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Ohio · State licensing

Pass the Ohio Life & Health insurance license exam.

Ohio's Department of Insurance requires 20 hours per line and uses PSI for testing. The Ohio L&H combined exam is one of the longer ones at 170 questions.

Quick answer: The Ohio Life & Health insurance license exam is administered by PSI as a 170-question combined exam with a 210-minute limit, and you need 70% to pass. Ohio requires 40 hours of pre-licensing education before you can sit. The exam fee is $45 per attempt.

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Quick facts

Testing vendor
PSI
Passing score
70%
Pre-licensing hours
40h combined
Application fee
$50
Exam fee
$45 per attempt
Combined exam length
170 Q · 210 min

Source: insurance.ohio.gov. Confirm before you register. State schedules change.

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What's on the Ohio L&H exam.

The Ohio L&H exam is administered by PSI after you finish a state-approved 40-hour pre-licensing course. The combined exam runs 170 questions with a 210-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Ohio.

Plan for roughly $135–$170 in mandatory Ohio state and vendor fees before any study materials, plus the cost of the required 40-hour pre-licensing course.

License application
$50
Exam fee
$45 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
40 hours required

A retake means paying the $45 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Ohio exam FAQ.

How many questions are on the Ohio L&H exam?
170 questions on the combined exam, 100 national plus 70 Ohio-specific. 210-minute time limit.
What's the Ohio passing score?
70%.
Who administers the Ohio insurance exam?
PSI Services.
How do I register for the Ohio L&H exam?
Apply through the Ohio Department of Insurance's NIPR portal, then schedule with PSI once your pre-licensing certificate is on file.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.