Ohio Life & Health Insurance License Practice Exam
150 practice questions covering national life & health concepts and Ohio-specific insurance statutes.
Ohio L&H — Study by Topic
Drill individual domains or take the full 150-question practice exam.
Life Insurance
Term, whole life, universal, variable life, policy provisions, nonforfeiture options, beneficiaries.
Health Insurance
Individual and group health, HMO, PPO, COBRA, disability income, long-term care, Medicare.
Annuities & Retirement
Fixed, variable, indexed annuities; suitability; qualified plans; Social Security; Medicare Parts A–D.
Ohio State Law
Superintendent authority, ORC 3905, unfair practices, replacement regs, HMO Act, guaranty association.
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Full OH L&H Exam
National and Ohio-specific questions mixed to match the real PSI exam structure.
About the Ohio Life & Health Insurance Exam
To get your Ohio Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70%. Exam fee: $40. Ohio is regulated by the Ohio Department of Insurance (ODI) under Ohio Revised Code Chapter 3901–3969. Visit insurance.ohio.gov for official licensing information. Commissioner appointed; fingerprinting via IdentoGO; PSI Bridge available; 20-hr pre-licensing per line; Ohio Life and Health Insurance Guaranty Association; ORC Chapter 3901; large Columbus insurance industry.
Pre-licensing education in Ohio: 20 hours per line. Continuing education: 24 hours biennial. License renewal fee: biennial. CE must be completed before submitting your Ohio renewal application. How to get licensed in Ohio: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Ohio producer license.
How to get a Ohio Life & Health insurance license in 2026: The Ohio Department of Insurance (ODI) (insurance.ohio.gov) administers all producer licensing in Ohio. Exam: PSI Services LLC, $40, 70%. Pre-licensing: 20 hours per line. Once licensed, maintain your Ohio Life & Health license by completing 24 hours biennial and paying the biennial renewal. For questions contact the Ohio Department of Insurance (ODI).
ODI (insurance.ohio.gov). ORC Chapter 3901-3969. Commissioner appointed. IdentoGO fingerprinting. 20-hr pre-licensing per line. PSI Bridge. Ohio L&H Guaranty Association.
Frequently Asked Questions — Ohio L&H Insurance Exam
How do I get a Ohio Life & Health insurance license?
To become a licensed Life & Health producer in Ohio: (1) Complete any required pre-licensing education (20 hours per line); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($40, 70%); (4) Apply for your Ohio producer license. The Ohio Department of Insurance (ODI) (insurance.ohio.gov) oversees all insurance producer licensing in Ohio.
What exam does Ohio use for Life & Health insurance licensing?
Ohio uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $40. Passing score: 70%. Commissioner appointed; fingerprinting via IdentoGO; PSI Bridge available; 20-hr pre-licensing per line; Ohio Life and Health Insurance Guaranty Association; ORC Chapter 3901; large Columbus insurance industry.
Does Ohio require pre-licensing for Life & Health insurance?
20 hours per line. For official pre-licensing provider information, visit insurance.ohio.gov.
What are Ohio's CE requirements for Life & Health producers?
Ohio requires: 24 hours biennial. Renewal fee: biennial. CE must be completed before submitting the renewal application. Contact the Ohio Department of Insurance (ODI) at insurance.ohio.gov for CE provider information.
What makes Ohio unique for Life & Health insurance licensing?
Commissioner appointed; fingerprinting via IdentoGO; PSI Bridge available; 20-hr pre-licensing per line; Ohio Life and Health Insurance Guaranty Association; ORC Chapter 3901; large Columbus insurance industry.
Practice Exam Questions — Ohio Life & Health
5 state-specific questions drawn from the Ohio exam content outline. Correct answer highlighted in green.
Ohio L&H exams are administered by:
- Pearson VUE
- Prometric
- PSI Services LLC — PSI Bridge available; exam fee $40; 70% to pass; 20-hr pre-licensing per line; IdentoGO fingerprinting; Commissioner appointed
- Ohio DOI directly
Ohio fingerprinting uses:
- Fieldprint before applying
- Gemalto (same as Indiana and NC)
- IdentoGO — Ohio uses IdentoGO fingerprinting with Ohio DOI-specific code; submitted to Ohio BCI and FBI
- At the PSI test center on exam day
Ohio CE requires:
- 24 hours biennial — ODI-approved providers; Commissioner appointed; renewal biennial; ORC Chapter 3901; IdentoGO fingerprinting; PSI Bridge available
- 30 hours triennial
- 16 hours biennial
- 12 hours annual
Ohio Workers' Compensation is notably:
- Competitive — private carriers write WC freely
- Monopolistic — employers MUST insure through the Ohio Bureau of Workers' Compensation (BWC); NO private WC carriers allowed; unique in the portfolio; major tested Ohio P&C fact
- Optional for Ohio employers with fewer than 5 employees
- Combination of BWC and private carriers
Ohio's primary insurance statute is:
- ORC Chapter 3915 — Life Insurance only
- Ohio Revised Code Chapters 3901-3969 — comprehensive Ohio Insurance Code; ODI at insurance.ohio.gov; 50 West Town Street, Suite 300, Columbus OH 43215; Commissioner appointed
- Ohio Administrative Code Chapter 3901 only
- ORC Chapter 4503 — Motor Vehicles