Orlando Harmon
To become an insurance agent in Georgia, you must obtain a license for each category of insurance you intend to sell. The requirements, qualifications, and fees for a license vary depending on the type of insurance. To get licensed, you must complete pre-licensing education, pass the state licensing exam, and submit your license application. Pre-licensing education requirements include a 20-hour course for each line of authority, such as Life, Accident & Sickness, Property, Casualty, and Personal Lines. After completing the required pre-licensing education, you can register for the state licensing exam, which costs between $60 and $70 per attempt. Once you have passed the exam, you can submit your license application online, along with the required documents and fees.
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What You'll Learn
Pre-licensing requirements
To become an insurance agent in Georgia, you must meet specific pre-licensing requirements. These requirements vary depending on the category of insurance you wish to sell and whether you are a resident or non-resident of Georgia. Here are the key pre-licensing requirements you need to know:
Complete a Pre-Licensing Course:
Before taking the state licensing exam, you must complete a pre-licensing course. This course will prepare you for the exam and is one of the most important tools to help you pass. You can find a list of approved pre-licensing courses through the Georgia Department of Insurance or enroll in courses with providers like Kaplan or America's Professor. These courses are designed to be flexible, allowing you to study at your own pace.
Meet Hour Requirements:
Each category of insurance, also known as lines of authority, has specific hour requirements for pre-licensing education. For example, Life, Accident & Sickness (Health), Property, Casualty, and Personal Lines insurance all require 20 hours of pre-licensing education each. Adjuster and Public Adjuster lines require 40 hours each. Variable Products require 8 hours plus a life insurance license.
Pass the State Licensing Exam:
After completing the required pre-licensing course, you must pass the state licensing exam. This exam tests your knowledge of insurance procedures, policies, and laws and establishes your fundamental industry skills. Each line of insurance requires a separate exam, and there is a fee for each attempt, typically between $60 and $70. You need a valid photo ID and an additional document verifying your identity.
Complete the Application Process:
Once you have passed the exam, you can apply for your insurance license. The application process may vary depending on your residency status. Resident applicants must submit a complete GID-130 form, while non-resident applicants need to apply through the Sircon website. You will also need to provide supporting documentation, such as a Citizenship Affidavit and a copy of your ID. There may be additional requirements, such as fingerprinting and background checks, to verify your status as a law-abiding citizen.
Maintain Your Licensure:
After obtaining your license, you must meet certain criteria to maintain it. This includes renewing your license annually or biennially and completing continuing education requirements. For example, licensees in Georgia must complete 12 hours of continuing education every two years in the line for which the license is held, with at least one hour in ethics.
It is important to review the specific requirements for the category of insurance you wish to sell and stay updated with any changes in the licensing process.
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State licensing exam
To become an insurance agent in Georgia, you must pass a state licensing exam. Each line of insurance requires its own exam, so you may need to take multiple exams to obtain all the necessary licenses. The exams test your knowledge of insurance procedures, policies, and laws, as well as fundamental industry skills.
There are approved pre-licensing courses available to help you prepare for the exams. These courses are offered online and in-person, and they cover topics such as Life, Accident & Sickness (Health), Property, Casualty, and Personal Lines. The number of hours required for each course varies, but it is typically around 20 hours. Some providers of these courses include Kaplan and America's Professor.
After completing the required pre-licensing course, you can schedule your state licensing exam. The exams are administered by Pearson VUE, and there is a fee for each exam, typically between $60 and $70 per attempt. On the exam day, you will need to bring a valid photo ID and an additional document verifying your identity.
Once you have passed the state licensing exam, you are ready to apply for your insurance license. This involves submitting the appropriate forms, paying the required fees, and providing any necessary supporting documentation. You will also need to undergo a fingerprint and background check to verify your status as a citizen without a criminal record.
It is important to note that the requirements, qualifications, and fees for an insurance license in Georgia may vary depending on the type of license you are seeking. Additionally, if you already hold a license in another state, you may be eligible for a waiver of the pre-licensing course and examination requirements.
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Application process
To become an insurance agent in Georgia, you must obtain a license. The requirements, qualifications, and fees for an insurance license vary depending on the type of insurance you wish to sell.
