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 Chapter 3905 licensing and fingerprinting, and unfair trade practices.
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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
The Ohio Life, Accident and Health insurance agent exam (Series 11-35) is administered by PSI Services LLC for the Ohio Department of Insurance (ODI). Ohio licenses Life and Accident & Health as separate lines of authority, but candidates take them together on one combined exam. Resident applicants complete 20 hours of pre-licensing education for each line, so a combined exam requires two course certificates (Ohio Adm.Code 3901-5-09), and new resident applicants also submit fingerprints for BCI and FBI criminal records checks (Ohio Revised Code Section 3905.051). Since March 13, 2026, PSI no longer offers remote proctored Ohio exams, so the exam is taken in person at a PSI test center.
The exam has 150 questions with 2.5 hours to finish, and the minimum passing score is 70%. The Candidate Information Bulletin says a few questions may be unscored experimental items, which still count against exam time. The exam fee is $49, paid when you reserve and valid for one year, and the outline is split into 16 sections with percentage weights rather than a separate state portion. Insurance Regulation, which covers state and federal law, licensing and unfair trade practices, carries 10% of the exam.
Ohio Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| OH — 1. Insurance Regulation | 10% | Licensing, disciplinary actions, state and federal regulation, agent regulation, unfair trade practices |
| 2. General Insurance | 5% | Risk concepts, types of insurers, agency, contract law |
| 3. Life Insurance Basics | 8% | Insurable interest, personal and business uses, amount of coverage needed, viatical settlements |
| 4. Life Insurance Policies | 7% | Term, whole life, flexible premium, specialized, group and credit life policies |
| 5. Life Policy Provisions, Options and Riders | 9% | Standard provisions, beneficiaries, settlement and nonforfeiture options, dividends, riders |
| 6. Annuities | 5% | Annuity principles, immediate and deferred annuities, payout options, uses |
| 7. Federal Tax: Life and Annuities | 8% | Taxation of policies, modified endowment contracts, annuities, IRAs, rollovers, 1035 exchanges |
| 8. Accident and Health Basics | 8% | Perils, types of losses, policy classes, limited policies, exclusions, underwriting |
| 9. Individual A&H Policy General Provisions | 5% | Standard and optional provisions, general policy provisions |
| 10. Disability Income and Related Insurance | 5% | Qualifying for benefits, individual, group and business disability, Social Security and workers' compensation |
| 11. Medical Plans | 6% | Plan concepts, provider types, cost containment, Ohio requirements, HIPAA, HSAs and FSAs, ACA |
| 12. Health Insuring Corporations | 5% | Characteristics, services and regulation of health insuring corporations |
| 13. Group Accident and Health | 5% | Group characteristics, eligible groups, marketing, employer plans, small employer plans |
| 14. Dental Care Plans | 2% | Treatment categories, indemnity plans, employer dental coverage |
| 15. Senior Citizens and Special Needs | 8% | Medicare Parts A through D, Medicare Advantage, Medicare supplements, Medicaid, long-term care |
| 16. Federal Tax: A&H | 4% | Taxation of personal and employer coverage, HSAs, HRAs |
Weights are from the Series 11-35 content outline in the Ohio Department of Insurance and PSI Candidate Information Bulletin (updated March 2026). The bulletin gives percentages of the 150 questions, not question counts per section.
What Makes the Ohio Life & Health Exam Different
One combined exam for two lines. Life and Accident & Health are separate lines of authority in Ohio, but Series 11-35 tests both at once. Because each line has its own 20-hour course, you present two certificates when you take the exam, one for each line.
Fingerprints come after you plan your application, not on exam day only. New resident applicants, and residents adding a line, submit fingerprints for BCI and FBI checks unless a check was done within the previous twelve months (Ohio Revised Code Section 3905.051). ODI requires a National WebCheck vendor, and results must go straight to ODI. The BCI fee is $22.00 and the FBI fee is $25.25, with participating vendors capping the total at $72.25, which PSI test centers also charge.
Minors can contract for life insurance at 15. A minor who is at least 15 on the date of the contract is not incompetent, by reason of minority alone, to make certain contracts on his or her own life, including buying or surrendering the policy, taking a policy loan, and making policy changes (Ohio Revised Code Section 3911.08).
Application misstatements are hard to use against a claim. An incorrect answer on a life insurance application does not bar recovery unless the insurer clearly proves it was willfully false, fraudulent, material, induced the policy and was unknown to both the agent and the company (Ohio Revised Code Section 3911.06).
Standard provisions for sickness and accident policies. Ohio requires standard provisions in these policies, including a grace period of at least 7 days for weekly premiums, 10 days for monthly premiums and 31 days for all other premiums, and a rule that after two years misstatements other than fraud cannot void the policy or deny a claim (Ohio Revised Code Section 3923.04).
Paper certificates and a short clock. Course certificates are valid for 180 calendar days, must be unaltered paper originals, and you must apply within 180 calendar days of passing the exam (Ohio Adm.Code 3901-5-09).
Sample Ohio Life & Health Insurance Exam Questions
1. Under Ohio law, what is the minimum age at which an insured minor is not considered incompetent, by reason of minority alone, to contract for certain life insurance transactions on his or her own life?
2. An applicant gives an incorrect answer to a question on an Ohio life insurance application, and the insured later dies. When may the insurer rely on that answer to deny recovery?
3. An Ohio individual sickness and accident policy is paid on a monthly premium basis. What is the shortest grace period the standard provisions allow for paying each premium after the first?
