Georgia Health Insurance Practice Exam Free - 2026
Atlanta anchors one of the South's largest insurance industries, regulated by the Georgia Office of Insurance. Georgia's Pearson VUE exams mix scored and pretest questions - free practice here makes both feel routine. Access 312+ free Health Insurance questions with detailed explanations.
Exam quick facts. The Georgia Health Insurance exam: 90 questions in 120 minutes; passing score 70%; exam fee $67; administered by Pearson VUE; 8-hour prelicensing course required. Verified July 2026 against the official candidate handbook. Full details and source
Preparing for the Georgia Life, Accident and Sickness COMBO? Georgia life and health exam guide
Our Georgia bank includes 12 questions written specifically on Georgia health insurance law - each citing the statute or rule it tests - alongside the national question bank.
How the Georgia Health Insurance exam compares
The Georgia Health exam is 90 questions, 120 minutes, a 70% cut score. The examination fee is $67.
Georgia requires an 8-hour Accident and Sickness prelicensing course taken within the 12 months before the exam (16 hours for the combined Life, Accident and Sickness licence).
Health Insurance questions reviewed by Jennifer Collins — Health & Accident, 9 years' experience, Columbus, OH.
Figures above are taken from Pearson VUE Georgia Insurance Licensing Candidate Handbook (April 2026, #121100; question counts from GA Content Outlines #121102, effective Oct 22, 2024) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.
Official content outline: what the Georgia Health exam tests
Georgia Accident and Sickness Agent examination (12-GA-03)
80 scored + 10 pretest questions, 2 hours
| Outline section | Questions / weight |
|---|---|
| Types of policies | 16 |
| Policy provisions, clauses and riders | 15 |
| Social insurance | 6 |
| Other insurance concepts | 5 |
| Field underwriting procedures | 8 |
| Georgia laws, rules and regulations pertinent to life, accident and sickness insurance | 24 |
| Georgia rules and codes pertinent to accident and sickness insurance only | 6 |
Georgia state law on the exam: 30 of the 80 scored questions (24 general Georgia law + 6 accident-and-sickness-only)
- Insurance Department and Commissioner: powers and duties, examination of records, investigations and hearings, penalties (O.C.G.A. 33-2, 33-6-6, 33-6-9)
- Definitions: domestic, foreign and alien insurers; stock and mutual; certificates of authority; transacting insurance (33-3-1, 33-14-2, 33-3-2 to 33-3-30, 33-1-2)
- Licensing of agents and counselors: responsibilities, maintenance, revocation and suspension, temporary and nonresident licenses (33-23-1 to 33-23-46; Reg. 120-2-3-.09 and .15)
- Unfair trade practices: rebating, defamation, unfair discrimination, misrepresentation, twisting and churning, advertising, coercion, controlled business, unfair claims practices, fraud (33-6-4, 33-6-5, 33-6-30 to 33-6-35, 33-9-36, 33-24-7)
- Reporting and disposition of premiums (33-23-35); the Georgia Life and Health Insurance Guaranty Association (33-38-1 to 33-38-10)
- Accident and sickness only: individual and group policies (33-29, 33-30; Reg. 120-2-10 to 120-2-12), Medicare supplement (33-43; Reg. 120-2-8), long-term care and the LTC Partnership (33-42; Reg. 120-2-16)
Thirty of the eighty scored questions are Georgia law. The six accident-and-sickness-only items lean on the required policy provisions in Chapter 33-29, whose day counts differ from the NAIC uniform provisions in places (a 30-day grace period and ten working days for claim forms), which is exactly what the state-law questions on this page drill.
Source: Georgia Insurance Content Outlines (Pearson VUE #121102, effective October 22, 2024) (effective October 22, 2024). Outlines change; confirm with the current document before you book.
Preparing for the Georgia Life, Accident and Sickness COMBO?
