GEORGIA CLAIMS ADJUSTER LICENSING
ACTUAL EXAMINATION 2026 QUESTIONS
WITH CORRECT ANSWERS GRADED A+
⫸ All accident and sickness plans MUST provide coverage on newborn
children for ___ days.
25
10
31
7 Answer: 31
⫸ In Georgia, an accident and sickness policy that is paid on a quarterly
basis requires a grace period of
45 days
31 days
7 days
10 days Answer: 31 days
⫸ An insurance agent is guilty of _____ if the agent misrepresents a
policy to induce a policyowner to surrender an existing policy.
misrepresentation
coercion
twisting
sliding Answer: twisting
,⫸ In Georgia, long-term care policies are required to provide benefits
for at least
18 months
12 months
6 months
24 months Answer: 12 months
⫸ As a condition for a loan, a bank requires the borrower to purchase
credit insurance from a specific company. What is the bank guilty of?
Defamation
Rebating
Misrepresentation
Coercion Answer: Coercion
⫸ In Georgia, monthly-premium accident and sickness insurance
policies must provide a grace period of at least
10 days
7 days
31 days
14 days Answer: 10 days
⫸ Before an insurance company can pay commissions to an agent, the
agent must be
,bonded
bonded and insured
licensed and appointed
licensed only Answer: licensed and appointed
⫸ S takes out an accident and sickness insurance policy which contains
a provision that states that the agent does not have the authority to
change the policy or waive any of its provisions. Which health policy
provision is this?
Legal Actions
Insurance with other insurers
Reinstatement
Entire Contract Answer: Entire Contract
⫸ Convincing a prospective insured to buy an insurance policy based on
exaggerations is called
rebating
twisting
intimidation
misrepresentation Answer: misrepresentation
⫸ Defamation occurs when an agent
makes a false statement intended to
, malign another insurer
restrict fair trade
misrepresent the provisions of an insurance policy
replace an existing insurance policy with another Answer: makes a false
statement intended to
malign another insurer
⫸ During the application process, the agent's primary responsibility is to
the State of Georgia
the Commissioner
the applicant
the insurance company Answer: the insurance company
⫸ How often must an insurance agent license be renewed in Georgia?
Every 6 months
Every 2 years
Every 3 years
Each year Answer: Every 2 years
ACTUAL EXAMINATION 2026 QUESTIONS
WITH CORRECT ANSWERS GRADED A+
⫸ All accident and sickness plans MUST provide coverage on newborn
children for ___ days.
25
10
31
7 Answer: 31
⫸ In Georgia, an accident and sickness policy that is paid on a quarterly
basis requires a grace period of
45 days
31 days
7 days
10 days Answer: 31 days
⫸ An insurance agent is guilty of _____ if the agent misrepresents a
policy to induce a policyowner to surrender an existing policy.
misrepresentation
coercion
twisting
sliding Answer: twisting
,⫸ In Georgia, long-term care policies are required to provide benefits
for at least
18 months
12 months
6 months
24 months Answer: 12 months
⫸ As a condition for a loan, a bank requires the borrower to purchase
credit insurance from a specific company. What is the bank guilty of?
Defamation
Rebating
Misrepresentation
Coercion Answer: Coercion
⫸ In Georgia, monthly-premium accident and sickness insurance
policies must provide a grace period of at least
10 days
7 days
31 days
14 days Answer: 10 days
⫸ Before an insurance company can pay commissions to an agent, the
agent must be
,bonded
bonded and insured
licensed and appointed
licensed only Answer: licensed and appointed
⫸ S takes out an accident and sickness insurance policy which contains
a provision that states that the agent does not have the authority to
change the policy or waive any of its provisions. Which health policy
provision is this?
Legal Actions
Insurance with other insurers
Reinstatement
Entire Contract Answer: Entire Contract
⫸ Convincing a prospective insured to buy an insurance policy based on
exaggerations is called
rebating
twisting
intimidation
misrepresentation Answer: misrepresentation
⫸ Defamation occurs when an agent
makes a false statement intended to
, malign another insurer
restrict fair trade
misrepresent the provisions of an insurance policy
replace an existing insurance policy with another Answer: makes a false
statement intended to
malign another insurer
⫸ During the application process, the agent's primary responsibility is to
the State of Georgia
the Commissioner
the applicant
the insurance company Answer: the insurance company
⫸ How often must an insurance agent license be renewed in Georgia?
Every 6 months
Every 2 years
Every 3 years
Each year Answer: Every 2 years
