Georgia
Georgia Insurance Prelicensing Requirements
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How to Obtain a Georgia Insurance License
The State of Georgia requires insurance producers, subagents, adjusters, public adjusters, and counselors to hold a license. This guide outlines the step-by-step process to obtain your Georgia insurance license.
Step 1: Fulfill Prelicensing Education Requirements
Before taking the state licensing exam, you must complete a prelicensing education course approved by the Georgia Office of Insurance. The required hours vary based on the line of authority:
| Line of Authority | Required Hours |
| Life Insurance | 20 hours |
| Accident & Sickness Insurance | 20 hours |
| Life, Accident & Sickness | 40 hours |
| Property Insurance | 20 hours |
| Casualty Insurance | 20 hours |
| Property & Casualty | 40 hours |
| Personal Lines | 20 hours |
| Variable Products* | 8 hours |
| Navigator | 10 hours |
| A Life Insurance License is also required for Variable Products. |
Certification Exam & Completion Certificate:
- After completing your course, you must pass a Certification Exam with a 70% or higher.
- Upon passing, you’ll receive a Certificate of Completion, valid for one year.
- The certificate must be submitted with your Georgia license application.
Step 2: Schedule and Pass the Licensing Exam
Once you complete your prelicensing education, you must pass the Georgia state insurance licensing exam.
Exam Details:
- Register through Pearson VUE at www.pearsonvue.com or call (800) 274-0488.
- Exams are multiple-choice and require a 70% or higher to pass.
- A valid government-issued photo ID is required for testing.
- Exams must be taken in-person at Pearson VUE testing centers. Remote exams are no longer available as of May 2024.
- If you fail, you may reschedule immediately.
Exam Duration & Question Format:
| Exam Type | Time Limit | Number of Questions |
| Life Agent Exam | 2 hours | 90 |
| Accident & Sickness Agent Exam | 2 hours | 90 |
| Life, Accident & Sickness Agent Combo | 2.5 hours | 135 |
| Property Agent Exam | 2 hours | 90 |
| Casualty Agent Exam | 2 hours | 90 |
| Property & Casualty Agent Combo Exam | 2.5 hours | 135 |
| Personal Lines Agent Exam | 2 hours | 95 |
| Adjuster Exam | 2 hours | 100 |
| Variable Products Exam | 2 hours | 80 |
| Navigator Exam | 1 hour | 55 |
Step 3: Complete the Citizenship Affidavit
After passing the exam, Georgia requires all applicants to submit a Citizenship Affidavit:
- The form must be notarized.
- A copy of proof of citizenship must be included.
- Upload the documents during or immediately after submitting your license application.
Step 4: Apply for Your Insurance License
After passing your exam, you can apply for your license online through Sircon or NIPR.
Application Process:
- Visit www.nipr.com or www.sircon.com.
- Pay the required application fee.
- The Georgia Office of Insurance processes applications within a few business days.
- Once approved, you can verify and print your license from the Georgia Insurance Department website.
Step 5: Complete Fingerprinting
Fingerprinting is required for all unlicensed applicants in Georgia.
Fingerprinting Process:
- You must submit your license application first.
- Register for an appointment with the fingerprinting provider Gemalto.
- Visit the Georgia Office of Insurance website for approved locations and scheduling.
Step 6: Maintain Your License with Continuing Education (CE)
To keep your Georgia insurance license active, you must complete continuing education (CE) every two years.
CE Requirements:
- 24 hours of CE, including 3 hours of ethics training.
- Additional CE requirements apply for those selling long-term care (LTC) or annuity products.
- Nonresident producers must meet their home state’s CE requirements.
- If CE requirements are not met, your license will lapse.
Visit the Georgia Insurance Department website for the most up-to-date CE guidelines.
Frequently Asked Questions (FAQs)
Am I exempt from prelicensing requirements?
- Those with a Bachelor’s degree in insurance are exempt from prelicensing education but must pass the state exam.
- Those with a Doctorate degree in insurance are exempt from both prelicensing and examination requirements.
- Individuals holding professional designations such as CLU, FLMI, CPCU, CIC, CISR, CRM may qualify for an exemption.
Where will I take the state exam?
- Exams are in-person only at Pearson VUE testing centers.
How should I prepare for my in-person exam?
- Arrive 30 minutes early for check-in.
- Bring a valid government-issued ID.
- Personal items (phones, calculators, bags) are not allowed in the testing center.
- You must stay for the duration of the exam without breaks.
What score do I need to pass?
- You must score 70% or higher to pass.
What happens if I fail my exam?
- You may reschedule immediately.
- Review your diagnostic report on Pearson VUE to identify weak areas.
Where can I find more licensing information?
- Visit the Georgia Office of Insurance at www.oci.ga.gov.
Contact Information
Georgia Insurance Department:
- Phone: (404) 656-2100
- Website: www.oci.ga.gov
Pearson VUE Testing Provider:
- Phone: (800) 274-0488
- Website: www.pearsonvue.com
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Disclaimer
The information provided here is based on current Georgia regulations but may be subject to updates. We strive for accuracy but recommend verifying details with the Georgia Insurance Department for the latest licensing requirements.