OH L&H
Ohio Life & Health Insurance License Exam
Ohio regulates Life & Health producer licensing through Ohio Department of Insurance, with the exam delivered by PSI. The combined Life & Health exam has 150 questions with a 2.5 hours time limit. Passing requires 70%. The exam fee is $49. Ohio requires 40 hours of approved prelicensing education before you may sit the exam. C3RT includes Life & Health practice content built specifically for Ohio, covering national concepts plus Ohio statute, producer duties, and ethics.
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OH L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Ohio Life & Health Insurance License Exam |
| Governing Body | Ohio Department of Insurance |
| Number of Questions | 150 |
| Time Limit | 2.5 hours |
| Passing Score | 70% |
| Exam Fee | $49 |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Ohio Department of Insurance official website ↗ |
OH L&H Content Areas and Domains
Domain areas are sourced from the Ohio Department of Insurance content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Ohio insurance law and regulations
How C3RT Helps You Pass the OH L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the OH L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real OH L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample OH L&H Practice Questions
Q1.Under Ohio law, which of the following types of policies is specifically excluded from the definition of a 'Medicare supplement policy'?
- Only policies that do not include a provision for dental and vision care.
- All individual policies that provide coverage for out-of-pocket medical expenses.
- Policies issued pursuant to a contract under section 1876 of the Social Security Act.Correct
- Any policy that provides supplemental coverage regardless of its underlying federal contract.
Ohio law explicitly excludes policies issued under section 1876 of the Social Security Act and specific demonstration projects from the definition of a Medicare supplement policy. The other options are incorrect because they either over-generalize or fail to identify the specific statutory exclusion.
Q2.Under Ohio law, which of the following types of policies is specifically excluded from the definition of a 'Medicare supplement policy'?
- A policy issued pursuant to a contract under section 1876 of the Social Security Act.Correct
- All policies that provide additional coverage for Medicare beneficiaries.
- Only individual policies that do not offer group benefits.
- Policies that only cover out-of-pocket costs for prescription drugs.
Ohio law explicitly excludes policies issued under section 1876 of the Social Security Act and specific demonstration projects from the definition. The other options are incorrect because they either overgeneralize Medicare coverage or incorrectly limit exclusions to individual policies only.
Q3.In the state of Ohio, what standard must an insurer meet regarding the relationship between premiums and benefits in a Medicare supplement policy?
- Benefits are fixed by federal law.
- Premiums must be set at a flat rate regardless of benefit value.
- No state oversight is permitted on loss ratios for Medicare plans.
- The insurer must return benefits that are reasonable in relation to the premium charged.Correct
Ohio law specifically requires that benefits provided by Medicare supplement policies remain reasonable relative to the premiums charged. The other options are incorrect because federal law does not fix specific benefit amounts and Ohio does maintain oversight on these ratios.
OH L&H Frequently Asked Questions
What does OH L&H stand for?
OH L&H stands for Ohio Life & Health Insurance License Exam. It is administered by Ohio Department of Insurance.
Who administers the OH L&H?
The Ohio Life & Health Insurance License Exam (OH L&H) is administered by Ohio Department of Insurance. For official information, visit the Ohio Department of Insurance website.
How many questions is the OH L&H?
The OH L&H consists of 150 questions. Candidates are given 2.5 hours to complete the exam.
What is the passing score for the OH L&H?
The passing score for the OH L&H is 70%, as set by Ohio Department of Insurance. Scoring methodology and passing standards may be updated periodically. Always verify current requirements with the governing body.
How much does the OH L&H exam cost?
The OH L&H exam fee is $49. This fee is set by Ohio Department of Insurance and may vary by testing centre, region, or membership status. Additional fees for registration or rescheduling may apply.
How many questions are on the Ohio Life & Health exam?
The Ohio combined Life & Health exam has 150 scored questions, a 2.5 hours time limit, a $49 exam fee. Passing requires 70%. It is delivered by PSI.
Does Ohio require prelicensing education for Life & Health?
Yes. Ohio requires 40 hours of approved prelicensing education before you may sit the Life & Health exam. C3RT is exam preparation only and does not satisfy this requirement; you must complete it through an Ohio-approved provider.
What score do I need to pass the Ohio Life & Health exam?
Ohio requires 70% on the Life & Health exam. Confirm the current standard with Ohio Department of Insurance, since passing standards can change.
Is the Life & Health exam different in Ohio than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Ohio tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Ohio Department of Insurance.
C3RT is a native iOS and macOS exam preparation platform covering the Ohio Life & Health Insurance License Exam (OH L&H), a Insurance Licensing certification, administered by Ohio Department of Insurance. C3RT is not affiliated with or endorsed by Ohio Department of Insurance. Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Ohio Department of Insurance official website ↗ .