Georgia offers separate insurance license authorities depending on whether you plan to sell Life products, Accident and Sickness products, or both. Choosing the correct license determines the types of insurance products you are authorized to sell and the pre-licensing education you must complete.
This guide compares Georgia Life, Health, and combined Life and Health insurance license options so you can determine which fits the type of insurance business you plan to pursue.
For the complete licensing process, including the state exam, application, fingerprints, and other requirements, review our Georgia Insurance License Requirements page.
Georgia Life and Health Insurance License Options
Georgia applicants who plan to sell both Life and Accident and Sickness products can pursue both lines together through a combined pre-licensing course and examination. Georgia offers a combined Life, Accident and Sickness pre-licensing course and licensing examination for applicants seeking both lines.
Georgia requires 16 hours of pre-licensing education when completing both major lines, based on the current requirement of 8 hours for each major line of authority.
With both Life and Accident and Sickness authority, agents may sell products including:
- Term and whole life insurance
- Fixed annuities
- Health insurance
- Disability income insurance
- Medicare supplement coverage
- Long-term care insurance
Review our Georgia Life and Health Insurance License Guide for more information about obtaining both lines.
Georgia Life Insurance License
The Georgia Life license provides authority to sell Life insurance products but does not provide Accident and Sickness authority.
Georgia requires 8 hours of pre-licensing education for the Life line unless an applicant qualifies for an applicable exemption.
Life authority includes products such as:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Fixed annuities
Review our Georgia Life Insurance License Guide for more information about the Life license.
Georgia Health Insurance License
Georgia officially identifies the Health line of authority as Accident and Sickness. This license provides authority for health-related insurance products but does not provide Life insurance authority.
Georgia requires 8 hours of pre-licensing education for the Accident and Sickness line unless an applicant qualifies for an applicable exemption.
Accident and Sickness authority includes products such as:
- Health insurance
- Disability income insurance
- Medicare supplement coverage
- Long-term care insurance
Review our Georgia Health Insurance License Guide for more information about the Health license.
Which Georgia Insurance License Should You Get?
The right Georgia insurance license depends on the products you plan to sell.
- Life and Health: For agents who want authority for both Life and Accident and Sickness products.
- Life: For agents focused on Life insurance products and annuities.
- Health: For agents focused on Accident and Sickness products.
If you plan to work with both life and health insurance products, obtaining both Life and Accident and Sickness authority provides the broadest authority across these lines.
Georgia Pre-Licensing Requirements by License Type
Georgia requires an approved pre-licensing course for resident Life and Accident and Sickness applicants unless an applicant qualifies for an exemption. The current education requirements are 8 hours for each major line of authority.
- Life and Health: 16 hours
- Life: 8 hours
- Health: 8 hours
Georgia provides certain exemptions from pre-licensing education and examination requirements, including qualifying applicants who hold specified professional designations or were previously licensed for the same lines in another home state and meet the state’s requirements.
Frequently Asked Questions
What are the main Georgia Life and Health insurance license options?
Georgia applicants may obtain Life authority, Accident and Sickness authority, or both. Georgia uses Accident and Sickness as the official name for the Health line of authority.
How many pre-licensing hours are required in Georgia?
Georgia requires 8 hours of pre-licensing education for the Life line and 8 hours for the Accident and Sickness line. Applicants pursuing both lines complete 16 hours of pre-licensing education.
Do you need separate Life and Health licenses in Georgia?
Life and Accident and Sickness are separate lines of authority. Applicants who plan to sell both can pursue both lines and take the combined Life, Accident and Sickness examination.
Can you sell health insurance with a Georgia Life license?
No. Life authority does not include Accident and Sickness products. You must also obtain Accident and Sickness authority to sell health insurance products.
Can you sell life insurance with a Georgia Health license?
No. Accident and Sickness authority does not include Life insurance products. You must also obtain Life authority to sell life insurance products.
Which Georgia insurance license provides the broadest Life and Health authority?
Obtaining both Life and Accident and Sickness authority allows an agent to sell products across both lines and provides broader authority than holding only Life or only Accident and Sickness.
Next Steps
Once you know which Georgia insurance license fits your goals, the next step is completing the applicable pre-licensing education and preparing for the state licensing exam.
Review our Georgia Pre-Licensing Courses to select the appropriate Life, Health, or combined Life and Health course and begin preparing for the licensing exam.
