This is the one page you print, tape to your wall, and glance at the morning of your test. It condenses everything the Georgia Property & Casualty Agent Exam (GAPC) throws at candidates - the numbers, the domains, the licensing steps, the deadlines - into a format you can scan in five minutes. If you want the full walkthrough behind any of these facts, the GAPC Study Guide 2026: How to Pass on Your First Attempt covers the reasoning in depth. This page is the condensed version for the week before test day.
- The exam has 135 questions (125 scored, 10 unscored) with a 2-hour 30-minute limit and a 70% passing score.
- Exam code 12-GA-06 costs $67 through Pearson VUE, offered in English or Spanish.
- Casualty types of policies, bonds, and related terms is the single largest domain at 18.4%.
- Q1 2026 pass rate was 55% overall, 64% for first-time candidates - preparation matters.
Exam Snapshot: The Numbers You Must Memorize
Every GAPC candidate should be able to recite these figures without hesitation. The Georgia Office of the Commissioner of Insurance and Safety Fire owns the exam content, but Pearson VUE administers it at test centers under exam code 12-GA-06.
| Detail | Fact |
|---|---|
| Exam code | 12-GA-06 |
| Fee | $67 |
| Total questions | 135 (125 scored, 10 unscored pretest) |
| Time limit | 2 hours 30 minutes |
| Passing score | 70% |
| Format | Closed-book, multiple choice, English or Spanish |
| Q1 2026 pass rate | 55% overall, 64% first-time candidates |
| Content outline effective date | October 22, 2024 (used in the August 2026 handbook) |
Notice the gap between overall and first-time pass rates - 55% versus 64%. That nine-point spread tells you preparation quality, not luck, drives outcomes. For a deeper dive into why that gap exists, see GAPC Pass Rate 2026: What the Data Shows. If you're still weighing whether the difficulty justifies the effort, How Hard Is the GAPC Exam? Complete Difficulty Guide 2026 breaks down what makes this test harder than it looks on paper.
Domain-by-Domain Cheat Sheet
The GAPC content outline splits into ten domains across four categories: Property, Casualty, and two buckets of Georgia-specific law. Knowing the shape of this outline changes how you allocate study time - some domains carry far more weight than others.
Domain 1: Property - Types of Policies
Covers dwelling forms, homeowners policies, and commercial property forms. Expect scenario questions asking which policy type fits a given risk.
- Know the differences between HO forms at a glance
Domain 2: Property - Insurance Terms and Related Concepts
Definitions and concepts that underpin every property question elsewhere on the exam - actual cash value, replacement cost, coinsurance.
- Master valuation methods before moving to provisions
Domain 3: Property - Policy Provisions and Contract Law
Contract elements, conditions, and exclusions specific to property contracts.
- Focus on how conditions differ from exclusions
Domain 4: Casualty - Types of Policies, Bonds, and Related Terms
This is the largest domain on the entire exam at 18.4% - nearly one in five questions touches this material. It spans liability policies, auto forms, workers' compensation, and surety/fidelity bonds.
- Give this domain the most repetition of any single topic
- Bonds are frequently underprepared - don't skip them
Domain 5: Casualty - Insurance Terms and Related Concepts
Liability concepts, negligence standards, and casualty-specific vocabulary.
- Pair this with Domain 4 since terminology reinforces policy knowledge
Domain 6: Casualty - Policy Provisions
Conditions, endorsements, and exclusions within casualty contracts.
- Compare against Domain 3 to spot property-versus-casualty distinctions
Domains 7-10: Georgia State Laws, Rules, and Codes
These four domains cover state laws applicable to all lines, rules pertinent to both property and casualty, and rules specific to each line individually. The exact percentages vary by exam form and are published as ranges rather than fixed numbers.
- Because weighting varies by form, don't assume any one Georgia-law domain is "small"
- Study licensing, appointment, and unfair-practices rules thoroughly
For a full breakdown of every domain with example question angles, bookmark the GAPC Exam Domains 2026: Complete Guide to All 10 Content Areas. It expands on each bullet above with more granular sub-topics.
Key Takeaway
Because Casualty types of policies, bonds, and related terms is the single heaviest domain at 18.4%, it should receive your longest and most repeated study block - not an afterthought squeezed in near the end.
Registration and Fee Mechanics
Scheduling the GAPC exam is straightforward once you understand the sequence. Prelicensing education comes first, exam registration comes second, and the Sircon application comes after you pass.
