Can you get licensed in Georgia?
The bar to start is refreshingly low. You need to be at least 18 years old and either a Georgia resident or have a Georgia business address.
Georgia also runs a character review — a license can be refused for grounds listed in O.C.G.A. § 33-23-21 — which is exactly why the fingerprint background check exists. Nothing to do here but be honest on the application.
The 16-hour pre-licensing course
Georgia requires 16 hours of state-approved pre-licensing for the combined Life & Accident & Sickness path. It's one of the shortest requirements in the country — Georgia dropped it from 20 hours per line in 2025.
Take the course through an OCI-approved provider, pass its proctored final at 70% or better, and you'll get a Certificate of Completion that's good for 12 months. You need that certificate before Pearson VUE will seat you.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-life-health/purchase#a_aid=getthelicense) to satisfy your Georgia pre-licensing requirement. Achievable is an approved provider, its insurance courses were built by the same subject-matter expert behind TESTivity, and completing the Achievable course earns you the certificate of completion Georgia requires.
One important distinction: TESTivity is not an approved pre-licensing provider in Georgia and does not issue certificates of completion. The TESTivity learning tools and study packages will absolutely help you pass the exam — but treat them as a supplement to your Achievable course, not a substitute for it.
Disclosure: TESTivity has a partnership with Achievable and may earn a commission if you enroll through links on this page.
What the combined exam looks like
The combined Life/Accident & Sickness Agent exam (12-GA-05) is 125 scored questions plus 10 unscored pretest questions, with 2 hours 30 minutes on the clock. You need 70% of the scored questions right.
Those 10 pretest questions are mixed in and unmarked — Pearson VUE is trialing them for future exams and they don't count. Don't waste energy trying to spot them; just answer everything.
Prefer to split it up? You can sit the Life (12-GA-01) and Accident & Sickness (12-GA-02) exams separately at 80 scored questions each. Same 70% bar, two trips to the test center.
Where the 125 questions come from
The combined outline blends the Life and the A&S material, then adds Georgia law. Rough scored-question weights:
Life — Types of policies (15) · Riders, provisions, options & exclusions (15) · Completing the application, underwriting & delivery (12) · Retirement & other concepts (8).
Accident & Sickness — Types of policies (16) · Provisions, clauses & riders (15) · Social insurance (6) · Other concepts (5) · Field underwriting (8).
Georgia law — Laws, rules & regs for L,A&S (19) · Rules for Life only (3) · Rules for A&S only (3). That's 25 of 125 questions on Georgia-specific material, so don't treat the state chapter as an afterthought.
Booking your exam with Pearson VUE
Reserve online at the Georgia Pearson VUE page or by phone at (800) 274-0488. Book at least 24 hours before the date you want — there are no walk-in exams.
You can test at a Pearson VUE center or, in most cases, online with OnVUE remote proctoring. Either way, get there (or log in) 30 minutes early and bring two forms of current signature ID — the primary one has to be government-issued with a photo.
Fail it? You can rebook the next day, but you'll wait 14 days to retest after the first and second attempts, and 60 days after the third and any further attempts. There's no cap on total attempts.
What it costs, start to finish
Pre-licensing course: varies by provider, generally $100-$300 for the 16 hours.
Exam: $67 per attempt, paid to Pearson VUE when you reserve.
Fingerprints: roughly $30-$50 at IdentoGO, paid at your appointment.
License application: $100 plus a $20 processing fee through Sircon.
All in, most candidates land somewhere around $290-$540 if they pass on the first try.
From passing score to active license
Passing the exam is the milestone, not the finish line. Apply for your Life & Accident & Sickness Agent license online at sircon.com/georgia (NIPR also works). The state license fee is $100 plus a $20 processing fee.
Two attachments trip people up, so handle them up front: a notarized Citizenship Affidavit (GID-276-EN) with a copy of acceptable ID, and your electronic fingerprints through IdentoGO. Submit the Sircon application first, then register to fingerprint at ga.state.identogo.com/ata.
If your packet is incomplete, OCI sends a single deficiency notice and gives you 60 days to fix it. Miss that window and the application closes and the fee is gone — so upload everything the first time.
Keeping the license active
Georgia agent licenses run two years and expire on the last day of your birth month. Because of that, your very first license term runs anywhere from 18 to 29 months depending on when in the year you're licensed.
Continuing education is 24 hours per 2-year cycle, with 3 of those in Ethics, for anyone licensed under 20 years. Hit the 20-year mark and it drops to 20 hours (still 3 Ethics). Professional designations like your CLU, ChFC, or CFP cut the requirement further.
Renew through Sircon or NIPR. There's a 15-day grace window after expiration (with a late fee); past that you're into reinstatement.
Quick Reference
Official Links
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