Each module is scored separately here so you know exactly where you stand. To pass the real Ohio exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Ohio licenses a combined Life, Accident & Health producer (the PSI Series 11-35 exam) - 150 questions, 2 hours 30 minutes, 70% to pass.
You need 70%. Practice each module to that level and run the full exam simulation before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Ohio Revised Code for the state-law questions, with the statute section cited in each explanation.
The full Ohio bank contains 1042 questions (general insurance plus Ohio law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
When an Ohio HIC plan restricts an enrollee's choice among a class of providers differently than another class, section 1751.51 requires the evidence of coverage to disclose this under a specific heading. That heading reads:
Why: Section 1751.51(A) requires a clear, concise, and complete statement of the restriction under a heading that reads 'Restrictions on Choice of Providers.'
A Medicare Part B late enrollment penalty generally:
Why: Delaying Part B without creditable coverage adds a lifetime surcharge (about 10% per 12 months of delay) to the premium.
Under Ohio law, who may apply to the superintendent of insurance for a certificate of authority to establish and operate a health insuring corporation?
Why: Section 1751.02(A) provides that any corporation, as defined in section 1751.01, may apply for a certificate of authority. A foreign corporation from a state without similar laws must form a domestic corporation.
A war exclusion in a life policy generally:
Why: A war exclusion excludes or limits payment for death resulting from war (and, in the broader 'status' form, death while in military service), often refunding premiums instead.
In a variable annuity, the assumed interest rate (AIR) is used to:
Why: The AIR is a benchmark: if separate-account performance exceeds the AIR, the next variable payment rises; if it lags, the payment falls.
Under Ohio's group life conversion provision, when the entire group policy terminates, an insured who had been covered for at least five years may convert to an individual policy in an amount not exceeding the lesser of the ceasing coverage or what dollar cap?
Why: Section 3917.06(I) limits the convertible amount on group-policy termination to the smaller of the ceasing coverage (reduced by replacement coverage) or TEN THOUSAND DOLLARS, available to persons insured at least five years before termination.
An insurer's special investigations unit reports a suspected fraudulent insurance act to the superintendent without malice. Under Ohio's immunity statute, what is the insurer's exposure for libel or slander?
Why: Section 3999.31(B) provides that, in the absence of fraud or bad faith, no civil liability arises against a person for providing or receiving information relating to suspected fraudulent insurance acts furnished to listed recipients such as the superintendent.
An agent who receives a copy of a termination notification may file written comments with the superintendent within what period?
Why: § 3905.21(C)(2) allows the agent to file written comments within thirty days after receiving the notification.
An insurer seeks to deny a claim based on a misstatement in the application. Under § 3923.14, which showing is required for the misstatement to bar recovery?
Why: Section 3923.14 requires clear proof of willful falsity, fraud, materiality to the risk, inducement, and that but for the false statement the policy would not have been issued.
In the application process, the producer often acts as the 'field underwriter,' meaning they:
Why: As field underwriter the producer collects accurate information and screens obvious risks before formal underwriting.
Modified whole life insurance is characterized by:
Why: Modified whole life charges a reduced premium for the first few years, then a higher level premium for the remainder of life.
Eligibility for Medicaid is based primarily on:
Why: Medicaid is a means-tested, joint federal-state program for low-income individuals; eligibility varies by state.
If an insured dies during the grace period with a premium still unpaid, the insurer:
Why: Coverage stays in force during the grace period; a death claim is paid, with the overdue premium deducted from the proceeds.
A client wants a guaranteed income they cannot outlive, accepting that payments stop at death with nothing to heirs. The option offering the highest payment is:
Why: Pure life pays the most because payments cease at death with no refund or survivor benefit; the other options pay less to protect a beneficiary.
A Medicare beneficiary delayed Part D for three years without other creditable drug coverage. The result is:
Why: Going without creditable coverage adds a permanent late-enrollment surcharge to the Part D premium.
A nonqualified deferred compensation plan is an arrangement in which an employer agrees to:
Why: Nonqualified deferred comp promises future pay to select executives; it avoids qualified-plan nondiscrimination rules but the employer's deduction is deferred until paid.
The federal Genetic Information Nondiscrimination Act (GINA) generally restricts the use of genetic information in:
Why: GINA limits how genetic information may be used in health coverage and employment, prohibiting discrimination based on genetic test results.
Increasing term insurance is characterized by a death benefit that:
Why: Increasing term's face amount grows over time (often used with return-of-premium or to track inflation); decreasing term does the opposite.
An applicant whose principal occupation is managing a household applies for disability income insurance and is turned down solely on that basis. Under § 3901.21, this constitutes:
Why: Section 3901.21(N) makes it an unfair act to refuse to make available disability income insurance solely because the applicant's principal occupation is that of managing a household.
The interest payable on life insurance proceeds under Ohio law is the greater of the federal short-term applicable rate for the month of death or:
Why: Section 3915.052(B) sets interest at the greater of the federal short-term rate or the current rate on proceeds left on deposit under the policy's interest settlement option.
An Ohio HIC plan covers dental care, vision care with lenses and frames, and chiropractic services. Under the statutory definitions, these benefits are categorized as which type of service?
Why: Section 1751.01(B) defines supplemental health care services to include dental, vision (lenses and frames), and chiropractic services, which an HIC may offer alone or in combination.
A juvenile policy has a payor benefit rider. The premium-paying parent dies while the child is 8. The rider:
Why: A payor rider waives premiums if the premium-paying adult dies or becomes disabled, keeping the child's coverage in force.
Under Ohio's criminal insurance fraud statute, what mental state must a person have to be guilty of insurance fraud when presenting a false statement to an insurer?
Why: Section 2913.47(B) provides that no person, with purpose to defraud or knowing that the person is facilitating a fraud, shall present a false or deceptive statement to an insurer.
For which group of lines does Ohio require the pre-application written examination under § 3905.04(B)?
Why: § 3905.04(B) requires the exam for the lines in § 3905.06(B)(1)-(5), title insurance, surety bail bonds, and any other line the superintendent designates.
In ERISA-governed plans, 'vesting' refers to an employee's:
Why: Vesting is the employee's nonforfeitable right to employer contributions, earned under the plan's vesting schedule.
Under the guaranty chapter, an 'insolvent insurer' is a member insurer that, after November 20, 1989, is placed under what kind of court order?
Why: Section 3956.01(H) defines an insolvent insurer as one placed under an order of liquidation by a court of competent jurisdiction with a finding of insolvency.
A producer tells a client false negative information about a competing insurer to win the sale. This is:
Why: Making false, maligning statements about another insurer is defamation, an unfair trade practice.
A flexible spending account (FSA) is characterized by which feature?
Why: An FSA is employer-established, funded with pre-tax salary deferrals, and is generally use-it-or-lose-it within the plan year (limited carryover/grace).
A fraternal benefit society provides insurance:
Why: Fraternal benefit societies are nonprofit membership organizations providing insurance to members under a lodge system.
Under Ohio's grace-period provision, if the insured dies during the month of grace, the policy may stipulate that the overdue premium:
Why: Section 3915.05(B) permits a stipulation that if the insured dies during the grace month, the overdue premium will be deducted from the settlement.