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 1300 practice questions - 401 for Life, 400 for Health, and 534 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 agent is taking an application that will replace an existing life policy. By when must the agent present the Notice Regarding Replacement to the applicant?

Not later than at the time of taking the application

Within 10 working days after the application is signed

Only if the applicant asks about replacement

Under Georgia's replacement regulation, a replacing insurer must keep its replacement register and copies of replacement notices for at least how long?

Three years, or until the next regular examination by its domiciliary insurance department, whichever is later

A Georgia resident buys a life policy on an acquaintance with whom he has no financial or family relationship, naming himself beneficiary. Under Georgia's insurable interest statute, what is the result?

The contract is void, and the insurer must refund the premiums paid without interest

The contract is valid as long as the insured signed the application

The contract is valid but the death benefit is paid to the insured's estate

The contract is voidable only if the insured objects within two years

Under Georgia law, which of the following may take out life insurance on another adult without that person's written consent?

One spouse on the life of the other spouse

A creditor on the life of a debtor

A business partner on the life of another partner

An adult child on the life of a parent

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

as ordinary income in the year the interest is credited

as a capital gain reported annually by the policyowner

as fully tax-exempt income, including any gain taken at surrender

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

taxable as ordinary income in the year the loan is received

taxable to the beneficiary when the death benefit is later paid

limited to the premiums paid and free of interest charges

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 taxed in the year contributed and again when distributed

They are treated the same as premiums on a nonqualified annuity

They produce earnings that are taxed annually as ordinary income

100% Free - No Registration Required

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 313+ free Life Insurance questions with detailed explanations.

Exam quick facts. The Georgia Life 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

313+ 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 an 8-hour Life prelicensing course taken within the 12 months before the exam (16 hours for the combined Life, Accident and Sickness licence).

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.

Official content outline: what the Georgia Life exam tests

Georgia Life Agent examination (12-GA-02)

80 scored + 10 pretest questions, 2 hours

Outline section	Questions / weight
Types of policies	15
Policy riders, provisions, options and exclusions	15
Completing the application, underwriting and delivering the policy	12
Retirement and other insurance concepts	8
Georgia laws, rules and regulations pertinent to life, accident and sickness insurance	24
Georgia rules and codes pertinent to life insurance only	6

Georgia state law on the exam: 30 of the 80 scored questions (24 general Georgia law + 6 life-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: fiduciary responsibility and commingling (33-23-35); the Georgia Life and Health Insurance Guaranty Association (33-38-1 to 33-38-10)
Life only: replacement (Reg. 120-2-24; 33-24-6.1), advertising and solicitation (Reg. 120-2-11, 120-2-31; 33-25, 33-27), insurable interest (33-24-6)

Thirty of the eighty scored questions are Georgia law, and the outline names the exact Code sections behind each topic. The state-law questions on this page were written from those citations, so a candidate who works through them meets the same statutes the exam draws on.

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.

Sitting Georgia's Life, Accident and Sickness COMBO exam?

Georgia offers a single combined exam, the Life, Accident and Sickness Agent COMBO (Pearson VUE 12-GA-06): 125 scored questions plus 10 pretest in 2.5 hours, 70% to pass, $67 per attempt. Its outline is the two single-line outlines joined, with 25 questions on Georgia law.

This page drills the life half. Pair it with the Georgia health practice test for the accident and sickness half, and see the combined-exam guide for every section weight.

Georgia life and health exam guide

Georgia health insurance practice test

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50-150 questions
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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: 8-hour Life 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 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 313-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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Choose a practice mode above and begin your free Georgia Life Insurance exam preparation today.

Learn more about exam preparation:

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

Georgia Life Insurance Practice Exam Free - 2026

How the Georgia Life Insurance exam compares

Official content outline: what the Georgia Life exam tests

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

Sitting Georgia's Life, Accident and Sickness COMBO exam?

Choose Your Practice Mode

Georgia Life Insurance Exam Topics

Free Georgia Life Practice Questions with Answers

Question 1: A Georgia agent is taking an application that will replace an existing life policy. By when must the agent present the Notice Regarding Replacement to the applicant?

Question 2: Under Georgia's replacement regulation, a replacing insurer must keep its replacement register and copies of replacement notices for at least how long?

Question 3: A Georgia resident buys a life policy on an acquaintance with whom he has no financial or family relationship, naming himself beneficiary. Under Georgia's insurable interest statute, what is the result?

Question 4: Under Georgia law, which of the following may take out life insurance on another adult without that person's written consent?

Question 5: For federal income tax purposes, life insurance death benefits paid in a lump sum to a beneficiary are generally:

Question 6: Which part of a life insurance settlement option may be taxable to the beneficiary?

Question 7: Cash value growth inside a permanent life insurance policy is generally taxed:

Question 8: A policyowner withdraws more than the cost basis from a life insurance policy. The excess is generally treated as:

Question 9: Life insurance policy loans are generally:

Question 10: Premiums paid for an individual life insurance policy are generally:

Question 11: If a life insurance policy is surrendered for more than the policyowner's cost basis, the gain is generally:

Question 12: Which phrase best describes the tax treatment of qualified retirement annuity contributions?

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?

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

Other Insurance Exams in Georgia

Life Insurance Exams in Nearby States

Official Georgia Insurance Resources

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Life practice tests by state