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Georgia Health Insurance — License Examination Requirements

US-GA · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Principal Agency — Accident and Sickness

Business entity insurance producer whose Accident and Sickness authority follows its licensed agents.

Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information

Nonresident principal agency issuance
No examination is required for this applicant pathway.
Application
Meet § 33-23-3, § 33-23-16 and Rule .05; restricted-name approval and forms/fees.
Licensed Agents
Agency lines must be held by its appropriately licensed agents.

Official no-examination sources

Effective from 2026-09-22.

Principal agency renewal
No examination is required for this applicant pathway.
Filing
Biennially before the last day of the agency origination month under the 2025 statutory amendment.
Late Renewal
Rule .05 permits late renewal within 15 days with fee.
Responsible Agents
Continue meeting licensed-agent and line-of-authority requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident principal agency issuance
No examination is required for this applicant pathway.
Application
Principal-office designation, Commissioner forms and fees.
Name Approval
Name Approval Acceptance required for restricted words in the business name, as listed in the August 2026 handbook.
Ownership
No prohibited owner/officer/director or holder of at least 10% ownership with refused, revoked or suspended insurance license.
Responsible Agent
At least one appropriately licensed agent with primary business at each agency location; agency lines cannot exceed those agents’ lines.

Official no-examination sources

Effective from 2026-09-22.

Credit Insurance Agent

Limited producer of credit insurance, including credit accident and sickness and accidental death and dismemberment.

Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information

Reapply after the one year limit
No examination is required for this applicant pathway.
Requirements
Repeat credit-license initial application and study/sponsor conditions; credit examination exemption continues.

Official no-examination sources

Effective from 2026-09-22.

Reinstate between six months and one year
No examination is required for this applicant pathway.
Timing
Six or more months but before one year; complete study/CE, penalties/fees and electronic fingerprints.

Official no-examination sources

Effective from 2026-09-22.

Reinstate before six months
No examination is required for this applicant pathway.
Timing
Before six months and within the one-year late reinstatement limit; complete study/CE and pay penalties/fees; fingerprints exempt.

Official no-examination sources

Effective from 2026-09-22.

Nonresident credit insurance agent reciprocal issuance
No examination is required for this applicant pathway.
Home License
Home-state limited credit authority in good standing; reciprocal nonresident application and insurer appointment under § 33-23-16(g).
Study
Required credit-insurance self-study certification; no prelicensing exam.

Official no-examination sources

Effective from 2026-09-22.

Nonresident credit agent renewal
No examination is required for this applicant pathway.
Home License
Verify current home-state resident license in good standing; reciprocal license authority and renewal fees.

Official no-examination sources

Effective from 2026-09-22.

Resident credit insurance agent issuance
No examination is required for this applicant pathway.
Application
Forms, fees, affidavit/ID and electronic fingerprints unless exempt.
Sponsorship Conflict
The statute requires insurer sponsorship. Rule 120-2-3-.29(1)(d) states: (d) Effective January 1, 2010, the application process for an agent license will no longer require sponsorship by an insurer. Upon issuance of the agent license, the licensee must obtain a certificate of authority from each insurer that they will represent. The statutory sponsorship requirement controls; the rule’s differing demand is disclosed.
Study
Insurer certifies five hours of self-study and applicant understanding of pertinent credit laws/rules.

Official no-examination sources

Effective from 2026-09-22.

Resident credit agent renewal
No examination is required for this applicant pathway.
Education
Ten hours of approved self-study or CE per biennium; renewal forms and fees.

Official no-examination sources

Effective from 2026-09-22.

Credit Insurance Limited Subagent

Limited credit subagent under a licensed resident agent; the credit scope includes accident and sickness.

Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information

Credit limited subagent issuance
No examination is required for this applicant pathway.
Application
Forms, fees and fingerprints unless exempt.
Sponsor
Licensed resident sponsoring agent appoints the limited subagent, assumes responsibility and certifies character and background.
Study
Applicant and sponsor certify reading the credit laws and rules listed in Rule .29(2)(a)2.

Official no-examination sources

Effective from 2026-09-22.

Reapply after the one year limit
No examination is required for this applicant pathway.
Requirements
Repeat credit-license initial application and study/sponsor conditions; credit examination exemption continues.

Official no-examination sources

Effective from 2026-09-22.

Reinstate between six months and one year
No examination is required for this applicant pathway.
Timing
Six or more months but before one year; complete study/CE, penalties/fees and electronic fingerprints.

Official no-examination sources

Effective from 2026-09-22.

Reinstate before six months
No examination is required for this applicant pathway.
Timing
Before six months and within the one-year late reinstatement limit; complete study/CE and pay penalties/fees; fingerprints exempt.

Official no-examination sources

Effective from 2026-09-22.

