• 127 questions

Ohio Life Insurance Exam Questions on State Law

Ohio insurance law only: pick an answer to see the rule and its Revised Code section.

What is the youngest age at which an individual can be issued a resident insurance agent license in Ohio?

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Unofficial practice questions, not affiliated with the Ohio Department of Insurance. Bank checked October 4, 2026.

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Agent licensing and continuing education 29

  • A criminal charge other than a misdemeanor traffic offense is brought against an Ohio agent. The thirty days for reporting it start at which point? ORC 3905.22
  • A license suspended for nonrenewal can be reinstated in Ohio. Within what period, counted from the date the license should have been renewed, must the agent apply? ORC 3905.06
  • A licensed agent moves to a new house inside Ohio. How long does the agent have to file the change of address with the superintendent? ORC 3905.061
  • A person licensed in good standing elsewhere sets up a principal residence in Ohio. Prelicensing study and the examination are waived if the application arrives within how many days? ORC 3905.041
  • An insurer ends an appointment and tells the Ohio superintendent. Within how many days after that notice must it mail a copy to the agent? ORC 3905.21
  • An insurer has thirty days to file a notice of appointment for an Ohio agent. From which event does that period run? ORC 3905.20
  • An Ohio agent lets the renewal date pass and files nothing. On what day is the license automatically suspended for nonrenewal? ORC 3905.06
  • An Ohio agent may charge a consumer a fee only if several conditions are met. Which of these is one of them? ORC 3905.55
  • An Ohio agent plans to do business under an assumed name. What must the agent do first? ORC 3905.11
  • An Ohio agent takes a premium with an application, and the insurer has set no deadline of its own. Within how many days must the application be sent in to count as timely? ORC 3905.14
  • An Ohio agent wants to pay an unlicensed person for sending customers. What kind of referral pay does the statute allow? ORC 3905.18
  • An Ohio applicant wants the variable life and variable annuity line of authority. What does the licensing statute require besides the insurance examination? ORC 3905.06
  • Another state fines an Ohio licensed agent in an administrative action. How soon after the final disposition must the agent report it to the superintendent? ORC 3905.22
  • Before the Ohio license examination, an applicant with no degree or designation completes a program of insurance education. How many hours of study does the statute set for each line of authority? ORC 3905.04
  • How does the Ohio agent discipline statute define "revocation"? ORC 3905.14
  • How many hours of continuing education must a resident Ohio insurance agent finish in each license renewal period? ORC 3905.481
  • In place of revocation, the Ohio superintendent may accept an agent's "surrender for cause". For at least how long does that surrender bar the person from seeking a license? ORC 3905.14
  • Of the continuing education an Ohio resident agent completes for a renewal, at least how much must be approved ethics training? ORC 3905.481
  • Ohio accepts something else in place of the approved prelicensing study program. Which of these does the statute name? ORC 3905.04
  • Ohio law says an agent's appointment, unless the insurer cancels it, may be continued in force past which date? ORC 3905.20
  • Ohio lists as a ground for discipline an agent naming himself or a close relative as beneficiary of a policy he sold. When is that designation allowed? ORC 3905.14
  • Selling, soliciting or negotiating insurance in Ohio without a license for that line of authority is what grade of offense? ORC 3905.99
  • The superintendent is investigating an allegation of wrongdoing against an Ohio agent. What is the agent barred from doing while that goes on? ORC 3905.16
  • What is the largest civil penalty the Ohio superintendent may assess against an insurance agent for each violation of the discipline statute? ORC 3905.14
  • What is the longest period for which the Ohio superintendent may issue a temporary insurance agent license? ORC 3905.09
  • What is the youngest age at which an individual can be issued a resident insurance agent license in Ohio? ORC 3905.06
  • When does a resident Ohio insurance agent apply to renew the license? ORC 3905.06
  • Which act appears among the grounds on which the Ohio superintendent may suspend or revoke an agent license? ORC 3905.14
  • Which person is on the list of those who may receive a temporary agent license in Ohio without taking the examination? ORC 3905.09

