends on thorough coverage of the content, not just intuition or general business knowledge.
Effective preparation approaches:
For a broader look at the full licensing process across states, the life and health insurance license guide covers what varies state by state. If you want to start practicing right away, the life and health insurance exam practice guide has questions specifically aligned to the state licensing exam format. And the how to get a life and health insurance license guide gives a national overview of the process if you're comparing requirements across states.
If you're already licensed in another state and moving to Georgia — or if you want to sell in Georgia from your home state — Georgia has reciprocal licensing agreements with most states. Under reciprocity, you may be able to obtain a Georgia non-resident license without completing additional pre-licensing education or retaking the Georgia exam.
To qualify for reciprocity: your home state must have a reciprocal agreement with Georgia, your home state license must be in good standing, and you must apply through NIPR or Sircon with the required fee. Not all license types qualify — check the Georgia OCI's reciprocity list for your specific lines of authority.