Insurance Producers Licensing Act

What this document is

Ohio Revised Code Chapter 3905 - Insurance Producers Licensing Act (complete chapter, all 123 sections 3905.01 through 3905.99) is a state statute published by Ohio Legislative Service Commission (codes.ohio.gov). It is one of the Ohio documents that insurance license exam questions are written from, including ohio life & health, ohio property & casualty, ohio personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Ohio Rev. Code Chapter 3905 § 3905.43 (Advertising Limitations)

  “No person, firm, association, partnership, company, or corporation shall publish or distribute or receive and print for publication or distribution any advertising matter in which insurance business is solicited, unless such advertiser has complied with the laws of this state regulating the business of insurance.”

• Ohio Rev. Code Chapter 3905 § 3905.50(C) (Terminating an Independent Agent Contract: Activity During the Notice Period)

  “During the one hundred eighty day notice period, an independent insurance agent shall not write or bind any new policies on behalf of an insurer without written approval from the insurer. However, during such period, an independent insurance agent, subject to the current underwriting rules,...”

• Ohio Rev. Code Chapter 3905 § 3905.55(B) (Agent Fees: Excluded Personal Lines Transactions)

  “A fee may not be charged for taking or submitting an initial application for coverage with any one insurer or different programs with the same insurer, or processing a change to an existing policy, a cancellation, a claim, or a renewal, in connection with any of the following personal lines...”

• Ohio Rev. Code Chapter 3905 § 3905.20(A) (Appointment of Insurance Agent to Act as Agent of Insurer)

  “(A) An insurance agent shall not act as an agent of an insurer unless the insurance agent is appointed as an agent of the insurer. An insurance agent who does not act as an agent of an insurer shall not be required to be appointed as an agent of the insurer. For purposes of this division, an...”

• Ohio Rev. Code Chapter 3905 § 3905.16(B)(1) (Appointments Void on Loss of License)

  “If an agent's license is surrendered, revoked, suspended, canceled, or inactivated by request, all appointments held by the agent are void. If a new license is issued to that person or if that person's previous license is reinstated or renewed, any appointment of the person to represent an insurer...”

• Ohio Rev. Code Chapter 3905 § 3905.01(B) (Business entity defined)

  “"Business entity" means a corporation, association, partnership, limited liability company, limited liability partnership, or other legal entity.”

• Ohio Rev. Code Chapter 3905 § 3905.14(H) (Cease and Desist Orders)

  “If a violation described in this section has caused, is causing, or is about to cause substantial and material harm, the superintendent may issue an order requiring that person to cease and desist from engaging in the violation.”

• Ohio Rev. Code Chapter 3905 § 3905.03(A)(10) (Exceptions to Licensing Requirement, creditor employees)

  “(10) Any employee of a creditor with respect to limited line credit insurance products, as long as the employee of the creditor is not paid by, and does not receive a fee, commission, or any other form of compensation from, an insurance agent or insurance company.”

• Ohio Rev. Code Chapter 3905 § 3905.47(A)(1) (Agent Training Programs)

  “No agent shall sell, solicit, or negotiate insurance through an exchange, or enroll or offer to enroll a person in a health benefit plan offered through an exchange, on or after October 1, 2013, without first completing a training program either required by an exchange or approved by the...”

• Ohio Rev. Code Chapter 3905 § 3905.041(A)(1)(a) (Exceptions to program of insurance education or examination requirement)

  “An individual who applies for a resident insurance agent license in this state within ninety days after establishing a principal place of residence or principal place of business in this state shall not be required under section 3905.04 of the Revised Code to complete a program of insurance...”

• Ohio Rev. Code Chapter 3905 § 3905.20(B)(3) (Insurer Bound by Acts of Appointed Agent)

  “(3) While an appointment remains in force, an insurer shall be bound by the acts of the person named in the appointment within that person's actual and apparent authority as its agent.”

• Ohio Rev. Code Chapter 3905 § 3905.03(A)(1) (Exceptions to Licensing Requirement, insurer defined)

  “(A) Section 3905.02 of the Revised Code does not apply to any of the following: (1) Any insurer. For purposes of this division, "insurer" does not include an insurer's officers, directors, employees, subsidiaries, or affiliates.”

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• Ohio Rev. Code § 3901.21 - Unfair and deceptive acts or practices in the business of insurance (complete section)State statute
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