Study Tips for the Ohio Life & Health Exam
Accident & Health topics (sections 8 through 16) add up to 48% of the outline, against 37% for life insurance and annuities (sections 3 through 7). Spend real time on Medicare and senior coverage (8%), medical plans (6%) and health insuring corporations (5%), not only life products.
Federal tax shows up twice, 8% for life insurance and annuities and 4% for A&H. Review modified endowment contracts, 1035 exchanges, IRAs and the tax treatment of employer-paid health coverage and HSAs.
Bring paper originals of both course certificates (Life and Accident & Health) and an ID whose name exactly matches your registration. Missing or altered certificates cost you the exam fee.
Also licensing in property or casualty? See our Ohio Property & Casualty practice exam. National content is in our life and health practice exam, and our insurance license exam study guide covers exam strategy.
How to Get Your Ohio Life & Health Insurance License
There are four steps to get your Ohio insurance agent license for the Life and Accident & Health lines.
Steps to Get Your Ohio Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-Licensing Education | Complete a 20-hour course from an ODI-approved provider for each line, Life and Accident & Health. Each line gets its own certificate, valid for 180 calendar days. Holders of listed designations or an insurance degree may request a waiver before registering. |
| 2. Reserve the Exam | Reserve Series 11-35 with PSI online, by phone at 855-807-3995 or by fax, and pay the $49 fee at reservation. You will enter your pre-license provider and course completion dates. Exams are taken in person at a PSI center. |
| 3. Pass and Get Fingerprinted | Answer 150 questions in 2.5 hours and score at least 70%. Complete fingerprinting through a National WebCheck vendor, including the PSI centers, so BCI and FBI results reach ODI. |
| 4. Apply and Maintain | Apply through NIPR LicenseHub within 180 calendar days of passing. The application fee for Life and Accident & Health is $10. Renew every two years with 24 CE hours, including 3 on ethics. |
Ohio Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Lines of authority | Life; Accident & Health (separate lines, one combined exam) |
| Exam | Series 11-35, Life, Accident and Health Insurance Agent |
| Questions | 150, including a few unscored experimental items |
| Time limit | 2.5 hours |
| Passing score | 70% |
| Pre-license education | 20 hours per line, one certificate per line |
| Fingerprinting | Required for resident applicants (Ohio Revised Code Section 3905.051) |
| Exam provider | PSI Services LLC (in-person only since March 13, 2026) |
| Exam fee | $49, paid at reservation, valid for one year |
| Certificate validity | 180 calendar days from issuance |
| Retakes | No limit; no retest on the same day as an exam |
| License application fee | $10 for Life and for Accident & Health, plus a NIPR transaction fee |
| Continuing education | 24 hours every two years, including 3 on ethics |
| Licensing authority | Ohio Department of Insurance |
Verified against the Ohio Department of Insurance pages, its PSI Candidate Information Bulletin (updated March 2026), Ohio Adm.Code 3901-5-09 and Ohio Revised Code Sections 3905.051, 3911.06, 3911.08 and 3923.04. Fees and rules change; confirm current figures with ODI and PSI before you apply.
Our free Ohio Life & Health practice exam covers general and Ohio content. You can also try the national life and health practice exam or the insurance license exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Ohio Life & Health Insurance Exam
How many questions are on the Ohio Life, Accident and Health exam?
Series 11-35 has 150 questions and allows 2.5 hours. The bulletin says a few questions may be unscored experimental items, which count against exam time.
Do I take one exam or separate exams for Life and Accident & Health in Ohio?
One combined exam, Series 11-35. The two are still separate lines of authority, so you complete a 20-hour course and hold a certificate for each line.
What is the passing score for the Ohio insurance exam?
The minimum passing score for the Life, Accident and Health exam is 70%, according to the ODI and PSI Candidate Information Bulletin.
How many pre-licensing hours does Ohio require?
20 hours for each of Life and Accident & Health, from an ODI-approved provider. Certificates are valid for 180 calendar days, and degree or designation holders may request a waiver.
Does Ohio require fingerprints for an insurance license?
Yes for resident applicants. Ohio Revised Code Section 3905.051 requires BCI and FBI fingerprint checks, done through a National WebCheck vendor. Participating vendors cap the total at $72.25, and the check does not apply to renewals.
How much does the Ohio insurance exam cost?
The exam fee is $49, paid when you reserve, non-refundable and valid for one year. The license application fee is $10 per major line, plus a NIPR transaction fee for online applications.
Can I take the Ohio exam online?
No. ODI states that remote proctored exams ended on March 13, 2026, and exams continue in person at PSI testing locations.
What are the continuing education requirements in Ohio?
Resident major lines agents complete 24 CE hours every two years, including 3 hours of ethics, before submitting the renewal application. Up to 12 excess credits can carry over as general credit.
Practice Exam Questions — Ohio Life & Health
4 state-specific questions based on official sources. Correct answer highlighted in green.
Who administers the Ohio Life, Accident and Health agent exam?
- PSI Services LLC
- Pearson VUE
- Prometric
- The Ohio Department of Insurance itself
How much pre-licensing education does Ohio require for a resident Life and Accident & Health applicant?
- 20 hours per line
- 10 hours total
- 40 hours per line
- None for residents
Which law requires BCI and FBI fingerprint checks for new resident insurance license applicants?
- Ohio Revised Code Section 3905.051
- Ohio Revised Code Section 3911.08
- Ohio Revised Code Section 3923.04
- Ohio Revised Code Section 4509.20
How many continuing education hours must an Ohio major lines agent complete each renewal period?
- 24 hours, including 3 on ethics
- 16 hours, including 2 on ethics
- 12 hours annually
- 30 hours every three years