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.

How many questions are included in the practice tests?

We offer over 800 practice questions - 240 for Life, 240 for Health, and 330 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.

For federal income tax purposes, life insurance death benefits paid in a lump sum to a beneficiary are generally:

taxed only if the insured was under age 65

always taxed as ordinary income

paid only after a probate court approves the insurer

Which part of a life insurance settlement option may be taxable to the beneficiary?

Interest earned on retained proceeds

The beneficiary designation itself

Cash value growth inside a permanent life insurance policy is generally taxed:

on a tax-deferred basis while it remains in the policy

at the same rate as property insurance claims

only when the producer renews a license

A policyowner withdraws more than the cost basis from a life insurance policy. The excess is generally treated as:

an automatic beneficiary change

Life insurance policy loans are generally:

not taxable when taken, if the policy remains in force

always taxable in full immediately

illegal in all permanent policies

Premiums paid for an individual life insurance policy are generally:

not deductible as a personal expense

deducted only by the beneficiary

fully deductible by every policyowner

Which phrase best describes the tax treatment of qualified retirement annuity contributions?

They may receive special tax treatment under retirement-plan rules

They are always treated exactly like homeowners claims

They automatically avoid all future taxes

A modified endowment contract, or MEC, is important because it can change:

the tax treatment of distributions from the policy

the type of property covered by the policy

the name of the state insurance department

Which statement about estate taxation and life insurance is the safest general exam concept?

Ownership and incidents of ownership can affect whether proceeds are included in an estate

Life insurance is never considered in any estate situation

Estate tax rules apply only to term insurance

Only the producer decides estate tax treatment

Group life insurance is typically issued under:

a master policy issued to the group sponsor

a court order after the insured dies

a separate policy mailed to each beneficiary only

In employer group life insurance, the individual covered employee usually receives:

the insurer's corporate charter

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Georgia Life 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 240+ free Life Insurance questions with detailed explanations.

240+ Questions

Unlimited Practice

Georgia Specific

How the Georgia Life Insurance exam compares

The Georgia Life exam is 90 questions, 120 minutes, a 70% cut score. The examination fee is $67.

Georgia requires 16 hours of prelicensing education before you can take the exam.

Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL. 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.

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Georgia Life 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 (Life Agent, 12-GA-02)
Prelicensing: 16 hours combined (8 Property + 8 Casualty)

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 Life Insurance Exam Topics

Advanced Policy Types

Advanced Taxation (1035, MEC, Annuities)

Annuities

Annuity Payouts & Suitability

Beneficiaries & Settlements

Business Uses of Life Insurance

Ethics & Regulations

General Principles & Contract Law

Group Life Insurance

Life Insurance Basics

Life Settlements & Viaticals

Policy Dividends

Policy Provisions & Options

Policy Riders

Qualified & Retirement Plans

Social Security Benefits

Taxation of Life Insurance

Types of Life Policies

Underwriting & Risk

Universal Life Insurance

Whole Life Insurance

State Insurance Law

Free Georgia Life Practice Questions with Answers

12 sample questions from the 240-question Life bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Life questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Georgia

Prepare for multiple insurance licenses in Georgia

Health Insurance

Georgia Exam

Property & Casualty

Georgia Exam

Life 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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Georgia Life Insurance Practice Exam Free - 2026

How the Georgia Life Insurance exam compares

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Georgia Life Insurance Exam Topics

Free Georgia Life Practice Questions with Answers

Question 1: For federal income tax purposes, life insurance death benefits paid in a lump sum to a beneficiary are generally:

Question 2: Which part of a life insurance settlement option may be taxable to the beneficiary?

Question 3: Cash value growth inside a permanent life insurance policy is generally taxed:

Question 4: A policyowner withdraws more than the cost basis from a life insurance policy. The excess is generally treated as:

Question 5: Life insurance policy loans are generally:

Question 6: Premiums paid for an individual life insurance policy are generally:

Question 7: If a life insurance policy is surrendered for more than the policyowner's cost basis, the gain is generally:

Question 8: Which phrase best describes the tax treatment of qualified retirement annuity contributions?

Question 9: A modified endowment contract, or MEC, is important because it can change:

Question 10: Which statement about estate taxation and life insurance is the safest general exam concept?

Question 11: Group life insurance is typically issued under:

Question 12: In employer group life insurance, the individual covered employee usually receives:

Frequently Asked Questions

How many questions are on the Georgia Life 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?

Other Insurance Exams in Georgia

Life Insurance Exams in Nearby States

Official Georgia Insurance Resources

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Life practice tests by state