Life policy provisions 24

  • A charity described in section 501(c)(3) is named owner of an Ohio life policy on a donor. What does the statute say about the charity? ORC 3911.09
  • A later premium on an Ohio life policy is missed. For what length of time does the required provision keep the insurance in force? ORC 3915.05
  • A life policy form is filed with the Ohio superintendent, who says nothing. After how many days may the insurer begin to use the form? ORC 3915.14
  • A minor in Ohio is not barred by minority alone from contracting for insurance on his or her own life. From what age does that rule apply? ORC 3911.08
  • A person solicits an application for insurance on the life of another in Ohio. In a later dispute between the insured and the insurer, whose agent is that person? ORC 3911.22
  • A reservist on active duty has an individual life policy that Ohio law protects from lapse for nonpayment. For how long after the military service ends does that protection last? ORC 3915.053
  • After an Ohio life insurer has received a certain number of annual premiums, it may defend a claim over application misstatements only on the ground of fraud, except as to age. How many premiums? ORC 3911.07
  • After default, the value of an Ohio life policy was applied to buy other insurance, and the policy was never surrendered. Within how many years of the default may it be reinstated? ORC 3915.05
  • An Ohio life insurer fails to return a copy of the application with the policy it issues. What follows while that default lasts? ORC 3911.04
  • An Ohio life policy carries a table of loan values and default options. For at least how many policy years must the table show figures? ORC 3915.05
  • An Ohio life policy states one fixed maximum interest rate for policy loans. What is the highest rate the statute permits? ORC 3915.051
  • An Ohio participating policy offers several dividend options and the owner picks none. What happens to the dividend? ORC 3915.05
  • An Ohio policyowner wants to borrow from the company on the sole security of a life policy. The required loan clause starts once premiums cover how long? ORC 3915.05
  • For the Ohio rule on back-dating, which date counts as the date the application was made when a medical examination is required? ORC 3915.13
  • In Ohio a false answer in a life application bars recovery only if several things are clearly proved. What must be shown about the agent or company? ORC 3911.06
  • Ohio bars a life policy clause that shortens the time for bringing a lawsuit on the policy. The clause may not cut the time to less than how long after the cause of action accrues? ORC 3915.09
  • Ohio lets a life policy be contested after two years for nonpayment of premiums. Which other exception does the required provision name? ORC 3915.05
  • Ohio requires interest on life insurance death proceeds in some cases. Over what period is the interest computed? ORC 3915.052
  • Some Ohio life policies tie the ceiling on loan interest to a published monthly average. What timing does the statute give for fixing that ceiling? ORC 3915.051
  • To lower the premium, an Ohio agent wants a life policy dated earlier than its application. How far back may the policy date go? ORC 3915.13
  • Under the standard provision for a participating life policy in Ohio, the company begins its yearly accounting of divisible surplus no later than the end of which policy year? ORC 3915.05
  • When an Ohio life policy becomes a death claim, the required provision says settlement is made no later than how long after due proof of death is received? ORC 3915.05
  • Which condition must be met before the Ohio statute on interest on life policy proceeds requires any interest? ORC 3915.052
  • Which feature is part of the Ohio definition of "accelerated benefits" under a life policy? ORC 3915.21

Annuity suitability and replacement 20

  • A failure to follow the Ohio replacement rule is treated as a violation of which law? OAC 3901-6-05
  • A replacing insurer in Ohio receives a completed application that shows a replacement. How fast must it notify the existing insurer? OAC 3901-6-05
  • An Ohio agent broke the annuity suitability rule. What can lead to a reduced penalty or none? OAC 3901-6-13
  • An Ohio annuity applicant did not get the buyer's guide and disclosure document at or before application. What is the shortest free look the insurer must then give? OAC 3901-6-14
  • An Ohio applicant says "yes", there is existing life insurance. What must the agent do with the replacement notice? OAC 3901-6-05
  • An Ohio buyer swapped an old annuity for a new one and has second thoughts. The notice from the replacing insurer promises an unconditional full refund if the contract comes back within what time of delivery? OAC 3901-6-05
  • An Ohio insurer wants to defer paying the cash surrender benefit of a deferred annuity for up to six months. What must it have first? ORC 3915.073
  • Before selling annuities, an Ohio agent completes a one-time annuity training course. How many credits is it? OAC 3901-6-13
  • For the annuity training requirement, how much instruction does the Ohio suitability rule count as one continuing education credit? OAC 3901-6-13
  • How long must records of the consumer information and disclosures behind an annuity recommendation be kept in Ohio after the insurer completes the transaction? OAC 3901-6-13
  • In an Ohio replacement sale, what must the agent do with the sales material used? OAC 3901-6-05
  • The Ohio annuity rule sets a best interest standard for an agent's recommendation. What kind of obligation does the rule say this creates? OAC 3901-6-13
  • Ohio treats a withdrawal from an existing policy as prima facie evidence of a financed purchase when it pays premiums on a new policy from the same company. Which window around the new policy's effective date applies? OAC 3901-6-05
  • The signed statement on an Ohio application says the applicant has no existing policies or contracts. What is left of the agent's replacement duties? OAC 3901-6-05
  • Under the Ohio annuity rule, what does the term "material conflict of interest" leave out? OAC 3901-6-13
  • When an Ohio agent recommends replacing an annuity, the agent considers whether the consumer has had another exchange or replacement, in particular within which preceding period? OAC 3901-6-13
  • When is an Ohio agent free of the duty that the suitability rule places on annuity sales? OAC 3901-6-13
  • Which set of items does the Ohio annuity rule give as examples of "non-cash compensation"? OAC 3901-6-13
  • Which transaction falls outside the Ohio replacement rule unless the rule specifically includes it? OAC 3901-6-05
  • Who has authority to enforce the Ohio rule on suitability in annuity transactions? OAC 3901-6-13

