Our Customer Support team's hours have temporarily changed. You can now reach us by phone from 12:00-6:00 pm EST and chat during regular hours.

Please be advised that our site may be intermittently unavailable for 4 hours on Saturday, December 10th, from 12:00 AM ET to 4:00 AM ET for maintenance. We apologize for any inconvenience this may cause.

Our Live Online, Live & OnDemand, and Self-Study Online insurance licensing solutions provide a safe and convenient learning environment for our students, customers, and community. Select Your State »

Ohio Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of Ohio. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Ohio Department of Insurance website at http://www.insurance.ohio.gov. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

Ohio Department of Insurance

Insurance Division
50 West Town Street, 3rd Floor, Suite 300  
Columbus, OH 43215
Phone: 614-644-2665
Fax:  614-644-3475
Website: http://www.insurance.ohio.gov
Email: licensing@ins.state.oh.us

How to Get Your Ohio Insurance License

1. Complete an Insurance Prelicensing Course

Ohio requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry. 

Prelicensing Education Hour Requirements

  • Life: 20 Hours
  • Accident & Health: 20 Hours
  • Property: 20 Hours
  • Casualty: 20 Hours
  • Personal Lines: 20 Hours

Note: The Variable Life/Variable Annuity line does not require prelicensing education, but it does require a Series 6 or Series 7 FINRA certification.

Acceptable Methods of Education

  • Classroom
  • Self-study
  • Online

Note: Self-study and online courses require applicants to pass a certification exam.

Note: Upon registration, the candidate will be provided a Prelicensing Education Student Registration Form which must be completed and returned to Kaplan Financial Education according to the directions provided. 

Online Course Requirements

Forced progression: This requires the user to successfully complete each page of the online course before being allowed to proceed to the next.

Prelicensing Education Exemptions

Applicants who have the following designations, certifications, or degrees may have the prelicensing education requirements waived for the indicated line of authority:

  • Life, Accident & Health - CLU®.
  • Property, Casualty and Personal Lines - CPCU®.
  • All major lines of authority (except Surety Bail Bond) - Associates or Bachelor’s Degree with a major in Insurance.

Note: Applicant must provide verification to the Ohio Department of Insurance and receive the education waiver prior to testing. Each waiver is valid for 180 calendar days, and the applicant must present the original waiver on the day of the exam.

Adjuster Licensing Requirements

The Designated Home State (DHS) adjuster license is available to individuals who are 1) residents of a state that does not license adjusters, or 2) to individuals that are company adjusters and reside in a state that only licenses independent adjusters and wants to designate another state as their home state. 

The states that qualify under #1 and #2 above are CO, DC, IA, IL, KS, MA, MD, MO, ND, NE, NJ, OH, PA, SD, TN, VA, and WA.

How to get an All-Lines Adjuster Designated Home State license in Florida

Under the Designated Home State concept, many adjusters obtain the Florida 70-20 Non-Resident Designated Home State Adjuster license to become an All-Lines Adjuster in Florida. To qualify for the license, the adjuster must obtain a Florida-approved adjuster designation or pass the Florida All-Lines Adjuster state examination, and complete Florida’s biennial continuing education requirement. 

Obtaining the 70-20 license allows company and independent adjusters residing in the states above to adjust claims in Florida, all states that have adjuster reciprocity with Florida, and states that accept the Florida DHS Adjuster license.

The Certified All-Lines Adjuster (CALA) designation is offered by Kaplan pursuant to the authority of Florida Statute §626.221 and with the approval of the Florida Department of Financial Services (DFS). Completion of the CALA designation course allows a prospective licensee to receive their Florida 70-20 license without taking the Florida state licensing exam. 

Select the link below to see the requirements for obtaining a Florida 70-20 Designated Home State Adjuster license.


How to get an All-Lines Adjuster Designated Home State license in Texas

Some adjusters elect to designate Texas as their Designated Home State and obtain the Texas Designated Home State (DHS) Adjuster license. 

Kaplan’s online Property/Casualty Adjuster licensing course contains the actual state licensing exam for the Texas DHS Adjuster license. Therefore, the licensing candidate can satisfy their Texas adjuster prelicensing requirement and pass the Texas P/C Adjuster state licensing exam online through Kaplan without leaving their home or office. Upon completing the Kaplan course and successfully passing the course exam, the adjuster can remotely apply for their Texas P/C Adjuster license using the procedures found on the Texas State Requirements page. This will qualify them to adjust in both their home state and all states that accept the Texas DHS Adjuster license.

