The Georgia Life insurance license provides authority to sell Life insurance products and annuities. Under Georgia’s standard qualification path, applicants must complete an approved Life pre-licensing course and pass the Life licensing examination.
This guide explains what the Georgia Life insurance license allows you to sell, the required pre-licensing education, the 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 the Georgia Life Insurance License?
The Georgia Life insurance license provides authority for the Life line of insurance. It is designed for agents who plan to work with Life insurance and annuity products without obtaining Accident and Sickness authority.
Life products may include:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Fixed annuities
- Other Life insurance products
Additional licensing, registration, training, or appointment requirements may apply to certain products.
Unlike the Georgia Life and Health Insurance License, which combines Life and Accident and Sickness authority, the Life license does not provide general Health insurance authority.
Georgia Life Pre-Licensing Education Requirements
Georgia requires 8 hours of approved pre-licensing education for the Life line under the standard qualification path. Georgia reduced the required education to 8 hours for each major line in 2025.
The Life pre-licensing course must be completed before taking the applicable licensing examination unless the applicant qualifies for an approved waiver.
Georgia also recognizes certain waiver situations. Applicants holding a CLU or FLMI designation may qualify for a waiver of the pre-licensing course and examination. Certain applicants who were actively licensed for the same line in a previous home state may also qualify when Georgia’s transfer requirements are met.
What the Georgia Life Pre-Licensing Course Covers
A Georgia-approved Life pre-licensing course covers the Life insurance concepts and Georgia-specific material required for the licensing examination.
Topics include:
- Life insurance fundamentals
- Life insurance policy types
- Policy provisions and riders
- Beneficiary designations
- Annuities
- Georgia insurance laws and regulations
- Agent responsibilities and consumer protections
Our Georgia Life 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 Insurance Exam
The Georgia Life licensing examination is administered by Pearson VUE. Georgia requires applicants pursuing the Life line under the standard qualification path to complete the Life pre-licensing course and pass the Life examination.
The examination tests general Life insurance concepts and Georgia-specific insurance laws and regulations.
A score of 70% is required to pass a Georgia insurance licensing examination.
How Long Should You Prepare for the Georgia Life Exam?
Many students complete the 8-hour Life course and prepare for the Georgia licensing exam within one to two 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 Insurance Licensing Requirements
Applicants using the standard qualification path must complete the applicable Georgia licensing requirements:
- Complete the approved 8-hour Georgia Life pre-licensing course
- Pass the Georgia Life licensing examination
- Complete the required Citizenship Affidavit
- Submit the license application through Sircon
- Submit electronic fingerprints for the criminal background check
- Receive approval from the Georgia Office of Insurance and Safety Fire Commissioner
Georgia’s current resident Life licensing instructions specify the Life course, Life exam, Citizenship Affidavit, Sircon application, application fee, and electronic fingerprinting.
For detailed application, fingerprinting, fees, and licensing instructions, review our Georgia Insurance License Requirements page.
Georgia Life vs. Life and Health
Georgia recognizes Life and Accident and Sickness as separate lines of authority.
- Life: Life insurance and annuity authority
- Life and Health: Life plus Accident and Sickness authority
Georgia also offers a combined Life, Accident and Sickness pre-licensing course and examination for applicants who want both lines.
If you expect to sell both Life and Health insurance products, review our Georgia Life and Health Insurance License Guide for information about pursuing both lines.
Choosing a Georgia Life 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 course satisfies the required 8 hours while providing exam preparation within the same enrollment.
Frequently Asked Questions
How many pre-licensing hours are required for a Georgia Life insurance license?
Georgia requires 8 hours of approved pre-licensing education for the Life line under the standard qualification path.
Is pre-licensing education required before the Georgia Life exam?
Yes, under the standard qualification path. Georgia requires completion of the Life pre-licensing course before the Life examination. Certain applicants may qualify for a waiver.
What can you sell with a Georgia Life insurance license?
The Georgia Life license provides authority for Life insurance and annuity products. It does not provide the broader Accident and Sickness authority required for general Health insurance products.
What score do you need to pass the Georgia Life insurance exam?
A score of 70% is required to pass the Georgia insurance licensing examination.
Can you sell health insurance with a Georgia Life license?
No. The Life license does not provide Accident and Sickness authority. Agents who plan to sell both Life and Health products can pursue both lines through Georgia’s combined Life, Accident and Sickness course and examination.
Can Georgia waive the Life pre-licensing course or exam?
Yes, for certain qualifying applicants. Georgia lists CLU or FLMI designation holders and certain applicants previously licensed for the same line in another home state among the available waiver situations.
Next Steps
If you plan to become a Life insurance agent in Georgia, the next step is completing the required 8-hour pre-licensing course and preparing for the Life licensing examination.
Review our Georgia Life Pre-Licensing Course to complete the education requirement and prepare for the Georgia state exam.
