How to Get Your Georgia Insurance License in 2026
Compare 4 GA OCI-approved insurance pre-licensing schools. See costs, Pearson VUE exam details, and get your Georgia insurance license fast — Life & Health, P&C, or Personal Lines.
Course Cost
$110 – $299
Time to License
3 – 8 weeks
Avg GA Salary
$55,587/yr
Required Hours
8 – 16 hours
Top 3 Georgia Insurance Pre-Licensing Schools
1. WebCEBest Budget
Lowest prices in GA: Life & Health and P&C starting at $109.95. GA OCI-approved provider (#159132) with Exam Prep Plus option at $159.95.
From $109.95
GA OCI-approved
2. ExamFXBest Pass Rate
Industry-leading 94–99% pass rates across all GA lines. GA OCI-approved provider (#117782). Three tiers: Self-Study, Video, and Live Online.
From $169.95
94–99% pass rate
3. Kaplan Financial Education
Most comprehensive course library. Four tiers for all GA lines ($139–$349) including Career Launcher with Money-Back Guarantee. Established industry brand.
From $139
4 tiers available
Best Georgia Insurance Pre-Licensing Courses
All 5 schools are Georgia OCI-approved. Price: Low to High.
Quick Price Comparison (Course Only)
WebCE
Best BudgetStarting at
$109.95
- Most affordable: Life & Health from $109.95 — lowest of any GA provider
- GA OCI-approved provider (#159132)
- Two tiers: Exam Prep ($109.95) and Exam Prep Plus ($159.95)
- Life & Health, P&C, and Personal Lines tracks all available
- GA OCI-approved prelicensing (#159132) -- completions reported to state
Available Packages (7)
Life & Health Exam Prep Complete Package (40 hrs)
- GA Life & Accident/Health pre-licensing (40 hrs)
- Practice exams and study tools included
- GA OCI-approved certificate of completion
- Online self-paced format
Kaplan Financial Education
Starting at
$139
- Most comprehensive library — 4 tiers for L&H, P&C, and Personal Lines
- Career Launcher includes Insurance Accelerator Course + Money-Back Guarantee
- GA OCI-approved — established industry brand
- Basic $139 | Essential $189 | EssentialPlus $249 | Career Launcher $349
Available Packages (12)
Life & Health — Basic
- GA Life & Health pre-licensing course
- QBank practice questions
- Study tools included
- GA OCI-approved certificate
ExamFX
Best Pass RateStarting at
$169.95
- Highest pass rates: 94–99% across all GA insurance lines
- GA OCI-approved provider (#117782)
- Three tiers: Self-Study, Video, and Live Online
- Includes Readiness Exam, Flashcards & Instructor Support
Available Packages (9)
Life & Health — Self-Study Package
- GA Life & Health pre-licensing course
- Interactive study portal + exam simulations
- Readiness exam + flashcards
- GA OCI-approved certificate (#117782)
A.D. Banker
Pass GuaranteeStarting at
$169.95
- State-approved prelicensing provider -- reports completions to regulator
- Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85)
- Pass Guarantee included on every package
- Industry-leading insurance educator
Available Packages (3)
Silver -- Online Course
- Full online course
- Unlimited chapter exams
- Simulated licensing exams
- Pass Guarantee
- PDF study manual
Xcel Solutions
Starting at
$199
- Two clear tiers: Standard $199 / Premier $299 per line
- All 3 GA tracks: Life & Health, P&C, Personal Lines
- GA OCI-approved (Colibri Group)
- Recorded Review Class + Flashcards + Prepared to Pass Promise
Available Packages (6)
Life & Health — Standard
- GA Life & Health pre-licensing (20–40 hrs)
- 3-Part Training System + Recorded Review Class
- Flashcards + Prepared to Pass Promise
- GA OCI-approved certificate
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Is a Georgia Insurance License?
