Georgia Insurance Exam Guide: The Property & Casualty Agent COMBO Exam, Explained

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The Georgia P&C exam, in one paragraph

The Georgia Property & Casualty Agent COMBO exam (Pearson VUE code 12-GA-06) is the licensing exam for Georgia’s combined property and casualty agent license, administered by Pearson VUE for the Georgia Office of Commissioner of Insurance and Safety Fire. You will see 135 multiple-choice questions in 2½ hours: 125 are scored and 10 are unscored pretest questions you cannot identify. You pass by answering 70% of the questions correctly — Georgia reports a true percent score, not a scaled score. Unlike Texas and a handful of other states, Georgia does require pre-licensing education before this license: an approved 16-hour course (8 hours Property + 8 hours Casualty), completed within the last 12 months. Pass the exam, apply through Sircon with a citizenship affidavit, complete electronic fingerprinting, and you are licensed for both lines — Georgia does not license property-only or casualty-only agents at all.

Who can take the Georgia P&C exam?

Georgia’s requirements, from the candidate handbook and the OCI, are:

Be a Georgia resident or have a Georgia business address.
Be at least 18 years old.
Complete the required pre-licensing education — for this license, the 16-hour Property and Casualty course: an 8-hour Property course and an 8-hour Casualty course from a state-approved provider, taken within the last 12 months (see the education box below).
Pass the licensing exam (this one).
Be of good character. A license may be refused on the grounds listed in O.C.G.A. § 33-23-21 — the handbook directs applicants to that statute for the conduct categories that can affect eligibility, and application questions about your background must be answered honestly.
Submit the notarized Citizenship Affidavit, Form GID-276-EN, attesting to U.S. citizenship or lawful presence, with a copy of the front of one of the secure and verifiable identification documents listed on the form. Your application cannot be processed until the affidavit and ID copy are uploaded.
Complete electronic fingerprints for a criminal background check, at your own cost, through IdentoGO — after you submit your license application (the sequence is in the fees and registration section below).
Apply online at www.sircon.com/georgia. Resident applicants apply through Sircon; Georgia routes new resident applications there.

The pre-licensing education requirement, in full. Georgia is a course-first state. Before you can be licensed as a Property & Casualty agent, you must complete an approved 16-hour pre-licensing course — 8 hours on Property and 8 hours on Casualty — from a provider approved by the Commissioner. You can find approved providers through the education lookup on Sircon. Two timing rules matter:

Your course completion is valid for one year. You must pass the Pearson VUE exam within 12 months of completing the training. If a year passes without a pass, you retrain — the handbook is blunt about this.
Exam preparation is not education. A practice program like ours does not count toward the 16 hours and grants no education credit. Georgia requires the approved course; what you do beyond it to prepare for the exam itself is your choice.

Waivers and special cases:

CPCU waiver. The OCI grants a waiver of the pre-licensing course and the examination to applicants who hold the Chartered Property Casualty Underwriter (CPCU) designation — attach a copy of the designation with your application.
Education-only exemptions. The handbook’s application table lists designations and credentials (including CIC, CISR, and CRM) as exemptions from the education requirement for this license, and notes expressly that a BBA in insurance exempts the holder from pre-licensing education only — it does not exempt the exam. Read the current handbook table for your credential before assuming you can skip either step.
Moving to Georgia. If you were licensed for the same lines in your previous home state, the OCI can waive the course and exam if your prior license was active when you moved, you attach the original clearance letter from your prior state, and you apply within 90 days of the move. The handbook adds the mechanics: request the Letter of Clearance, and once your old license is inactive you have 90 days to apply and keep the exemption.
Temporary license. An insurer can sponsor a temporary agent license — issued for six months, extendable in three-month steps up to a maximum of 15 months, one per lifetime — for a resident who sells through that one insurer under a supervising licensed, appointed agent. It does not convert to a regular license; the standard path still runs through the course and this exam.

The exam, piece by piece

The COMBO exam is a single sitting. Georgia publishes content outlines for the Property Agent and Casualty Agent exams (Pearson VUE, Georgia Insurance Content Outlines, #121102), and the COMBO exam is built from those two outlines together with their Georgia-law sections — Pearson publishes no separate COMBO outline, and the Georgia outlines list topics and subtopics without assigning a question count to each section. What follows is the full published structure the exam draws from.

