Key Takeaways
- Ohio requires 20 hours of pre-license education per line of authority (Life or Accident & Health)
- The Ohio Life, Accident, and Health exam has 150 questions with a 70% passing score
- PSI administers Ohio insurance exams at testing centers statewide and via remote proctoring
- All applicants must complete fingerprinting for a background check ($72.25 fee)
- License applications must be submitted within 1 year of passing the exam
Ohio Producer Licensing Requirements
Ohio has specific requirements for obtaining a Life, Accident, and Health insurance producer license. Understanding these requirements is essential for exam success.
Pre-License Education Requirements
Ohio requires 20 hours of pre-license education per line:
| License Type | Pre-License Hours |
|---|---|
| Life Insurance Only | 20 hours |
| Accident & Health Only | 20 hours |
| Life, Accident & Health | 40 hours (20 per line) |
Key Points:
- Courses must be completed at ODI-approved education providers
- Course completion certificate is valid for 12 months
- Online and classroom options available
- Ethics content included in pre-license education
Examination Requirements
The Ohio Life, Accident, and Health examination:
| Exam Detail | Requirement |
|---|---|
| Total Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 70% (105 correct) |
| Testing Provider | PSI Services LLC |
| Exam Fee | Approximately $52 |
| Retake Policy | No mandatory waiting period |
Exam Tip: Ohio requires a 70% passing score, which is standard for most states. The exam covers both national concepts and Ohio-specific laws.
Examination Process
- Complete pre-license education at approved provider
- Schedule exam with PSI online or call (800) 733-9267
- Exam options: Physical PSI testing center OR remote proctored exam
- Bring valid ID with photo (driver's license, passport, military ID)
- Receive results immediately after exam
Background Check Requirements
Ohio requires fingerprinting for all insurance license applicants:
Fingerprinting Process
- Fee: $72.25 (includes FBI and state background check)
- Vendor: ODI-approved fingerprint vendor (IdentoGO)
- Timing: Should be completed before or shortly after passing exam
- Results: Submitted electronically to ODI
Disqualifying Factors
ODI considers criminal history when evaluating license applications:
- Crimes involving fraud, dishonesty, or breach of trust
- Felonies substantially related to insurance activities
- Recent convictions (time elapsed matters)
- Pattern of criminal behavior
Note: A criminal record does not automatically disqualify an applicant. ODI considers the nature of the offense, time elapsed, and evidence of rehabilitation.
License Application
After passing the exam:
- Submit application through ODI's online system (NIPR recommended)
- Pay license fee ($50 application fee)
- Complete background check if not already done
- Receive license after ODI review (typically 2-4 weeks)
Application Timeline
- Must apply within 1 year of passing exam
- If you wait longer, you must retake the exam
- License effective date is date of ODI approval
License Types and Authority
| License Type | What You Can Sell |
|---|---|
| Life Insurance | Life insurance and annuities |
| Accident & Health | Health, disability, LTC insurance |
| Life, Accident & Health | All life and health products |
Agent Appointments
After obtaining a license:
- Must be appointed by an insurer to sell their products
- Appointment filed with ODI
- Can hold multiple appointments
- Insurers responsible for agent conduct
What is the passing score for the Ohio Life, Accident, and Health insurance exam?
How many hours of pre-license education does Ohio require for a Life, Accident & Health license?
What is the fingerprinting fee for Ohio insurance license applicants?