Georgia life line
The Georgia life insurance exam.
The Georgia life insurance exam is 80 scored questions, about 10 unscored pretest questions, in 120 minutes, passing at 70 percent, $67 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Georgia outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Georgia Life Agent |
| Scored questions | 80 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | 70 percent |
| Exam fee | $67 |
| Testing vendor | Pearson VUE |
| Retake rules | You can book a retake after 24 hours, but you wait 14 days to retest after your first and second attempts, and 60 days after the third and every later attempt. There is no limit on total attempts, and each attempt costs a new $67 fee. |
| Prelicensing education | required, from a provider your state insurance department lists |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Georgia life insurance license
- 1
Meet the basics
Georgia sets its own age, background check and application rules. The Georgia insurance department lists them, so read them before you book.
- 2
Complete the required prelicensing education
Georgia requires prelicensing education from a provider your state insurance department lists before you can test. Complete it with that provider, keep your completion record, then drill practice questions until the material sticks.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $67 exam fee.
- 4
Pass the exam
Walk in knowing the format, 80 scored questions in 120 minutes, passing at 70 percent. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Georgia exam covers
From the official exam outline, each section's share of the exam and how many of the 80 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Types of Policies | 19 percent | 15 questions |
| Policy Riders, Provisions, Options, and Exclusions | 19 percent | 15 questions |
| Completing the Application, Underwriting, and Delivering the Policy | 15 percent | 12 questions |
| Retirement and Other Insurance Concepts | 10 percent | 8 questions |
| Georgia Laws, Rules, and Regulations Pertinent to Life, Accident, and Sickness Insurance | 30 percent | 24 questions |
| Georgia Rules and Codes Pertinent to Life Insurance Only | 7 percent | 6 questions |
Free Georgia practice questions
Original questions written to the Georgia outline, the same bank our students drill. Tap a question to check the answer.
Question 1What is the defining feature of a traditional whole life insurance policy?
- A. It provides coverage for a set term of years and then expires
- B. It provides lifetime coverage with level premiums and builds cash value
- C. It provides coverage only until age 65 with no cash value
- D. It adjusts the death benefit each year based on market returns
Show the answer
Answer: B
Whole life is permanent insurance: it covers the insured for life, the premium stays level, and it accumulates guaranteed cash value. The first choice describes term insurance, which expires. The third choice describes a limited-term concept, not whole life, which lasts for life. The fourth describes variable products with fluctuating benefits, not traditional whole life with guarantees.
Question 2In a universal life policy, which two components are separately shown in the policy statement each period?
- A. The mortality cost and the interest credited to cash value
- B. The agent commission and the premium tax
- C. The surrender charge and the policy loan interest rate
- D. The dividend and the paid-up addition value
Show the answer
Answer: A
Universal life is unbundled, meaning the cost of insurance (mortality charge) and the interest credited to the cash value are itemized separately so the owner can see how the policy works. Choice B lists costs that are not itemized for the owner in that statement. Choice C lists real terms but they are not the two core unbundled components shown each period. Choice D refers to dividends, which apply to participating whole life, not universal life.
Question 3James wants a term policy he can later switch to permanent coverage without a new medical exam. Which feature should he look for?
- A. A single premium term policy
- B. A nonparticipating term policy
- C. A decreasing term policy
- D. A convertible term policy
Show the answer
Answer: D
A convertible term policy lets the owner exchange it for a permanent policy such as whole life without evidence of insurability, which matches exactly what James wants. Decreasing term only lowers the death benefit over time. Nonparticipating simply means no dividends are paid and says nothing about conversion. Single premium describes how it is paid, not the ability to convert.
Question 4In an immediate annuity, when do income payments to the annuitant typically begin?
- A. Only after a required 10-year accumulation period
- B. After the free look period expires
- C. On the annuitant's 65th birthday regardless of purchase date
- D. Within about one payment interval after the single premium is paid
Show the answer
Answer: D
An immediate annuity is bought with a single premium and begins paying income within one payment period, such as one month for monthly payments. A required 10-year accumulation describes a deferred annuity, not an immediate one. Payments do not automatically start at age 65. The free look protects the buyer but does not set when income begins.
Question 5Under the entire contract provision, what documents make up the complete contract between the insurer and the policyowner?
- A. The policy and the agent's verbal promises
- B. The policy and the company's advertising brochures
- C. Only the application
- D. The policy and the attached copy of the application
Show the answer
Answer: D
The entire contract consists of the policy plus any application copy attached to it. Verbal promises by the agent are not part of the contract, the application alone is not enough, and marketing brochures are not part of the legal contract.
Take the free Georgia practice test, every question with the answer and the explanation
Georgia exam FAQs
How many questions are on the Georgia life insurance exam?
80 scored questions, plus about 10 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Georgia exam?
You need 70 percent to pass.
How much does the Georgia life insurance exam cost?
The exam fee is $67 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Georgia exam?
You can book a retake after 24 hours, but you wait 14 days to retest after your first and second attempts, and 60 days after the third and every later attempt. There is no limit on total attempts, and each attempt costs a new $67 fee. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Georgia require prelicensing education before the exam?
Yes. Georgia requires prelicensing education from a provider your state insurance department lists before you can sit for the exam. We sell study materials and practice exams, not prelicensing education, so plan for both, the required education first, then practice here until the exam feels familiar.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Georgia exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (80 questions, 120 minutes), and a mastery map that shows what to study next.