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Georgia · State licensing

Pass the Georgia Life & Health insurance license exam.

Georgia's Office of Commissioner of Insurance requires 20 hours per line and uses PSI. Background check and fingerprinting are non-negotiable steps before the exam.

Quick answer: The Georgia Life & Health insurance license exam is administered by PSI as a 150-question combined exam with a 180-minute limit, and you need 70% to pass. Georgia requires 40 hours of pre-licensing education before you can sit. The exam fee is $63 per attempt.

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Quick facts

Testing vendor
PSI
Passing score
70%
Pre-licensing hours
40h combined
Application fee
$100
Exam fee
$63 per attempt
Combined exam length
150 Q · 180 min

Source: oci.georgia.gov. Confirm before you register. State schedules change.

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What's on the Georgia L&H exam.

The Georgia L&H exam is administered by PSI after you finish a state-approved 40-hour pre-licensing course. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Georgia.

Plan for roughly $203–$238 in mandatory Georgia state and vendor fees before any study materials, plus the cost of the required 40-hour pre-licensing course.

License application
$100
Exam fee
$63 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
40 hours required

A retake means paying the $63 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Georgia exam FAQ.

Does Georgia require fingerprinting for an L&H license?
Yes, all new producer applicants must complete fingerprinting through Identogo before the license issues, even if the exam is passed.
What's the Georgia passing score?
70%.
How long are Georgia pre-licensing certificates valid?
12 months from completion. You must sit the exam within that window.
Who runs the Georgia L&H exam?
PSI Services.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.