A Georgia insurance license is a state-issued credential required by the Georgia Office of Insurance and Safety Fire Commissioner (OCI) to legally sell insurance products in Georgia. All agents must complete OCI-approved pre-licensing education, pass the Pearson VUE exam, complete a fingerprint background check through IdentoGO, submit a notarized Citizenship Affidavit, and apply through NIPR or Sircon.
Georgia has one of the shortest pre-licensing requirements in the country — just 8 hours per line of authority, compared to 20–90 hours in most other states. The most common licenses are the Life & Accident/Health Agent license (16 hours combined) covering life, annuities, and health products, and the Property & Casualty Agent license (16 hours combined) covering auto, home, commercial, and liability insurance.
Life & Health
16 hours (combo) or 8 hrs each
Life, annuities, health & disability
Property & Casualty
16 hours (combo) or 8 hrs each
Auto, home, commercial & liability
Personal Lines
8 hours required
Personal auto, homeowners & renters
How Much Do Georgia Insurance Agents Earn?
GA State Average
$55,587/yr
Source: Salary.com (November 2025)
Atlanta Metro Average
$75,818/yr
Indeed.com (2024) — experienced agents up to $116K+
Commission Structure
Life Insurance
- • First-year commission: 40–100% of annual premium
- • Renewal commission: 2–10% per year
- Example: $1,000/yr policy at 70% = $700 earned
Property & Casualty
- • New policy commission: 10–20% of premium
- • Renewal commission: 8–12% of premium
- Example: $2,000/yr auto at 12% = $240/policy
Salary Range by Career Stage
Entry Level
$35,000
First 1–2 years
Mid-Career
$55,587
GA state average
Top Producers
$120,000+
Atlanta commercial agents
Top GA Insurance Markets
Is a Georgia Insurance License Worth It?
👍 Pros
- + One of the Shortest Pre-Licensing Requirements: Just 8 hours per line — you can complete coursework in a single day and test within the same week.
- + Affordable to Start: Pre-licensing courses start at $109.95 (WebCE) — total cost for a single license is ~$383–$548.
- + Major Carrier Presence: Atlanta has regional offices for major carriers; Aflac is headquartered in Columbus — strong hiring demand statewide.
- + Multiple License Tracks: Life & Health, P&C, and Personal Lines — stack licenses to maximize your earning potential.
👎 Cons
- - Commission-Dependent: Most insurance agents earn primarily through commissions — income can vary, especially in the early years.
- - Citizenship Affidavit Requirement: Georgia's unique notarized affidavit (Form GID-276-EN) adds an extra step and ~$15 notarization cost that many states don't require.
- - Online Exam Limited to 2 Attempts: Pearson VUE only allows 2 online proctored attempts — after that, you must test in person.
How to Get Your Georgia Insurance License
Choose Your License Line
Decide which line of authority you want: Life, Health (Accident & Sickness), Life & Health combined, Property & Casualty, or Personal Lines. Each line has its own exam. Most agents start with Life & Health or P&C. Note: the A&S line requires 8 hours of pre-licensing — all other lines go straight to the exam. Visit oci.ga.gov for a full list of available license types.
Complete Your Pre-Licensing Course (A&S Line Only)
If pursuing the Accident & Sickness line, enroll in a GA OCI-approved pre-licensing course. Georgia only requires 8 hours for the A&S line — you can finish in a single day of focused study. Pass the course final exam with 70%+ to receive your Certificate of Completion, which is valid for 1 year. For Life, P&C, or Personal Lines, skip this step and proceed directly to scheduling your exam.
Schedule & Pass the Pearson VUE State Exam
Register at pearsonvue.com/ga/insurance. The exam fee is $63 per exam. Exams are available at Pearson VUE testing centers statewide and online (proctored). You must score 70% or higher on both the national content section and the Georgia-specific section independently. Exam results are shown immediately upon completion.
Complete Your Citizenship Affidavit
Download Form GID-276-EN from oci.ga.gov. Have it notarized at a bank, UPS Store, or notary service (~$15). Gather a copy of your government-issued ID (driver's license or passport). This is a unique Georgia requirement — don't skip it.
