General Requirements
Major Lines licenses include:
- Life, Accident and Sickness
- Property
- Casualty
- Personal Lines
Agents licensed in multiple lines are only required to meet the same requirements as agents with single lines of licensing.
Georgia Major Lines Licensed Insurance Agents are required to complete 24 credits of continuing education every 2 years prior to their license expiration date. Of the 24 Credits required, 3 credits must be done in the category of Ethics Training. The remaining requirements are “non-license type specific”: Agents can take courses in any topic as long as they are approved by the Georgia Department of Insurance.
Agents licensed in multiple major lines (Property and Life, for example) are only required to meet the same requirements as Producers with single lines of licensing. In other words: the maximum number of credits you need to earn is 24 – regardless of how many license lines of authority you hold.
Agents must complete their CE Requirements prior to their license expiration date to be eligible to renew their license. Licenses can be renewed online through NIPR.com, or Sircon.com. The renewal
fee is $105 for any number of major-lines licenses being renewed. Agents holding a Variable Life license must pay an additional $100 and have an active FINRA license to be eligible for renewal.
Licenses are eligible for renewal when:
- all CE Requirements have been completed
- when the licensee is within 90 days of their license expiration date
Special Training Requirements
There are special training requirements for Georgia insurance agents who sell certain products. These courses count towards your CE Requirements.
Flood Insurance
Georgia insurance agents who sell Flood Insurance must complete a 1 – time, 3 hour Flood Training Course.
Long Term Care
Georgia insurance agents may not sell, solicit or negotiate a Long-Term Care Partnership policy unless the individual has completed an initial 8 Hour Long Term Care training course. Agents must also complete ongoing training consisting of a 4 Hour Long Term Care training course every compliance period following.
Annuity Training
Any Georgia life insurance agent who sells, solicits or negotiates an annuity product must complete a one-time, 4 Hour Annuity Best Interest course prior to selling.
CE Exemptions and Reductions
There are limited exemptions from CE Requirements for some Georgia insurance agents.
Agents licensed consecutively for more than 20 years are only required to take 20 Hours of Continuing Education, 3 hours of which must be in Ethics.
Exemptions and reductions in the CE requirements are granted on a case-by-case basis for illness or involvement in activities related teaching, legislative and journalism projects involving insurance. Any requests for exemptions or reductions must be requested in advance of the license expiration date.
Agents who hold professional designations are eligible for a reduction in the amount of CE Credits they must complete. Agents holding a CPCU, CLU, FLMI, CIC, Certified Employee Benefit Specialist (CEBS), ChFC, Accredited Advisor in Insurance (AAI), Certified Financial Planner (CFP), or a major BBA in Risk Management and Insurance from an accredited college are only required to complete 12 hours of continuing education, with 3 of those hours being in ethics. These agents must submit proof of their designations in advance of their license expiration date.
Georgia insurance agents who are unable to comply with license renewal procedures due to active military service may request a waiver of those procedures as well.
Carryover Credits
Excess credits of up to fifty percent (50%) of the biennial CE requirement will be carried forward to
the next filing period. Excess Ethics Training carries over as a General Credit and will not be applied
to future Ethics Training Requirement.
Course Repeat Restrictions
Agents will not receive credit for the same course taken within the same renewal period.
Late Renewal and Reinstatements
Georgia insurance licenses will be considered inactive if their CE Requirements and Renewal Application are not completed prior to the license expiration date. Agents have up to 15 days beyond their expiration date to complete their CE and submit their renewal application for an additional fee of $15. Beginning 18 days after the expiration date, agents have up to 1 year to complete their CE and Renewal Requirements and reinstate their license. Agents may reinstate their license through NIPR’s Resident License Renewal (RLR) Application and pay all required fees of $280. If the license is inactive for more than 1 year, the agent must reapply through the Resident License Application.
Georgia Insurance Agent Continuing Education & Renewal Requirements Summary
| Renewal Term | Every 2 Years |
| Renewal Date | Last Day of Birth Month – Every 2 Years |
| CE Requirements | 24 Credits Total (3 in Ethics) |
| Course Requirements | Non-License Type Specific (Courses May Be Taken in Any Approved Subject Matter) |
| Special Training | Flood – 1 Time Prior to Selling. Annuities – 1 Time “Best Interest Training”Long Term Care – 8 Hour Initial, 4 Hours Every Renewal Period Following. |
| Exemptions | Military-Active Duty with Form Submission Agents Licenses 20 or More Years Only Need to Complete 20 Credits – 3 in Ethics |
| Renewal Fee | $105 – Major-Lines (Total)Variable Life + $100 |
| Renewal Site | NIPR.com or Sircon |
| Missed Renewal | License Inactive After Expiration Date |
| Late Renewal, Reinstatement, Fees | 15 Days Beyond Expiration + $15 Beyond 18 Days to 1 Year + $150 + Processing Fee of $15 After 1 Year – Relicense |
| Carryover Credits | Up to 50% |
| Course Repeat Restrictions | No Credits for Repeat Course within Same Renewal Period |
Georgia Department of Insurance Contact Information
Website: https://oci.georgia.gov/
Phone: 800-274-8969
Email: pvgainsurance@pearson.com
2 Martin Luther King, Jr., Drive
West Tower, Suite 702
Atlanta, GA 30334
