- GALAS (exam code 12-GA-05) has exactly 12 domains, and Domain 10 alone is worth 15.2% of the exam.
- The exam is 135 questions (125 scored, 10 unscored pretest) in 2 hours 30 minutes, closed-book, at Pearson VUE.
- Three of the twelve domains cover Georgia-specific law: Domains 10, 11, and 12.
- Passing requires 70%; the Q1 2026 pass rate was 54% overall and 59% for first-timers.
GALAS Content Outline Overview
Every question on the Georgia Life, Accident & Sickness Agent Exam is drawn from one of 12 defined content areas published by the Georgia Office of the Commissioner of Insurance and Safety Fire and administered through Pearson VUE. Unlike vague "study everything" advice, the official outline tells you precisely how the 125 scored questions (plus 10 unscored pretest items you can't identify) are distributed. If you're building a prep plan, this breakdown is more useful than any generic template because it tells you where the exam actually puts its weight.
The current outline took effect October 22, 2024, and is still the version referenced in the August 2026 candidate handbook, so nothing structural has changed heading into 2026. For a full walkthrough of how to convert this outline into a study plan, see the GALAS Study Guide 2026. If you want to understand how these domains translate into overall exam difficulty, read How Hard Is the GALAS Exam?
Life Insurance Domains (1-4)
The first four domains build the foundation of life insurance product knowledge tested on the exam. These are conceptually dense sections because they cover product mechanics you'll need every day as a licensed producer.
Domain 1: Life - Types of Policies
Candidates must distinguish term, whole life, universal life, and variable products, along with how each is structured, priced, and marketed. Expect scenario questions asking you to identify which policy type fits a described situation.
- Term vs. permanent coverage mechanics
- Universal life flexibility features
- Group vs. individual life contracts
Domain 2: Life - Policy Riders, Provisions, Options, and Exclusions
This domain tests the fine print: waiver of premium, accelerated death benefit, guaranteed insurability, and standard exclusions like suicide clauses. Questions often present a claim scenario and ask whether a rider or exclusion applies.
- Nonforfeiture options
- Settlement options
- Common exclusion language
Domain 3: Life - Completing the Application, Underwriting, and Delivering the Policy
This covers the producer's actual workflow: application completion, insurable interest, underwriting classifications, and delivery requirements including free look provisions.
- Application accuracy and misrepresentation risk
- Underwriting risk classes
- Delivery receipt and free look period
Domain 4: Life - Retirement and Other Insurance Concepts
Annuities, qualified retirement plans, and how life insurance products interact with retirement planning fall here. Expect questions on annuity payout structures and tax treatment of retirement products.
- Fixed vs. variable annuities
- Qualified vs. nonqualified plans
- Annuitization phases
Accident & Sickness Domains (5-9)
Domains 5 through 9 mirror the life insurance structure but apply it to health, disability, and accident products - plus a domain on social insurance that many candidates underestimate.
Domain 5: Accident & Sickness - Types of Policies
Covers individual and group health, disability income, long-term care, Medicare supplement, and specified disease policies. You need to know what each policy type covers and how eligibility differs.
Domain 6: Accident and Sickness - Policy Provisions, Clauses, and Riders
Mandatory and optional provisions, elimination periods, and renewability clauses (guaranteed renewable, noncancelable, conditionally renewable) are tested extensively here.
Domain 7: Social Insurance
This standalone domain covers Social Security disability benefits, Medicare, and Medicaid basics as they relate to private insurance coordination. It's easy to skip in prep but appears as its own line item on the outline, so it earns dedicated study time.
Domain 8: Accident and Sickness - Other Insurance Concepts
Coordination of benefits, taxation of health benefits, and managed care concepts (HMO, PPO structures) live here.
Domain 9: Accident and Sickness - Field Underwriting Procedures
This is the producer-practice domain: application completion for health products, replacement rules, and disclosure requirements at the point of sale.
Key Takeaway
Domains 5-9 collectively cover as much ground as the four life domains combined, so don't let life insurance content dominate your review time simply because it's listed first on the outline.
Georgia Law Domains (10-12)
Domains 10 through 12 are what make this exam Georgia-specific rather than a generic national life and health test. Together they cover state statutes, licensing rules, and consumer protection requirements unique to Georgia.
Domain 10: Georgia Laws, Rules, and Regulations Pertinent to Life, Accident & Sickness Insurance
At 15.2%, this is the largest single domain on the exam. It covers general licensing law, unfair trade practices, producer duties, and administrative rules that apply across both life and health lines.
- Licensing and appointment requirements
- Unfair claims and trade practice standards
- Producer conduct and disciplinary grounds
Domain 11: Georgia Rules and Codes Pertinent to Life Insurance Only
Narrower than Domain 10, this section isolates state-specific rules that apply exclusively to life products, such as replacement regulations and life-specific disclosure forms used in Georgia.
Domain 12: Georgia Rules and Codes Pertinent to Accident & Sickness Insurance Only
The health-line counterpart to Domain 11, covering Georgia-specific accident and sickness statutes, including state mandates that go beyond federal minimums.
Because Domains 10, 11, and 12 together make up a substantial share of the scored questions, many candidates find that memorizing Georgia-specific statute numbers and consumer protection rules is more time-consuming than the product knowledge domains. A dedicated reference sheet helps here - see the GALAS Cheat Sheet 2026 for a condensed review of these Georgia-specific rules alongside other must-know facts.
