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2026 Statistics

Key Facts: OH Life & Health Exam

150

Series 11-35 Questions

PSI Ohio candidate bulletin (updated 9/3/2025)

2.5h

Testing Time

PSI Ohio candidate bulletin

70%

Passing Score

PSI Ohio content outline

$49

Exam Fee

PSI Ohio payment section

20+20 hrs

Prelicense Hours (Life + A&H)

Ohio prelicense requirements

10/1/2025

Remote Life-Series Change

Bulletin notice on remote-proctored availability

As of February 27, 2026, Ohio PSI's current candidate bulletin lists Series 11-35 at 150 questions in 2.5 hours with a 70% passing score and a $49 exam fee. Ohio requires 20 prelicense hours per major line and, for Series 11-35, valid completion certificates for both Life and Accident & Health. The bulletin also states remote-proctored Ohio Life Agent Series exams were unavailable effective October 1, 2025 while new security measures were implemented.

Sample OH Life & Health Practice Questions

Try these sample questions to test your OH Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 588+ question experience with AI tutoring.

1Which Ohio agency regulates insurance producers and insurers in the state?
A.Ohio Department of Commerce, Insurance Bureau
B.Ohio Department of Insurance (ODI)
C.Ohio Office of Financial Regulation
D.Ohio Consumer Insurance Authority
Explanation: The Ohio Department of Insurance is the state regulator for producer licensing, market conduct, and insurance enforcement. The PSI bulletin and Ohio exam outline consistently reference ODI authority and Ohio Revised Code Title 39 compliance.
2How many prelicensing education hours does Ohio require for each major line such as Life or Accident & Health?
A.10 hours
B.15 hours
C.20 hours
D.24 hours
Explanation: Ohio requires 20 hours of prelicensing education per major line. Candidates seeking both life and accident/health authority must complete each required line course before testing and licensing.
3For Ohio Series 11-35, what must a candidate present on test day regarding prelicensing completion?
A.Only one combined certificate
B.Two course completion certificates, one for Life and one for Accident & Health
C.A transcript from any college insurance class
D.Only an emailed certificate on a phone
Explanation: The Ohio bulletin specifically states that Series 11-35 candidates must present both required course completion certificates. This is a state-specific procedural difference from jurisdictions that use one combined prelicense certificate.
4How long are Ohio prelicensing course completion certificates and approved education waivers valid?
A.90 calendar days
B.120 calendar days
C.180 calendar days
D.1 year
Explanation: Ohio sets certificate and waiver validity at 180 calendar days from issuance. If the candidate does not pass within that period, prelicensing must be completed again before testing.
5Which Ohio statute cited in the bulletin requires resident applicants to submit fingerprints for BCI/FBI checks?
A.ORC 3905.051
B.ORC 3911.20
C.ORC 3923.31
D.ORC 3956.04
Explanation: Ohio Revised Code 3905.051 is specifically cited for fingerprint-based background checks. It requires checks through BCI and FBI as part of resident producer licensing processing.
6Ohio background checks for producer licensing are processed through which system type?
A.A paper-only county sheriff submission
B.National WebCheck electronic fingerprint processing
C.Direct FBI mail-in fingerprint cards only
D.An ODI email affidavit process
Explanation: The bulletin directs applicants to National WebCheck providers for electronic processing. This includes approved third-party locations and PSI testing centers that offer WebCheck services.
7Which statement best describes Ohio retake policy language in the PSI checklist?
A.Candidates are limited to 3 lifetime attempts
B.Candidates have unlimited retakes, but required prelicensing certificates must still be valid
C.Candidates must wait 30 days after every failure
D.Candidates cannot retake within the same year
Explanation: Ohio states there is no limit on exam retakes in the checklist. However, if the required prelicensing certificate expires, the candidate must complete the course again before another valid attempt.
8As of the current Ohio PSI bulletin update, what happened effective October 1, 2025 for remote-proctored Ohio Life Agent Series exams?
A.They expanded to 24-hour same-day scheduling
B.They became available only through mobile devices
C.They became unavailable while new security measures were being implemented
D.They were combined with Property and Casualty remote sessions
Explanation: The bulletin front page states remote-proctored examinations for the Ohio Life Agent Series were unavailable effective October 1, 2025 while security measures were put in place. In-person PSI testing locations remained available.
9A candidate arrives at an Ohio test center without the required valid prelicensing certificate(s). What does the bulletin indicate is the immediate outcome?
A.They may still test after signing an affidavit
B.They are turned away and their exam fee is forfeited
C.They can take only the national section
D.They receive a temporary 7-day authorization to test
Explanation: Ohio PSI instructions are explicit that candidates without required valid certificates or waivers cannot test. The same section warns the exam fee will be forfeited in that situation.
10An Ohio Series 11-35 candidate brings a valid Life prelicensing certificate but an expired Accident & Health certificate. Which result is most consistent with PSI bulletin rules?
A.Candidate may test because one certificate is still valid
B.Candidate may test but only 50% of the questions are scored
C.Candidate may not test because both required certificates must be valid for 11-35
D.Candidate may test after paying a same-day certificate override fee
Explanation: Series 11-35 requires both line certificates, and each certificate is valid for 180 days from issuance. If one required certificate has expired, the candidate is not eligible to test under bulletin rules until requirements are re-satisfied.