Complete the IdentoGO Fingerprint Background Check
Schedule a fingerprinting appointment at an IdentoGO service center (ga.state.identogo.com). Use service code 2TGJ6B. Pay approximately $51.50. Fingerprints are submitted electronically to Georgia OCI. You can do this step in parallel with your application submission.
Receive Your Georgia Insurance License
OCI reviews your application and background check results — typically 1–2 weeks after fingerprinting clearance. Your license is issued electronically. Watch your email for updates from OCI. Once issued, you can affiliate with a carrier or agency and start writing insurance in Georgia.
Georgia Insurance License Requirements
Eligibility Requirements
- Must be at least 18 years old
- No college degree required
- Social Security Number required
- Must pass fingerprint background check (IdentoGO)
- Notarized Citizenship Affidavit (Form GID-276-EN) required
Pre-Licensing Hour Requirements
- Life Agent: No pre-licensing required
- Accident & Sickness (Health): 8 hours required
- Life, A&S (combined): 8 hours (A&S portion only)
- Property Agent: No pre-licensing required
- Property & Casualty (combined): No pre-licensing required
- Personal Lines Agent: No pre-licensing required
Exam Requirements
- Pearson VUE exam provider — pearsonvue.com/ga/insurance
- 70% passing score on both national & state sections
- $63 exam fee per exam
- Online attempts limited to 2; retakes after must be in-person
Georgia Insurance License Cost Breakdown
Here's the complete breakdown of what it costs to get your Georgia insurance license in 2026:
Single Line License (e.g., Life Only — No Pre-Licensing Required)
| Pre-Licensing Course (A&S line only — 8 hrs) | $109.95 – $299 | Required only for A&S; WebCE from $109.95; Kaplan from $139; ExamFX from $169.95 |
| Pearson VUE Exam Fee | $63 – $63 | pearsonvue.com/ga/insurance |
| License Application Fee (state + NIPR) | $120 – $120 | $100 state fee + $20 NIPR processing |
| IdentoGO Fingerprint Background Check | $51.50 – $51.50 | ga.state.identogo.com — service code 2TGJ6B |
| Citizenship Affidavit Notarization (approx.) | $15 – $20 | Form GID-276-EN — bank, UPS Store, or mobile notary |
| Estimated Total (Single Line — No Course) | $244 – $255 | Exam + fingerprinting + application + notarization only |
| Estimated Total (A&S Line — With Course) | $359 – $554 | Start with WebCE at $109.95 for the best value |
All state and government fees are non-refundable. Education costs vary by provider and package. Fingerprinting required for all individual resident applicants. Citizenship affidavit must be notarized before submitting your application.
The GA Insurance Exam — What to Expect
Life Agent Exam
- Questions: 90 total (80 scored + 10 pretest)
- Time limit: 120 minutes
- Passing score: 70% on both sections
- Fee: $63
- Retakes: Unlimited (14 days wait after 1st/2nd fail; 60 days after 3rd+)
Life, A&S Combo Exam
- Questions: 135 total (125 scored + 10 pretest)
- Time limit: 150 minutes
- Passing score: 70% on both national & state sections
- Fee: $63
- Covers: Life + Accident & Sickness combined
Property & Casualty Combo Exam
- Questions: 135 total (125 scored + 10 pretest)
- Time limit: 150 minutes
- Passing score: 70% on both national & state sections
- Fee: $63
- Covers: Property + Casualty combined
Personal Lines Exam
- Questions: 95 total (75 scored + 5 pretest + 15 GA-specific)
- Time limit: 120 minutes
- Passing score: 70% on both sections
- Fee: $63
- Covers: Personal auto, homeowners, renters
Life / A&S Exam Topics
- GA Insurance Regulation (OCI laws)
- General Insurance Concepts
- Life Insurance Basics & Policy Types
- Life Insurance Policy Provisions
- Annuities & Variable Products
- Health Insurance Basics & Policies
- Accident & Sickness Policy Provisions
- HIPAA & Federal Health Regulations
P&C / Personal Lines Exam Topics
- GA Insurance Regulation (OCI laws)
- General Insurance Concepts
- Property Insurance Basics
- Dwelling & Homeowners Policies
- Auto Insurance
- Commercial Lines & Liability
- Flood Insurance (NFIP)
- Workers' Compensation
💡 Pearson VUE Exam Tip
Georgia uses statistical equating across exam forms to ensure fairness. You must pass both the national content section AND the Georgia-specific section independently at 70% — a low state score cannot be offset by a high national score. Your Certificate of Completion is valid for 1 year — pass your exam before it expires.