Completion Reporting

Kaplan will automatically report your completion of the Certified All-Lines Adjuster (CALA) designation to the Florida DFS in 5-7 business days. An online PDF Certificate of Completion is also available to download and print immediately after the final exam is passed. 

2. Pass Your Ohio Licensing Exam

After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Ohio licensing exams, so you will be prepared to pass the first time. 

Certificate of Completion Requirements

  • To receive a certificate the applicant must receive a score of 70% or greater on the certification exam given by the approved prelicensing provider. The student must complete a Prelicensing Self-Study Affidavit for each line of authority exam. The affidavit verifies the student did not receive outside assistance. The affidavit must be returned to Kaplan Financial Education immediately upon passing the self-study examination according to the directions provided.
  • A certificate of course completion is issued to the individual at the end of each line of authority course completed and is valid for 180 calendar days.
  • Applicant must present the original, unaltered course completion certificate(s) for each corresponding line of insurance authority they are applying for at the exam site.

Exam Provider: PSI

  • To obtain a Licensing Information Bulletin, go to the PSI website at https://psiexams.com.
  • To schedule an exam, contact PSI at https://candidate.psiexams.com or 800-733-9267.
  • Please be prepared for your Ohio Insurance License exam and be aware of the common errors that cause issues at the PSI test centers. You will not be permitted to sit for the state insurance exam if you fail to present proper documentation at the test site upon arrival.
As of April 6, 2021 PSI now offers remote testing. Please remember that candidates must use the following URL when scheduling an examination (for both remote or at a test center): https://www.psiexams.com/ohin

For remote proctored testing: Students MUST email their prelicensing certificate(s) or education waiver(s) to ohcert@psiexams.com within 24 hours of passing the state exam. The Department is unable to process any license application without receipt of the valid PLE certificate(s). Therefore, failure to timely submit the PLE certificate(s) to ohcert@psiexams.com WILL delay the licensure process.

PSI has issued a new dedicated phone number for all inquiries related to the OH insurance candidate examination process. The new number for OH Insurance candidates is 855-807-3995, and is listed in the Candidate Information Bulletin. Using any other PSI number may result in delays.

Below is a list of the most common reasons that candidates are not permitted to sit for the state insurance exam.

Course completion certificates issues:

  • Provider signature missing.
  • Candidate signature missing.
  • Expired certificates. Pre-licensing certificates are valid for 180 days from the date of course completion.
  • A separate certificate is required for each line of authority. Candidates sitting for a combined exam (i.e. Property & Casualty or Life & Health) must present two certificates at the test site.
  • Candidate did not bring printed certificate(s) to the test center:
  • Candidate failed to print the course completion certificate(s) prior to testing. Digital certificate(s) are not valid proof of completion. A hard copy must be presented at the test site.
  • Candidate brought a self-study course affidavit(s) rather than course completion certificate(s)
  • Candidate brought course registration form(s) rather than course completion certificate(s)

Other common issues candidates experience at PSI test centers:

  • Candidates showing up at a PSI center thinking that they are taking the proctored exam for the provider in order to obtain a course completion certificate, rather than testing for the official Ohio insurance license exam.
  • Candidate not bringing correct form of ID. Two valid (non-expired) forms of ID, bearing the candidate’s name and signature, are required. Also, the name on your ID and pre-licensing certificates must be an exact match to the name you provided when registering for your state exam. Examples of primary valid (non-expired) forms of ID include state issued driver’s license; state issued ID card; US Government issued passport; US Government issued military ID card; US Government issued Alien Registration card; or Canadian Government issued ID. Examples of secondary valid forms of ID include a debit/credit card or employee ID. A birth certificate is NOT a valid form of ID and will NOT be accepted.
  • Arriving to the test center late. You will not be permitted to sit for the exam if you arrive after the scheduled start time. Candidates are strongly advised to arrive 30 minutes before your appointment time.
  • Having unauthorized items at the test center. No personal items are permitted inside the test facility. Possession of prohibited items inside the examination room will result in immediate termination of your exam and your exam scores will be invalidated.

Please note: Failure to meet the above requirements will result in cancellation of your Ohio insurance exam and forfeiture of your exam fees. You will be required to reschedule your exam for a later date and pay the required examination fee. 

Frequently Asked Questions About the Ohio Licensing Exam

After completing my prelicensing, how should I prepare for exam day? 

You must bring two valid forms of signature bearing identification, with at least one also bearing your photograph. Your name as shown during registration must exactly match the name on the photo I.D. used when checking in at the examination center. 