- Prelicensing hours: 8 hours of Property and 8 hours of Casualty, completed within 12 months of applying.
- Registration: Book through Pearson VUE using exam code 12-GA-06.
- Fee: $67 per attempt, paid at scheduling.
- Language options: English or Spanish.
- Location: In-person at a Pearson VUE test center - this is a closed-book, proctored exam.
If you want a complete cost breakdown including prelicensing course fees and retake costs, read GAPC Certification Cost 2026: Complete Pricing Breakdown. And if scheduling logistics are your main concern right now, GAPC Exam Dates 2026: Testing Windows, Deadlines & Scheduling walks through how testing windows and appointment availability actually work.
Licensing Checklist Beyond the Exam
Passing the exam is one step in a longer resident-producer licensing sequence. Georgia requires all of the following:
- Be at least 18 years old.
- Maintain a Georgia residence or business address.
- Complete 8 hours of Property and 8 hours of Casualty prelicensing education within 12 months.
- Pass the GAPC exam (12-GA-06) with a score of 70% or higher.
- Submit the Sircon application along with the citizenship affidavit.
- Complete fingerprinting as part of the background check process.
Missing any single item stalls your license, even after you've passed the exam itself. For the full eligibility breakdown with explanations of each requirement, see GAPC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Retake Rules If You Don't Pass
Not passing on your first try doesn't end your path - but the waiting periods stretch out the longer it takes.
| Attempt Result | Wait Before Retesting |
|---|---|
| First failure | 14 days |
| Second failure | 14 days |
| Third or later failure | 60 days |
There's no cap on total attempts, but each 60-day wait after repeated failures adds real delay to your licensing timeline. Reviewing exactly what 70% means in scored-question terms can help you avoid falling into that cycle - see GAPC Passing Score 2026: Exactly What You Need to Pass for the specifics.
Final-Week Review Plan
With ten domains and uneven weighting, your last week should prioritize repetition on the heaviest domain and quick refreshers everywhere else - not new material.
Casualty Policies, Bonds & Terms (Domain 4)
- Drill practice questions on liability forms, auto, workers' comp, and bonds since this domain carries the most weight
Property Domains (1-3)
- Review policy types, valuation terms, and contract provisions together
Georgia Law Domains (7-10)
- Revisit licensing rules, unfair-practices statutes, and line-specific codes
Full Timed Practice
- Take a full-length, 135-question timed simulation to build stamina for the 2-hour 30-minute limit
Running full timed simulations on the platform at georgiapropertyexam.com before test day helps you get comfortable with the pacing - roughly one minute per question with a buffer for review. If your prep has been scattered, the GAPC Study Guide 2026: How to Pass on Your First Attempt lays out a longer-horizon plan that leads into this final-week sprint.
Continuing Education After You're Licensed
Passing the exam isn't the finish line - Georgia resident producers must maintain their license through continuing education.
- Standard requirement: 24 hours every two years, including 3 hours of ethics.
- 20-year exemption: Producers licensed 20 years or more only need 20 hours, still including 3 hours of ethics.
Once you're actively working, it's worth understanding what the license actually opens up. Carriers, independent agencies, and MGAs across Georgia hire licensed producers who've passed this exact exam, and compensation structures vary by role type and book of business. For a numbers-grounded look at that side of things, see the GAPC Salary Guide 2026: Complete Earnings Analysis, and if you're still deciding whether to pursue licensing at all, Is the GAPC Certification Worth It? Complete ROI Analysis 2026 weighs the costs against the career upside.
Key Takeaway
Your CE clock starts the moment you're licensed - mark your 24-hour (or 20-hour, if eligible) renewal cycle immediately so it doesn't sneak up on you two years from now.
FAQ
There are 135 total questions: 125 are scored and 10 are unscored pretest questions used to test future exam content. You won't know which is which, so answer every question carefully.
You need 70% correct on the scored portion of the exam to pass.
Casualty types of policies, bonds, and related terms is the largest single domain at 18.4% of the exam, making it the highest-priority topic for repetition.
You must wait 14 days after each of your first two failures, and 60 days after any failure beyond that. There is no limit on total attempts.
Yes. The exam is offered in both English and Spanish at Pearson VUE test centers.
Keep this cheat sheet handy through your final review, but don't rely on it alone - pairing it with full-length practice runs on georgiapropertyexam.com is what actually builds the pacing and recall you need on test day.