Credit limited subagent renewal
No examination is required for this applicant pathway.
Appointment
Renew the limited-subagent certificate of authority with the license; maintain the sponsor.
Education
Ten hours of self-study or CE per biennium, certified by sponsor or evidenced by the licensee.

Official no-examination sources

Effective from 2026-09-22.

Foreign Military Representative

Registration to represent a Georgia-domiciled authorized life insurer exclusively at United States military installations in foreign countries, for life or accident and sickness insurance.

Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information

Foreign military representative registration
No examination is required for this applicant pathway.
Fee
Annual registration fee $25 under § 33-23-17; certificate expires December 31 unless terminated sooner.
Insurer
Authorized life insurer domiciled in Georgia applies and certifies necessary training, responsibility for acts and no revoked/suspended/restricted military installation privileges.
Location
Represent that insurer exclusively at United States military installations abroad.
Residency
Applicant is not a Georgia resident under the controlling statute. The August 2026 handbook’s license-type grid places a mark in the resident column for Foreign Military; the statute controls.

Official no-examination sources

Effective from 2026-09-22.

Annual foreign military representative registration
No examination is required for this applicant pathway.
Conditions
Insurer requests registration on prescribed forms and pays the annual registration fee; maintain statutory training, location and eligibility certifications.

Official no-examination sources

Effective from 2026-09-22.

Fraternal Agent — Accident and Sickness

Fraternal agent authority in Life and Accident and Sickness, with sponsoring-company submission and appointment.

Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information

Nonresident fraternal agent issuance
No examination is required for this applicant pathway.
Application
Sircon or NIPR, with license and processing fees; the official table expressly lists No exam.
Scope
Life and Accident and Sickness; current home-state authority and ordinary reciprocal nonresident conditions.
Sponsorship
Handbook page 7 lists sponsoring-company submission and company appointment at application. Page 8 lists Not required in the appointment column for the nonresident fraternal row; retain both official instructions as applicant conditions.

Official no-examination sources

Effective from 2026-09-22.

Fraternal agent renewal
No examination is required for this applicant pathway.
Education
Fraternal agents are expressly exempt from CE in the August 2026 handbook.
Filing
Current resident/nonresident agent renewal forms and fees; home-state good standing for reciprocal nonresidents.

Official no-examination sources

Effective from 2026-09-22.

Limited Credit Insurance Agency

Business entity producer of credit insurance, including credit accident and sickness, with registered employees and locations.

Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information

Limited credit insurance agency issuance
No examination is required for this applicant pathway.
Employees
List unlicensed selling employees, identity details, character/background certification and training certificates.
Fees
Principal agency fee plus employee/location fees under Rule .49.
Locations
List selling locations and required details.
Training
At least five hours of approved basic/credit insurance training before selling and two hours annual employee CE.

Official no-examination sources

Effective from 2026-09-22.

Reapply after incomplete limited credit agency renewal
No examination is required for this applicant pathway.
Requirements
Reapply and satisfy all limited credit agency initial information, employee training and fee requirements.

Official no-examination sources

Effective from 2026-09-22.

Limited credit insurance agency renewal
No examination is required for this applicant pathway.
Education
Maintain employee training and annual CE compliance.
Filing
Biennial December 31 renewal with required information and principal agency, employee and location fees.

Official no-examination sources

Effective from 2026-09-22.

Limited Subagent — Personal Insurance, Accident and Sickness

Limited personal-insurance subproducer under a sponsoring resident agent.

Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information

Limited subagent reinstatement after Commissioner employment
No examination is required for this applicant pathway.
Prior License
Licensed before full-time responsible insurance work for the Commissioner.
Timing
Written request within 90 days after termination.

Official no-examination sources

Effective from 2026-09-22.

Limited subagent initial issuance
No examination is required for this applicant pathway.
Application
Application, fees, affidavit/ID and electronic fingerprints unless exempt.
Education
Approved limited-subagent course completed within 12 months before application; eight hours for the requested qualification in the handbook.
Sponsor
Resident agent must sponsor, appoint and certify character/background. Authority cannot exceed the sponsor’s lines.

Official no-examination sources

Effective from 2026-09-22.

Limited subagent new license following military service lapse
No examination is required for this applicant pathway.
Prior License
Valid limited-subagent license lapsed during armed-forces service.
Timing
Apply within five years after expiration and within one year after service ends; provide satisfactory proof.

Official no-examination sources

Effective from 2026-09-22.

Limited subagent reapplication after the one year limit
No examination is required for this applicant pathway.
Requirements
Repeat limited-subagent education, sponsorship, application and fees; the limited-subagent exam exemption continues.

Official no-examination sources

Effective from 2026-09-22.

Limited subagent reinstatement from six months to one year
No examination is required for this applicant pathway.
Requirements
Late renewal, CE, penalty and fees; electronic fingerprints and qualified sponsor.
Timing
Six or more months but before one year after expiry.

