Georgia Insurance Exam 2025
Questions and Answers
An example of false advertising would be - --Answer --An insurer
exaggerating its dividends in a magazine advertisement
Why would the Commissioner examine an insurer's records? - --Answer --
To determine the solvency of the insurer
All accident and sickness plans MUST provide coverage on newborn children for
___ days. - --Answer --31
An insurance agent is guilty of _____ if the agent misrepresents a policy to induce
a policyowner to surrender an existing policy. - --Answer --twisting
In Georgia, long-term care policies are required to provide benefits for at least - --
Answer --12 months
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? - --Answer --
Entire Contract
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,The coordination of benefits (COB) provision exists in order to - --Answer -
-avoid duplication of benefit payments
During the application process, the agent's primary responsibility is to - --
Answer --the insurance company
When is a group accident and health policy required to provide coverage for a
newborn child? - --Answer --At the moment of birth
Cash surrendering an existing whole life policy and purchasing a new whole life
policy is referred to as a(n): - --Answer --replacement
In Georgia, which of the following statements is CORRECT about life insurance
advertisements? - --Answer --An insurance agency is responsible for
advertisements placed by its insurance agents
In Georgia, an insurer licensed to conduct business in Georgia, but domiciled in
New Jersey, is called a(n): - --Answer --foreign company
Which document MUST accompany an application that initiates the replacement
of an existing life insurance policy? - --Answer --A signed statement by the
applicant regarding the replacement
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
, Which of the following documents must an agent submit to the replacing
insurance company during the replacement of an existing life insurance policy? - --
Answer --Notice to existing and replacing insurers of intention to replace
Which of the following situations does NOT apply to the Georgia Replacement
Rule? - --Answer --An existing policyholder purchases an additional policy
from the same insurer
In Georgia, which of the following is considered an Unfair Trade Practice? - --
Answer --Coercion
Insurance companies that are organized in countries outside the United States are
referred to as - --Answer --alien
J is an agent who recently told a claimant that his rights might be impaired if he
does not complete a release form within a specified time. What could this agent be
found guilty of? - --Answer --Coercion
Prior to a hearing that could potentially revoke an agent's license, what is required
by the Commissioner? - --Answer --Giving written notice to the agent
Someone who is appointed by an insurer to engage in insurance transactions is
called a(n): - --Answer --agent
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
Questions and Answers
An example of false advertising would be - --Answer --An insurer
exaggerating its dividends in a magazine advertisement
Why would the Commissioner examine an insurer's records? - --Answer --
To determine the solvency of the insurer
All accident and sickness plans MUST provide coverage on newborn children for
___ days. - --Answer --31
An insurance agent is guilty of _____ if the agent misrepresents a policy to induce
a policyowner to surrender an existing policy. - --Answer --twisting
In Georgia, long-term care policies are required to provide benefits for at least - --
Answer --12 months
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? - --Answer --
Entire Contract
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,The coordination of benefits (COB) provision exists in order to - --Answer -
-avoid duplication of benefit payments
During the application process, the agent's primary responsibility is to - --
Answer --the insurance company
When is a group accident and health policy required to provide coverage for a
newborn child? - --Answer --At the moment of birth
Cash surrendering an existing whole life policy and purchasing a new whole life
policy is referred to as a(n): - --Answer --replacement
In Georgia, which of the following statements is CORRECT about life insurance
advertisements? - --Answer --An insurance agency is responsible for
advertisements placed by its insurance agents
In Georgia, an insurer licensed to conduct business in Georgia, but domiciled in
New Jersey, is called a(n): - --Answer --foreign company
Which document MUST accompany an application that initiates the replacement
of an existing life insurance policy? - --Answer --A signed statement by the
applicant regarding the replacement
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
, Which of the following documents must an agent submit to the replacing
insurance company during the replacement of an existing life insurance policy? - --
Answer --Notice to existing and replacing insurers of intention to replace
Which of the following situations does NOT apply to the Georgia Replacement
Rule? - --Answer --An existing policyholder purchases an additional policy
from the same insurer
In Georgia, which of the following is considered an Unfair Trade Practice? - --
Answer --Coercion
Insurance companies that are organized in countries outside the United States are
referred to as - --Answer --alien
J is an agent who recently told a claimant that his rights might be impaired if he
does not complete a release form within a specified time. What could this agent be
found guilty of? - --Answer --Coercion
Prior to a hearing that could potentially revoke an agent's license, what is required
by the Commissioner? - --Answer --Giving written notice to the agent
Someone who is appointed by an insurer to engage in insurance transactions is
called a(n): - --Answer --agent
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
