State RegulationsGA specificDifficulty 2/5
An insurer doing business in Georgia argues that the Insurance Commissioner has no authority over how it solicits and advertises its policies. Which statement best describes the Commissioner's authority under Georgia law?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under O.C.G.A. §§ 33-2-1 through 6 and §§ 33-2-9 through 32, the Insurance Commissioner is granted broad powers and duties: supervising insurers, regulating trade practices and the solicitation of insurance, examining records, and enforcing the Insurance Code. Insurer conduct in solicitation and advertising falls squarely within this broad regulatory authority.
Why the other options are wrong
- B) Producer licensing is only one of many Commissioner duties; O.C.G.A. §§ 33-2-1 through 6 confer supervisory power over insurers' business and solicitation practices as well.
- C) Premium taxes and financial examinations are part of the role, but O.C.G.A. §§ 33-2-9 through 32 extend the Commissioner's authority well beyond tax collection to market conduct.
- D) No insurer consent is required; the Commissioner's supervisory powers under O.C.G.A. §§ 33-2-1 through 6 apply to all insurers transacting business in Georgia.
Memory hook
Georgia's Commissioner supervises the whole market — policy, pitch, and paperwork.