Part / section	What it covers
Property outline
I. Types of Policies	Homeowners; dwelling policies; commercial lines; inland marine; the National Flood Insurance Program; other property policy forms
II. Insurance Terms and Related Concepts	Insurance and insurable interest; risk, hazard, peril, loss; loss valuation; proximate cause; deductible; indemnity; limits of liability; coinsurance / insurance to value; occurrence; cancellation and nonrenewal; vacancy and unoccupancy; liability and negligence; binders; endorsements; blanket vs. specific coverage
III. Policy Provisions and Contract Law	Declarations; insuring agreement; conditions; exclusions; definition of the insured; duties of the insured; obligations of the insurer; mortgagee rights; proof of loss; notice of claim; appraisal; other-insurance provisions; subrogation; elements of a contract; warranties, representations, and concealment; underwriting information sources; the Fair Credit Reporting Act; privacy protection (Gramm-Leach-Bliley); the policy application; the Terrorism Risk Insurance Act (TRIA); territory
Casualty outline
I. Types of Policies, Bonds, and Related Terms	Commercial general liability; automobile — personal auto and business auto; workers’ compensation, employers liability, and related issues; crime; bonds; professional liability; umbrella / excess liability; businessowners policy (BOP)
II. Insurance Terms and Related Concepts	Risk; hazards; indemnity; insurable interest; loss valuation; negligence; liability; occurrence; binders; warranties, representations, concealment; deposit premium / audit; certificates of insurance; the law of large numbers; pure vs. speculative risk; endorsements; damages; Fair Credit Reporting Act compliance
III. Policy Provisions	Declarations; insuring agreement; conditions; exclusions and limitations; definition of the insured; duties of the insured after a loss; cancellation and nonrenewal provisions; supplementary payments; proof of loss; notice of claim; arbitration; subrogation; loss settlement provisions, including consent to settle; TRIA
Georgia laws, rules, and codes (in both outlines)
Georgia State Laws, Rules, and Regulations Pertinent to All Insurance Lines	The Insurance Department and the Commissioner; general insurance definitions; licensing of agents, counselors, subagents, and adjusters; unfair trade practices
Georgia Rules and Codes Pertinent to Property & Casualty Insurance	Cancellation and nonrenewal of policies; regulation of rates; binders; the Georgia Insurer Solvency Pool
Georgia Rules and Codes Pertinent to Property Insurance Only	The FAIR Plan
Georgia Rules and Codes Pertinent to Casualty Insurance Only	Automobile insurance rules; workers’ compensation law

Three structural facts that shape how you should prepare:

It is genuinely one exam over two disciplines. Property forms and casualty forms, two terms sections, two provisions sections — a candidate strong on homeowners but thin on commercial liability and workers’ compensation is only half prepared.
Georgia law is a named, bounded block. The state sections are short lists with concrete content: who the Commissioner is and what the Department does, how Georgia licenses its agents, subagents, and adjusters, what counts as an unfair trade practice, when policies can be cancelled or nonrenewed, how binders work, and the two Georgia institutions — the FAIR Plan for property coverage of last resort and the Georgia Insurer Solvency Pool. Bounded material rewards direct study like nothing else on the exam.
There is one score. The property, casualty, and Georgia-law questions combine into a single percent score. Strength in one area can offset weakness in another — and an ignored area drags the whole result down with it.

Pretest questions. Of the 135 questions you will see, 10 are pretest items Pearson VUE is collecting statistics on for future exams. They do not affect your score, they are mixed in with the scored questions and not identified, and there is no way to spot them reliably. The only correct strategy is to treat every question as scored.

The passing standard, explained

You pass by answering 70% of the questions correctly.

Georgia’s scoring is simpler than the scaled-score systems used in many states, and the handbook explains it directly: your examination score is reported as a percent score on a scale of 0% to 100% — the percentage of questions you answered correctly — and the passing score, set by the Georgia Insurance Department after a comprehensive study of each examination, is 70%.

One refinement matters. The exam exists in multiple versions, called forms, and forms differ slightly in difficulty. Pearson VUE applies a statistical procedure called equating so that no candidate gains an unfair advantage or disadvantage from the particular form they happen to draw. Equating does not change what your score means — it is still a percentage of correct answers against a standard the Department set — but it is why “the other form” is never an explanation for a result.

