Georgia agents who plan to sell both life and health insurance products need both Life and Accident and Sickness authority. Georgia allows applicants to pursue both lines together through a combined Life, Accident and Sickness pre-licensing course and licensing examination.
This guide explains what Georgia Life and Health licensing allows you to sell, the required pre-licensing education, the combined state exam, and the requirements to become licensed.
For the complete licensing process, including the application, fingerprints, fees, Citizenship Affidavit, and other state requirements, review our Georgia Insurance License Requirements page.
What Is a Georgia Life and Health Insurance License?
Georgia officially recognizes Life and Accident and Sickness as separate lines of authority. Applicants who plan to sell products from both lines can pursue both together through the combined course and examination.
Holding both authorities allows an agent to work across a broad range of insurance products, including:
- Term and whole life insurance
- Annuities
- Health insurance
- Disability income insurance
- Medicare supplement coverage
- Long-term care insurance
Certain products may require additional training, certification, appointments, or other requirements before they can be sold.
Unlike the Georgia Life Insurance License, which provides Life authority, or the Georgia Health Insurance License, which provides Accident and Sickness authority, obtaining both allows you to work across both lines.
Georgia Life and Health Pre-Licensing Requirements
Georgia requires approved pre-licensing education for Life and Accident and Sickness applicants unless an applicant qualifies for an applicable waiver.
Georgia currently requires 8 hours of pre-licensing education for each major line. Applicants pursuing both Life and Accident and Sickness therefore complete a 16-hour combined pre-licensing course.
The pre-licensing education must be completed before proceeding with the applicable licensing examination under Georgia’s standard qualification path. Georgia also recognizes certain waivers, including qualifying applicants with a CLU or FLMI designation and certain applicants previously licensed for the same lines in another home state.
What the Georgia Life and Health Pre-Licensing Course Covers
A Georgia-approved combined Life and Accident and Sickness pre-licensing course covers the insurance concepts and Georgia-specific material tested on the licensing examination.
Topics include:
- Life insurance fundamentals
- Health insurance concepts and policy types
- Policy provisions and riders
- Annuities
- Disability income insurance
- Georgia insurance laws and regulations
- Agent responsibilities and consumer protections
Our Georgia Life and Health Pre-Licensing Course also includes exam-style practice questions and timed practice exams to reinforce the material and help you determine when you are ready for the state licensing exam.
Georgia Life, Accident and Sickness Insurance Exam
Georgia offers a combined Life, Accident and Sickness licensing examination for applicants pursuing both lines. Applicants may also take the individual Life or Accident and Sickness examination when pursuing only one line.
The combined examination is administered by Pearson VUE and tests both general insurance concepts and Georgia-specific insurance laws and regulations.
After successfully completing the required pre-licensing education, you can register with Pearson VUE for the combined examination.
How Long Should You Prepare for the Georgia Life and Health Exam?
Many students complete the 16-hour course and prepare for the Georgia Life and Health exam within one to three weeks when studying consistently.
Rather than scheduling the exam based only on the number of days you have studied, use your understanding of the material and performance on comprehensive practice exams to determine when you are ready to test.
Georgia Life and Health Licensing Requirements
Applicants using the standard qualification path must satisfy the applicable Georgia licensing requirements, including:
- Complete the approved 16-hour combined Life, Accident and Sickness pre-licensing course
- Pass the combined Life, Accident and Sickness licensing exam
- Complete the required Citizenship Affidavit
- Submit the Georgia insurance license application through Sircon
- Submit electronic fingerprints for the required background check
- Receive approval from the Georgia Office of Insurance and Safety Fire Commissioner
Georgia currently requires resident insurance license applications to be submitted through Sircon.
For detailed application, fingerprinting, fees, and licensing instructions, review our Georgia Insurance License Requirements page.
Georgia Life and Health vs. Life or Health
The difference between the Georgia license options is the authority each provides:
- Life and Health: Both Life and Accident and Sickness authority
- Life: Life insurance authority
- Health: Accident and Sickness authority
Georgia refers to the Health line officially as Accident and Sickness. Applicants who plan to work across both life and health insurance markets can pursue the two lines together through the combined course and examination.
For more information about the individual lines, review our Georgia Life Insurance License Guide or Georgia Health Insurance License Guide.
Choosing a Georgia Life and Health Pre-Licensing Course
Georgia requires approved pre-licensing education under the standard qualification path, but course design and exam preparation can differ by provider.
Look for Georgia-approved education, state-specific instruction, exam-style practice questions, timed practice exams, and feedback that helps identify areas requiring additional review.
National Online Insurance School’s Georgia Life and Health course satisfies the required 16 hours while providing exam preparation within the same enrollment.
Frequently Asked Questions
How many pre-licensing hours are required for a Georgia Life and Health license?
Georgia requires 8 hours of pre-licensing education for each major line. Applicants pursuing both Life and Accident and Sickness complete 16 hours of approved pre-licensing education.
Does Georgia have a combined Life and Health insurance exam?
Yes. Georgia offers a combined Life, Accident and Sickness licensing examination for applicants pursuing both lines of authority.
What can you sell with Georgia Life and Health authority?
Holding both Life and Accident and Sickness authority allows an agent to sell products across both lines, including life insurance, annuities, health insurance, disability income insurance, Medicare supplement coverage, and long-term care insurance. Additional requirements can apply to certain products.
What is the Georgia Health insurance license called?
Georgia officially calls the Health line of authority Accident and Sickness.
Can you get only a Life insurance license in Georgia?
Yes. Georgia offers Life as a separate line of authority and a separate Life licensing examination.
Can you get only a Health insurance license in Georgia?
Yes. Applicants may pursue Accident and Sickness authority without obtaining Life authority.
Can Georgia waive the pre-licensing course or exam?
Certain applicants may qualify for waivers. Georgia lists qualifying CLU or FLMI designation holders and certain applicants previously licensed for the same lines in another home state among the available waiver situations.
Next Steps
If you plan to become licensed for both Life and Health insurance in Georgia, the next step is completing the required 16-hour pre-licensing course and preparing for the combined Life, Accident and Sickness licensing exam.
Review our Georgia Life and Health Pre-Licensing Course to complete the education requirement and prepare for the Georgia state exam.
