How To Become An Insurance Agent In Ohio

Written by: Ethan Peyton

    Getting your Ohio insurance license is the first step to becoming an insurance agent in Ohio. Whether you’re interested in selling property and casualty insurance, life insurance, health insurance, or any combination of those lines of authority, this article has the information you need to get started.

    The Ohio Department of Insurance has a 6-step process to getting your insurance license. We’ll walk you through step-by-step; from the license application to insurance test prep, to the Ohio insurance exam, and beyond.

    This guide has everything you need to know to get your Ohio insurance license quickly and easily.

     

    How To Get Your Ohio Insurance License

    Getting your insurance license in Ohio is easy! Just follow our step-by-step guide. Be sure to bookmark this page so that you can visit it again throughout this process.

     

     

    Step 1. Which Insurance Licenses Do You Need?

    The first step to getting your insurance license is choosing which licenses you need. The most common licenses new insurance agents get are the property & casualty license (P&C)life and health insurance license (L&H).

    The types of insurance products and policies you’ll be selling will determine which licenses you need. Here are some examples of the types of policies you can market with each license:

     

    Most insurance agents and producers choose to get both P&C and L&H licenses, but if you plan on specializing in only one category then you don’t need every license.

    Insurance adjusters require a separate license. You can find more information on becoming an insurance adjuster here: Ohio Insurance Adjuster License

    Note:

    If you plan on specializing as a life insurance agent, then you may also need to hold a certain FINRA securities license.

     

    Step 2. Ohio Insurance Pre-License Education

    After you’ve determined which licenses you need, you must now take your Ohio insurance pre-license education courses.

    Most folks choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. The types of licenses you choose (also known as “lines of authority”) will determine which courses you take.

    Each line of authority in Ohio requires twenty (20) hours of pre-license education. This means that if you wish to get a Property and Casualty license, you must take forty (40) hours of pre-licensing, and for Life, Accident, and Health you must also take forty (40) hours.

    You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.

    Recommended Course

    For required insurance pre-license courses and exam prep, StateRequirement recommends: Kaplan Education Company

     

    Step 3. Fingerprinting and Background Check

    Ohio requires that all insurance license applicants provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. For more information on this topic, call the Ohio Department of Insurance at 614-644-2665 or email the License Department.

    The fee for having fingerprints taken can be up to $72.25, depending on where you have them done.

    When scheduling your fingerprinting appointment, be sure to tell them that you are using them to get your Ohio insurance license. This should let them know that they need to send the state and federal results directly to the Ohio Department of Insurance.

    Schedule your fingerprinting appointment through any of the vendors listed on the Ohio Attorney General Webcheck page.

     

    Step 4. Ohio Insurance License Exam

    The next step after completing all of your pre-license coursework is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. Life & Health (L&H) and Property & Casualty (P&C) lines are combined as one test each, so you wouldn’t take four tests, you would only take two altogether.

    This is a proctored test, which means that you will be in a controlled environment with a person watching you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

    The fee for each attempt of the exams is $42. When you show up you must have a photo ID and the original pre-license education certificate.

    The Ohio Life, Accident, and Health test is one hundred fifty (150) questions long, and you have two and a half hours (2:30) to complete it. PSI offers this Ohio Life, Accident, and Health Exam Content Outline.

    The Ohio Property and Casualty test is one hundred fifty (150) questions long, and you have two and a half hours (2:30) to complete it. PSI offers this Ohio Property and Casualty Exam Content Outline.

    Each exam requires a minimum of 70% correct answers to pass.

    Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.

    Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

    Tip:

    StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

    Check out our review of the Kaplan Insurance Course.

    You may register to take your exams and find more information on the PSI Ohio Insurance page.

     

    Step 5. Ohio Insurance License Application

    Once you have completed your exams and fingerprinting, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.

    The fee for an online application is $10 per line, plus a $5 NIPR fee.

    Fill out your online application on the NIPR Ohio Insurance page.

     

    Step 6. Application Review

    Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

    If everything is to acceptable standards your license should be issued within 7-10 business days. There are cases when the fingerprints returning will hold up the review time. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

    After your application has been approved, you will receive an email from the Department of Insurance regarding the issuance of your license.

     

    Congratulations!

    You’ve done the work, put in the time and effort, and now hold the key to your own success!  We’re proud of you. Take five (5) minutes and celebrate.




    After Getting Your Ohio Insurance License

    Once you’ve passed your exams and completed the licensing application, you are now a licensed insurance agent in Ohio. A common question we hear is, “I have my insurance license, now what?” Here are a few things you can do or need to know:




    Ohio Department Of Insurance Contact Information

    Mailing Address:

    Ohio Department of Insurance
    50 West Town Street
    Third Floor – Suite 300
    Columbus, Ohio 43215

    Phone: (614) 644-2665

    Fax: (614) 644-3475

    Email: [email protected]

    Website: https://www.insurance.ohio.gov

    License Search: Ohio Insurance License Search and Lookup

     

    Ohio Insurance License FAQ

    How long is the insurance license period in Ohio?

    Two years. Learn more here: Ohio Insurance License Renewal

     

    How long does it take to get an insurance license in Ohio?

    2-8 weeks. The bulk of the time is spent studying for your Ohio insurance exam. Some people study for as little as one week and feel comfortable taking the exam. We recommend you take whatever amount of time you need to feel comfortable with the material. Check out our guide: How to Pass the Insurance Exam

     

    How much does the Ohio insurance license cost?

    The total cost for your insurance course, application, and exam will be about $375. If you don’t pass the exam the first time, add $42 for each subsequent attempt.

     

    How do I get a life insurance license in Ohio?

    Follow the steps above. The licensing process is the same for all insurance agent and producer licenses.

     

    How do I get a property and casualty license in Ohio?

    Follow the steps above. The licensing process is the same for all insurance agent and producer licenses.




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    Information on this page has been gathered by a multitude of sources and was most recently updated in April 2021.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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