Instead of two 80-question exams, many Georgia candidates take the COMBO: 125 scored questions in 2.5 hours through Pearson VUE, passed at 70%. The accident and sickness sections carry 44 of those questions, plus 3 on Georgia's accident-and-sickness-only codes (Medicare supplement, long-term care).
Use this health bank for those sections, the Georgia life practice test for the life sections, and the combined-exam guide for the outline and the Georgia law topics.
Choose Your Practice Mode
- Vendor: Pearson VUE
- Questions: 90 questions (80 scored + 10 pretest)
- Time limit: 120 minutes
- Passing: 70% of questions correct
- Exam fee: $67 examination fee (Accident/Sickness Agent, 12-GA-03)
- Prelicensing: 8-hour Accident and Sickness prelicensing course taken within the last 12 months (16 hours - Life plus Accident & Sickness - for the combined licence); CLU, FLMI, or a BBA/PhD in insurance exempts the course
Verified July 2026 from the Pearson VUE Georgia Insurance Licensing Candidate Handbook (April 2026, #121100; question counts from GA Content Outlines #121102, effective Oct 22, 2024). Always confirm with the current official candidate handbook.
Take your first mock exam cold, before studying - it maps your weak topics while you still have time to fix them. Then drill those topics in quiz mode and re-test.
Georgia Health Insurance Exam Topics
Free Georgia Health Practice Questions with Answers
12 sample questions from the 312-question Health bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.
- A. 12 hours, including 2 hours of ethics
- B. 20 hours, including 3 hours of ethics
- C. 24 hours, including 3 hours of ethics
- D. 30 hours, including 4 hours of ethics
Correct answer: C. 24 hours, including 3 hours of ethics
Explanation: Georgia resident licensees who have been licensed for less than 20 years must complete a minimum of 24 hours of approved continuing education each biennium, three of them in ethics, on or before the last day of the licensee's birth month. Licensees continually licensed for 20 years or more need 20 hours, still including three hours of ethics. See Ga. Comp. R. & Regs. 120-2-3-.15 and O.C.G.A. 33-23-18.
- A. $100,000
- B. $300,000
- C. $500,000
- D. $1,000,000
Correct answer: C. $500,000
Explanation: The association's coverage is $500,000 for health benefit plans, and $300,000 each for disability income insurance, long-term care insurance and other health insurance. The general aggregate for any one life is $300,000, but for health benefit plans the aggregate rises to $500,000 per individual. See O.C.G.A. 33-38-7.
- A. 7 days
- B. 10 days
- C. 30 days
- D. 31 days
Correct answer: B. 10 days
Explanation: Georgia's required grace period provision for individual accident and sickness policies is 7 days for weekly-premium policies, 10 days for monthly-premium policies and 30 days for all other premium modes. Note that Georgia uses 30 days, not the 31 days found in some other states. See O.C.G.A. 33-29-3.
- A. One year
- B. Two years
- C. Three years
- D. Five years
Correct answer: B. Two years
Explanation: The required time limit on certain defenses provides that after two years from the date of issue, and in the absence of fraud, no misstatement made by the applicant may be used to void the policy or deny a claim for loss incurred after that two-year period. See O.C.G.A. 33-29-3.
- A. Optionally renewable
- B. Conditionally renewable
- C. Noncancelable
- D. Cancelable at will
Correct answer: C. Noncancelable
Explanation: A noncancelable policy generally cannot be canceled by the insurer during the stated term as long as premiums are paid, and premiums usually cannot be changed for that policy alone.
- A. The right to refuse renewal at any anniversary if the insured's health has declined
- B. The right to raise an individual insured's premium based on claims experience
- C. The right to add exclusions for conditions that develop after the policy is issued
- D. The right to change premiums by class, subject to policy terms and law
Correct answer: D. The right to change premiums by class, subject to policy terms and law
Explanation: Guaranteed renewable coverage generally requires the insurer to renew the policy if premiums are paid, but premiums may be changed for a class of insureds under the policy terms.
