Georgia Life & Health Study Guide
Failed the Georgia Life & Health exam? There's a good chance it wasn't you.
The most common complaint from people who don't pass isn't the test — it's the study material. And the part they point to most? The state regulations: a few generic, watered-down national pages that looked nothing like the real Georgia exam. TESTivity is built the other way around. Below is a real chapter from the Georgia Life & Health manual — written for Georgia specifically, not national prep with a state name slapped on the cover. Read it and see the difference for yourself.
Georgia · Life & Health Sample chapter
Chapter 15.2.2 Georgia Insurance Regulations
Georgia is the largest insurance market in the Southeast and a major life-insurance hub — and it regulates a little differently than its neighbors. Most of the life provisions follow the NAIC model, so Georgia’s testable specifics cluster in three spots: who the regulator is (and how they got the job), two life numbers, and a handful of distinctive health facts. Let’s lock those in.
Who regulates — an elected commissioner who also runs fire safety
Georgia insurance runs through the Office of Insurance and Fire Safety (OCI) — yes, the same office handles insurance and fire-safety regulation, which is unusual. And the Insurance Commissioner isn’t appointed: in Georgia the Commissioner is an elected constitutional officer, chosen by voters to a 4-year term and independent of the Governor (Georgia is one of about a dozen elected-commissioner states, alongside California, North Carolina, and Washington). The laws live in Title 33 of the O.C.G.A.
Pre-licensing is 40 hours per line; CE is the standard 24 hours every 2 years with 3 of ethics. One Georgia extra: the Insurance Counselor license, for people who charge fees to advise on insurance without selling it (Georgia’s version of California’s Life Analyst). The guaranty association (GLHIGA) uses the standard NAIC limits.
The life provisions — two numbers in the FL/TX cluster
Standard bones: 2-year incontestability (O.C.G.A. § 33-25-8), 3-year reinstatement, C-R-E nonforfeiture, 2-year suicide exclusion. The two Georgia numbers to memorize:
- Grace period: 31 days — one longer than the usual 30 (Georgia shares this with Florida and Texas).
- Replacement free look: 20 days — shorter than the NAIC’s 30 (shared with Texas and Pennsylvania). New policy is still 10.
Health — the most restrictive ASD cap in the set
Georgia’s health rules have a few distinctive edges:
- Its ASD (ABA therapy) mandate caps at age 6 — the most restrictive cap among states with an ASD mandate (compare: CA/CO/IL no cap; PA/AZ 21; FL 18; TX ~10).
- Its CHIP program is PeachCare for Kids.
- Georgia didn’t take full Medicaid expansion; instead it runs Pathways to Coverage, the only work-requirement Medicaid program in the country.
- A Georgia-specific mandate covers a second opinion when a plan covers a mastectomy.
Key terms so far
- OCI
- Office of Insurance and Fire Safety — Georgia’s regulator; commissioner is elected.
- Insurance Counselor license
- Georgia license for fee-based insurance advice without selling.
- PeachCare for Kids
- Georgia’s CHIP program name.
Continuation — the shortest in the set
One last Georgia number: small-employer continuation (mini-COBRA) runs only about 3 months — the shortest of any state here. Stack it against the others so the comparison sticks: Georgia 3, Texas/PA 9, Illinois 12, then 18 for most, and California and New York at the top with
That's a taste of the real thing.
The full Life & Health study manual covers every exam topic in this same plain-English voice — every rule, every memory Hook, every worked example. Want the video course and full exam simulator too? They come with the Platinum study package.