How To Obtain an Ohio Insurance Producer License
1. Complete the pre-licensing course
- Life Only – 20 hours
- Accident & Health Only – 20 hours
- Life, Accident and Health – 40 hours
- Casualty Insurance – 20 hours
- Property Insurance – 20 hours
- Property and Casualty – 40 hours
- Personal lines - 20 hours
Course Requirements:
- This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
- Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter.
- Mandatory final exam
- Completion of this course satisfies the prelicensing education requirement.
Certificate Information:
To be eligible for a Certificate of completion, you must follow several steps:
- Completion of the course, pre-final exam, and the Ohio Certification Exam(s)
- Submit an electronic affidavit acknowledging you were actively engaged in one hundred percent of the course and your participation during the periods of perceived inactivity.
- Upon completion of your Pre-licensing Affidavit, you will receive an email notifying you that you course completion certification is available to be printed directly from your student dashboard.
- Download and Print certificate through the “Transcript” tile on the user dashboard.
- Course completions rosters are reported to the state within seven (7) business days.
- Education providers are required to collect and report the DOB and SSN.
- Certificates are valid for 180 days.
2. Schedule the Ohio State Examination
- Registration must be completed online on PSI website: https://test-takers.psiexams.com/ohins
- Exam fee $49
Online Proctored Exams
- You must check the compatibility of your computer before registering for the exam. https://syscheck.bridge.psiexams.com
- If your computer is not compatible with the online software, you will need to schedule your examination at PSI test center.
Limitation on Repeat Examinations
- There are no limitations on retaking the exam.
- You must pass that state exam during the eligibility period of 180 days otherwise you must retake the prelicensing course.
3. Submit your Fingerprints
- The state of Ohio requires fingerprinting.
- Schedule a fingerprint reservation online at https://www.fastfingerprints.com/Public/default.aspx or at a PSI location.
- Fingerprint Fee: $72.00 – Fast Fingerprints – Ohio BCI & FBI (both database checks)
- Fingerprint Fee: $72.75 – PSI
4. Pass the State Exam
- Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period.
- Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
- Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.”
- On the day of testing, you must have the following items:
- Two forms of identification bearing your signature, one of which must be a valid government issued photo id
- Valid Certificate(s) of completion – Must be original hard copies containing both the provider and student signature
- Reservation confirmation number
Remote Proctored Exam Information:
- You MUST email your prelicensing certificate(s) or education waiver(s) to ohcert@psiexams.com within 24 hours of passing the exam. The Department is unable to process any license application without receipt of the valid PLE certificate(s). Therefore, failure to timely submit the PLE certificate(s) to ohcert@psiexams.com WILL delay the licensure process.
5. Apply for license
- Submit license application online through www.nipr.com
- Application fee $10 per line of authority
PSI Exam Outlines
DESCRIPTION | Question Count | % of Exam Questions | ||||
Life | Health | L&H | Life % | Health % | L&H % | |
Life Insurance | ||||||
Insurance Regulations | 12 | 10 | 15 | 12% | 10% | 10% |
General Insurance | 12 | 10 | 8 | 12% | 10% | 5% |
Life Insurance Basics | 18 | 0 | 12 | 18% | 0% | 8% |
Life Insurance Policies | 12 | 0 | 11 | 12% | 0% | 7% |
Life Insurance Policy Provisions, Options and Riders | 22 | 0 | 14 | 22% | 0% | 9% |
Annuities | 12 | 0 | 8 | 12% | 0% | 5% |
Federal Tax Considerations for Life Insurance and Annuities | 12 | 0 | 12 | 12% | 0% | 8% |
Health Insurance | ||||||
Accident and Health Insurance Basics | 0 | 12 | 12 | 0% | 15% | 8% |
Individual Health Insurance Policy General Provisions | 0 | 12 | 8 | 0% | 9% | 5% |
Disability Income and Related Insurance | 0 | 8 | 8 | 0% | 8% | 5% |
Medical Plans | 0 | 9 | 9 | 0% | 9% | 6% |
Health Insuring Corporations (HICs) | 0 | 6 | 8 | 0% | 6% | 5% |
Group Accident and Health Insurance | 0 | 9 | 8 | 0% | 9% | 5% |
Dental Care Plan | 0 | 3 | 3 | 0% | 3% | 2% |
Insurance for Senior Citizens and Special Needs Individuals | 0 | 15 | 12 | 0% | 15% | 8% |
Federal Tax Considerations for Accident and Health Insurance | 0 | 6 | 6 | 0% | 6% | 4% |
