Georgia Marketing Rules, Ethics & Unfair Practices
The final state topic covers how a Georgia producer must behave in the market: the prohibited unfair trade practices, the duty to handle client money properly, and the advertising and disclosure standards that keep sales honest. Most of these rules come from the state's unfair trade practices law and related department rules.
Unfair Trade Practices
Georgia's unfair trade practices law lists prohibited methods of competition and deceptive acts in the business of insurance. Prohibited conduct includes misrepresentation of policy terms, false or misleading advertising, unfair discrimination between similar risks, defamation of an insurer, coercion, and deceptive claim practices. Violations can lead to fines and license suspension or revocation by the department.
Rebating, Twisting, and Churning
Rebating (offering any part of the premium or commission, or other valuable consideration, as an inducement to buy) is prohibited in Georgia. Twisting is using misrepresentation to induce a policyholder to drop an existing policy for a new one; churning is a similar replacement abuse involving the same insurer's policies. All are barred because they harm consumers and create unfair discrimination among policyholders.
Fiduciary Duty and Handling Client Funds
Premiums a producer collects belong to the insurer or the client, not to the producer. Georgia treats this as a fiduciary responsibility: funds must be remitted properly and not commingled or converted for personal use. Failing to account for premiums, or misappropriating client money, is grounds for discipline and can also be a crime. Accurate records and honest disclosure are the core of market-conduct compliance.
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State-specific details
State exam facts
- State regulator
- Georgia Office of Commissioner of Insurance and Safety Fire
- Exam vendor
- Pearson VUE
- Prelicensing education
- 16 hours combined (8 hours per line; reduced from 20 in 2025)
- Passing score
- 70%
Who regulates life & health insurance licensing in Georgia?
The Georgia Office of Commissioner of Insurance and Safety Fire licenses life, accident & sickness agents. Georgia uses Pearson VUE to administer its licensing examinations.
Does Georgia require prelicensing education for the life & health exam?
Yes, but the requirement was reduced in 2025. Effective June 24, 2025, Georgia lowered prelicensing education to 8 hours per line of authority (16 hours for the combined Life, Accident & Sickness path), down from 20 hours per line.
How is the Georgia life & health exam administered?
The exam is delivered by Pearson VUE, and a minimum score of 70% is required to pass.
Sources: https://oci.georgia.gov, https://www.pearsonvue.com/us/en/ga/insurance.html
In the Georgia Life & Health Insurance Producer Exam guide: A KEY CONCEPT box, a Common Traps list and a Check Yourself set closing each of the 9 national chapters. Practice here stays free.