A Georgia life and accident and sickness producer who has been licensed for fewer than twenty years asks how much continuing education she must complete each biennium. Under Ga. Comp. R. & Regs. r. 120-2-3-.09, what must she complete?

Why B is correct

Under Ga. Comp. R. & Regs. r. 120-2-3-.09, a Georgia licensee with fewer than twenty years of licensure must complete twenty-four hours of continuing education each biennium, including three hours of ethics. Falling short of the requirement can block renewal of the license.

Why the other options are wrong

• A) The three hours of ethics are a mandatory component, not an optional add-on to the twenty-four-hour total.
• C) Twenty hours with three hours of ethics is the requirement for licensees with twenty or more years of licensure, which does not describe her.
• D) Twelve hours with three hours of ethics is the reduced requirement for holders of listed professional designations.

Memory hook

Under twenty years: twenty-four hours and three ethics.

Why C is correct

Under Reg. 120-2-3-.09 and the Georgia Candidate Handbook, a licensee may carry over up to 50 percent of the biennium requirement into the next renewal cycle, so half of the standard 24-hour obligation can be banked in an over-production year. The rules add a companion caution: a course may not be repeated for credit within the same renewal cycle.

Why the other options are wrong

• A) Georgia does not forfeit all excess hours; up to half of the biennium requirement carries forward to the next cycle.
• B) 25 percent understates the allowance; the carryover ceiling is 50 percent of the biennium requirement.
• D) Carryover is capped at half the requirement, so a licensee cannot bank an entire cycle's hours for the next biennium.

Memory hook

Bank half, not all: 50 percent of the CE requirement rolls into the next biennium.

Why B is correct

Under Ga. Comp. R. & Regs. r. 120-2-3-.09, a Georgia licensee with fewer than 20 years of licensure must complete 24 hours of continuing education per biennium, of which 3 hours must be ethics. The ethics block is mandatory, not elective, so a licensee who piles up 24 technical hours without the 3 ethics hours still falls short of compliance.

Why the other options are wrong

• A) 20 hours is the biennium requirement for licensees with 20 or more years of licensure, not for licensees under that threshold under Reg. 120-2-3-.09.
• C) The 24-hour total is correct, but the ethics requirement is 3 hours; there is no 10-hour ethics component in the Georgia CE rule.
• D) 30 hours with no ethics matches no Georgia tier; the standard tier is 24 hours including the mandatory 3 ethics hours.

Memory hook

Under twenty years licensed: 24 and 3 — two dozen hours, three of them ethics.