Georgia CE Guide

Georgia Insurance CE Requirements, Explained Clearly

This page is the Georgia renewal-side companion to your licensing guide. It breaks down the current CE rules, self-study limits, annuity best-interest training, and exam supervision details in plain English.

Need the Georgia ethics hours now?Go straight to the approved Georgia 3-Hour Ethics course, then use the affidavit page when the proctored final exam is complete.
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What Georgia Says About CE Right Now

Georgia’s continuing education page says resident licensees must complete their CE every other year, on or before the last day of the birth month. The hours depend on the licensee’s experience and, in some cases, professional designations.

This page is based on Georgia’s public CE page and education provider page as of March 13, 2026. Georgia also tells licensees to use the transcript tools in Sircon to confirm their exact compliance status.
☕ Birth-month rule 🍫 Ethics hours 🍑 Georgia transcript
Standard Path

Less Than 20 Years Licensed

  • 📚 Georgia says resident licensees with less than 20 years of service need 24 hours.
  • ⚖️ Of that total, 3 hours must be in ethics.
  • 🗓️ The filing deadline stays tied to the last day of the licensee’s birth month.
Experience Reduction

More Than 20 Years Licensed

  • 🍡 Georgia says licensees with more than 20 years of service are reduced to 20 hours.
  • ⚖️ That reduced total still includes 3 hours of ethics.
  • 📌 Georgia’s public page notes this automatic 4-hour reduction beginning in 2026.
Designation Track

Some Designation Holders Get 12 Hours

  • 🎓 Georgia says certain professional designation holders may complete 12 hours.
  • ⚖️ Even on that track, 3 hours must be ethics.
  • 🧾 Georgia says proof of the designation should be submitted to the office.
Format Limits

Georgia Tightened the Online Cap

  • 💻 Georgia’s education providers page says updated rules now limit CE courses to 24 hours for class attendance and 12 hours for self-study and online.
  • 🧠 That makes it worth checking delivery methods before you buy a big bundle.
  • 🔎 It is one of the easiest Georgia details to miss if you only skim provider catalogs.

What Georgia Expects for a Proctored Final Exam

If a Georgia self-study course includes a final exam, the supervised-exam rule matters. This is where many online course buyers get tripped up, so it helps to know the process before you enroll.

Who Can Proctor

Use a Disinterested Third Party

  • 🪪 Georgia provider guidance says the final exam must be supervised by an impartial, disinterested third party or an eligible licensed agent.
  • 🚫 The proctor should not be a family member or someone with a financial interest in the student passing.
  • 📝 Providers should collect a signed proctor affidavit and keep it with the course records.
What Not To Do

Do Not Assume a Student Attestation Is Enough

  • 💻 Georgia provider guidance does not support treating a remote click-through or unsupervised honor statement as the final exam process for self-study CE.
  • 📄 A student-only attestation is not the same as a real proctor affidavit.
  • 🔎 If a course advertises itself as fully self-serve, check how the final exam is actually supervised before buying.

The Georgia Annuity Best Interest Requirement

Georgia’s CE page includes a specific annuity training section, which matters because people often confuse it with ordinary CE. It is better treated as its own rule with its own timing.

Effective Date

Rule 120-2-94

  • 📅 Georgia’s CE page says Rule 120-2-94, Suitability in Annuity Transactions, became effective August 1, 2023.
  • 🍑 That is the date Georgia uses on its annuity best-interest section and FAQ materials.
Who Needs It

Producers Selling Annuities After the Rule Change

  • 📘 Georgia says producers licensed after August 1, 2023 who will sell annuity products must complete the one-time 4-hour course.
  • 🍬 On Georgia’s provider side, the course is listed as Annuity Best Interest 4.
Best Habit

Check Your Transcript Before You Buy

  • 🔎 Georgia tells licensees to use the licensing system transcript tools to confirm CE status.
  • 🧾 That same habit helps you avoid buying the wrong Georgia annuity course or duplicating something already completed.

Georgia CE Questions People Tend to Ask

When is Georgia CE due?

Georgia’s CE page says resident licensees complete CE every other year, on or before the last day of their birth month.

How many hours do most Georgia Life and Health agents need?

The standard Georgia track is 24 hours with 3 hours in ethics, though the total can drop to 20 hours for certain experienced licensees and 12 hours for certain designation holders.

Can a Georgia licensee do all CE online?

Not automatically. Georgia’s updated education-provider rules now limit CE to 24 hours for class attendance and 12 hours for self-study and online formats.

Is the annuity best-interest course just another CE elective?

It is better treated as its own requirement. Georgia’s CE page separates the annuity best-interest requirement from the regular CE summary and ties it to Rule 120-2-94.

Does a Georgia self-study final exam need a proctor?

Yes, that is the safer reading of the provider guidance. Georgia expects a supervised final exam workflow with a qualifying proctor and supporting affidavit rather than a student-only honor statement.

Where should I go when I am ready to buy?

Use Marshmallow CE's approved Georgia 3-Hour Ethics course page instead of a generic catalog. After the supervised final exam is complete, use the Georgia proctor affidavit page for documentation.

Once the Renewal Rules Are Clear, Start the Approved Georgia Ethics Course

The state page is for compliance clarity. The approved Marshmallow CE Georgia ethics course is where you can turn that clarity into a finished renewal step.