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Ohio Life + Accident & Health Combined Prelicensing (40-Hour)

This 40-hour internet self-study prelicensing course is prepared for Ohio Department of Insurance (ODI) provider authorization under OAC 3901-5-06 and course approval under OAC 3901-5-07. Enrollment, payment, certificates, completion reporting, and any Ohio prelicensing-credit claim remain closed until written ODI provider authorization and course-specific written approval are on file.

Audience

Ohio Life + Accident & Health insurance license candidates

After OH DOI approval, this course is intended for Ohio resident producer candidates pursuing both the Life and Accident & Health major lines. Per OAC 3901-5-07(F) the provider issues two 20-hour completion certificates (one Life, one A&H) so students may sit standalone or combined PSI exams. Until written approval is posted, students who need credit must use a provider already authorized by ODI.

Certificates

No Ohio credit before written approval

Certificate templates, completion-reporting workflows, and ODI Gateway-style export controls are staged, but official certificates, completion reporting, and any Ohio prelicensing-credit claim stay disabled until written ODI provider authorization and course-specific written approval are received and the course is intentionally opened. ORC 3905.01 et seq. prohibits acting as an Ohio insurance agent without an active ODI-issued license.

40-hour Ohio DOI credit-hour package — 8 sequential lessons covering ORC Chapter 3905, 3911, 3915, 3917, 3923, 3924, and OAC 3901-5-13 best-interest annuity standards

Delivery follows the OAC 3901-5-07(F) internet self-study structure: sequential lessons with forced progression, active seat-time tracking on every lesson, identity verification, embedded knowledge checks, final-exam affidavit, and a randomized 100-question course final exam with 70% passing score per Ohio prelicensing standards. PSI Ohio Life and Health examinations are administered at PSI test centers (no remote-proctored option as of March 10, 2026).

1

Lesson 1: Lesson 1: Ohio DOI Authority, ORC Chapter 3905 Producer Licensing Framework (5 hrs)

2

Lesson 2: Lesson 2: Insurance Contracts, Risk, and Ohio-Specific Policy Structure (4 hrs)

3

Lesson 3: Lesson 3: Life Insurance — Needs, Types, Ownership, Underwriting (ORC Chapter 3915) (6 hrs)

4

Lesson 4: Lesson 4: Life Policy Provisions, Options, and Riders (ORC 3915) (5 hrs)

5

Lesson 5: Lesson 5: Annuities, Qualified Plans, Tax, and OAC 3901-5-13 Best-Interest (5.5 hrs)

6

Lesson 6: Lesson 6: Accident & Health — Basics, Disability, Individual Provisions (ORC Chapter 3923) (6 hrs)

7

Lesson 7: Lesson 7: Medical, Group, Government Plans, LTC, and Senior Coverage (7 hrs)

8

Lesson 8: Lesson 8: Ohio Law Review, Ethics, Marketing, Claims, Practice Exam Prep (4 hrs)

Review gates

What must happen before launch

The public page is intentionally approval-dependent. It documents readiness without suggesting that the course is already approved, open, or usable for an Ohio licensing requirement.

Qualified insurance subject-matter review of Ohio law cards, rationales, examples, and final exam alignment
ODI provider authorization under OAC 3901-5-06 ($100 provider + $200/course + $25/subject + $25/instructor = $350 minimum for one line)
Course-specific written ODI approval before checkout, enrollment, certificates, reporting, or credit claims
Planned post-approval tuition: $159.99 planned after OH DOI approval
Candidates must verify current PSI Ohio Candidate Information Bulletin parameters (question count, time limit, scoring rules) on test day; the current bulletin always controls
As of March 10, 2026, OH insurance exams are in-person only at a PSI test center; no remote-proctored option
Preferred support channel

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