Are these insurance exam practice tests really free?

Yes! Our practice tests are 100% free with no registration required. You can take unlimited practice tests for Life, Health, and Property & Casualty insurance exams across all 50 US states.

How many questions are included in the practice tests?

We offer over 800 practice questions - 240 for Life, 240 for Health, and 330 for Property & Casualty - covering the major topics tested on insurance licensing exams, each with a detailed explanation.

Do I need to create an account to use the practice tests?

No account or registration is required. Simply choose your license type and state, then start practicing immediately. Your progress is saved locally in your browser.

Are the practice questions similar to the actual insurance exam?

Our questions are designed to mirror the format and difficulty of actual state insurance licensing exams. They cover the same topics and concepts tested on real exams.

Which states are covered by these practice tests?

We provide practice tests for all 50 US states plus the District of Columbia. Each state page includes exam information and links to that state's official insurance department.

An Ohio resident insured dies and the beneficiary elects in writing to take the death benefit in a lump sum. From what point must the insurer pay interest on the proceeds?

From the date of death of the insured

From the date the insurer receives due proof of death

From the thirty-first day after the claim is filed

From the date the beneficiary's election is received

A policyowner buys an Ohio life insurance policy in a replacement transaction. What right does Ohio's replacement rule give that owner after the contract is delivered?

A thirty-day right to return the contract for an unconditional refund of all premiums and any policy fees or charges

A ten-day right to return the policy for the cash value then accumulated

A twenty-day right to cancel with premiums refunded less an administrative charge

A sixty-day right to exchange the contract for a comparable policy from the same insurer

What standard of conduct does Ohio's annuity rule impose on a producer recommending an annuity to a consumer?

A best interest standard of conduct owed to the consumer

A caveat emptor standard requiring only accurate product disclosure

A full fiduciary standard identical to that of a registered investment adviser

A suitability-only standard limited to matching the product to stated financial objectives

To sell a variable universal life policy, a producer must generally hold:

Both a state life insurance license and a securities registration

A property and casualty license

Only a state life insurance license

Only a federal securities registration

Cash values in a variable life insurance policy are held in:

Separate accounts, where the policyowner bears the investment risk

A federally insured bank deposit

An escrow account managed by the state

The insurer's general account, with a guaranteed minimum rate

Which statement most accurately describes an indexed universal life policy?

Interest credited is linked to an external index, subject to features such as a floor, cap, or participation rate

The policyowner directly owns the shares in the chosen stock index

Cash value fluctuates daily with the separate account net asset value

Credited interest is guaranteed to equal the index return exactly

A married couple wants one policy that pays only after both of them have died, in order to provide funds for estate settlement costs. Which policy fits best?

Survivorship life, also called second-to-die

Joint life, also called first-to-die

An endowment policy is distinguished by the fact that it:

Pays the face amount if the insured survives to a stated maturity date, or at earlier death

Never accumulates any cash value

Can only be purchased by a corporation

Provides a benefit only if death results from an accident

In a typical credit life insurance arrangement, the beneficiary is:

The creditor, up to the amount of the outstanding debt

The borrower's surviving children

The borrower's estate in all cases

A modified premium whole life policy is structured so that premiums are:

Lower during the early policy years and higher in later years

Determined each year by the policyowner

Paid entirely in a single lump sum

Level for the entire premium-paying period

An insured converts a convertible term policy to permanent coverage. Which statement is correct?

No evidence of insurability is required, and the permanent premium reflects the conversion basis used

The new premium is always based on the insured's age when the term policy was first issued

The conversion may be denied if the insured's health has declined

The insured must submit to a new medical examination

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Ohio Life Insurance Practice Exam Free - 2026

Columbus, Cleveland, and Cincinnati anchor a major insurance employment market regulated by the Ohio Department of Insurance. Ohio's PSI exams are very passable with preparation - start with a free mock exam now. Access 252+ free Life Insurance questions with detailed explanations.

252+ Questions

Unlimited Practice

Ohio Specific

How the Ohio Life Insurance exam compares

The Ohio Life exam is 100 questions, 120 minutes, a 70% cut score. The examination fee is $49.

Ohio requires 20 hours of prelicensing education before you can take the exam.

Because a large share of the real exam is Ohio law, this practice bank includes 12 questions written specifically on Ohio statutes and regulations, each citing the provision it comes from.

