How many questions are on the Ohio Life & Health Insurance exam?

The exam consists of 150 multiple-choice questions covering both national concepts and state-specific regulations.

What is the time limit for the OH-LH exam?

Candidates are given 2.5 hours to complete the 150-question exam.

What is the passing score for the Ohio Life & Health test?

Because life and health insurance licensure requirements vary by state, candidates must verify the exact passing score with their specific state's department of insurance. For the Ohio exam, the required passing score is 70% (105 out of 150), whereas other states (like California) require a 60% passing score for their equivalent exams.

How much does it cost to take the exam?

The registration fee for the Ohio Life & Health Insurance License Exam is $49.

Where can I take the Ohio insurance exam?

The exam is computer-based and can be taken in-person at PSI testing centers or online via remote proctoring.

How long should I study for this exam?

Most candidates will need approximately 45 to 50 hours of dedicated study time to confidently master both the national core and the Ohio-specific regulatory framework.

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OH-LH · Syllabus & Exam Outline 2026

Ohio Life & Health Insurance License Exam

Exam-aligned study paths covering the national Life & Health insurance core plus Ohio insurance law - Ohio Department of Insurance rules, licensing, and state-specific requirements - in retention-first 15-minute topics.

Start studying free see the outline ↓

Questions: 150
Time limit: 2.5 hours
Passing score: 70%
Cost: $49
Format: Multiple choice
Delivery: Computer-based (in-person at PSI testing centers or online via remote proctoring)
Prep time: ~48 hours

Exam overview

The Ohio Life & Health Insurance License Exam is a critical milestone for aspiring insurance professionals in the state. Regulated by the Ohio Department of Insurance (ODI) and administered by PSI, this comprehensive exam evaluates a candidate's mastery of both national insurance concepts and Ohio-specific regulations. Earning this dual line of authority requires a solid understanding of life insurance products, health and disability coverage, federal compliance laws, and the ethical standards expected of licensed producers. Our detailed syllabus breakdown demystifies the test by outlining exactly what you need to know, from policy provisions and riders to tax treatments and state codes. To help you master this extensive material, Only Ever maps every single domain to bite-sized, 15-minute study topics. This targeted approach allows you to focus your study time efficiently, ensuring you are fully prepared and confident on exam day.

Exam domains & weighting

Each domain's share of the exam — study deepest where the weight is highest. Open one for how to study it and its objectives.

How to study this domain

Focus on distinguishing the core mechanics of whole life, term life, and universal life policies. Be sure to understand the different payout options and accumulation phases of annuities.

Key objectives

Traditional Whole Life Products
Interest, Market-Sensitive, and Adjustable Life
Term Life Insurance
Annuities
Combination Plans and Variations

Study this domain

Readiness self-check

Tick off everything you can confidently explain. Anything left unchecked is your study list — tap “Review” to jump straight into that domain.

Readiness

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Types of Policies

Review

Can you explain the difference between ordinary whole life, universal life, and variable life insurance?
Are you able to distinguish between an immediate and deferred annuity, as well as their payout options?

Policy Riders, Provisions, Options, and Exclusions

Review

Can you list standard life policy provisions such as the free look, grace period, and incontestability clause?
Do you know the difference between a nonforfeiture option and a dividend option?

Completing the Application, Underwriting, and Delivering the Policy

Review

Can you define the elements of a legal contract (offer, acceptance, consideration, competent parties) in the context of insurance?

Retirement and Other Insurance Concepts

Review

Are you familiar with the tax treatment of individual life insurance premiums and death benefits?

Types of Accident & Health Policies

Review

Can you explain how a High Deductible Health Plan (HDHP) interacts with a Health Savings Account (HSA)?

Health Policy Provisions, Clauses, and Riders

Review

Are you able to identify the mandatory provisions required under the Uniform Individual Accident and Sickness Policy Provisions Law?

Social Insurance

Review

Can you detail the specific coverages provided under Medicare Parts A, B, C, and D?

Other Health Insurance Concepts

Review

Do you understand how the coordination of benefits provision prevents overinsurance in health coverage?

General Insurance Regulation

Review

Can you list the unfair trade practices prohibited by Ohio law, such as twisting, churning, and rebating?
Are you aware of the coverage limits and purpose of the Ohio Life & Health Insurance Guaranty Association?

Quick reference

Important Acronyms

Common abbreviations tested on the national core syllabus.

NAIC: National Association of Insurance CommissionersDrafts model laws that states adopt to regulate insurance.
HIPAA: Health Insurance Portability and Accountability ActGoverns privacy, point-of-sale disclosures, and federal health law.
HMO: Health Maintenance OrganizationA type of managed care medical expense insurance.
PPO: Preferred Provider OrganizationA health plan with a preferred network but allowing out-of-network care.
HDHP: High Deductible Health PlanOften paired with an HSA.
HSA: Health Savings AccountTax-advantaged savings account for medical expenses.
COBRA: Consolidated Omnibus Budget Reconciliation ActFederal law allowing continuation of group health coverage.
ERISA: Employee Retirement Income Security ActFederal law regulating employee benefit and retirement plans.

Contract Law Concepts

Foundational terms describing the nature of an insurance contract.

Adhesion Contract

A contract drafted by the insurer where the insured has no input; ambiguities are usually resolved in favor of the insured.

Aleatory Contract

A contract featuring an unequal exchange of value based on an uncertain event.

Unilateral Contract

A contract in which only one party (the insurer) makes a legally enforceable promise.

Conditional Contract

A contract that requires certain conditions to be met by the policyowner to enforce the contract.

Frequently asked questions

Good to know

The exam features a nationally uniform core (NAIC model) combined with state-specific 'Insurance Laws and Regulations' layered as deltas.
Federal regulations such as GLBA, FCRA, HIPAA privacy, and the USA PATRIOT Act are tested as part of the general insurance regulatory framework.

Reading isn’t remembering.

Ohio Life & Health prep blends nationally-uniform insurance concepts with Ohio-specific law, and most materials muddle the two.

Only Ever teaches the shared national Life & Health core once, then layers Ohio insurance law - regulation, licensing, unfair practices, guaranty protection, and state-specific rules - as focused 15-minute topics.

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