NATIONAL INSURANCE GUIDE

Georgia Insurance Producer License

Georgia Insurance Producer License

Georgia Insurance Producer License: Complete 2026 Guide

Getting a Georgia insurance producer license (also called an insurance agent license) is regulated by the Office of the Commissioner of Insurance and Safety Fire (OCI). Georgia requires approved pre-licensing education, a state examination, fingerprinting, and an application for most major lines of authority. There is no federal license—licensing is handled at the state level.

Current Georgia License Requirements

  1. Eligibility
    • At least 18 years of age
    • Resident of Georgia (for a resident license) or properly licensed in a home state (for non-resident)
    • Good character and clean criminal background (subject to review)
    • No high-school diploma or college degree required
  2. Pre-Licensing Education
    Pre-licensing is currently required and must be completed through an OCI-approved provider. Hours were reduced effective mid-2025:Line of AuthorityPre-Licensing HoursLife8 hoursAccident & Sickness (Health)8 hoursLife + Accident & Sickness16 hoursProperty & Casualty16 hours (8 + 8)Personal Lines8 hoursCertificates of completion must be obtained before scheduling the exam. Certain professional designations (such as CLU, CPCU, CIC, or FLMI) or relevant college coursework may qualify for exemptions.
  3. State Examination
    • Administered by Pearson VUE
    • Passing score: 70%
    • Exam fee: typically $63–$67 per attempt
    • Results are usually available immediately
    • Exam scores are generally valid for one year
  4. Fingerprints and Background Check
    Electronic fingerprinting is required for new resident applicants. Registration occurs through the approved vendor (IdentoGO / GBI process) using the OCI service code after the license application is submitted. Cost is approximately $50–$52.
  5. Application
    • File through Sircon (Georgia’s primary portal for residents) or NIPR
    • Application fee: typically $120 for most resident producer licenses
    • A notarized citizenship affidavit and supporting identification are required
    • Processing time is commonly 5–15 business days after all materials are complete
  6. License Renewal and Continuing Education
    • Licenses are valid for two years
    • Renewal occurs on or before the last day of the licensee’s birth month
    • Continuing education: 24 hours every two years (including 3 hours of ethics) for most producers
    • Producers licensed 20 or more years generally need 20 hours (still including 3 ethics)
    • Up to 50% of excess CE hours may carry over in some cases

Approximate Cost Breakdown (Resident Producer)

ItemTypical Cost
Pre-licensing course$75–$200
Pearson VUE exam$63–$67
Fingerprinting~$50–$52
Application fee$120
Estimated total$300–$450+

Costs vary by provider and number of lines pursued. Retake fees apply if the exam is not passed on the first attempt.

Reciprocity and Non-Resident Licensing

Georgia participates in reciprocal licensing. Non-residents who hold an active license in their home state can usually apply without taking the Georgia exam or completing Georgia pre-licensing, provided the home-state license covers equivalent lines. Application is submitted through NIPR or Sircon with the appropriate fees and home-state verification.

Proposed Legislative Changes

House Bill 408 has been introduced to eliminate pre-licensing education requirements for certain licenses and to shorten the re-examination waiting period. As of the most recent available information, current rules still require the 8-hour (or 16-hour combined) pre-licensing courses. Always verify the latest status on the official OCI website before beginning the process, as rules can change.

Recommended Pre-Licensing Providers

OCI-approved providers commonly used by applicants include:

  • ExamFX
  • WebCE
  • Kaplan Financial Education
  • Other OCI-listed education providers

Confirm current approval status directly with the provider and the OCI education listings.

Official Resources

  • Georgia OCI: oci.georgia.gov
  • Licensing information and candidate handbook: Available on the OCI site and Pearson VUE Georgia insurance pages
  • Exam scheduling: pearsonvue.com
  • Application portals: Sircon (Georgia-specific) and NIPR

Frequently Asked Questions

  1. How many pre-licensing hours are required for Life?
    8 hours.
  2. What is the official regulator website?
    oci.georgia.gov.
  3. Who administers the exams?
    Pearson VUE.
  4. What is the typical exam fee?
    $63–$67 per attempt.
  5. Is a high-school diploma required?
    No.
  6. What is the passing score?
    70%.
  7. Are fingerprints required?
    Yes, for new resident applicants via the approved electronic process.
  8. How many CE hours are needed for renewal?
    24 hours every two years (including 3 ethics) for most licensees; 20 hours for those with 20+ years of licensure.
  9. Does Georgia offer reciprocity?
    Yes, for properly licensed non-residents.
  10. Can someone with a criminal record obtain a license?
    Applications are reviewed on a case-by-case basis.
  11. Where are exams offered?
    Pearson VUE testing centers across Georgia and online proctored options where available.
  12. How long does license approval usually take?
    Typically 5–15 business days after a complete application, exam results, and fingerprints are received.
  13. Is pre-licensing still required in 2026?
    Yes, under current rules (8 hours per major line). Proposed legislation may change this—verify before starting.
  14. Can non-residents obtain a Georgia license?
    Yes, through reciprocity if they hold an active equivalent home-state license.
  15. Where can I find approved pre-licensing providers?
    Check the OCI education-provider listings and major providers such as ExamFX, WebCE, and Kaplan.

Bottom line: Georgia currently maintains relatively short pre-licensing requirements (8 hours per major line) compared with many other states. Success depends on completing an approved course, passing the Pearson VUE exam, submitting fingerprints and the citizenship affidavit, and filing a complete application through the correct portal. Always confirm the latest fees, forms, and rules directly with the Georgia Office of the Commissioner of Insurance and Safety Fire before beginning the process.

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