A Georgia producer who has been licensed fewer than twenty years must complete how much continuing education each biennium, including ethics hours?

Why C is correct

Under Ga. Comp. R. & Regs. r. 120-2-3-.09, Georgia licensees with fewer than twenty years of licensure must complete twenty-four hours of approved continuing education each biennium, of which three hours must be ethics. The reduced hour counts apply only to the longer-tenured and designated-licensee categories, so a licensee well short of twenty years plans around the full twenty-four-hour standard.

Why the other options are wrong

• A) Twenty hours is the biennium requirement for licensees with twenty or more years of licensure, not for this licensee.
• B) Twelve hours is the reduced requirement tied to approved professional designations, which the stem does not involve.
• D) Ten hours with no ethics requirement describes the Navigator category, not a standard Georgia producer's obligation.

Memory hook

Under twenty years: twenty-four hours, three of them ethics.

Why B is correct

Under Ga. Comp. R. & Regs. r. 120-2-3-.09, a Georgia licensee who has held the license for fewer than 20 years must complete 24 hours of continuing education per biennium, including 3 hours of ethics. Licensees with 20 or more years complete a 20-hour requirement, and holders of certain listed professional designations qualify for a reduced 12-hour requirement, both still including the ethics component.

Why the other options are wrong

• A) 12 hours including 3 ethics is the reduced requirement for holders of listed professional designations, not the standard requirement for licensees under 20 years.
• C) 20 hours including 3 ethics applies to licensees with 20 or more years of licensure, not to this producer with fewer than 20 years.
• D) 30 hours is not a Georgia continuing education requirement, and Georgia always requires ethics hours as part of the total.

Memory hook

Under 20 years? 24 and 3 — twenty-four hours, three of ethics.