Total for all parts | ||||||
Total Scored Questions on Exam | 100 | 100 | 150 | |||
Maximum Time allowed to complete exam in minutes | 120 | 120 | 150 | |||
Passing Score | 70 | 70 | 70 |
DESCRIPTION | Question Count | % of Exam Questions | ||||
Casualty | Property | P&C | Casualty % | Property % | P&C % | |
Casualty | Property Insurance | ||||||
Insurance Regulation | 15 | 15 | 15 | 10% | 10% | 10% |
General Insurance | 15 | 15 | 14 | 10% | 10% | 9% |
Property and Casualty Insurance Basics | 0 | 0 | 24 | 0% | 0% | 16% |
Property Insurance Basics | 0 | 30 | 0 | 0% | 20% | 0% |
Casualty Insurance Basics | 23 | 0 | 0 | 15% | 0% | 0% |
Dwelling Policy | 0 | 21 | 9 | 0% | 14% | 6% |
Homeowners Policy | 23 | 27 | 21 | 15% | 18% | 14% |
Auto Insurance | 26 | 0 | 21 | 17% | 0% | 14% |
Commercial Package Policy (CPP) | 20 | 24 | 18 | 13% | 16% | 12% |
Businessowners Policy | 9 | 9 | 12 | 6% | 6% | 8% |
Workers Compensation Insurance | 12 | 0 | 6 | 8% | 0% | 4% |
Other Coverages and Options | 9 | 9 | 11 | 6% | 6% | 7% |
Total for all parts | ||||||
Total Scored Questions on Exam | 100 | 100 | 150 | |||
Maximum Time allowed to complete exam in minutes | 120 | 120 | 150 | |||
Passing Score | 70 | 70 | 70 |
DESCRIPTION | Question Count | % of Exam Questions |
Personal Lines Insurance | ||
Insurance Regulation | 10 | 10% |
General Insurance | 10 | 10% |
Property and Casualty Insurance Basics | 17 | 17% |
Dwelling Policy | 10 | 10% |
Homeowners Policy | 23 | 23% |
Auto Insurance | 23 | 23% |
Other Coverages and Options | 7 | 7% |
Total for all parts | ||
Total Scored Questions on Exam | 100 | |
Maximum Time allowed to complete exam in minutes | 210 | |
Passing Score | 70 |
Producer Licensing Checklist:
Task: | Date Completed |
1. Complete prelicensing course | |
2. Register for exam | |
3. Submit fingerprints (PSI location only) | |
4. Pass exam | |
5. Apply for license |
Governing Agency
Name: Ohio Department of Insurance Licensing Division
Phone: 614-644-2665
Website: https://insurance.ohio.gov
Address: 50 West Town Street, Third Floor, Suite 300 Columbus, OH 43215
Ohio Insurance License Renewal and Compliance Requirements
XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.
License Renewal Timelines
Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years.
- On-going renewal periods are the last day of the agent’s birth month every two (2) years thereafter.
Continuing education requirements must be met before submitting the license renewal application.
Complete Required Continuing Education
Requirements Per License
Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics, before submitting their renewal application.
Specific Product Training Requirements
The Ohio Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.
Long-term Care Training Requirements
- Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance.
- Agents must also complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance.
- The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement.
- Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course.
- Non-resident agents may complete these training requirements in any state.
Annuity Best Interest Training Requirements
- Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products.
- Annuity Best Interest course credits count towards the agent's 24-hour CE requirement.
- Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Ohio.
Flood Insurance (NFIP) Training Requirements
- Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance.
- The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement.
Course Requirements
- Licensees can use independent self-study courses to meet all requirements.
- Licensees may take courses in any line of authority.
- Self-study exams are closed book and require a monitor/proctor.
- Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles.
- Excess credits of up to 12 hours earned in the previous biennial renewal period can be carried over to the next reporting period. Any excess is lost.
Reporting to your State
- Students must provide their National Producer Number (NPN) to report on course completion.
- $1.00 per credit hour is required to report course completions to your state.
- Course completions are reported within one business day.
Renew your License
Resident and nonresident license renewal applications are processed through NIPR. A $70 renewal fee is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.
Helpful resources
Ohio Department of Insurance - Licensing Division
https://insurance.ohio.gov
614-644-2665
licensing@insurance.ohio.gov
50 West Town Street, Third Floor, Suite 300 Columbus, OH 43215