Which Georgia regulation imposes a 'best-interest' standard on producers recommending annuity transactions, including replacements?

Why this is the answer

Reg 120-2-94 is Georgia's adoption of the NAIC Suitability in Annuity Transactions Model with the best-interest enhancement. Producers recommending or replacing annuities must satisfy four obligations — care, disclosure, conflict-of-interest, and documentation — and complete a one-time four-credit annuity training course. Georgia's life replacement rule, 120-2-24, expressly exempts the replacement of annuity contracts, so for an annuity exchange the governing framework is 120-2-94.