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Ohio life and health practice exam

Free life and health practice for the Ohio producer exam: 273 general questions plus 13 Ohio state law questions, each with an explanation.

Ohio state law questions

Every Ohio question with its answer, explanation, and the law it comes from.

State laws change. Always confirm details with the Ohio insurance department and your exam's content outline.

Licensing and CE

1. How many hours of continuing education must an Ohio resident agent complete each license renewal period?

  1. 24 hours, including at least 3 hours of ethics
  2. 24 hours, with no ethics requirement
  3. 20 hours, including 2 hours of ethics
  4. 30 hours, including 3 hours of ethics
Show answer
A. 24 hours, including at least 3 hours of ethics
Ohio Rev. Code 3905.481.
Source: Ohio Rev. Code 3905.481 (Continuing education)

2. For each violation of Ohio's agent licensing law, the Superintendent may assess a civil penalty of up to:

  1. $1,000
  2. $5,000
  3. $10,000
  4. $25,000
Show answer
D. $25,000
Ohio Rev. Code 3905.14. Ohio's maximum is much higher than the $5,000 used in many states.
Source: Ohio Rev. Code 3905.14 (Prohibited conduct and penalties)

3. In Ohio, unless the insurer specifies a different deadline, an agent who accepts a premium must submit the application within:

  1. 3 days
  2. 15 days
  3. 7 days
  4. 30 days
Show answer
C. 7 days
Ohio Rev. Code 3905.14 treats failing to submit an application on time as prohibited conduct.
Source: Ohio Rev. Code 3905.14 (Prohibited conduct and penalties)

4. An Ohio agent must report an administrative action taken against them within:

  1. 10 days after the action begins
  2. 30 days after the final disposition
  3. At the next license renewal
  4. 60 days after the final disposition
Show answer
B. 30 days after the final disposition
Ohio Rev. Code 3905.22.
Source: Ohio Rev. Code 3905.22 (Reporting actions)

5. An Ohio agent facing a criminal prosecution must report it within:

  1. 10 days after arrest
  2. 60 days after conviction only
  3. At the next license renewal
  4. 30 days after the initial court appearance, and again within 30 days after the disposition
Show answer
D. 30 days after the initial court appearance, and again within 30 days after the disposition
Ohio Rev. Code 3905.22 requires two reports.
Source: Ohio Rev. Code 3905.22 (Reporting actions)

Life Policy Provisions

1. Ohio requires a life insurance grace period for every premium after the first of:

  1. One month
  2. 60 days
  3. 10 days
  4. 45 days
Show answer
A. One month
Ohio Rev. Code 3915.05(B).
Source: Ohio Rev. Code 3915.05 (Required life policy provisions)

2. In Ohio, a lapsed life policy may be reinstated within:

  1. 5 years from the default
  2. 2 years from the default
  3. 3 years from the default
  4. 1 year from the default
Show answer
C. 3 years from the default
Ohio Rev. Code 3915.05(J).
Source: Ohio Rev. Code 3915.05 (Required life policy provisions)

3. In Ohio, a life policy must allow policy loans after how many full years' premiums have been paid?

  1. 5
  2. 3
  3. 1
  4. 2
Show answer
B. 3
Ohio Rev. Code 3915.05(G).
Source: Ohio Rev. Code 3915.05 (Required life policy provisions)

4. In Ohio, a death claim must be settled on receipt of due proof of death, or no later than:

  1. 2 months after receipt of the proof
  2. 30 days after receipt of the proof
  3. 6 months after receipt of the proof
  4. 10 days after receipt of the proof
Show answer
A. 2 months after receipt of the proof
Ohio Rev. Code 3915.05(K).
Source: Ohio Rev. Code 3915.05 (Required life policy provisions)

Replacement

1. Under Ohio's replacement rule, the owner of a replacement policy or contract may return it for an unconditional full refund within:

  1. 45 days
  2. 30 days
  3. 10 days
  4. 20 days
Show answer

2. Ohio insurers must keep replacement records for at least:

  1. 1 year
  2. 10 years after issue
  3. 3 years after issue
  4. 5 years after the termination or expiration of the proposed policy
Show answer
D. 5 years after the termination or expiration of the proposed policy
Ohio Adm. Code 3901-6-05.
Source: Ohio Adm. Code 3901-6-05 (Replacement of life insurance and annuities)

Guaranty Association

1. The Ohio Life and Health Insurance Guaranty Association covers life insurance death benefits up to:

  1. $500,000
  2. $250,000
  3. $300,000
  4. $100,000
Show answer
C. $300,000
Ohio Rev. Code 3956.04. Cash surrender values are limited to $100,000.
Source: Ohio Rev. Code 3956.04 (Guaranty Association)

2. The Ohio guaranty association covers the present value of annuity benefits up to:

  1. $500,000
  2. $300,000
  3. $250,000
  4. $100,000
Show answer
C. $250,000
Ohio Rev. Code 3956.04.
Source: Ohio Rev. Code 3956.04 (Guaranty Association)

Keep studying

The general topics make up most of the exam.

General ConceptsLifePolicy TypesLifeProvisions, Options, and RidersLifeUnderwriting and DeliveryLifeAnnuitiesLifeTaxes, Retirement, and Business UsesLifeInsurance BasicsLifePlan Types and BasicsHealthUniform Mandatory ProvisionsHealthOptional ProvisionsHealthRenewabilityHealthDisability IncomeHealthMedical Expense and ContinuationHealthGroup Insurance and AD&DHealthMedicare, Medicaid, and LTCHealthFederal Health LawsHealth

Ohio exam questions

How much of the Ohio life and health exam is state law?

State law is usually around 20 to 30 percent of a state's producer exam. Check the Ohio candidate handbook from your testing provider for the exact content outline.

What does the Ohio state law section cover?

Common areas include licensing and continuing education, required policy provisions, replacement rules, and the guaranty association. This page covers: licensing and ce, life policy provisions, replacement, guaranty association.

Where do these state questions come from?

Each state question is written from the state's statutes, regulations, or insurance department guidance, and the source is linked under the answer so you can read it yourself.

Do I still need the general questions?

Yes. Most of the exam is general life and health knowledge. The full exam option here mixes 273 general questions with the Ohio state law questions.