About the OH Life & Health Exam

Ohio's Series 11-35 Life, Accident and Health exam tests producer licensing law, life and annuity products, health/disability coverage, Medicare and long-term care, and Ohio-specific compliance duties under Title 39 and ODI rules.

Questions

150 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

70%

Exam Fee

$49 (Ohio Department of Insurance (ODI) / PSI)

OH Life & Health Exam Content Outline

10%

Ohio Insurance Regulation

Producer licensing, appointments, disciplinary standards, unfair practices, and ODI authority under Ohio law

5%

General Insurance Concepts

Risk, contract structure, insurer types, agency authority, and core policy principles

29%

Life Insurance and Annuities

Life policy classes, provisions/riders, nonforfeiture, annuities, replacement, and related suitability issues

8%

Federal Tax Considerations

Tax treatment of life insurance, annuities, IRAs, MECs, and related transfer/distribution scenarios

36%

Health, Disability, and Group Coverage

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

8%

Senior and Special-Needs Markets

Medicare Parts A-D, Medicare supplement standards, long-term care, and senior-consumer protections

How to Pass the OH Life & Health Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 150 questions
  • Time limit: 2 hours 30 minutes (150 minutes)
  • Exam fee: $49

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

OH Life & Health Study Tips from Top Performers

1Anchor your prep to the official 11-35 blueprint domains rather than generic national-only life/health notes
2Memorize Ohio licensing and enforcement triggers early: appointments, reporting duties, unfair practices, CE, and renewal timing
3Drill life-policy provisions and annuity taxation because those domains carry heavy scoring weight
4Use scenario sets for Medicare supplement, disability income, and long-term care to strengthen health-section reasoning
5Practice timed mixed sets at full 150-minute pacing and review misses by bulletin domain label

Frequently Asked Questions

What are the core logistics for Ohio Series 11-35?

The current PSI Ohio bulletin lists Series 11-35 at 150 questions, 2.5 hours, a 70% passing score, and a $49 exam fee. Candidates should train for a full mixed outline that includes both national and Ohio law-heavy content.

What prelicense education does Ohio require for the combined life and health exam?

Ohio requires 20 prelicense hours per major line. For Series 11-35 specifically, you must present valid completion certificates for both Life and Accident & Health lines, and certificates are valid for 180 calendar days from issuance.

Does Ohio cap the number of exam retakes?

The PSI checklist states there is no limit to the number of retakes, but required prelicense certificates must still be valid when you test. If your certificate window expires, you must satisfy prelicense requirements again.

What are key Ohio post-pass compliance and maintenance rules?

Resident licensing requires BCI/FBI fingerprint-based background checks under ORC 3905.051. After licensure, major-line resident agents complete 24 CE hours every two years including 3 ethics, renew by the last day of the birth month, and face late/suspension/reinstatement rules if renewal deadlines are missed.

Was there a recent Ohio testing update that affects scheduling?

Yes. The current bulletin notes that remote-proctored examinations for the Ohio Life Agent Series became unavailable effective October 1, 2025 while new security measures were being implemented. In-person PSI testing remained available.