GA • L&H

Georgia Life & Health Insurance Exam — Practice Test & Study Guide

Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.

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Our mock exam

100 questions

what you sit here, not the state's count

Official time limit

150 min

GA exam, verified

Pre-licensing

16h

required in GA

Exam content outline

From the official GA OCI L&H content outline. Mock exams sample at these weights.

Section	Weight	≈ Questions
National-LH-I Life Policy Types	15%	15
National-LH-II Life Policy Riders, Provisions, Options, Exclusions	15%	15
National-LH-III Application, Underwriting, Delivery	12%	12
National-LH-IV Retirement & Other Insurance Concepts	8%	8
National-LH-V Health Policy Types	16%	16
National-LH-VI Health Policy Provisions, Clauses, Riders	15%	15
National-LH-VII Social Insurance	6%	6
National-LH-VIII Other Health Insurance Concepts	5%	5
National-LH-IX Field Underwriting Procedures	8%	8

Sample questions

Items from our L&H bank, aligned to the GA GA OCI outline — see the difficulty and explanation depth.

Q1 • GA-LH-I O.C.G.A. Title 33 Life A&S Foundationsmedium

Under Georgia law, when must insurable interest exist for a life insurance policy to be valid, and what practice does Georgia's Life Settlements Act prohibit?

AAt the time of loss only; prohibits viatical settlements

BAt both application and loss; prohibits group life conversion

CAt the time of application/issue; prohibits stranger-originated life insurance (STOLI)

DOnly when the beneficiary is a corporation; prohibits assignment

Why

GA requires insurable interest at issue (O.C.G.A. § 33-24-3) and bans STOLI (§ 33-59-16).

Q2 • Social Insurancemedium

The Quick Disability Determination (QDD) process at SSA is designed to:

AProvide instant cash benefits to the claimant during the initial five-month statutory waiting period before any decision.

BUse a predictive model to identify claims with a high likelihood of allowance for expedited DDS processing.

CBypass the medical evidence requirement entirely for any impairment that is expected to be short-term in its duration.

DReplace administrative law judge hearings with binding private arbitration proceedings conducted outside the agency.

Why

QDD uses a predictive computer model to flag likely-allowance claims for fast DDS handling, separate from the condition-based CAL list.

Q3 • Life Policy Typeseasy

A 30-year decreasing term policy is sold as mortgage protection on a 30-year amortizing home loan. Across the policy's life, the:

APremium decreases each year on a set declining schedule while the death benefit stays level at the original face for the full 30-year term

BPremium stays level while the death benefit decreases on a schedule designed to track the declining mortgage balance

CPremium and death benefit both increase each year, indexed upward together to keep pace with general consumer price inflation over the term

DPremium and death benefit both decrease each year proportionally and in lockstep over the entire 30-year policy term

Why

Decreasing term: level premium, declining death benefit tracking mortgage amortization. Premium is flat throughout.

Q4 • Health Provisionsmedium

Under COBRA (29 USC §1162(2)), what is the maximum continuation period for a qualified beneficiary whose qualifying event is the death of the covered employee?

A18 months

B29 months

C24 months

D36 months

EIndefinite, until Medicare eligibility

Why

Death of the covered employee is a 36-month qualifying event for spouse/dependents.

Q5 • Health Provisionsmedium

Under HIPAA (26 USC §9802(a); 29 CFR §2590.702), a group health plan may NOT discriminate in eligibility or premiums based on which of the following 'health factors'?

AGeographic rating area, which carriers may still lawfully use to vary their group premiums from one region to another across a service area

BTobacco use, which remains subject to the permissible wellness-program incentive and tobacco-surcharge rules that the regulations expressly allow

CBona fide employment classification, such as full-time versus part-time or salaried versus hourly status applied across the workforce

DGenetic information, medical history, claims experience, or disability of a participant

ELength of service or a bona fide waiting period applied uniformly to every newly hired employee before plan eligibility begins

Why

HIPAA §9802 bars discrimination based on 8 health factors including genetic information, claims experience, and disability.

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Georgia state law module

State-specific laws and regulations make up 10–20% of the GA L&H exam. Our markdown-based state-law module walks through what GA OCI actually tests.

Read GA L&H state law

Georgia L&H Exam FAQ

How long is the GA L&H exam?

Georgia Office of Commissioner of Insurance and Safety Fire allows 150 minutes for the Georgia Life & Health exam. The state does not publish a scored-question count. Our mock exam runs 100 questions in 120 minutes.

What's the passing score for GA L&H?

undefined% is the passing score in Georgia, calculated against the scored question count. GA OCI reports results immediately at the test center.

How long should I study for the GA L&H exam?

Most L&H candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.

Where do I take the Georgia L&H exam?

GA OCI contracts with major proctored-exam vendors. Check the Georgia Office of Commissioner of Insurance and Safety Fire website for an up-to-date list of test centers in Georgia.

Are these practice questions matched to the GA outline?

Yes — we follow the GA OCI content outline section by section, and our GA L&H bank includes 224 state-tagged items alongside the national NAIC content. Mock exams are composed from real section weights, not a generic question dump.

How much does EstatePass cost? Do I need a separate plan for L&H?

No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.