Life Insurance Producer (Ohio)

First published: September 1, 2026Last verified: September 4, 2026Reviewed by the CertQuestUSA team

TL;DR

Life Insurance Producer (Ohio): a 280-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 5 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (58%) and codes.ohio.gov (31%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.

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5

full papers, no repeats

50

questions per paper

280

questions in the bank

What this exam covers

Annuities10%
Applications, Underwriting, Policy Delivery, and Field Responsibilities12%
Business, Group, and Specialized Life Uses7%
Ethics, Suitability, and General Insurance Regulation5%
OH Annuity Suitability (OAC 3901-6-13)4%
OH Appointment Termination0%
OH CE Requirements3%
OH Free-Look (conditional 10-day disclosure delay, OAC 3901-6-03)1%
OH Grace Period1%
OH License Discipline3%
OH License Exceptions1%
OH Nonresident Licensing3%
OH Pre-Licensing Education (20 hrs/line, ORC 3905.04)2%
OH Producer Licensing (ORC 3905)2%
OH Replacement Rules2%
OH Viatical Settlements (ORC 3916)2%
Policy Provisions, Riders, Options, and Exclusions15%
Tax Treatment and Retirement Concepts10%
Types of Life Policies15%

5 real sample questions

Under Ohio Revised Code 3905.481, how many total hours of continuing education must a resident life insurance producer complete for each license renewal period?

A. 24 hours

B. 12 hours

C. 18 hours

D. 30 hours

Source: Ohio Revised Code 3905.481

Of the 24 total continuing education hours Ohio requires per renewal period under ORC 3905.481, how many must be approved ethics training?

A. 1 hour

B. 2 hours

C. 3 hours

D. 6 hours

Source: Ohio Revised Code 3905.481

Under ORC 3905.04, what must a resident individual do before submitting an application for an Ohio life insurance agent license?

A. File a $10,000 surety bond with the superintendent

B. Obtain sponsorship from an appointing insurer

C. Take and pass a written examination

D. Complete 40 hours of classroom-only pre-licensing education

Source: Ohio Revised Code 3905.04

Under Ohio's producer renewal framework, how frequently must a resident life insurance producer renew their license, and on what date does it expire?

A. Annually, on January 1

B. Every two years, on the last day of the licensee's birth month

C. Every three years, on the anniversary of initial licensure

D. Every five years, on the last day of the calendar year

Source: Ohio Revised Code 3905.06; ORC 3905.481

Which state agency and official are responsible for administering and enforcing the Ohio Insurance Producers Licensing Act (ORC Chapter 3905) for life insurance producers?

A. The Ohio Secretary of State

B. The NAIC's Columbus regional office

C. The Ohio Department of Commerce, Division of Securities

D. The Ohio Department of Insurance, under the superintendent of insurance

Source: Ohio Revised Code Chapter 3905

Same exam, other states

CA FL IL NY PA TX

Real-world data for this exam

Insurance Sales Agents: real median wage (OH)May 2025$61,260/yr

Frequently asked questions

How many questions are on the CertQuestUSA Life Insurance Producer (Ohio) practice test?

280 questions total, split into 5 full papers of 50 each with no repeats across papers.

What topics does the Life Insurance Producer (Ohio) test cover?

19 domains, with the heaviest weight on Policy Provisions, Riders, Options, and Exclusions (15%), Types of Life Policies (15%), and Applications, Underwriting, Policy Delivery, and Field Responsibilities (12%).

Where do CertQuestUSA's Life Insurance Producer (Ohio) questions come from?

Primarily content.naic.org (58%) and codes.ohio.gov (31%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Life Insurance Producer (Ohio)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.