- Complete a pre-licensing course: Before taking the state licensing exam, you must complete a pre-licensing course. This course will prepare you for the exam and is one of the most important tools for passing it. You can find a list of state-approved pre-licensing courses using the online tool from the Department of Insurance. The number of hours required for the course will depend on the line of authority you wish to be licensed for (e.g. Life, Accident & Sickness, Property, etc.). For example, Life, Accident & Sickness, Property, Casualty, and Personal Lines each require 20 hours of pre-licensing education.
- Pass the state licensing exam: After completing the pre-licensing course, you must pass the state licensing exam. This exam tests your knowledge of insurance procedures, policies, and laws, as well as your fundamental industry skills. Each line of insurance requires its own exam, and there is a fee for each exam, typically between $60 and $70 per attempt.
- Submit your application: Once you have passed the exam, you can submit your application for an insurance license. This can be done online through the Georgia Licensing portal or websites like Sircon.com or NIPR.com. You will need to provide supporting documentation, such as a copy of your photo ID, and pay the appropriate fees.
- Complete fingerprinting and background check: After submitting your application, you will need to complete fingerprinting and a background check to verify your status as a citizen without a criminal record.
- Receive your license: Once your application is approved, you will receive your insurance license.
- Maintain your license: To maintain your license, you must meet certain criteria, including completing continuing education requirements and renewing your license annually or biennially, depending on when it was first issued.
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License maintenance
To become a licensed insurance agent in Georgia, you must pass a state licensing exam. Each line of insurance requires its own exam, so you may have to take multiple exams to earn all the necessary licenses. After passing the exam, you need to apply for a license. Once you become a licensed agent, you need to meet specific criteria to maintain your license.
- The license must be renewed annually or biannually, depending on when it was first issued.
- Renewal requires a small fee, verification of your information with the state, and updates to any address changes or other personal changes.
- You must complete 12 hours of Continuing Education (CE) every two years in the line for which the license is held, with at least one of those hours in ethics.
- Licensees holding multiple authorities (Life & Health and Property & Casualty) must complete 24 total hours, with 50% of the hours in Life & Health and 50% in Property & Casualty courses. This must include two hours of ethics training.
- Credit earned from general courses is acceptable for meeting Life & Health or Property & Casualty requirements.
- If your license is inactivated due to failure to renew or not being CE-compliant, you can apply to reinstate your license within 12 months of the inactivation date. Reinstatement requires payment of a reinstatement fee, a late fee, completion of any CE if needed, and fingerprinting if the license has expired.
- Non-resident producers must also have a valid non-resident producer license in Georgia.
- Rule 120-2-94 - Suitability in Annuity Transactions, effective on August 1, 2023, states that producers licensed to engage in the sale of annuity products in Georgia must complete a one-time, four-hour course - Annuity Best Interest 4.
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Temporary licenses
To obtain a temporary insurance agent licence in Georgia, you must be sponsored by an insurance company and supervised by a licensed agent who is appointed by the sponsoring insurance company. A temporary licence is issued to an individual who sells, solicits, or negotiates insurance through a specific insurer. A temporary licence holder is limited to one licence per lifetime and it is valid for six months from the date of issuance. This licence can be extended in three-month intervals, up to a maximum of 15 months from the original issue date.
To obtain a temporary licence, you must meet the requirements for a standard insurance agent licence in Georgia. This includes completing a pre-licensing course and passing the state licensing exam. Each category of insurance that you want to sell in Georgia requires a different licence. The pre-licensing course will prepare you for the insurance exam, which will test your knowledge of insurance procedures, policies, and laws. The exam fee typically ranges from $60 to $70 per attempt.
Once you have passed the exam, you will need to complete a fingerprint and background check to verify your status as a citizen without a criminal record. You will also need to submit the Sponsoring Insurer/Agent Certification Form, as well as the Citizenship Affidavit and a copy of your ID, when applying for your licence.
It is important to note that temporary licences are not renewable and must be replaced with a standard insurance agent licence.
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Frequently asked questions
To become a licensed insurance agent in Georgia, you must be a resident and meet specific requirements that vary depending on the category of insurance you wish to sell. You must complete pre-licensing requirements, including a state-approved course, and pass the state licensing exam.
First, complete the pre-licensing requirements, including a 20-hour course for each line of authority you wish to be licensed for (e.g. Life, Accident & Sickness, Property). Then, pass the state licensing exam. After passing the exam, submit your application, including the appropriate fee and supporting documentation, to the Georgia Insurance Department.
There is a fee for each exam, typically between $60 and $70 per attempt, but this cost may vary. There is also a renewal fee for maintaining your license, which must be done annually or biannually.
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