Official no-examination sources

Effective from 2026-09-22.

Limited subagent reinstatement before six months
No examination is required for this applicant pathway.
Requirements
Late renewal, CE and fees; sponsor remains qualified; new fingerprints exempt.
Timing
Within six months and before one year after expiry.

Official no-examination sources

Effective from 2026-09-22.

Limited subagent renewal
No examination is required for this applicant pathway.
Education
Ten CE hours per biennium after biennial conversion; ethics requirement is waived for limited subagents.
Fees
Renewal application and fees.
Sponsor
Maintain the sponsor and renew the limited-subagent certificate of authority with the license.

Official no-examination sources

Effective from 2026-09-22.

Limited Travel Agent — Travel Accident and Sickness

Limited travel insurance producer authority, including the Travel Accident and Sickness class shown in the current application materials. The statute and rule names are treated as the same limited travel credential; individual and business-entity applicant conditions are separate routes.

Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information

Limited Travel Accident and Sickness issuance
No examination is required for this applicant pathway.
Activity
Selling tickets for travel on public carriers and associated limited Travel Accident and Sickness coverage.
Application
Application, fees, affidavit/ID, fingerprints unless exempt, and insurer appointment after issuance under the rule’s January 2010 provision.

Official no-examination sources

Effective from 2026-09-22.

Business entity limited lines travel insurance producer issuance
No examination is required for this applicant pathway.
Application
Commissioner application and applicable fees.
Fingerprints
Designated employee and controlling officers comply with resident-state producer fingerprint requirements.
Responsible Producer
Designate a licensed individual producer employee responsible for compliance.
Retailers
Maintain the prescribed retailer register and certify federal criminal-law compliance; train employees/representatives in coverage, ethical sales and disclosures.

Official no-examination sources

Effective from 2026-09-22.

Individual limited lines travel insurance producer issuance
No examination is required for this applicant pathway.
Application
Individual application in the Commissioner-prescribed form and manner, applicable producer fees and resident-state fingerprint requirements.
Scope
Travel insurance including sickness, accident, disability or death; comprehensive major medical coverage for trips of six months or more is outside this limited travel scope.

Official no-examination sources

Effective from 2026-09-22.

Limited Travel Accident and Sickness renewal
No examination is required for this applicant pathway.
Application
Statutory biennial resident agent renewal with prescribed forms and fees; no continuing education.
Rule Demand
Rule 120-2-3-.32(3) states: (3) Each year by the dates specified in Rule , license renewals, accompanied by the required fees, must be filed on forms prescribed by the Commissioner. The statutory biennial term controls; the rule’s annual filing demand is disclosed.

Official no-examination sources

Effective from 2026-09-22.

Nonactive Agent — Accident and Sickness

Nonactive designation for an agent licensed continuously for at least ten years who only receives renewal or deferred commissions.

Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information

Issue a nonactive designation
No examination is required for this applicant pathway.
Activity
Only renewal/deferred commissions; do not sell, solicit or negotiate new insurance.
Application
Written acknowledgement of eligibility, amendment fees and surrender of the old license for replacement.
Prior License
Current agent license held continuously at least ten years.

Official no-examination sources

Effective from 2026-09-22.

Correct a deficient nonactive renewal before the reapplication limit
No examination is required for this applicant pathway.
Activity
Remain eligible for nonactive status.
Timing
Correct filing and late fee/administrative fine within 30 days after notice; seek late reinstatement before one year after expiry.

Official no-examination sources

Effective from 2026-09-22.

Renew a nonactive license
No examination is required for this applicant pathway.
Filing
O.C.G.A. § 33-23-18 requires resident agent licenses to renew biennially; qualifying nonactive agents are CE-exempt.
Rule Demand
Rule 120-2-3-.30(3) states: (3) The nonactive licensee must file for renewal and pay all renewal fees annually. The statute controls the license term; this regulatory annual filing demand is disclosed.

Official no-examination sources

Effective from 2026-09-22.

Rental Company Limited License

Limited rental-vehicle producer; in scope for its personal accident and health coverage.

Licensing authority: Office of the Commissioner of Insurance and Safety Fire · Application information

Rental company limited license issuance
No examination is required for this applicant pathway.
Application
Prescribed form and fee; no insurer sponsorship or certificate of authority.
Scope
Only incidentally to rental vehicles, including personal accident and health coverage; license for principal/home-office location.
Training
Certify employee basic training; course and instructor approved beforehand, or approved Property and Casualty prelicensing course.

Official no-examination sources

Effective from 2026-09-22.

Rental company limited license renewal
No examination is required for this applicant pathway.
Education
Certify each employee’s two hours of training relevant to offered insurance; approved instructor/course or approved Property and Casualty CE provider.
Filing
Biennial renewal before expiration with forms and fees.

Official no-examination sources

Effective from 2026-09-22.