State RegulationsGA specificDifficulty 2/5
A producer licensed in another state applies for a Georgia nonresident license. The producer's home state does not license the insurance activity for which Georgia licensure is being sought. What does Georgia require?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under O.C.G.A. § 33-23-16, Georgia extends reciprocity to nonresident producers whose home states license them for the same activity. But when the home state does not license the activity at issue, the reciprocity premise fails, and Georgia fills the gap by requiring the applicant to take and pass the Georgia examination for that line of authority.
Why the other options are wrong
- B) The application need not be denied; O.C.G.A. § 33-23-16 provides the remedy — the applicant simply takes the Georgia examination for the unlicensed activity.
- C) A home-state license alone does not cover an activity the home state does not regulate, so Georgia will not waive its own requirement on that basis.
- D) The rule calls for the Georgia examination, not a full prelicensing education detour, when the home state does not license the activity.
Memory hook
No home-state test for the activity? Then Georgia gives you its own exam.