Sickness and accident provisions 19

  • A buyer may rescind an individual sickness and accident policy in Ohio by returning it. Until when, at the least, does that right run? ORC 3923.31
  • A child reaches the limiting age in an Ohio sickness and accident policy. If the listed conditions are met and the insured asks, until what age must the insurer offer to keep covering the unmarried child? ORC 3923.24
  • A sickness and accident policy is issued in Ohio with a provision that conflicts with the sickness and accident statutes. What is the result? ORC 3923.09
  • A worker in Ohio loses a job and qualifies to continue group hospital, surgical and medical coverage under the state continuation law. For how long may the coverage continue? ORC 3923.38
  • After the named insured dies or divorces, a covered family member may keep coverage under an Ohio individual family policy. How soon after coverage would end must the insurer be told and the premium paid? ORC 3923.32
  • An Ohio advertisement mentions the noncancellation provisions of a sickness and accident policy. What must it also do? ORC 3923.161
  • An Ohio family health policy asks an extra premium for another child. How long after a birth does the insured have to give notice and pay so the newborn stays covered? ORC 3923.26
  • An Ohio long-term care policy may not define "preexisting condition" more narrowly than a condition treated or advised on within what period before coverage starts? ORC 3923.44
  • An Ohio Medicare supplement policy must carry a first-page notice of the right to return it for a premium refund. How long after delivery does the applicant have? ORC 3923.335
  • An Ohio sickness and accident policy is paid by monthly premium. What is the smallest number of grace days the insurer may write into the grace period provision? ORC 3923.04
  • An Ohio sickness and accident policy pays a lump sum for a dismemberment. How does the statute treat that payment when the insured has creditors? ORC 3923.19
  • An Ohio sickness and accident policy stays in force until it is returned under the right to rescind. How may the insurer charge for those days? ORC 3923.31
  • How may an Ohio sickness insurance policy exclude a chronic disease from coverage? ORC 3923.04
  • Ohio identifies every sickness and accident policy, rider and indorsement by a printed form number. Which placement does ORC 3923.03 require? ORC 3923.03
  • The Ohio right to rescind an individual sickness and accident policy does not reach which kind of policy? ORC 3923.31
  • The printed text of a sickness and accident policy in Ohio must be in uniform type of at least what size? ORC 3923.03
  • Renewal of an Ohio sickness and accident policy is at the option of the company. Written notice that it will not renew must go out at least how long before the premium falls due? ORC 3923.04
  • Someone other than the applicant wants to change a written answer on an Ohio sickness and accident application. What is needed? ORC 3923.14
  • To be an "eligible employee" for group continuation in Ohio, a worker must have been continuously insured under the group policy for what period before the job ended? ORC 3923.38

Unfair practices and penalties 18

  • A lender in Ohio is about to approve a loan. What does the insurance code forbid it to require as a condition of lending? ORC 3901.211
  • A person is convicted in Ohio under the life insurance misrepresentation statute. For at least how long must the superintendent revoke that person's license? ORC 3911.24
  • A person violates a cease and desist order the Ohio superintendent issued after an unfair practices hearing. What civil penalty may a court impose for each violation of the order? ORC 3901.22
  • A written statement in Ohio quotes a policy's net cost after an assumed dividend. Besides the gross premiums, cash values and dividends used, what must it carry to avoid being a misrepresentation? ORC 3901.21
  • An Ohio insurer offers one insurance policy as an inducement to buy another. Which words does the unfair practices statute bar from such an advertisement? ORC 3901.21
  • An Ohio insurer tells the superintendent it will test a value-added service in a pilot program. Within how many days of the notice must the superintendent object in writing to stop it? ORC 3901.213
  • An Ohio life agent's license is revoked for rebating or premium discrimination. For how long after the revocation may no license be granted to that agent? ORC 3911.21
  • An Ohio order bars a person, for an indefinite time, from working for any insurance company or agency. How long must pass before the person may apply to end the order? ORC 3901.22
  • In a court action over an unfair insurance practice in Ohio, what is the most the court may impose as a civil penalty for each violation? ORC 3901.22
  • Ohio caps the total of those per-violation civil penalties for unfair insurance practices within any six-month period. What is the cap? ORC 3901.22
  • Ohio law lets insurers and agents give consumers noncash gifts tied to marketing insurance, up to a cost limit. Who sets that limit? ORC 3901.213
  • Ohio makes it an unfair practice to charge a different rate for the same life or sickness and accident coverage solely because of which condition? ORC 3901.21
  • The Ohio superintendent issues an immediate cease-and-desist order because a deceptive practice is causing substantial harm. The notice must set a hearing no more than how long after the order? ORC 3901.221
  • To whom does the Ohio ban on unfair or deceptive acts in the business of insurance apply? ORC 3901.20
  • What does the Ohio unfair practices statute mean by a "pattern settlement"? ORC 3901.21
  • What is the criminal penalty in Ohio for giving a rebate of premium as an inducement to buy life insurance? ORC 3911.99
  • Which refusal to issue a policy does Ohio define as an unfair and deceptive practice? ORC 3901.21
  • Which statement about a life policy or annuity does Ohio list as an unfair and deceptive practice? ORC 3901.21