How Questions Are Actually Written
All 135 questions are multiple-choice, delivered in a closed-book format at a Pearson VUE test center, in either English or Spanish. Of those, 125 are scored and 10 are unscored pretest questions used to evaluate future exam content - you won't be told which is which, so every question deserves full attention.
Across all 12 domains, expect three recurring question styles:
- Definitional recall: "Which of the following best defines...” - common in Domains 1, 5, and 7.
- Scenario application: A short client situation followed by "which provision applies" - heavily used in Domains 2, 3, 6, and 9.
- Statute identification: "Under Georgia law, a producer must..." - the format dominating Domains 10, 11, and 12.
Understanding which format dominates each domain lets you tailor your review technique - flashcards for definitional domains, practice scenarios for application-heavy domains, and statute summaries for the three Georgia law domains. You can practice all three formats using full-length simulations on the main practice test site before test day.
Mapping a Study Schedule to the Domains
Rather than studying domains in the order they appear on the outline, allocate time proportional to weight and personal weak spots. A four-week structure built around the 12 domains looks like this:
Life Domains 1-4
- Master policy types before moving to riders and provisions
- Drill underwriting and delivery scenarios (Domain 3)
- Review annuity and retirement concepts (Domain 4)
Accident & Sickness Domains 5-9
- Compare renewability clauses across policy types (Domain 6)
- Isolate Social Insurance (Domain 7) as its own study block
- Practice field underwriting disclosure scenarios (Domain 9)
Georgia Law Domains 10-12
- Spend extra time on Domain 10 given its 15.2% weight
- Separate life-only rules (Domain 11) from health-only rules (Domain 12)
- Build a one-page statute reference sheet
Full Review and Timed Practice
- Take full-length timed practice exams matching the 2-hour 30-minute limit
- Revisit missed questions by domain, not just overall score
- Finalize review of Domain 10 statutes the day before the exam
This kind of proportional scheduling is the one place where general study methodology matters - but it only works when it's tied directly to the domain weights above rather than applied generically. For more detail on structuring the weeks leading up to test day, see the GALAS Study Guide 2026.
Registration and Retake Mechanics
Domain mastery only matters if you can actually sit for the exam. The GALAS exam (code 12-GA-05) costs $67 and is scheduled through Pearson VUE. Before scheduling, resident applicants must be at least 18 years old, hold a Georgia residence or business address, and complete 8 hours of Life prelicensing and 8 hours of Accident & Sickness prelicensing within the 12 months prior to testing.
After passing, candidates submit the Sircon application along with a citizenship affidavit and complete fingerprinting to finish licensing. Full eligibility details, including prelicensing hour requirements, are covered in GALAS Requirements 2026, and a complete cost breakdown - exam fee plus prelicensing and application costs - is available in GALAS Certification Cost 2026.
If you don't pass on your first attempt, Georgia requires a 14-day wait after each of the first two failures, and a 60-day wait after any subsequent failure. There's no cap on total attempts, but each retake means re-paying the $67 fee and rescheduling through Pearson VUE, so treating the domain outline seriously the first time saves both money and time. For current test center availability and scheduling windows, see GALAS Exam Dates 2026.
Key Takeaway
Passing requires 70% correct on the 125 scored questions - not 70% per domain - so a strong showing in high-weight domains like Domain 10 can offset a shakier performance elsewhere. Details on exact scoring mechanics are in GALAS Passing Score 2026.
What This Content Actually Prepares You For
The 12 domains aren't just exam trivia - they map directly to day-to-day responsibilities of a licensed life, accident, and sickness producer in Georgia. Agencies hiring newly licensed producers expect familiarity with the same product categories and Georgia-specific compliance rules tested in Domains 10 through 12, since violations of those state rules carry real regulatory consequences. Once licensed, ongoing competence is reinforced through continuing education: the standard resident-producer CE requirement is 24 hours every two years, including 3 hours of ethics, though producers with 20 or more years of licensure only need 20 hours including 3 ethics.
If you're evaluating whether the licensing effort is worthwhile relative to job prospects and long-term earning potential, see GALAS Salary Guide 2026 and Is the GALAS Certification Worth It?. For a look at where licensed producers actually find work, check GALAS Jobs. You can also start building domain familiarity right now with realistic practice questions on the practice test platform.
| Domain Group | Domains | Focus |
|---|---|---|
| Life Insurance | 1-4 | Products, riders, underwriting, retirement concepts |
| Accident & Sickness | 5-9 | Products, provisions, social insurance, underwriting |
| Georgia Law | 10-12 | State statutes for combined, life-only, and health-only rules |
FAQ
Domain 10, Georgia Laws, Rules, and Regulations Pertinent to Life, Accident & Sickness Insurance, is the largest at 15.2% of the exam.
Three domains (10, 11, and 12) cover Georgia-specific rules, while the remaining nine cover general life and accident & sickness product knowledge.
No. Of the 135 multiple-choice questions, 125 are scored and 10 are unscored pretest questions you cannot identify during the exam.
The current outline has been effective since October 22, 2024, and remains the version referenced in the August 2026 candidate handbook.
Yes, the closed-book exam is offered in English or Spanish at Pearson VUE test centers.