GA Life & Health exam-day guide
GA Life & Health · Prepare for the day ahead.
Your checklist
Government-issued photo ID with your signature
Your name on the ID must match your registration exactly. A driver's license or passport is typical. Confirm the specific ID requirements and whether a second form of ID is needed with the test provider before exam day.
Exam confirmation / appointment record
Bring the confirmation number or appointment email you received when you scheduled. Many centers accept a digital copy on your phone, but phones go into a locker, so a printed copy is the safer choice.
Proof of prelicensing course completion, if required
Georgia requires prelicensing education for Life and Accident & Sickness lines. Confirm with the provider or the Georgia Department of Insurance whether you must present a course completion certificate at the test center or whether the vendor reports it electronically.
Your login credentials or candidate ID for the testing vendor
Know the username/ID and password (or candidate ID number) associated with your scheduling account so check-in is not delayed.
Printed or written directions to the test center
Do a dry run mentally: confirm the street address, which entrance to use, and where parking is. Test centers are often inside office parks or strip centers and are easy to miss.
A plan to arrive 30 minutes early
Build in buffer for traffic, parking, and check-in. Arriving late can mean being turned away and losing your exam fee.
A one-page numbers sheet to review in the car (not at the desk)
Review-only material: free-look periods, grace periods, replacement and advertising rules, underwriting timeframes, and Georgia-specific statutes. Anything on paper stays outside the testing room.
Layers or a light jacket
Testing rooms vary in temperature and you may be seated for a couple of hours. Dress comfortably and in layers.
Water and a snack for after the exam
Food and drink are almost never allowed at the workstation. Leave them in the car or a locker and use them after you finish.
Nothing that could be construed as a cheating aid
Leave notes, textbooks, flashcards, smartwatches, fitness bands, and phones out of the testing room. Most centers provide a locker; confirm locker availability with the provider.
Plan the day
Re-read the official content outline and confirm the weighting between the Life and Accident & Sickness sections (or the single-line outline if you are testing one line). Spend remaining study time in proportion to the weights, not on your favorite topic.
Do one full-length timed practice set under exam conditions, then review every missed question and write down the underlying rule, not just the answer.
Verify logistics: re-confirm the appointment date, time, and address; check the provider's reschedule/cancellation deadline (commonly 24-48 hours, but confirm with the provider); and map your route.
Stop learning brand-new material. Drill only high-yield rules you already half-know: free look, grace period, reinstatement, incontestability, replacement, beneficiary designations, coordination of benefits, and Georgia-specific statutes.
Do a light review of your own notes and the numbers sheet. No new practice exams and no cramming past midnight - sleep is worth more than one more chapter.
Lay out your ID, confirmation record, and clothing. Charge your phone. Confirm one more time that your ID name matches your registration name.
Set two alarms and plan to eat a normal breakfast or lunch. Decide your departure time with a 30-minute arrival cushion built in.
Eat a real meal, hydrate moderately, and avoid heavy caffeine if you are already anxious. Skim - do not study - your numbers sheet once.
Arrive at the center about 30 minutes early. Complete check-in, store personal items in the locker, and use the restroom before you are seated.
Read the candidate rules agreement carefully, then take a few slow breaths before question one. If the interface offers a tutorial, use it to get comfortable with the navigation and the flag/mark feature.
Do two passes: answer everything you know cold first and flag anything that requires calculation or a long fact pattern. Never leave a question blank unless the exam penalizes wrong answers (confirm the scoring rule with the provider).
Watch the clock and set mental checkpoints - for example, know roughly how many questions you should have answered at the halfway mark. If you fall behind, speed up on the easy items rather than rushing the hard ones.
For scenario items, identify who is asking, what the product is, and whether a regulation (replacement, disclosure, suitability) or a contract provision controls. Eliminate two answers, then pick the one that matches the rule you can state out loud.
If you finish early, revisit only your flagged questions. Change an answer only when you can point to a specific rule you misapplied - not on a hunch.
Rules to check
Bring one valid government-issued photo ID bearing your signature, with a name that exactly matches your registration. If your name differs (marriage, legal change), resolve it with the provider before exam day - do not show up and hope.
Arrive at least 30 minutes before your appointment. Candidates who arrive after the start time may be denied admission and forfeit their fee; confirm the provider's specific cutoff.
Phones, smartwatches, notes, books, and any other study material are prohibited in the testing room. Use the locker or leave items in your vehicle. A device discovered at the workstation is typically treated as a testing irregularity.
No one may answer content questions for you during the exam. If you believe a question is defective, note it mentally and move on - do not attempt to discuss it with staff mid-test.
Unscheduled breaks are usually allowed but the clock keeps running, and you will be re-screened on re-entry. Confirm the break policy with the provider before you start.
Your score is based on the number of items you answer correctly against a passing standard set by the state, not on a curve against other candidates. Confirm the current passing score and reporting method with the provider.
Results are typically issued at the test center immediately after you finish, with official reporting handled separately. Keep your score report - you may need it for your license application.
Any irregular conduct - talking, leaving the room without permission, using unauthorized materials, or attempting to record exam content - can result in your score being voided and your candidacy being reported.