Guaranty association 17

  • A member insurer fails to pay an assessment when due, and the Ohio superintendent levies a forfeiture in place of suspending its license. What is the monthly ceiling on the forfeiture? ORC 3956.11
  • An insolvent insurer owed disability income benefits to an Ohio resident. Up to what amount does the guaranty association stand behind them? ORC 3956.04
  • An Ohio insured dies after the member insurer that wrote the life policy has been found insolvent. Up to what sum in death benefits on that one life does ORC 3956.04 bind the guaranty association? ORC 3956.04
  • An Ohio member insurer may offset a guaranty assessment against its premium or franchise tax. What share of the assessment may it take in each of the five following calendar years? ORC 3956.20
  • An Ohio resident holds a whole life policy with a company in liquidation and asks for its cash value, not a death claim. What is the most the guaranty association pays her? ORC 3956.04
  • The annuity of an Ohio retiree is with a company that has failed. Counting cash surrender and withdrawal values, what present value does the guaranty association protect for her? ORC 3956.04
  • For a contract holder covered by an unallocated annuity contract, what is the Ohio guaranty association limit on benefits? ORC 3956.04
  • Guaranty association assessments on an Ohio member insurer for one account are capped in any one calendar year at what share of its average yearly premiums in the state for that account? ORC 3956.09
  • How does the Ohio guaranty association act tell an "insolvent insurer" from an "impaired insurer"? ORC 3956.01
  • Member insurers fill the seats on the board that directs the Ohio guaranty association. How many seats does the act allow? ORC 3956.07
  • The Ohio guaranty act sorts what it bills member insurers into classes. Which costs does the class lettered A meet? ORC 3956.09
  • Ohio guaranty assessments left unpaid on and after the due date grow by interest. What yearly rate does the act set? ORC 3956.09
  • What legal form does the Ohio statute give the body that protects policyholders when a life or health insurer fails? ORC 3956.06
  • What may no person do in Ohio with the fact that the life and health insurance guaranty association exists? ORC 3956.18
  • When must an Ohio policy owner be given the summary document that describes the guaranty association and its limits? ORC 3956.18
  • Which limit does the Ohio guaranty association apply to health benefit plan coverage for one individual? ORC 3956.04
  • Which part of a policy does the Ohio guaranty association act leave without coverage? ORC 3956.04

How it works

These unofficial Ohio life insurance exam questions ask the law only: 127 free practice questions written from Ohio Revised Code Title 39 and three department rules, sickness and accident law included. Policy types, underwriting and textbook theory are not asked.

Read the full guide

What the Ohio law questions cover

Six groups: agent licensing and continuing education, life policy provisions, annuity suitability and replacement, sickness and accident provisions, unfair practices and penalties, and the guaranty association. Questions you miss are held in a pile for a second try.

Studying for life insurance alone

Set the topic filter to Life policy provisions, then to Annuity suitability and replacement. Agent licensing and the guaranty association belong to both lines. Each answer names its ORC section or OAC rule and links to codes.ohio.gov.

  • Continuing education: 24 hours each renewal period, at least 3 of them ethics (ORC 3905.481).
  • Renewal: every two years, by the last day of the birth month (ORC 3905.06).
  • A sickness and accident policy may be returned until midnight of the 10th day after it is received (ORC 3923.31).

Questions and answers

How many questions are on the Ohio life insurance test?

That number is not on this page. The Revised Code chapters and rules read for this bank set no exam length, time limit or pass mark, and Exam mode draws 25 questions as a set size, nothing more.

How many hours of prelicensing education does Ohio require?

Twenty hours of study for each line of authority applied for, in a program of insurance education the superintendent approves, under ORC 3905.04. A bachelor's or associate's degree in insurance, or an approved professional designation, also meets the requirement.

How many continuing education hours does an Ohio insurance agent need?

At least twenty-four hours for each license renewal period, including at least three hours of approved ethics training, under ORC 3905.481. The license itself is renewed every two years, by the last day of the birth month.

Are these the real Ohio life insurance exam questions?

No. Nobody here has seen the state exam. The questions were written from the Ohio Revised Code and the Ohio Administrative Code, and the Ohio Department of Insurance did not write or review them.

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