The Ohio Department of Insurance requires its insurance professionals to hold an insurance license before engaging in insurance transactions.
Ohio offers several types of insurance licenses which include but are not limited to Property, Casualty, Personal, Life, Title and more. Visit the Ohio Department of insurance website for a complete listing of the available insurance licenses.
Insurance Pre-Licensing Education Requirements
All insurance licensing candidates, except candidates applying for the Public Insurance Adjuster or Title license, must take the necessary pre-licensing education classes. Public Insurance Adjusters and Title licenses do not have pre-licensing education requirements.
All other candidates must take classes that are given by state-approved education providers. Candidates have the option of sitting for 20 hours in a traditional classroom setting or taking an approved self-study course.
Ohio Pre-Licensing Education Waiver
If you hold a Chartered Property Casualty Underwriter (CPCU) designation, Chartered Life Underwriter (CLU) designation, or hold either an Associates or Bachelors degree in Insurance, you are eligible for the Pre-Licensing Education Waiver.
With an approved waiver, you can skip the education requirements and take the state licensing exam. The one caveat, however, is that candidates with an Associates or Bachelors in Insurance seeking a Surety Bail Bond license must satisfy the pre-licensing education requirement.
Scheduling the Ohio State Licensing Exam
Once you have successfully completed the courses and have received a Certificate of Course Completion, it’s time to schedule and take the state exam. The Certificate of Course Completion is valid for 180 days. In other words, you must take and pass the exam within 180 days of completing the course.
The Ohio Department of insurance uses Prometric to administer all of its insurance exams. You can visit their website and register online to take the exam. While you’re on their website take advantage of the free online study material. Download the Content Outline as a resource for studying for the state exam.
Completing the Insurance Agent Application
After passing the state exam you must complete the Uniform Resident Agent Application. You have the option of completing the application at the testing location right after taking the state or you can complete it at home by visiting the Ohio Department of Insurance website. They give you the option to complete it online or print it and mail it in.
As part of the application process, you must agree to a criminal background check. This entails getting fingerprinted using a company called WebCheck. You have to go to a WebCheck location (location listing is available on the Department of Insurance website). Once fingerprinted, make sure to instruct WebCheck to send the results directly to the Ohio Department of insurance.
Ohio Insurance License Issuance
The Ohio Department of Insurance will not issue your insurance license until after they have received the passing exam scores, your completed application and criminal background check. Keep in mind that the Department of Insurance will not accept a background check until after you pass the state exam. Therefore, it is important to schedule the background check immediately after passing the exam to expedite the process.
Once you receive the Ohio insurance license, it is valid for two years. Effective January 1, 2011, The Ohio Department of Insurance instituted biennial licensing terms. The license is in effect for two years and expires on the last day of your birth month.