Georgia Life and Health Insurance Practice Exam Free - 2026
Georgia calls its health line "Accident and Sickness", so the combined exam is officially the Life, Accident and Sickness Agent COMBO. One 2.5-hour sitting covers what the separate Life Agent and Accident and Sickness Agent exams test, with 125 scored questions instead of two 80-question exams.
How the Georgia life and health exam works
Georgia's outline is unusually heavy on state law: 19 of the 125 scored questions come from the "Georgia laws, rules and regulations pertinent to life, accident and sickness" section, plus 3 life-only and 3 accident-and-sickness-only code questions. Expect cited references to Title 33 of the Official Code of Georgia and the Commissioner's Regulation 120-2.
- Vendor: Pearson VUE
- Questions: 135 questions: 125 scored + 10 pretest
- Time limit: 2.5 hours
- Passing: 70% of questions correct
- Exam fee: $67 per examination
- Prelicensing: 8-hour Life course and 8-hour Accident and Sickness course, both taken within the last 12 months (16 hours in total; CLU, FLMI, a BBA or PhD in insurance exempts the education requirement)
Verified September 2026 from the Georgia Insurance Content Outlines (Pearson VUE #121102, effective October 22, 2024) and the Georgia Candidate Handbook (#121100). Requirements change - confirm with the current handbook before you book.
Official content outline: what the Georgia exam tests
Sections and weights exactly as the outline lists them (Georgia Insurance Content Outlines).
| Outline section | Questions / weight |
|---|---|
| Life: Types of policies | 15 |
| Life: Policy riders, provisions, options and exclusions | 15 |
| Life: Completing the application, underwriting and delivering the policy | 12 |
| Life: Retirement and other insurance concepts | 8 |
| Accident & Sickness: Types of policies | 16 |
| Accident & Sickness: Policy provisions, clauses and riders | 15 |
| Social insurance | 6 |
| Accident & Sickness: Other insurance concepts | 5 |
| Accident & Sickness: Field underwriting procedures | 8 |
| Georgia laws, rules and regulations pertinent to life, accident & sickness | 19 |
| Georgia rules and codes pertinent to life insurance only | 3 |
| Georgia rules and codes pertinent to accident & sickness only | 3 |
The Georgia law section
The Georgia law section covers the Insurance Department and Commissioner (O.C.G.A. 33-2), general definitions such as domestic, foreign and alien insurers, licensing of agents and counselors (33-23), unfair trade practices including rebating, twisting, churning and controlled business (33-6), fiduciary responsibility for premiums (33-23-35), and the Georgia Life and Health Insurance Guaranty Association (33-38). Life-only items add replacement rules (Reg. 120-2-24) and advertising; accident-and-sickness-only items add Medicare supplement (Reg. 120-2-8) and long-term care (33-42).
Content last reviewed July 29, 2026. Practice questions on this site are original, written against the published outlines; they are not actual exam questions.
Practice both halves of the exam
A combined exam draws on two outlines, so the practice is two banks: 276 life questions and 280 health questions, each with an explanation. Take the timed mock exam for each line, then drill weak topics in quiz mode.
Life insurance half
Want one session that mixes both? The custom test builder lets you pick topics from either line and set your own question count.
More Georgia practice exams
Life and health exams in other states
Georgia life and health exam FAQs
What is the Georgia Life, Accident and Sickness COMBO exam?
It is Georgia's combined life and health licensing exam: 125 scored questions plus 10 pretest questions in 2.5 hours, passing at 70%, $67 per attempt through Pearson VUE.
How much Georgia law is on the combined exam?
25 of the 125 scored questions: 19 on laws common to life, accident and sickness, 3 on life-only codes, and 3 on accident-and-sickness-only codes.
Is the combined exam harder than the separate ones?
It is longer, not harder. The sections and weights match the two single-line outlines; the passing score is the same 70%.