What your score report shows:

If you pass: a score report marked “pass.” You leave the test center with your official score in hand; results are never given by phone.
If you do not pass: a score report with your numeric score and diagnostic information about your performance, plus information about reexamination. That diagnostic breakdown is the starting point for a retake plan — it tells you which part of a two-discipline exam cost you the pass.

A note on pass rates: Pearson VUE does not publish a Georgia pass-rate report for this exam that we could find, so any website quoting a precise Georgia first-time pass rate is working from something other than a current vendor publication. Treat the 70% line itself as the planning number: prepare until full-length practice, across both disciplines and the Georgia-law block, sits comfortably above it.

Fees and registration, step by step

Keep the payments separate in your mind — they go to different places at different times, and Georgia’s sequence has one step in an order that surprises people.

Payment	Amount	Paid to	When
Pre-licensing course (16 hours)	Set by the approved provider	The course provider	Before the exam
Exam fee	$67	Pearson VUE	When you reserve your appointment
License application	$120 ($100 license fee + $20 processing fee)	The state, via Sircon	After you pass
Fingerprinting	IdentoGO’s fee (separate)	IdentoGO	After your application is submitted

The exam fee is non-refundable and non-transferable except as the change/cancel policy allows (below). It must be paid at reservation by credit card, debit card, or voucher — fees are not accepted at the test center.

The sequence, in order:

Complete your pre-licensing course. Finish the approved 16-hour course (8 hours Property + 8 hours Casualty) and keep your completion certificate — you will need the school’s code or name when you reserve the exam. Your one-year clock starts when you finish: pass the exam within 12 months or retrain.
Reserve the exam. Create an account and book on Pearson VUE’s Georgia insurance page (www.pearsonvue.com/us/en/ga/insurance.html) or by phone at (800) 274-0488. Reservations must be made at least 24 hours before your desired date, subject to availability; walk-in exams are not available. Have ready: your legal name, address, Social Security number, and daytime phone number — entered exactly as they appear on your ID, because errors can delay your scores reaching your license application — plus your pre-licensing school information and your payment method. The COMBO exam is also available in Spanish; candidates taking the Spanish version can switch between Spanish and English during the exam.
Take the exam at a Pearson VUE test center (Georgia exams are also offered at select test centers on military installations for candidates with base access). You receive your official score report before you leave.
Apply for the license — after passing. Submit the electronic application at www.sircon.com/georgia with the $120 payment, and upload the notarized Citizenship Affidavit (Form GID-276-EN) with a copy of the front of your acceptable ID. If your application is incomplete, you get one deficiency notice and 60 days to fix it; after 60 days the application closes and the fee is forfeited.
Register for fingerprinting — only after the application is in. Georgia’s order is application first, fingerprints second. Once your Sircon application is submitted, register at ga.state.identogo.com/ata; you will receive a registration approval email from IdentoGO, which you take with you to a fingerprint site. All new resident applicants must be fingerprinted for the criminal background check, at the applicant’s cost.
Get appointed. A license gives you the authority; a Certificate of Authority appointment from an insurer is what lets you sell that insurer’s products. CA appointments are made by the insurer, are valid for new licensees only once the permanent license is issued, and are renewed annually by the company.

Changing or cancelling. Call Pearson at (800) 274-0488 at least 48 hours before your appointment to change or cancel; with proper notice you can transfer the fee to a new reservation or request a refund. Without proper notice, the fee is forfeited. If you are late or absent, Pearson’s excused-absence process covers defined emergencies (illness, a death in the immediate family, a disabling traffic accident, court appearance or jury duty, military duty, weather emergency) if you call within 14 days of the exam date — otherwise an absence forfeits the fee.

After you pass

The application steps are steps 4–6 of the fees and registration section above: Sircon application with the $120 state payment, the notarized Citizenship Affidavit with your ID copy, IdentoGO fingerprint registration after the application is submitted, and then a Certificate of Authority appointment from each insurer you will represent.

Two facts about the license itself:

It is a two-year license that expires on the last day of your birth month — so a first license actually runs between roughly 18 and 29 months depending on when your birthday falls.
Renewal runs on continuing education: resident licensees licensed less than 20 years complete 24 hours of CE per biennium, including 3 hours of ethics (20 hours for licensees with 20+ years; reduced requirements apply to holders of certain professional designations). CE is a renewal obligation, separate from the pre-licensing course you took before the exam.

