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Free Ohio Life Insurance Practice Exam Online

Official exam: Life Insurance Producer (Ohio)

Take a free Ohio Life Insurance practice exam online: a full 50-question paper with every answer explained, no sign-up, scored by topic. The full 280-question bank and the timed simulator are $14.99 for 30 days.

First published: September 1, 2026Bank updated: September 4, 2026Published by CertQuestUSA · review process
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 written to the regulation it comes from.

Where these questions come from

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

Take a full practice test free. 50 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score 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
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
Show answer and reasoning

Correct answer: A. 24 hours

  • B: 12 hours is below Ohio's statutory CE requirement for a major-lines producer.
  • C: 18 hours is below Ohio's statutory CE requirement.
  • D: 30 hours exceeds what ORC 3905.481 actually requires.
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
Show answer and reasoning

Correct answer: C. 3 hours

  • A: 1 hour is below the statutory ethics-hour carve-out.
  • B: 2 hours is below the statutory ethics-hour carve-out.
  • D: 6 hours overstates the ethics-specific portion of the 24-hour total.
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
Show answer and reasoning

Correct answer: C. Take and pass a written examination

  • A: ORC 3905.04 does not impose a surety-bond requirement as a condition of the life producer exam requirement.
  • B: Ohio's producer licensing act does not condition the exam requirement on insurer sponsorship.
  • D: Ohio's pre-licensing education requirement is 20 hours per line of authority and may be classroom, online, or self-study, not 40 classroom-only hours.
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
Show answer and reasoning

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

  • A: Ohio license renewal is biennial, not annual.
  • C: The cycle is two years, not three, and it is tied to the licensee's birth month rather than the initial licensure anniversary.
  • D: Ohio's renewal period is two years, not five, and expiration is tied to birth month, not calendar year end.
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
Show answer and reasoning

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

  • A: The Secretary of State has no role administering ORC Chapter 3905's producer licensing scheme.
  • B: The NAIC is a standard-setting and database organization; it does not administer Ohio's own licensing statute.
  • C: The Division of Securities regulates securities, not insurance producer licensing under ORC 3905.
Source: Ohio Revised Code Chapter 3905
Same exam, other states
CAFLILNYPATX
Real-world data for this exam
Insurance Sales Agents: real median wage (OH)May 2025$61,260/yr

Frequently asked questions

Where can I take a free Ohio Life Insurance practice exam online?
Right here. CertQuestUSA's free Ohio Life Insurance practice exam online is a full 50-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 280-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
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 Life Insurance Producer (Ohio) practice test?
Yes -- one full 50-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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