- A. Choose not to renew on a policy anniversary or premium due date, subject to the contract
- B. Renew only if the insured has no claims
- C. Cancel during the grace period only
- D. Never increase premiums
Correct answer: A. Choose not to renew on a policy anniversary or premium due date, subject to the contract
Explanation: Optionally renewable policies give the insurer more discretion not to renew at specified times, subject to the policy language and applicable rules.
- A. To delay payment of benefits after a disability begins
- B. To delay coverage for certain illnesses after the policy starts
- C. To delay the insurer's right to contest the application
- D. To delay coverage for accidental injury once the policy starts
Correct answer: B. To delay coverage for certain illnesses after the policy starts
Explanation: A probationary period is a waiting period after policy issuance before coverage begins for certain sicknesses, helping the insurer avoid immediate claims for existing conditions.
- A. It limits the insured's ability to sue the insurer over a denied claim once a specified period has passed after proof of loss is filed
- B. It limits the time the insured has to give notice and file proof of loss before the insurer may deny the claim for late filing
- C. It limits the insurer's ability to deny claims based on misstatements after a specified period, except as allowed by the policy and law
- D. It allows the insurer to rescind the policy for any misstatement at any time, provided the misstatement was material to the risk
Correct answer: C. It limits the insurer's ability to deny claims based on misstatements after a specified period, except as allowed by the policy and law
Explanation: The time limit on certain defenses provision restricts how long an insurer may use certain application misstatements to deny claims, while still allowing exceptions such as fraud where permitted.
- A. How a policy may be renewed at each anniversary
- B. How a claim is paid after a policy has lapsed
- C. How overdue premiums are waived during disability
- D. How a lapsed policy may be put back in force
Correct answer: D. How a lapsed policy may be put back in force
Explanation: Reinstatement provisions explain the conditions under which a lapsed health policy may be restored, such as application, premium payment, and insurer approval rules.
- A. To let the insured pay a premium shortly after the due date while coverage may remain in force
- B. To let the insured return the policy shortly after delivery and receive a full premium refund
- C. To let the insurer delay paying a claim shortly after proof of loss while it investigates
- D. To let the insured skip a premium without owing it later while the policy stays in force
Correct answer: A. To let the insured pay a premium shortly after the due date while coverage may remain in force
Explanation: A grace period gives the policyowner limited extra time to pay a premium after its due date. Coverage handling depends on policy terms and applicable law.
- A. The insurer may require a medical examination before renewing the policy at each anniversary
- B. The insurer may require reasonable medical examinations related to a claim while it is pending
- C. The insured may demand an independent examination at the insurer's expense before a claim is denied
- D. The insurer may order an autopsy after a death claim even where state law prohibits it
Correct answer: B. The insurer may require reasonable medical examinations related to a claim while it is pending
Explanation: This provision allows the insurer to require reasonable examinations related to a claim, and autopsy where not prohibited by law, to verify claim information.
Want to study offline? Download the free Health questions & answers PDF.
Frequently Asked Questions
Other Insurance Exams in Georgia
Prepare for multiple insurance licenses in Georgia
Health Insurance Exams in Nearby States
Planning to get licensed in multiple states? Practice for neighboring state exams too.
Official Georgia Insurance Resources
Important external links for Georgia insurance licensing information
Georgia Office of Insurance
Official state regulator for insurance licensing, requirements, and exam information.
Georgia Office of Insurance
Georgia's insurance regulator - licensing requirements, applications, and consumer information.
Pearson VUE - Insurance Exams
Official testing vendor for this state's insurance licensing exams - scheduling, locations, and policies.
Official Candidate Handbook / Content Outline
Pearson VUE Georgia Insurance Licensing Candidate Handbook (April 2026 - exam structure, fees, and the authoritative topic outline.
NAIC - National Association of Insurance Commissioners
The standard-setting and regulatory support organization for state insurance regulators.
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