Retakes and score validity

Retake waiting periods. If you do not pass, you must wait 14 days before testing again after your first and second attempts, and 60 days after your third attempt and every attempt after that. You can schedule the new appointment within a day of the failed attempt — but the appointment date itself must respect the waiting period.
No attempt limit. Georgia sets no cap on how many times you may take the same exam. The $67 exam fee applies to each attempt.
A scheduling detail: you must wait 24 hours after a failed attempt before scheduling the reexamination, and appointments are never made at the test center.
The validity clock that matters most is your course’s, not your score’s. Pre-licensing training is valid for one year: pass the exam within 12 months of completing the course or you must retrain before you can be licensed. That clock is the real deadline behind any retake plan — a 60-day wait late in your course year can push a retake past the anniversary and add a second course to your costs. Do not let it.

Test day

Arrive 30 minutes early to check in with the test center administrator. Your identification and documentation are reviewed and you are photographed for the score report.
Bring two forms of identification. Both must be current signature identification, in English, and the name must exactly match your registration. The primary ID must be government-issued and photo-bearing with a signature (driver’s license, state/country ID card, passport or passport card, military ID, or alien registration card); the secondary ID must carry a valid signature (a Social Security card, a debit or credit card, or any primary-list document). No ID, no exam — and the fee is forfeited. Pearson recognizes no grace periods on expired ID, even if the issuing state does.
Sign the Candidate Rules Agreement, and follow it. Suspected cheating or tampering is reported, the fee is not refunded, the exam may be invalidated, and the state may act.
Use the tutorial. You get a computer tutorial before the exam that does not reduce your testing time.
Nothing goes in with you. No phones, watches, wallets, bags, hats, books, notes, or pens — personal items go in the secure storage the administrator directs you to, powered off. The administrator provides the materials for notes or calculations; you may not write on them before the exam begins or take them out of the room.
Breaks run on the clock. Unscheduled breaks require the administrator’s attention, the exam timer does not stop, and you may not leave the floor or building during the exam.
Pace for 135, not 125. You have 150 minutes for everything on screen, including the 10 pretest items you cannot identify — roughly a minute per question. The handbook’s own advice is worth following: scoring is based on questions answered correctly with no penalty for a wrong answer, so it is always better to answer than to leave a question blank. Flag the hard ones, keep moving, come back.
Results are immediate. You leave with your official score report in hand.

How to study for this exam

The outlines are the syllabus — Pearson VUE publishes exactly what the exam covers, and Georgia’s version of that advice has a specific shape because of the course-first system and the two-discipline COMBO structure.

Let your pre-licensing course do its job, then go beyond it. The approved 16-hour course is required, and it teaches the material. But a course certificate is not exam readiness: the exam asks you to use the material across 135 questions in 150 minutes. The gap between “completed the course” and “passed the exam” is practice — questions, under time, with explanations.
Study the two disciplines in parallel, not in sequence. Candidates who finish all their property study before touching casualty arrive with the first half half-forgotten. Alternate: property policy types against casualty policy types, property provisions against casualty provisions. The COMBO exam mixes them; your study should too.
Give the Georgia-law block its own pass. It is the most bounded, most concrete material on the exam: the Commissioner and the Department, Georgia’s licensing rules for agents, counselors, subagents, and adjusters, unfair trade practices, cancellation and nonrenewal rules, rate regulation, binders, the FAIR Plan, and the Georgia Insurer Solvency Pool. These are facts with right answers, and they reward direct memorization.
Learn terms in context, not as a glossary. Both outlines carry a full Terms and Related Concepts section — risk, hazard, peril, indemnity, coinsurance, negligence, binders, endorsements. The exam tests vocabulary inside scenarios; definitions learned inside questions stick.
Watch the course clock. Your pre-licensing completion is good for one year. Build your study plan backward from a test date comfortably inside that year, with room for a 14-day (or 60-day) retake wait if the first sitting goes wrong.
Practice at full length, against the clock. 135 questions in 150 minutes is a pacing skill separate from knowledge. Full generated practice exams built on the Georgia outlines build both; short quizzes build only one.
Read every explanation, especially for questions you got right. A right answer from a wrong reason is a wrong answer waiting for a different question.

