How To Become An Insurance Agent In Ohio
Getting your insurance license is the first step to becoming an insurance agent in Ohio. Life insurance, car insurance, home insurance, or business insurance all require a license to sell in any state.
Follow our step-by-step guide to get your insurance license in Ohio.
How To Get Your Insurance License In Ohio
Step 1. Which Types of Insurance Licenses Do You Need?
Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get.
These are examples of the types of insurance policies you can sell with each type of license:
- Property & Casualty Insurance License – Car Insurance, Home Insurance, Business Insurance, etc…
- Life & Health Insurance License – Life Insurance, Annuities, Health Insurance, etc…
Most insurance agents choose to get both of these licenses, but if you will only sell one type of policy then you just need to choose which license fits your needs.
Step 2. 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.
For required insurance pre-license courses and exam prep, StateRequirement recommends:
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 Exams
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.
Note: 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.
You may register to take your exams and find more information on the PSI Ohio Insurance page.
Step 5. 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.
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 Licensing, What's Next?
Now that you have your license, use the StateRequirement Job Board to find the opening to your new career.
Ohio Department Of Insurance Contact Information
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]
Information on this page has been gathered by a multitude of sources and was most recently updated in March 2020.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. For more information, please contact your state's authority on insurance. Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.