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
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
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
, 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
What's the requirement for a nonresident agent license applicant? - ANSWER-
Being a licensed agent in the agent's home state
Which organization was established to provide funds to protect an insured in the
event of an insurer's insolvency? - ANSWER-Georgia Life and Health Insurance
Guaranty Association
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
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
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
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
, 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
What's the requirement for a nonresident agent license applicant? - ANSWER-
Being a licensed agent in the agent's home state
Which organization was established to provide funds to protect an insured in the
event of an insurer's insolvency? - ANSWER-Georgia Life and Health Insurance
Guaranty Association
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
