How to get a Ohio life & health license
Requirements, exam, fees and the order to do things in — from the Ohio Department of Insurance and the exam handbook.
Step by step
- Complete pre-licensing education — 20 hours from a Ohio-approved provider.
- Schedule and pass the state exam with PSI ($49). Read the candidate handbook.
- Get fingerprinted if required — Required (Ohio BCI + FBI WebCheck); $72.25 if taken at PSI center.
- Apply for the license through NIPR or the Ohio Department of Insurance ($10).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 hours per renewal (license term: 2 years).
Pre-licensing & exam prep courses
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Ohio Life & Health requirements
| Life (11-44) | Accident & Health (11-45) | |
|---|---|---|
| Pre-licensing education | 20 hours | 20 hours |
| Exam vendor | PSI | PSI |
| Exam fee | $49 | $49 |
| Questions / time | 120 min | 120 min |
| License application fee | $10 | $10 |
| Fingerprints | Required (Ohio BCI + FBI WebCheck); $72.25 if taken at PSI center | Required (Ohio BCI + FBI WebCheck); $72.25 if taken at PSI center |
| Continuing education | 24 hours · 2 years | 24 hours · 2 years |
Life (11-44): Combined Life, A&H 11-35: 150 Q, 150 min, needs both 20-h certificates. CE 24 h/2 yr incl. 3 h ethics.
Minimum age 18. Sources: PSI Ohio Insurance Candidate Information Bulletin · PSI Ohio Insurance test listing (fees). Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other Ohio licenses
Property & Casualty license · Adjuster license · All Ohio insurance licenses
Questions
How long does it take to get a life and health insurance license in Ohio?
The 20 hours of pre-licensing take most people 1–3 weeks. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Ohio Life & Health license cost?
State fees (exam + application) come to about $118, plus fingerprints and a course if you take one.
Who runs the Ohio insurance exam?
PSI. Book the exam on the vendor's site after reading the candidate handbook.