Ohio Producer Licensing
The Ohio supplement opens with who regulates insurance in the state and how a person becomes and stays a licensed life and health producer. Ohio's insurance regulator is headed by a Director of Insurance appointed by the Governor, rather than an elected commissioner. This chapter covers the regulator, license lines, appointments, and continuing education, because Ohio's procedural rules are heavily tested.
The Regulator: Ohio Department of Insurance
Insurance producers in Ohio are licensed and disciplined by the Ohio Department of Insurance, headed by a Director of Insurance appointed by the Governor. The regulator enforces the state insurance code, licenses producers, oversees insurer market conduct, and can investigate complaints and take disciplinary action. A frequent exam point is correctly identifying this body by name and knowing that it -- not the insurer or a private association -- issues and revokes producer licenses.
License Lines and Qualification
To sell life and health products, a resident applicant generally must be at least 18, complete any required prelicensing education, pass the state licensing examination, submit an application with fees, and clear a background review. The license authorizes specific lines of authority -- typically a life line and an accident and health (health) line. Holding the correct line of authority for the products being sold is mandatory; transacting outside one's authority is a violation.
Appointments, Renewal, and Continuing Education
A license lets a producer be appointed by insurers; the appointment is the insurer's authorization to represent it and is filed with the regulator. Licenses renew on a recurring cycle, and Ohio conditions renewal on completing continuing education, including an ethics component. Letting a license lapse or failing required CE ends the authority to transact insurance until the producer is reinstated.
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State-specific details
State exam facts
- State regulator
- Ohio Department of Insurance
- Exam vendor
- PSI
- Prelicensing education
- 20 hours per line (40 hours combined life & health)
- Passing score
- 70%
Who regulates life & health insurance licensing in Ohio?
The Ohio Department of Insurance (ODI) licenses resident producers, approves prelicensing providers, and contracts with PSI Services as the state's exam vendor.
Does Ohio require prelicensing education for the life & health exam?
Yes. Ohio requires 20 hours of state-approved prelicensing education for each line of authority (40 hours for a combined life & health license). The certificate of completion is valid for 180 days.
How is the Ohio life & health exam administered?
The exam is delivered by PSI Services, and a score of 70% or higher is required to pass.
Sources: https://insurance.ohio.gov, https://www.psiexams.com/
In the Ohio Life & Health Insurance Producer Exam guide: A KEY CONCEPT box, a Common Traps list and a Check Yourself set closing each of the 9 national chapters. Practice here stays free.