Georgia Life & Health Insurance Exam Study Guide 2026 (PDF) 

50 Practice Questions + Answer Key | Pass the GA Insurance Exam on Your First Try

Preparing for the Georgia Life & Health insurance licensing exam through PSI Services?

Then you already know — this isn’t an easy test.

With 150 questions in 165 minutes and a required 70% passing score, most candidates struggle not because they didn’t study…
…but because they didn’t study the right way.

This Georgia Life & Health Insurance Exam Study Guide 2026 is designed to bridge the gap between finishing your pre-licensing course and walking into the exam confident and prepared.

⚠️ Important: This Is a Study Supplement

This guide is designed to enhance your prep, not replace Georgia’s required pre-licensing education:

✔ Required: 40 hours (20 Life + 20 Health) from an approved provider
✔ Regulator: Georgia Office of Insurance and Safety Fire Commissioner

🎯 Why This Guide Is Different

Most exam prep materials either:

• Overwhelm you with too much content

• Or skip the exact state-specific details that determine pass/fail

This guide focuses on what actually matters:

✔ Georgia-specific statutes and regulations
✔ Exam-weighted practice questions
✔ Real-world insurance knowledge from a licensed professional
✔ Statutory citations included (no guesswork)

📋 Georgia Life & Health Exam Overview

• 150 Questions (140 scored + 10 pretest)

• 165 Minutes

• Passing Score: 70%

• Exam Fee: $64

• Testing Provider: PSI Services

• Estimated Total Licensing Cost: $250–$400

📚 What’s Included in This Study Guide

✅ Complete Content Coverage

• General Insurance Principles (risk, contracts, authority, ethics)

• Life Insurance (term, whole, UL, VL, IUL, riders, taxation)

• Annuities (phases, payout options, suitability rules)

• Health Insurance (ACA, Medicare, COBRA, HSAs, networks)

• Policy Provisions (required vs optional)

• Social Insurance (Social Security, Medicaid, HIPAA, ERISA)

• Georgia Statutes (based on O.C.G.A. Title 33)

• Georgia-specific rules and licensing structure

✅ 50 Practice Questions (Exam-Weighted)

Carefully structured to reflect the real exam distribution, so you focus on what’s actually tested.

✅ Answer Key with Statutory Citations

Every correct answer includes:

✔ Explanation of the concept
✔ Reference to the actual Georgia law or rule

No fluff. No guessing.

✅ Georgia-Specific High-Yield Content

This is where most people fail — and where this guide shines:

• Georgia Life and Health Insurance Guaranty Association limits:

  • $300K life death benefit

  • $250K annuity

  • $500K health coverage

• Georgia uses “agent” terminology (not producer)

• Statewide-elected Insurance Commissioner (rare in the U.S.)

• Mini-COBRA = only 3 months (critical test point)

• Annuity suitability rules (best-interest standard)

• Unfair Trade Practices laws

✅ 21-Day Study Plan

A structured plan to follow after pre-licensing, so you know exactly what to study each day leading up to your exam.

✅ Quick-Reference Cheat Sheet

Memorize key numbers, limits, and rules fast — perfect for last-minute review.

👤 Who This Is For

✔ Georgia candidates ready to take the exam within 30 days
✔ Career changers entering insurance sales
✔ Non-resident agents adding a Georgia license
✔ Anyone retaking the exam who needs focused prep
✔ Self-study learners who want structure

⚡ Instant Download – Study Anywhere

• Delivered as a PDF immediately after purchase

• Works on phone, tablet, or computer

• Start studying in minutes

💰 Price: Only $19.97

Skip expensive prep courses and focus on what actually helps you pass.

👉 Download Now
 

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🚀 Final Word

Passing the Georgia insurance exam isn’t about memorizing everything…
It’s about focusing on what’s actually tested.

This guide gives you:

✔ The structure
✔ The strategy
✔ The state-specific knowledge

So you can walk into your exam and pass with confidence