Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states and DC.

How many questions are included in the practice tests?

We offer over 900 practice questions - 276 for Life, 280 for Health, and 384 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

Is there a free insurance license practice test for my state?

Yes. Every state page offers a free insurance license practice test in three modes - a timed mock exam that mirrors your state's real question count and time limit, an instant-feedback quiz, and review mode - for Life, Health, and Property & Casualty. No account is needed.

Do you have a life and health insurance practice exam?

Yes. The life and health exam page covers the states that test both lines in one sitting (Texas, Ohio, Georgia, Florida and New York) with verified exam facts, and links to both practice banks so you can prepare for the combined exam.

A Georgia resident agent has held an accident and sickness license for five years. How much continuing education must the agent complete during each two-year license period?

24 hours, including 3 hours of ethics

12 hours, including 2 hours of ethics

20 hours, including 3 hours of ethics

30 hours, including 4 hours of ethics

In a guaranteed renewable health policy, what right does the insurer usually keep?

The right to change premiums by class, subject to policy terms and law

The right to refuse renewal at any anniversary if the insured's health has declined

The right to raise an individual insured's premium based on claims experience

The right to add exclusions for conditions that develop after the policy is issued

What does an optionally renewable health policy allow the insurer to do?

Choose not to renew on a policy anniversary or premium due date, subject to the contract

Renew only if the insured has no claims

Cancel during the grace period only

What is the main purpose of a probationary period in a health insurance policy?

To delay coverage for certain illnesses after the policy starts

To delay payment of benefits after a disability begins

To delay the insurer's right to contest the application

To delay coverage for accidental injury once the policy starts

Which statement best describes the time limit on certain defenses provision?

It limits the insurer's ability to deny claims based on misstatements after a specified period, except as allowed by the policy and law

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

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

It allows the insurer to rescind the policy for any misstatement at any time, provided the misstatement was material to the risk

What does a reinstatement provision usually address?

How a lapsed policy may be put back in force

How a policy may be renewed at each anniversary

How a claim is paid after a policy has lapsed

How overdue premiums are waived during disability

Under many health policies, what is the purpose of a grace period?

To let the insured pay a premium shortly after the due date while coverage may remain in force

To let the insured return the policy shortly after delivery and receive a full premium refund

To let the insurer delay paying a claim shortly after proof of loss while it investigates

To let the insured skip a premium without owing it later while the policy stays in force

What does the physical examination and autopsy provision usually permit?

The insurer may require reasonable medical examinations related to a claim while it is pending

The insurer may require a medical examination before renewing the policy at each anniversary

The insured may demand an independent examination at the insurer's expense before a claim is denied

The insurer may order an autopsy after a death claim even where state law prohibits it

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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 252+ 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

252+ Questions

Unlimited Practice

Georgia Specific

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. Last updated July 29, 2026

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.

Georgia life and health exam guide

Georgia life insurance practice test

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Georgia Health Exam Info

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.

Georgia Office of Insurance

More Georgia Tests

Study Tip

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

Affordable Care Act

Coordination & Other Concepts

Disability Income Insurance

Ethics & Regulations

Field Underwriting & Applications

General Principles & Contract Law

Group Health Insurance

Health Insurance Basics

HIPAA & Privacy

Managed Care (HMO/PPO/POS)

Medical Expense Insurance

Medicare & Medicaid

Medicare Supplement & Advantage

Policy Provisions

Prescription Drug Coverage

State Health Programs

Taxation of Health Insurance

Types of Health Policies

Underwriting & Risk

Uniform Policy Provisions

State Insurance Law

Free Georgia Health Practice Questions with Answers

12 sample questions from the 252-question Health bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

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

Life Insurance

Georgia Exam

Property & Casualty

Georgia Exam

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.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

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Choose a practice mode above and begin your free Georgia Health Insurance exam preparation today.

Learn more about exam preparation:

How to Pass Your Insurance Exam Free Q&A PDFs All Articles

Georgia Health Insurance Practice Exam Free - 2026

How the Georgia Health Insurance exam compares

Official content outline: what the Georgia Health exam tests

Georgia state law on the exam: 30 of the 80 scored questions (24 general Georgia law + 6 accident-and-sickness-only)

Preparing for the Georgia Life, Accident and Sickness COMBO?

Choose Your Practice Mode

Georgia Health Insurance Exam Topics

Free Georgia Health Practice Questions with Answers

Question 1: A Georgia resident agent has held an accident and sickness license for five years. How much continuing education must the agent complete during each two-year license period?

Question 2: If a Georgia health insurer becomes insolvent, the Georgia Life and Health Insurance Guaranty Association covers a health benefit plan up to what amount for any one individual?

Question 3: A Georgia individual accident and sickness policy with premiums payable monthly must allow at least how long a grace period?

Question 4: In Georgia, after an individual accident and sickness policy has been in force for how long may the insurer no longer use a non-fraudulent misstatement in the application to void the policy or deny a claim?

Question 5: Which health policy renewability provision gives the insurer the least ability to cancel coverage during the policy term?

Question 6: In a guaranteed renewable health policy, what right does the insurer usually keep?

Question 7: What does an optionally renewable health policy allow the insurer to do?

Question 8: What is the main purpose of a probationary period in a health insurance policy?

Question 9: Which statement best describes the time limit on certain defenses provision?

Question 10: What does a reinstatement provision usually address?

Question 11: Under many health policies, what is the purpose of a grace period?

Question 12: What does the physical examination and autopsy provision usually permit?

Frequently Asked Questions

How many questions are on the Georgia Health Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Georgia insurance exam?

Can I take the practice test on my phone?

How much Georgia state law is on the Health Insurance exam?

Other Insurance Exams in Georgia

Health Insurance Exams in Nearby States

Official Georgia Insurance Resources

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