Under O.C.G.A. § 33-6-4(c), an insurer or producer that makes unlawful false representations about a policy sold commits:

Why C is correct

O.C.G.A. § 33-6-4(c) makes unlawful false representations as to a policy sold a misdemeanor, adding criminal exposure on top of the Insurance Commissioner's administrative remedies. The classification signals that misrepresenting what a policy delivers is not merely a marketing error; it is an offense against Georgia's insurance consumers, punishable alongside suspension or other disciplinary action.

Why the other options are wrong

• A) The statute classifies the offense as a misdemeanor, not a felony.
• B) Because the conduct is a misdemeanor, the exposure is not limited to civil penalties.
• D) License revocation is a disciplinary outcome reached through the Insurance Commissioner's processes, not the automatic criminal consequence the section imposes.

Memory hook

Lie about the policy sold: misdemeanor in Georgia.

Why B is correct

Under O.C.G.A. § 33-6-4(c), making unlawful false representations as to the policy sold is classified as a misdemeanor. The administrative remedies available to the Insurance Commissioner — such as cease-and-desist orders with penalties up to $10,000 for each act or violation under O.C.G.A. § 33-6-9, plus suspension or revocation — are separate enforcement tools layered on top of the criminal classification.

Why the other options are wrong

• A) The $10,000-for-each-act figure belongs to the cease-and-desist penalty under O.C.G.A. § 33-6-9 after notice and hearing, not to the criminal classification in § 33-6-4(c).
• C) License revocation is an administrative remedy the Commissioner may pursue, but it is not automatic and is not the penalty classification set out in § 33-6-4(c).
• D) The statute classifies false representations about the policy sold as a misdemeanor, not a felony carrying mandatory imprisonment.

Memory hook

False statements about the policy sold = misdemeanor under § 33-6-4(c).

Why B is correct

Under O.C.G.A. § 33-6-4(c), making unlawful false representations as to the policy sold is a misdemeanor. Criminal exposure exists regardless of whether the customer ultimately proves a loss, and the Insurance Commissioner may separately pursue administrative penalties and license action.

Why the other options are wrong

• A) O.C.G.A. § 33-6-4(c) classifies the offense as a misdemeanor; the felony classification appears in other contexts, such as premium misappropriation over $1,000 under O.C.G.A. § 33-23-35(c).
• C) The offense is complete when the false representation is made; no customer loss is required.
• D) The statute expressly gives the conduct a criminal classification, not merely a civil one.

Memory hook

False promises about the policy = misdemeanor in Georgia.