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Free OH Life & Health Exam Prep

Ohio Life, Accident and Health Insurance Agent (Series 11-35)

Pass your OH Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Quick Facts

7
Chapters
19
Sections
$0
Our Cost
Updated January 2026

Ohio Life & Health Insurance

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Life and Health Insurance Study Guide 2025-2026: All In One Life and Health Insurance License Exam Prep. With Life and Health Insurance Exam Review Material and 645 Practice test Questions

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Your Study Path

Ohio Life & Health Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

Master ODI Licensing and Ohio Producer LawYou are here

Start with licensing, appointments, discipline, unfair practices, and Ohio-specific compliance duties because regulation appears throughout exam scenarios.

20
hours
2

Build Life and Annuity Proficiency

Drill life policy types/provisions, riders, nonforfeiture options, annuities, and replacement/suitability rules tied to Ohio exam framing.

26
hours
Start this step
3

Build Health, Disability, and Medical Plan Accuracy

Practice accident/health policy provisions, disability income, medical plan structures, HIC concepts, group coverage, and dental-plan distinctions.

26
hours
4

Run Timed 150-Question Simulations

Simulate full 150-minute pacing and map misses to official domain labels for targeted remediation before test day.

20
hours
Estimated total study time
92 hours
That's about 10 weeks at 10 hours/week

Can You Take the OH Life & Health Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old
Education
20 hours of approved prelicense education per major line (Life and Accident & Health for combined Series 11-35 path)
Background Check
BCI/FBI fingerprint-based criminal history check required for resident applicants (ORC 3905.051)
Fingerprinting
Fingerprint processing available via WebCheck providers; PSI center fee listed at $72.25 in current bulletin
Additional Requirements
  • •For Series 11-35, present valid prelicense completion certificates for both required lines on exam day
  • •Prelicense certificates and approved waivers are valid for 180 calendar days
  • •Exam fee is valid for one year from payment date
  • •Resident major-line producers complete 24 CE hours every two years, including 3 ethics hours
  • •Renewal is every two years by the last day of birth month; one-month late period includes a $50 late fee

OH Life & Health Quick Facts

Time to Get Licensed

4-8 weeks for most candidates

From start to license in hand

Exam Provider

PSI Services

In-Person Only
Schedule Your Exam

Retake Policy

Current PSI checklist states there is no limit to retake attempts, but required prelicense certificates must remain valid and each new reservation requires a new exam fee.

Total Cost Breakdown

Exam Fee$49
Fingerprint Fee$72.25 at PSI center (current bulletin listing)
Total Estimated Cost$121.25+ before application and provider-specific education costs
Why Choose Us

Free OH Life & Health Prep That Actually Works

The official pass rate is Not publicly reported by ODI / PSI. Our students do better.

200+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

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What You'll Study

7 chapters covering everything you need to pass

1

Introduction: Ohio Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: Ohio Insurance Regulation & Licensing

3 sections

3

Chapter 2: Ohio Life Insurance Laws

3 sections

4

Chapter 3: Ohio Health Insurance Laws

3 sections

5

Chapter 4: Ohio Insurance Ethics & Prohibited Practices

3 sections

6

Chapter 5: Ohio Annuity Regulations

3 sections

7

Chapter 6: Ohio Group Insurance & Special Topics

3 sections

OH Life & Health-Specific Topics Covered

Ohio Series 11-35 combined exam format: 150 questions, 2.5 hours, 70% passing scoreODI producer licensing and enforcement under Ohio Revised Code Title 39ORC 3905.051 fingerprint-based BCI/FBI background-check requirementSeries 11-35 requires both Life and Accident & Health prelicense certificates at test timeCertificate/waiver validity of 180 days and exam-fee validity of one yearResident CE and renewal framework: 24 hours every two years with 3 ethics, one-month late period, and reinstatement rulesCurrent bulletin notice: remote-proctored Ohio Life Agent Series unavailable effective October 1, 2025 while security updates are implemented
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OH Life & Health Exam Details

Ohio Life, Accident and Health Insurance Agent (Series 11-35)

Administered by Ohio Department of Insurance (ODI) / PSI Services

Official Source
70%
Passing Score
150
Questions
2.5
Hours
$49 exam fee
Exam Fee
Study time: 60-100 hours
Prerequisites: Complete required prelicense education (20 hours per major line), pass Series 11-35, complete required BCI/FBI fingerprint background check, and file resident producer application

Exam Content Breakdown

Based on the official Ohio Department of Insurance (ODI) / PSI Services content outline

Insurance Regulation10%

ODI authority, producer licensing/appointments, unfair practices, privacy/fraud, and related Ohio/Federal compliance requirements

General Insurance Concepts5%

Risk, contracts, insurer types, agency, and foundational insurance principles

Life Insurance and Annuities29%

Life basics, life policy types/provisions/riders, and annuity products with replacement and suitability concepts

Federal Tax Considerations8%

Tax treatment of life policies, annuities, IRAs, MECs, and related transfers/distributions

Health, Disability, and Group Coverage36%

Accident/health basics, policy provisions, disability income, medical plans, HICs, group accident/health, and dental plans

Senior and Special-Needs Insurance8%

Medicare Parts A-D, Medicare supplement standards, and long-term care policy concepts

What's Included

7 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

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What's Next After the OH Life & Health?

After passing the OH Life & Health, you can pursue these career paths

Life & Health

Strengthen national life and health core concepts

OH Property & Casualty

Add Ohio property and casualty authority

NMLS

Expand into mortgage licensing workflow

OH Life & Health Exam FAQ

Official Ohio Department of Insurance (ODI) / PSI Services Resources

Verify information with these official sources

PSI Ohio Insurance ProgramPSI Ohio Candidate Information Bulletin (updated 9/3/2025)Ohio Department of Insurance (ODI)Ohio Revised Code 3905.051 (Fingerprint requirement)Ohio Revised Code Title 39 (Insurance)

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