Ohio Life Insurance Agent examination, Series 11-44
The Ohio life insurance exam.
The Ohio life insurance exam is 100 scored questions, about 10 unscored pretest questions, in 120 minutes, passing at 70%, $49 per attempt, administered by PSI Exams. We sell study materials and practice exams for it, written from the official Ohio outline. The first questions are free, and the full License Pass is $149, yours until you pass. Below are the licensing steps, exactly what the exam covers, and free practice questions written to this state's outline.
At a glance
| Exam | Ohio Life Insurance Agent examination, Series 11-44 |
| Scored questions | 100 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | 70% minimum passing score |
| Exam fee | $49 |
| Testing vendor | PSI Exams |
| Retake rules | No waiting period; same-day retesting not possible (results processing), can retest as soon as the next available day; unlimited retakes (fee per attempt) |
| Prelicensing education | required, from a state-approved provider |
Verified against official PSI Exams materials, PSI Ohio Insurance License Examination Candidate Information Bulletin, Copyright 2026, updated 3/24/2026 (linked as the current Candidate Bulletin from the live PSI test page for OH Life Agent Series 11-44 at test-takers.psiexams.com/ohins/test/LA9QHNU3, checked 2026-08-27). Specs change; confirm when you register.
How to get your Ohio life insurance license
- 1
Meet the basics
Be 18 or older and able to pass the background screening. Ohio handles licensing through the NIPR system like most states.
- 2
Complete the required prelicensing education
Ohio requires prelicensing education from a state-approved provider before you can test. Complete it with that provider, keep your completion record, then drill practice questions until the material sticks.
- 3
Book the exam with PSI Exams
Register at PSI Exams, pick a test center or online proctoring where offered, and pay the $49 exam fee.
- 4
Pass the exam
Walk in knowing the format, 100 scored questions in 120 minutes, passing at 70%. About 62% of first-time life exam takers pass nationally (NAIC, latest published data).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Ohio exam covers
From the official exam outline, each section's share of the exam and how many of the 100 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Insurance Regulation | 12% | 12 questions |
| General Insurance | 12% | 12 questions |
| Life Insurance Basics | 18% | 18 questions |
| Life Insurance Policies | 12% | 12 questions |
| Life Insurance Policy Provisions, Options and Riders | 22% | 22 questions |
| Annuities | 12% | 12 questions |
| Federal Tax Considerations for Life Insurance and Annuities | 12% | 12 questions |
Free Ohio practice questions
Original questions written to the Ohio outline, the same bank our students drill. Tap a question to check the answer.
Question 1What Ohio state agency issues insurance producer licenses and oversees producer conduct?
- A. The Ohio Department of Insurance
- B. The Ohio Department of Commerce
- C. The National Association of Insurance Commissioners
- D. The Ohio Attorney General's Office
Show the answer
Answer: A
The Ohio Department of Insurance, led by the Superintendent of Insurance, is the state authority that licenses and regulates producers. The Department of Commerce regulates other industries but not insurance producers. The NAIC is a national coordinating group with no direct licensing authority. The Attorney General handles legal matters for the state but does not issue insurance licenses.
Ohio Rev. Code Chapter 3905 (producer licensing administered by the Department of Insurance)
Question 2What is the main purpose of the free look period required on a new Ohio life insurance policy?
- A. To let the insurer cancel a risky policy
- B. To let the policyowner review the policy and return it for a full refund
- C. To delay the start of coverage until premiums clear
- D. To give the producer time to complete the appointment
Show the answer
Answer: B
The free look lets the new policyowner examine the delivered policy and return it during the review period for a full premium refund if not satisfied. It is a consumer right, not a way for the insurer to cancel. It does not delay coverage, and it has nothing to do with completing the producer's appointment.
Ohio Rev. Code 3915.05 (free look / examination period)
Question 3Maria applies for a life policy and the insurer wants to order a consumer report to check her background; what does FCRA require the insurer to do?
- A. Notify her that a consumer report may be obtained
- B. Get approval from the Ohio Department of Insurance
- C. Pay her for the cost of the report
- D. Wait until after the policy is issued
Show the answer
Answer: A
FCRA requires that the applicant be told a consumer or investigative report may be obtained. State approval is not required for ordering a report. The applicant does not get paid, and the report is typically obtained during underwriting, not after issue.
Fair Credit Reporting Act, 15 U.S.C. 1681d (disclosure of investigative reports)
Question 4What is the term for the chance or uncertainty of loss?
- A. Peril
- B. Hazard
- C. Risk
- D. Exposure
Show the answer
Answer: C
Risk is defined as the uncertainty or chance that a loss will occur. A peril is the actual cause of loss, such as fire or death. A hazard is a condition that increases the chance of a loss. Exposure refers to a unit that may suffer a loss, not the uncertainty itself.
General Insurance Concepts: risk terms
Question 5Which of these best describes the risk of buying a policy from an unauthorized insurer in Ohio?
- A. The policy premiums are always higher than admitted carriers
- B. The insurer has not been reviewed for and granted authority by the state, and consumers may have fewer protections
- C. The insurer cannot pay any claims at all
- D. The insurer is automatically covered by the guaranty association
Show the answer
Answer: B
An unauthorized insurer has not obtained a certificate of authority, so it has not been vetted by the state and buyers may lack normal state protections such as guaranty association coverage. Premium level is not the defining issue. An unauthorized insurer can still pay claims, though it is not overseen the same way. Guaranty association protection generally applies to authorized insurers, not unauthorized ones.
General Insurance > Insurers (authorized vs unauthorized, guaranty association)
Take the free Ohio practice test, every question with the answer and the explanation
Ohio exam FAQs
How many questions are on the Ohio life insurance exam?
100 scored questions, plus about 10 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Ohio exam?
You need 70% to pass.
How much does the Ohio life insurance exam cost?
The exam fee is $49 per attempt, paid to PSI Exams. Licensing application and fingerprint fees are separate.
What happens if I fail the Ohio exam?
No waiting period; same-day retesting not possible (results processing), can retest as soon as the next available day; unlimited retakes (fee per attempt). About 62% of first-time life exam takers pass nationally (NAIC, latest published data). Failing once is common, and the fix is drilling the sections your score report names.
Does Ohio require prelicensing education before the exam?
Yes. Ohio requires prelicensing education from a provider your state insurance department lists before you can sit for the exam. We sell study materials and practice exams, not prelicensing education, so plan for both, the required education first, then practice here until the exam feels familiar.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a state-approved prelicensing education provider, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with an approved provider; your state insurance department publishes the approved list. What we do is make sure that when you sit down for the real exam, the questions feel familiar.
Practice the Ohio exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (100 questions, 120 minutes), and a mastery map that shows what to study next.
A free placement plus free practice questions. No card to start.