Free Georgia Life & Health Insurance License Exam Practice Test
Realistic 50-question practice exam with instant feedback and score reports.
About this practice exam
Free Georgia Life & Health Insurance License Exam practice test with 50 realistic multiple-choice questions, instant grading, and explanations. Study with drill mode, category score reports, and a personalized review plan.
Exam format
- 50 multiple-choice practice questions
- Drill mode with instant feedback and explanations after each answer
Study tips
- Review the official exam content outline before your first practice run.
- Take the full practice exam once to establish a baseline score by category.
- Focus review on categories where you score below the passing threshold.
- Re-take missed questions in drill mode until you can explain each correct answer.
- Schedule the real exam only after consistent passing scores on practice tests.
Sample GA L&H practice questions
Try a few representative questions below. Each includes the correct answer and a short explanation — the same style you'll see in the full practice test.
- Question 1Life Insurance Riders
A client in Georgia is purchasing a $250,000 life insurance policy with an accidental death benefit rider. The annual premium is $1,500. If the insured dies accidentally within the first year, what is the total death benefit payable to the beneficiary?
- A.$1,500
- B.$500,000(Correct)
- C.$250,000
- D.$750,000
Explanation
The accidental death benefit rider typically pays an additional amount, often equal to the face amount of the policy, if death occurs due to an accident. Therefore, the total death benefit would be the base policy amount ($250,000) plus the accidental death benefit ($250,000), totaling $500,000.
- Question 2Unfair Trade Practices
Under Georgia law, which of the following is considered an unfair trade practice related to insurance advertising?
- A.Disclosing that a policy is issued by a specific, authorized insurance company.
- B.Misrepresenting the terms, benefits, or coverage of an insurance policy in promotional materials.(Correct)
- C.Providing a clear and accurate summary of policy benefits and limitations.
- D.Using the term 'dividend' to describe a policyowner's share of surplus when the policy is participating.
Explanation
Misrepresenting policy terms, benefits, or coverage in advertising is a deceptive practice and constitutes an unfair trade practice under Georgia law. The other options describe permissible or required actions.
- Question 3Underwriting and Risk Classification
A 45-year-old male in Georgia is applying for a $500,000 term life insurance policy. The underwriter notes a history of smoking and moderate hypertension. Which of the following premium classifications is MOST likely to be assigned?
- A.Preferred
- B.Preferred Plus
- C.Substandard(Correct)
- D.Standard
Explanation
Smoking and hypertension are significant risk factors that would generally lead to a higher premium. Preferred and Preferred Plus rates are reserved for individuals with excellent health and minimal risk factors. Standard rates are for average risk, while Substandard rates are for individuals with higher-than-average risk due to health conditions or lifestyle choices.
Want the full exam? Start the free practice test →
Frequently asked questions
How many questions are on this GA L&H practice test?
This practice test includes 50 multiple-choice questions designed to mirror the format and difficulty of the real Georgia Life & Health Insurance License Exam.
Is this GA L&H practice test free?
Yes. You can start practicing for free. Create an account to save progress, track weak categories, and retake the exam.
Do I get explanations after each question?
Yes. In drill mode you see why the correct answer is right, why distractors are wrong, and practical examples where relevant.
How should I use this practice test to prepare?
Take the full exam under timed conditions, review missed questions by category, then focus study on your weakest sections before scheduling the real exam.
Does this replace official exam materials?
No. Use this as a supplement alongside official candidate information bulletins, textbooks, and hands-on experience required for your license or certification.
Related practice tests
Ready to test your knowledge?
Free 50-question practice exam — no sign-up required to try.