Georgia Insurance School Facts

Many U.S. families are not prepared for an untimely death

• Fifteen percent of husbands and 28 percent of wives have no life insurance.
• 6 million households (ten percent of families with children under 18) have no life insurance or term life insurance protection.
• The percentage of families with dependent children that admit they'll have immediate trouble with everyday living expenses is 22 percent. Another 26 percent say that if a primary wage earner dies they'll only be able to cover expenses for a few months.

Many U.S. couples are underinsured

• The average amount of life insurance coverage on insured husbands is $235,600. The average amount of life insurance coverage on insured wives is $147,800.
• Insured husbands in the U.S. carry enough life insurance to replace their income for only 4.2 years, and wives for only 4.9 years. To meet the expert recommendation of having enough life insurance to replace income for a term of 7 to 10 years, the typical married couple would need to double its current coverage.
• The percentage of married parents that believe their current life insurance protection is inadequate is 56 percent.

 

Are the Insurance Exams different state to state?

Yes! Be very careful when preparing for your exam to make sure the material you study is Georgia specific. There are many insurance schools out there that offer generic study materials that are NOT specific to the GA exam. The course you study MUST be Georgia specific. Our online courses were created specifically to satisfy the Georgia pre-license requirement and prepare you to pass your Georgia insurance exam on your first attempt.

What content do the Georgia Insurance tests cover?

The Georgia insurance tests are very broad. The Georgia Department of Insurance creates and published exam outlines that are referred to as “Educational Objectives” for each exam. You can view and print the Educational Objectives for each and every exam by typing “Educational objectives” into the search box on the Georgia Department of Insurance website homepage at www.insurance.ca.gov. All of our course content was created to reflect the most recent copy of the Georgia Educational Objectives.

Do I need a sponsor to take a Georgia Insurance exam?

No. You do not need a sponsor. In order to sell insurance in Georgia you do need to be appointed by an insurer. However, you do not need to be appointed to schedule your exam.

How do I schedule my insurance exam?

You can schedule your exam prior to completing our online pre-licensing course. This way you can ensure the date you select is shortly after your completion of our course so the information is still fresh in your mind. You will schedule your exam on the Georgia Department of Insurance website (www.insurance.ca.gov). You must fill out an electronic license application and pay both your licensing fee and testing fee during registration. Once the DOI has received your application and fees they will notify you via e-mail that you can select a test date on their site. You can obtain more detailed information about scheduling your exam by typing “FLASH” into the search box on the Georgia Department of Insurance website.

What should I bring to the test center the day of my Insurance Exam?

You should bring your Key Facts from our Georgia Insurance Licensing course to re-read just prior to going in to take your Georgia insurance exam. This will load your memory for the test. They will provide you with a pen/pencil, scratch paper, and basic function calculator at the test site. Make sure to write down your cheat sheet on your scratch paper when you sit down at your cubicle prior to starting your insurance license test. This will allow you to refer back to it whenever you need to during the exam.

If I don’t pass is there any waiting period that applies before I can retake the insurance licensing exam?

No, there is no waiting period before you can re-test. However, each time a candidate retakes the exam another full testing fee is required ($41 for most exams).

What do the question on the Georgia Insurance exams look like?

Here are two Georgia Insurance Licensing Exam questions that come from our materials that are very similar to the formatting and content of the questions on the exam:

Life Agent

1. On a Major Medical Expense policy, the purpose of co-insurance is to

1. Require the insured to pay most of the claim
2. Require that the insured and the insurer share the claim after the deductible has been paid
3. Require the insured to pay a small co-payment per office visit
4. Encourage preventative care

Fire & Casualty

2. Jan has a PAP that provides full coverage for her car. Naomi has a PAP that covers her car for liability only. If Jan is involved in an at-fault accident while driving Naomi’s car, how will coverage be allocated:

1. Jan’s policy is primary for both Bodily Injury to others and Collision damage to Naomi’s car
2. Naomi’s policy is excess for both Bodily Injury to others and Collision damage to her car
3. Jan’s policy is excess for Bodily Injury to others but primary on the Collision damage to Naomi’s car
4. Naomi’s policy is primary for Bodily Injury to others, but neither policy will cover the Collision damage to Naomi’s car

Answers and explanations to the above questions as found in our comprehensive Insurance exam prep online video and print materials as follows:

1. B Major Medical Expense policies require that the insured pay a percentage of a claim (usually 20%) after the deductible has been paid, which discourages preventative care and over utilization of medical services. It is HMOs that encourage preventative care by charging only small co-payments per office visit.
2. C Remember, the owner’s policy is always primary. Naomi is the owner of the car and Jan is the driver. Naomi’s PAP states that she can loan her car to anyone she wants, and her policy will be primary. Jan’s BI coverage will be excess, if needed. However, since Naomi does not have Collision coverage on her own car, Jan’s policy will become primary for that coverage, since her policy states that she is covered to drive anyone else’s car, with their permission.

FREE GEORGIA INSURANCE EXAM TEST PASSING TIPS/TRICKS

The Georgia Insurance exam testing tips below have been compiled by our Georgia Insurance Exam instructors which have over 35 years of Insurance exam training experience and are provided for FREE to anyone taking a Georgia Insurance exam as a thank you for visiting our site. Please make sure to tell anyone you know about our site so they too can view these Georgia insurance exam study tips prior to taking their test.

How to prepare for your Georgia Insurance exam:

Your preparation for the exam is crucial. You cannot simply attend a lecture class or read a book and pass the test. You MUST understand the concepts the exam is based upon.

How you know who has the best Georgia Insurance Exam Prep course:

The best way to find out who has the most exam specific Insurance exam study course in Georgia is to ask what their first time pass ratio is. Every provider that is approved to offer courses in GA can obtain their specific pass ratio from the Georgia Department of Insurance. Ours is posted on our homepage.

Another good way to determine if a provider has a quality program is to check the provider’s student feedback. You can view ours by clicking our testimonials link at the top of the page. If a company does NOT have testimonials from students who have taken the Georgia Insurance test recently and passed, how can you be certain you will? We have trained thousands of individuals to pass Georgia Insurance Exams. Our online Insurance Exam courses have everything that you need to pass your exam on your first attempts including hours of online videos instruction.

How to know you are ready for the Insurance exam:

You should be able to pass all the exams included in our study materials until you can score a minimum of 90% or better, understanding why the correct answer is correct, and the incorrect answers are incorrect.

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