How Long Does It Take to Get a Georgia Insurance License?
~3 weeks
Fast Track
Full-time study; finish course in 1–2 days
~5 weeks
Part-time
Evenings and weekends
~8 weeks
Casual Pace
A few hours per week
| Step | Activity | Duration |
|---|---|---|
| 1 | Complete GA OCI-approved pre-licensing course (A&S only — 8 hrs) | 1–3 days |
| 2 | Schedule & pass Pearson VUE state exam | 1–2 weeks |
| 3 | Get Citizenship Affidavit notarized (Form GID-276-EN) | 1–3 days |
| 4 | Submit license application via NIPR or Sircon | 1 day |
| 5 | Complete IdentoGO fingerprint background check (service code 2TGJ6B) | 3–7 days |
| 6 | OCI reviews application and issues license | 1–2 weeks |
Georgia's 8-hour pre-licensing requirement (A&S only) is one of the fastest in the country. Complete fingerprinting while studying to avoid delays after passing the exam.
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Explore More Insurance Licenses
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Georgia Insurance License Reciprocity
Georgia has broad reciprocity agreements with most U.S. states. If you hold a valid resident license in your home state and that state grants reciprocity to Georgia licensees, you may be exempt from Georgia's pre-licensing course and state exam.
What Is Waived Under Reciprocity
- Pre-licensing education requirement
- Georgia state licensing exam
Already licensed in Florida, Tennessee, South Carolina, or Alabama? You may qualify for Georgia reciprocity. Verify current reciprocity status and apply at oci.ga.gov before submitting your application.
Georgia Insurance License Renewal
Georgia insurance licenses must be renewed every 2 years. Renewal is due by your license expiration date. Failing to renew on time results in license lapse.
2 Years
Renewal Cycle
Renew by license expiration date
24 CE Hrs
Continuing Education
Including 3 hrs of ethics
Online
Renewal Process
Via NIPR or Sircon
Renewal Requirements Summary
For the latest CE requirements, approved providers, and renewal deadlines, visit the Georgia OCI website (oci.ga.gov).
Frequently Asked Questions About Georgia Insurance Licensing
How many hours of pre-licensing education do I need for a Georgia insurance license?
Georgia requires 8 hours of pre-licensing education for each single line of authority (Life, Accident & Sickness, Property, Casualty, Personal Lines). If you want a combined license — such as Life & Health or Property & Casualty — you need 16 hours. Credit insurance requires only 5 hours of self-study with no exam. Pre-licensing must be completed through a state-approved provider, and you must pass the course's final exam with a 70% or higher to receive your Certificate of Completion.
What exam provider does Georgia use for insurance licensing exams?
Georgia uses Pearson VUE to administer all insurance licensing examinations. You can schedule your exam online at pearsonvue.com/ga/insurance, by phone, or walk in at a Pearson VUE testing center. You may also take the exam online (proctored), but note that online testing is limited to just 2 attempts — all additional retakes must be completed in person at a Pearson VUE testing center.
What is the passing score for the Georgia insurance licensing exam?
You need a minimum score of 70% to pass each Georgia insurance licensing exam. Importantly, this 70% requirement applies to both the national content section and the Georgia-specific section independently — you cannot compensate for a low score in one section by excelling in the other. Georgia uses a statistical equating process across different exam forms to ensure fairness.
How much does it cost to get a Georgia insurance license?