You must bring VALID course completion certificate(s) or education waiver(s), if required, to the examination center. Your name as shown on the certificate must exactly match the name on the photo I.D. used when checking in at the examination center as well as the name shown during registration. Please note that if you do not bring the appropriate prelicensing certificate(s) or education waiver(s) when required, you will not be able to test and your exam fee will be forfeited.

Please arrive 30 minutes prior to appointment.

What is the exam like?   

Exam Day

  • All personal belongings of candidates should be placed in the secure storage provided at each site prior to entering the examination room. 
  • Personal belongings include, but are not limited to, the following items: Electronic devices of any type, including cellular / mobile phones, recording devices, electronic watches, cameras, pagers, laptop computers, tablet computers (e.g., iPads), music players (e.g., iPods), smart watches, radios, or electronic games. 
  • Bulky or loose clothing or coats that could be used to conceal recording devices or notes. For security purposes outerwear such as, but not limited to: open sweaters, cardigans, shawls, scarves, hoodies, vests, jackets and coats are not permitted in the testing room. 
  • In the event you are asked to remove the outerwear, appropriate attire, such as a shirt or blouse should be worn underneath. 
  • Hats or headgear not worn for religious reasons or as religious apparel, including hats, baseball caps, or visors. Other personal items, including purses, notebooks, reference or reading material, briefcases, backpacks, wallets, pens, pencils, other writing devices, food, drinks, and good luck items.

Exam Format 

Questions on the final PSI exam are in multiple-choice format. 

Your examination contains non-scored questions. The use of such questions is an essential step in developing accurate future examinations. These questions will NOT be scored and time to answer them has been added to the time allowed.

The minimum passing score is 70 percent. Your examination result will be given to you immediately following completion of the examination on the computer screen. 

  • You will also receive a printed score report marked “pass” or “fail” along with diagnostic information. 
  • Candidates may use the diagnostic report as a guide for studying before their next test administration.
  • After, your examination results are transmitted daily to the Ohio Department of Insurance.

Retaking the Licensing Exam 

There are unlimited retakes, but the Certificate of Completion is valid for 180 calendar days from the date of issuance, and the Certificate is required to take the final exam. 

How long is the exam? 

Exam SeriesLicense LineExam TimeTotal Questions
11-45OH Accident and Health Agent2 Hours100
11-47OH Casualty2 Hours100
11-44OH Life Agent2 Hours100
11-35OH Life, Accident and Health2.5 Hours150
11-43OH Personal Lines2 Hours100
11-36OH Property and Casualty Insurance Agent2.5 Hours150
11-46OH Property Insurance Agent2 Hours100
11-38OH Public Insurance Adjuster2 Hours100
11-42OH Surety Bail Bonds Agent2 Hours100
11-37OH Title2 Hours100

3. Get Fingerprinted

Ohio Revised Code 3905.051 requires all individuals applying for a resident insurance license issued by ODI to submit fingerprints for a criminal records check completed by the Ohio Bureau of Criminal Investigation and Identification (BCI) and the Federal Bureau of Investigations (FBI). Criminal background check results are valid for 1 year. Applicants applying for multiple license types that require a background check can utilize the same results so long as the original background check results are valid. The Superintendent of Insurance may refuse to issue an insurance license to an individual who is found to have committed any act that is grounds for the denial of a license. Such acts may include, but are not limited to: 

  • Providing incorrect, misleading, incomplete or materially untrue information on a license or application. 
  • Having been convicted of a felony.
  • Having been convicted of a misdemeanor related to the misuse and/or theft of money or property belonging to another, fraud, forgery, dishonest acts, and breach of fiduciary duty and/or crimes of moral turpitude. 
  • Any other criminal conviction. To complete a criminal background check, applicants must use National WebCheck, a web-based fingerprinting technology that processes background checks electronically. A list of WebCheck providers approved by ODI is located at  https://insurance.ohio.gov/wps/portal/gov/odi

4. Apply for an Ohio Insurance License

Once you have passed your state licensing exam, you are ready to apply for an insurance license.

You may complete and submit your license application electronically using the kiosk at the examination center or you may apply outside the examination center by going to https://insurance.ohio.gov/wps/portal/gov/odi and clicking on blue “Apply or Renew Agent License” button. 

You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

5. Plan to Complete Required Insurance Continuing Education (CE) Credits

Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. 

Learn how to renew an Ohio insurance license by clicking here.

Select a Line of Authority and Start Earning Your License Today:

Life & Health

This license qualifies you to explain, sell, and write life and health insurance products in Ohio.


Property & Casualty

This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in Ohio.

Personal Lines

This license qualifies you to sell a variety of insurance plans directly to consumers in Ohio.



This license qualifies you to investigate and adjust any claim in connection with an insurance policy in Ohio.