An applicant pays the first premium with the application and gets a conditional receipt. She dies after the medical exam but before policy issue, and she was insurable. The insurer:

Denies the claim since no policy issued

To qualify for Ohio's state continuation of group health coverage, a terminated employee must have been insured for at least:

Three months before termination

A life policy has no 10-day unconditional refund provision and no illustration is used. Under Ohio rules, the buyer's guide and policy summary must be given:

Before taking the first premium

Free Ohio Life & Health Insurance Practice Exam 2026

150 questions checked against Ohio law and weighted like the state exam. Free to start, no account needed.

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The Ohio life and health insurance exam at a glance

Tigertest's Ohio practice has 150 questions with explanations: one full-length practice exam and 4 training sets, free to start with no account required.

Regulator: Ohio Department of Insurance (ODI), superintendent of insurance; life and accident and health are separate lines of authority (ORC 3905.06(B)(1), (2))
Vendor: PSI Services LLC, in-person at PSI test centers (remote proctored exams ended 3/13/2026)
Exams: Combined "Ohio Life, Accident and Health Insurance Agent", Series 11-35; separate Life (Series 11-44) and Accident and Health (Series 11-45) exams are also offered
Items and time: 150 questions, 2.5 hours
Unscored items: Up to about 10% experimental items (one to ten) may be added on top of the stated count; they count against time
Pass mark: Minimum passing score 70%
State vs general: Not separate parts. Ohio statutes and rules are cited inside every outline section (one integrated 150-item exam, one score)
Prelicensing: 20 hours per line; the combined exam needs both completion certificates; certificates valid 180 days
Retakes: No limit on attempts

Facts checked against official sources on 2026-10-18. Source-checked practice on the PSI Ohio life, accident and health outline (Series 11-35, March 2026). Not affiliated with the Ohio Department of Insurance or PSI; confirm rules in official Ohio Department of Insurance materials. Official source

How the Ohio practice works

Four sets with 150 source-checked questions for Ohio, general topics and Ohio law. Missed questions come back until you master them.

Set 1: Insurance Basics & Regulation

30 questions · 20% of the practice exam

Set 2: Life Insurance Policies & Provisions

36 questions · 24% of the practice exam

Set 3: Annuities, Taxation & Health Basics

34 questions · 23% of the practice exam

Set 4: Health Policy Provisions & Types

50 questions · 33% of the practice exam

Full-length practice exam: 150 questions, 70% to pass

Health Policy Types36
Insurance Regulation21
Annuities, Taxation & Retirement17
Health Insurance Basics17
Health Policy Provisions14
Life Insurance Basics13
Life Policy Provisions, Options & Riders13
Life Policy Types10
General Insurance Concepts9

Ohio life and health insurance exam sample questions and answers

6 of the 150 practice questions, one from each topic, with the answer explained.

1. A newly licensed Ohio life agent wants to sell fixed annuities. Before selling any annuity, the agent must complete:
- A.A FINRA securities exam
- B.A one-time four-credit course
- C.A yearly eight-credit course
- D.A 24-hour annuity course
Answer: B. OAC 3901-6-13(G)(2) requires a one-time annuity training course of at least four CE credits from an approved provider, and a new life licensee may not sell annuities until it is done. Securities registration is needed only for variable annuities.
2. An applicant pays the first premium with the application and gets a conditional receipt. She dies after the medical exam but before policy issue, and she was insurable. The insurer:
- A.Refunds the premium only
- B.Pays half the face amount
- C.Denies the claim since no policy issued
- D.Pays the death benefit
Answer: D. Under a conditional receipt, coverage begins on the later of the application or medical exam date if the applicant proves insurable as applied for, so the claim is paid. A binding receipt, by contrast, gives temporary coverage immediately for a limited period whether or not the applicant is later found insurable.
3. Under Ohio law, the organizations commonly called HMOs are licensed and regulated as:
- A.Health insuring corporations
- B.Mutual benefit associations
- C.Health care cooperatives
- D.Fraternal benefit societies
Answer: A. Ohio Revised Code Chapter 1751 regulates health insuring corporations, the Ohio term for HMO-type plans that combine financing and delivery of care through a provider network. The PSI outline lists them as health insuring corporations, formerly known as HMOs.
4. To qualify for Ohio's state continuation of group health coverage, a terminated employee must have been insured for at least:
- A.Six months before termination
- B.One year before termination
- C.Three months before termination
- D.One month before termination
Answer: C. ORC 3923.38(A)(2) defines an eligible employee as one continuously insured for the entire three months before termination, who did not quit or get fired for gross misconduct and is not eligible for Medicare or other group coverage.
5. An Ohio long-term care policy may not be canceled or nonrenewed because of the insured's:
- A.Written request
- B.Unpaid premium
- C.Age or declining health
- D.Fraud on the application
Answer: C. ORC 3923.44(B)(1) bars cancellation, nonrenewal or termination of a long-term care policy on the grounds of the insured's age or the deterioration of mental or physical health. Nonpayment, fraud and the insured's own request remain valid reasons.
6. A life policy has no 10-day unconditional refund provision and no illustration is used. Under Ohio rules, the buyer's guide and policy summary must be given:
- A.Before taking the first premium
- B.When the policy is delivered
- C.Within 30 days of policy issue
- D.Only if the applicant asks
Answer: A. OAC 3901-6-03(E)(1) makes the insurer give the buyer's guide and a policy summary before accepting the initial premium. Delivery with the policy is allowed only when the policy has an unconditional refund provision of at least ten days.

Ohio life and health insurance exam practice: common questions

How many questions are in the Ohio practice exam?

150. They make one full-length practice exam and 4 training sets by content area. Full-length practice exam: 150 questions, 101 general and 49 Ohio.

What score do I need on the Ohio practice exam?

The practice exam passes at 70 percent, the line Tigertest uses for Ohio. A practice score does not predict your result on the real exam, so use it to find the content areas to drill.

Does this cover Ohio law?

Yes. National questions were checked against Ohio law, and the Ohio-only questions cover the state's own statutes and rules. Source-checked practice on the PSI Ohio life, accident and health outline (Series 11-35, March 2026). Not affiliated with the Ohio Department of Insurance or PSI; confirm rules in official Ohio Department of Insurance materials.

Is the Ohio life and health insurance exam practice free?

It is free to start with no account. The full-length practice exam and every training set but the last are free; the final set, Health Policy Provisions & Types, is part of Tigertest Premium, a one-time purchase with no subscription that also covers every other exam on Tigertest.

I am testing in another state. What should I use?

Tigertest has 13 state versions of this exam. For any other state, use the national practice, which covers the general portion that is the same wherever you test.

Other states and the national practice

Practice only. Not affiliated with any state regulator, PSI, Pearson VUE or Prometric, and a practice score does not predict your exam result.

Ready for the Ohio life and health insurance exam?

Start for free. No account required. 150 questions checked against Ohio law.