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Insurance Agent
Training: 20 hours | Exam: Yes
20 hrs
P&C Education
20 hrs
L&H Education
2 years (by last date of birth month)
Renewal Cycle
$190
Gov. Fees (Both)
Insurance Producer (Individual License)
Ohio licenses insurance producers with lines of authority including Property, Casualty, Life, Health (Accident & Sickness), and Personal Lines. Each line requires 20 hours of pre-licensing education and passage of a state exam administered by PSI. Combined exams are available (Property & Casualty combined: 150 questions; Life & Health combined: 150 questions). Individual line exams are 100 questions each.
Other Available Lines of Authority
20 hours of approved pre-licensing education required
20 hours per major line.
Online courses: Allowed
Ohio Property and Casualty Insurance Examination
Administered by PSI Services LLC
150
Questions
70%
Passing Score
150 questions – 2.5 Hours
Time Limit
$49
Exam Fee
The combined Property and Casualty exam has 150 questions with a 2.5-hour time limit. Individual Property or Casualty exams are 100 questions each with a 2-hour time limit. A 70% passing score is required. Exams include scored questions plus experimental questions that don't affect the final score. Score is displayed on screen at the end and emailed as a report.
20 hours of approved pre-licensing education required
20 hours per major line.
Online courses: Allowed
Ohio Life and Health Insurance Examination
Administered by PSI
150
Questions
70%
Passing Score
150 questions – 2.5 Hours
Time Limit
$49
Exam Fee
The combined Life and Health exam has 150 questions with a 2.5-hour time limit. Individual Life or Health exams are 100 questions each with a 2-hour time limit. A 70% passing score is required.
Compare top-rated insurance pre-licensing schools in Ohio.
Minimum Age
18 years old
Education
No specific education requirement beyond 20-hour pre-licensing course per line
Residency
Must apply as resident producer if domiciled in Ohio. Non-residents apply through NIPR.
Background Check
Fingerprint-based background check required via a National WebCheck vendor. The fingerprinting fee is $72.25.
Fingerprinting
Not required
Citizenship
US citizen or authorized to work in the US
Not sure if you need a insurance agent license? Check whether your state requires one.
Ohio Life and Health Insurance Examination
Questions
150 questions
Time Limit
150 questions – 2.5 Hours
Passing Score
70%
Administered By
PSI
Cost of failing
Retake fee: $49Invest in preparation to pass the first time.
How long should you study? Most candidates study 2–4 weeks before taking the Ohio Life and Health Insurance Examination.
Study Materials & Exam Prep — Life & Health Insurance License Exam
Prepare for your Life & Health Insurance License Exam with Mometrix study guides, flashcards, online courses, and practice tests.
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Complete Your Pre-Licensing Education in Ohio
State-approved online courses you can start today.
| Fee | Amount |
|---|---|
Application Fee Per line of authority | $50 |
P&C Exam Fee Property and Casualty exam fee paid to PSI | $49 |
L&H Exam Fee Life and Health exam fee paid to PSI | $49 |
Fingerprinting Fee Fingerprint-based background check via National WebCheck vendor | $72.25 |
Total Gov. Fees (Single Line) Application ($10) + exam ($49) + fingerprinting ($72.25) for one line of authority | $131 |
Total Gov. Fees (Both Lines) Application ($10 x 2 = $20) + P&C exam ($49) + L&H exam ($49) + fingerprinting ($72.25, one-time) | $190 |
Pre-Licensing Course Cost: $100-$400(per line)
20-hour pre-licensing course per line. Varies by provider. NOT a government fee.
Use our licensing cost calculator to estimate your total investment including education and exam fees.
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Complete 20 hours of approved pre-licensing education for Property and Casualty
Obtain certificate of completion (valid for 180 days)
Schedule the P&C exam through PSI (call 855-807-3995 or visit PSI online)
Pass the Property and Casualty exam (150 questions, 70% passing score, 2.5 hours)
Complete fingerprint-based background check via National WebCheck vendor ($72.25)
Apply for your license through NIPR
Pay the $10 per line application fee
Complete 20 hours of approved pre-licensing education for Life and Health
Obtain certificate of completion (valid for 180 days)
Schedule the L&H exam through PSI
Pass the Life and Health exam (150 questions, 70% passing score, 2.5 hours)
Complete fingerprint-based background check if not already on file
Apply for your license through NIPR
Pay the $10 per line application fee
Important: A license alone does not allow you to sell insurance
After obtaining your license, you must be appointed by at least one insurance company to sell their products. The carrier files the appointment with ODI.
Appointment fee: Paid by carrier
Ohio has reciprocity arrangements with most states and issues non-resident licenses in the same line(s) of authority. Non-resident agents completing CE in their resident state are exempt from Ohio CE requirements. Applications processed through NIPR.
Additional requirements: Must hold active license in good standing in home state.
Moving to another state? Use our Transfer Tool to see what you need →
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Renewal Cycle
2 years (by last date of birth month)
Renewal Fee
$70
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
Producers must complete 24 hours of CE every 2 years, including 3 hours of Ethics. Renewal is by the last day of the birth month every 2 years. Late renewal: 1-month grace period with $50 late fee; 1 month to 1 year with $100 late fee. Non-resident agents completing CE in their resident state are exempt from Ohio CE requirements.
Regulatory Board
Unique to Ohio: Ohio offers one of the most affordable licensing processes with just a $10 per-line application fee, but has a relatively high fingerprint fee of $72.25. The 180-day validity window for pre-licensing certificates creates urgency to pass the exam quickly. The tiered late renewal penalty system ($50 for first month, $100 after) provides a structured grace period.
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Insurance Agent requirements in Ohio verified against Ohio Department of Insurance, April 2026.
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