Ohio Insurance License
The Ohio insurance license exam, in plain numbers.
Everything below is specific to Ohio — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Ohio
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 150 | 105 | 70% | 45 |
| Life only | 75 | 53 | 70% | 22 |
| Health only | 75 | 53 | 70% | 22 |
Administered by PSI Services for the Ohio Department of Insurance. Time limit: 2 hours 30 minutes. Roughly 38 of the scored questions (25%) come from Ohio law — the block national courses cover most lightly.
Prelicensing
20 hours per line of authority, so 40 hours for the combined Life and Accident & Health path, with a SEPARATE Certificate of Completion required for each line. The certificate is valid for 180 days.
Continuing education
24 hours every two years including 3 hours of ethics, under ORC 3905.481. The deadline is the last day of your birth month on a two-year cycle.
License term
2 years, ending the last day of the birth month
Regulator
The Ohio Department of Insurance oversees licensing, headed by the Superintendent of Insurance, appointed by the Governor.
Ohio Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Ohio policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Ohio, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Ohio insurance exam questions, answered
How many questions are on the Ohio insurance license exam?
The combined life and health exam has 150 scored questions. You need 105 correct to pass at 70%, which means you can miss 45.
What is the passing score for the Ohio insurance exam?
70%. That works out to 105 correct answers out of 150 scored questions.
Who administers the Ohio insurance license exam?
PSI Services, on behalf of the Ohio Department of Insurance.
Does Ohio require prelicensing education?
20 hours per line of authority, so 40 hours for the combined Life and Accident & Health path, with a SEPARATE Certificate of Completion required for each line. The certificate is valid for 180 days.
How much continuing education does Ohio require?
24 hours every two years including 3 hours of ethics, under ORC 3905.481. The deadline is the last day of your birth month on a two-year cycle.
Is there a Ohio life-only or health-only exam?
Yes. Life only is 75 scored questions, 53 to pass, Health only is 75 scored questions, 53 to pass.
How much does a Ohio study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Ohio Department of Insurance.