Life Insurance questions reviewed by Michael Bennett — Life Insurance, 17 years' experience, Tampa, FL. Last updated July 29, 2026

Figures above are taken from Ohio Department of Insurance Agent Licensing Candidate Handbook (updated 3/20/2025) and were verified in July 2026. Requirements change - confirm current details with your state insurance department before you book.

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Ohio Life Exam Info

Vendor: PSI Services
Questions: 100 questions (plus ~10% unscored experimental items may be added)
Time limit: 120 minutes
Passing: 70% minimum passing score
Exam fee: $49 examination fee
Prelicensing: 20 hours per major line (40 for both)

Verified July 2026 from the Ohio Department of Insurance Agent Licensing Candidate Handbook (updated 3/20/2025). Always confirm with the current official candidate handbook.

Ohio Department of Insurance

More Ohio Tests

Study Tip

Spread practice across several days instead of one long session. Short, repeated sessions with explanations beat cramming for vocabulary-heavy insurance exams.

Ohio Life Insurance Exam Topics

Advanced Policy Types

Advanced Taxation (1035, MEC, Annuities)

Annuities

Annuity Payouts & Suitability

Beneficiaries & Settlements

Business Uses of Life Insurance

Ethics & Regulations

General Principles & Contract Law

Group Life Insurance

Life Insurance Basics

Life Settlements & Viaticals

Policy Dividends

Policy Provisions & Options

Policy Riders

Qualified & Retirement Plans

Social Security Benefits

Taxation of Life Insurance

Types of Life Policies

Underwriting & Risk

Universal Life Insurance

Whole Life Insurance

State Insurance Law

Free Ohio Life Practice Questions with Answers

12 sample questions from the 252-question Life bank behind the interactive tests. Expand a question to check the answer and the reasoning behind it.

Want to study offline? Download the free Life questions & answers PDF.

Frequently Asked Questions

Other Insurance Exams in Ohio

Prepare for multiple insurance licenses in Ohio

Health Insurance

Ohio Exam

Property & Casualty

Ohio Exam

Life Insurance Exams in Nearby States

Planning to get licensed in multiple states? Practice for neighboring state exams too.

Official Ohio Insurance Resources

Important external links for Ohio insurance licensing information

Ohio Department of Insurance

Official state regulator for insurance licensing, requirements, and exam information.

NAIC - National Association of Insurance Commissioners

The standard-setting and regulatory support organization for state insurance regulators.

Prometric Testing Services

Official testing provider for insurance licensing exams in many states.

PSI Services

Insurance licensing exam administration for select states.

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Ohio Life Insurance Practice Exam Free - 2026

How the Ohio Life Insurance exam compares

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Ohio Life Insurance Exam Topics

Free Ohio Life Practice Questions with Answers

Question 1: An Ohio resident insured dies and the beneficiary elects in writing to take the death benefit in a lump sum. From what point must the insurer pay interest on the proceeds?

Question 2: An Ohio insurer receives a completed life insurance application indicating that existing coverage will be replaced. Within what time must the replacing insurer notify the existing insurer?

Question 3: A policyowner buys an Ohio life insurance policy in a replacement transaction. What right does Ohio's replacement rule give that owner after the contract is delivered?

Question 4: What standard of conduct does Ohio's annuity rule impose on a producer recommending an annuity to a consumer?

Question 5: To sell a variable universal life policy, a producer must generally hold:

Question 6: Cash values in a variable life insurance policy are held in:

Question 7: Which statement most accurately describes an indexed universal life policy?

Question 8: A married couple wants one policy that pays only after both of them have died, in order to provide funds for estate settlement costs. Which policy fits best?

Question 9: An endowment policy is distinguished by the fact that it:

Question 10: In a typical credit life insurance arrangement, the beneficiary is:

Question 11: A modified premium whole life policy is structured so that premiums are:

Question 12: An insured converts a convertible term policy to permanent coverage. Which statement is correct?

Frequently Asked Questions

How many questions are on the Ohio Life Insurance exam?

Are these practice tests really free?

How accurate are these practice questions?

What score do I need to pass the Ohio insurance exam?

Can I take the practice test on my phone?

Other Insurance Exams in Ohio

Life Insurance Exams in Nearby States

Official Ohio Insurance Resources

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