This program’s Georgia practice bank (9,828 questions, including 2,334 on Georgia laws, rules, and codes) is built section-by-section on these same outlines. It is exam preparation only — it does not satisfy the 16-hour pre-licensing requirement. The Georgia Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.

Frequently asked questions

How many questions are on the Georgia P&C exam?
135 questions appear on screen in 2½ hours. 125 are scored and 10 are unscored pretest questions mixed in so candidates cannot tell them apart.

What is the passing score for the Georgia insurance exam?
70% of the questions answered correctly. Georgia reports a percent score — the percentage of questions you answered correctly — and the Georgia Insurance Department sets the passing standard at 70%. Pearson VUE equates the exam’s multiple forms so no form is easier than another.

Does Georgia require pre-licensing education for a P&C license?
Yes — 16 hours of approved pre-licensing education: an 8-hour Property course and an 8-hour Casualty course, from a state-approved provider. Your completion is valid for one year; pass the exam within 12 months of finishing the course or you must retrain.

Does PassProfessor count toward the 16 hours?
No. This program is exam preparation only. It provides no education credit and does not satisfy Georgia’s pre-licensing requirement. You still need the approved course from a state-approved provider; this prepares you for the exam itself.

How much does the Georgia P&C exam cost?
The exam fee is $67, paid to Pearson VUE when you reserve. After you pass, the license application is $120 through Sircon (a $100 license fee plus a $20 processing fee). Fingerprinting through IdentoGO carries its own separate fee, and your pre-licensing course is priced by its provider.

How do I register for the Georgia insurance exam?
Reserve on Pearson VUE’s Georgia insurance page or by calling (800) 274-0488, at least 24 hours before your desired date. Walk-ins are not available. Your registration name must exactly match your government-issued ID.

What do I bring to the exam?
Two forms of current signature identification, in English, exactly matching your registration name: a government-issued photo ID with a signature as primary, and a second signed ID. Without them you are not admitted and the fee is forfeited.

What happens after I pass the Georgia P&C exam?
Apply through Sircon with the $120 payment and your notarized Citizenship Affidavit (Form GID-276-EN) plus a copy of your ID. Then register for IdentoGO fingerprinting — Georgia requires the application to be submitted before fingerprint registration. Once licensed, you need a Certificate of Authority appointment from each insurer you will represent.

If I fail, how soon can I retake the Georgia exam?
You must wait 14 days before retesting after a first or second failed attempt, and 60 days after a third or any later attempt. There is no limit on the number of attempts, and the $67 fee applies each time. You may schedule the new appointment within a day, as long as the test date respects the waiting period — and remember your pre-licensing course expires one year after completion, which can make a long wait expensive.

Can I get a Georgia license for just Property, or just Casualty?
No. Georgia does not license just Property or just Casualty for agents — you apply for both, take the combined COMBO exam, and hold both lines. (Georgia does run separate Property Agent and Casualty Agent exams, which serve other license categories such as adjusters; the agent license itself is combined.)

Who is exempt from the Georgia P&C exam?
Holders of the CPCU designation can have both the pre-licensing course and the examination waived, per the OCI. Applicants moving to Georgia who held the same lines in their prior home state can also qualify for a waiver if the prior license was active at the move, they provide a clearance letter, and they apply within 90 days. Certain other credentials exempt the education requirement only — a BBA in insurance, for example, waives the course but never the exam.

What Georgia-specific topics does the exam cover?
The Department and the Commissioner; Georgia’s licensing rules for agents, counselors, subagents, and adjusters; unfair trade practices; cancellation and nonrenewal rules; rate regulation; binders; the Georgia FAIR Plan; the Georgia Insurer Solvency Pool; and the casualty-side codes for automobile insurance and workers’ compensation law.

How long is the Georgia insurance license good for?
Two years, expiring on the last day of your birth month (so a first term runs about 18–29 months). Renewal requires continuing education — 24 hours per biennium including 3 hours of ethics for most resident licensees.

Disclaimer

PassProfessor is an independent exam-preparation provider and is not affiliated with the Georgia Office of Commissioner of Insurance and Safety Fire, Pearson VUE, or any state agency or exam vendor. This guide is general information about the Georgia licensing exam, current as of October 2026; Georgia Office of Commissioner of Insurance and Safety Fire and Pearson VUE publications govern if anything here differs from them.