Total costs typically range from $383 to $548 for a single line of authority. Here's the breakdown: pre-licensing course (~$149), Pearson VUE exam fee ($63), license application fee ($100 state fee + $20 NIPR processing fee = $120), fingerprint background check (~$51.50 via IdentoGO), and notarization of the citizenship affidavit (~$15). For a combo license (e.g., P&C or Life & Health), expect to pay $449–$648 due to the longer course requirement.
Do I need a background check to get a Georgia insurance license?
Yes. All individual resident applicants must complete a fingerprint-based criminal background check. After passing your state exam and submitting your license application, you schedule a fingerprinting appointment at an IdentoGO service center (ga.state.identogo.com) using service code 2TGJ6B. The fee is approximately $51.50. Fingerprints are submitted electronically to the Georgia OCI for review. A criminal history does not automatically disqualify you — OCI reviews each case individually — but certain felony convictions may prevent licensure.
How long does it take to get a Georgia insurance license?
Most candidates complete the process in 3–8 weeks. Fast-track candidates studying full-time can finish in about 3 weeks: 1–2 days for the short 8-hour pre-licensing course, a few days to study, then pass the exam in week one, submit the application and get fingerprinted in week two, and receive the license in week three. Part-time candidates studying evenings and weekends typically finish in 5–6 weeks. The main variable is how quickly OCI processes the background check and application, which usually takes 1–2 weeks.
Can I retake the Georgia insurance exam if I fail?
Yes, Georgia allows unlimited exam retakes. However, there are waiting periods: after failing your 1st or 2nd attempt, you must wait 14 days before retesting. After failing your 3rd attempt or beyond, you must wait 60 days. Remember that online testing is capped at 2 attempts — any retakes after that must be done in person at a Pearson VUE testing center. Each retake requires paying the $63 exam fee again.
What is the Georgia insurance license application fee?
The state fee is $100 for any single line-of-authority combination, plus a $20 NIPR/Sircon processing fee, totaling $120. If you apply for a full combination (e.g., P&C + Life/Health all together), the state fee is $200 + $20 processing = $220. Applications are submitted online through NIPR (nipr.com) or Sircon (sircon.com). You'll also need to upload your notarized Citizenship Affidavit (Form GID-276-EN) and a copy of your government-issued ID.
How much do insurance agents earn in Georgia?
Georgia insurance agent salaries vary widely depending on license type, experience, and location. The state average is approximately $55,000–$76,000 per year. In the Atlanta metro area, experienced agents — especially those in commercial P&C or life/annuity sales — commonly earn $80,000–$120,000+ including commissions. The national BLS median for insurance sales agents is $60,370 (2024), with the top 10% earning over $135,660. Agents working for major carriers like State Farm or Allstate may have base salaries of $35,000–$50,000 with commission on top, while independent agents and those writing large commercial accounts can earn significantly more.
How do I renew my Georgia insurance license?
Georgia insurance licenses must be renewed every 2 years. Renewal is due by the last day of your birth month in your renewal year. To renew, you must complete 24 hours of continuing education (CE) including at least 3 hours of ethics. CE courses must be approved by the Georgia OCI and completed before your renewal deadline. Renewals are processed online through NIPR or Sircon. Failing to renew on time results in license lapse, and you may need to re-apply (and potentially re-test) to get relicensed.
Does Georgia have insurance license reciprocity with other states?
Yes. Georgia grants reciprocity to applicants who hold a valid, equivalent license in their home state — provided the home state grants reciprocity to Georgia licensees. Most U.S. states have reciprocity agreements with Georgia. Under reciprocity, you may be exempt from the Georgia pre-licensing course and Pearson VUE state exam (though this varies by state). You still must submit a non-resident license application through NIPR or Sircon ($130/LOA), complete the IdentoGO fingerprint background check, and submit the notarized Citizenship Affidavit (Form GID-276-EN). Verify current reciprocity status on the Georgia OCI website at oci.ga.gov before applying.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.