Ohio Life & Health Insurance Practice Test 2026
Practice the exam Ohio uses, from general life & health knowledge to Ohio's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Ohio's own insurance law.
150 scored questions. The time limit and passing score are set by Ohio; check the candidate handbook.
Last verified September 2026 · Insurance License Examination Candidate Information Bulletin
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About the Ohio Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Ohio Life & Health test
Ohio's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Insurance Regulation10%
- General Insurance5%
- Life Insurance Basics8%
- Life Insurance Policies7%
- Life Insurance Policy Provisions, Options and Riders9%
- Annuities5%
- Federal Tax Considerations for Life Insurance and Annuities8%
- Accident and Health Insurance Basics8%
- Individual Accident and Health Insurance Policy General Provisions5%
- Disability Income and Related Insurance5%
- Medical Plans6%
- Health Insuring Corporations (HICs)5%
- Group Accident and Health Insurance5%
- Dental Care Plans2%
- Insurance for Senior Citizens and Special Needs Individuals8%
- Federal Tax Considerations for Accident and Health Insurance4%
Source: PSI Insurance License Examination Candidate Information Bulletin for Ohio (PSI file "OH INS19"), OHIO LIFE, ACCIDENT AND HEALTH INSURANCE AGENT SERIES 11-35 content outline: "150 questions - 2.5 Hours", minimum passing score 70%. The bulletin prints no revision or effective date. Non-scored pretest items are added on top of the 150 with extra time, so 150 is the scored count. (Ohio Insurance License Examination Candidate Information Bulletin). Confirm current weights with the testing company before you book.
What to bring to the Ohio exam
Ohio official sources
- Unfair and deceptive acts or practices in the business of insuranceOhio Rev. Code § 3901.21, complete section · Ohio Legislative Service Commission (codes.ohio.gov)
- Superintendent of InsuranceOhio Revised Code Chapter 3901, complete chapter, all 151 sections 3901.01 through 3901.99 · Ohio Legislative Service Commission (codes.ohio.gov)
- Insurance Producers Licensing ActOhio Revised Code Chapter 3905, complete chapter, all 123 sections 3905.01 through 3905.99 · Ohio Legislative Service Commission (codes.ohio.gov)
- Life Insurance Companies and ContractsOhio Revised Code Chapter 3911, 22 sections · Ohio Legislative Service Commission, codes.ohio.gov (retrieved via an Internet Archive snapshot of the official site)
- Life Insurance Policy Provisions and NonforfeitureOhio Revised Code Chapter 3915, 16 sections · Ohio Legislative Service Commission, codes.ohio.gov (retrieved via an Internet Archive snapshot of the official site)
- Sickness and Accident InsuranceOhio Revised Code Chapter 3923, 28 sections · Ohio Legislative Service Commission, codes.ohio.gov (retrieved via an Internet Archive snapshot of the official site)
All Ohio insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Ohio provisions the questions on this page cite most often.
- Ohio Rev. Code § 3901.21 · Disability Income for Household Manager10 questions
- Ohio Rev. Code Chapter 3923 § 3923.04 · Claim Forms9 questions
- Ohio Rev. Code Chapter 3901 § 3901.21 · Defamation of an Insurer8 questions
- Ohio Rev. Code Chapter 3905 § 3905.01 · Business entity defined3 questions
- Ohio Rev. Code Chapter 3905 § 3905.03 · Exceptions to Licensing Requirement, creditor employees3 questions
- Ohio Rev. Code Chapter 3905 § 3905.14 · Cease and Desist Orders3 questions
- Ohio Rev. Code Chapter 3911 § 3911.20 · Receipt of rebates prohibited3 questions
- Ohio Rev. Code Chapter 3915 § 3915.05 · Understatement of Age Provision3 questions
Exam figures on this page were checked against official pages: Testing company · Pre-licensing · License fee. Confirm anything you rely on with the testing company and the Ohio Department of Insurance.