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Ohio Life Insurance — License Examination Requirements

US-OH · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Limited lines insurance agent license — credit insurance

Limited credit authority includes credit life and mortgage life insurance; its other legally inseparable credit coverages remain within the same official line.

Licensing authority: Ohio Department of Insurance, Superintendent of Insurance · Application information

Business conversion from resident to nonresident
No examination is required for this applicant pathway.
Application
No fee or license application is required; the existing renewal date remains unchanged.
Change of home state
Report the change within 30 days and provide certification from the new home state.
Good standing
Licensee must be in good standing with the superintendent.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).

Official no-examination sources

Effective from 2026-09-22.

Individual reactivation after clearance letter surrender
No examination is required for this applicant pathway.
Continuation
CE requirements and the original renewal date continue as if no clearance had been requested.
Deadline
Request reactivation within 90 days after the effective surrender by clearance-letter request.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Residency
Applicant did not obtain a resident license in another state.

Official no-examination sources

Effective from 2026-09-22.

Individual conversion from resident to nonresident
No examination is required for this applicant pathway.
Application
No fee or license application is required; the existing renewal date remains unchanged.
Change of home state
Report the change within 30 days and provide certification from the new home state.
Good standing
Licensee must be in good standing with the superintendent.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited credit authority — additional authority
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Applicability
Requested limited line is not licensed in the home state; apply resident requirements for the requested line.
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Exemption
Resident requirements for this limited line impose no licensing examination.
Home license
Maintain active resident licensure in the home state under OAC 3901-5-09(F)(10).
Insurer training
The insurer must provide instruction before appointment to agents whose duties include selling, soliciting or negotiating limited credit insurance (ORC 3905.201).
Scope
Authority is the limited line and not the full life line.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident business limited credit authority
No examination is required for this applicant pathway.
Application
Submit a completed business entity application, applicable fees and any requested documents.
Designated agent
Maintain an individual insurance agent licensed for the applicable authority who is responsible for the entity's compliance with Ohio insurance law.
Exemption
No prelicensing education, licensing examination or continuing education is required for the limited line under OAC 3901-5-09(F)(3).
Home license
Hold a current resident license in good standing in the home state for the same line requested in Ohio.
Insurer training
The insurer must provide instruction before appointment to agents whose duties include selling, soliciting or negotiating limited credit insurance (ORC 3905.201).
Reciprocity
The home state must award nonresident agent licenses to Ohio residents on the same basis.
Scope
Authority is the limited line and not the full life line.
Suitability
No act constituting grounds for denial, suspension or revocation; applicant must be otherwise suitable to be licensed.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business licensure after disciplinary modification
No examination is required for this applicant pathway.
Administrative order
Applicant seeks modification of denial, suspension, revocation or surrender for cause under ORC 3905.14; the statutory exception excludes denial for a disqualifying offense under ORC 9.79.
Burden
Applicant bears the burden; superintendent exercises discretion.
Elapsed time
At least five years since the administrative action and two years since a previous modification request.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
New license
Issuance is conditioned on successful completion of all applicable prelicensing education and examination requirements under ORC 3905.15(C).
Rehabilitation
Show good business repute and suitability, restitution for pecuniary losses, no subsequent prohibited conviction unless already addressed, circumstances unlikely to recur, and rehabilitated character.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business late renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
Submit before the first day of the second month after the renewal date, with a $50 late fee in addition to applicable renewal fees.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business new license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Application
Submit a completed business entity application, applicable fees and any requested documents.
Designated agent
Maintain an individual insurance agent licensed for the applicable authority who is responsible for the entity's compliance with Ohio insurance law.
Eligibility
Applicant must remain eligible and suitable; any disciplinary impediment must have been resolved by the superintendent.
Home license
Hold a current resident license in good standing in the home state for the same line requested in Ohio.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Previous license
Ohio authority surrendered, revoked or canceled; applicant applies for a new agent license and satisfies its current requirements under ORC 3905.16(B)(2).
Reciprocity
The home state must award nonresident agent licenses to Ohio residents on the same basis.
Suitability
No act constituting grounds for denial, suspension or revocation; applicant must be otherwise suitable to be licensed.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business reinstatement
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
License suspended for nonrenewal may be reinstated within 12 months after the original renewal due date; satisfy applicable renewal/CE conditions and pay the $100 reinstatement fee in addition to renewal fees.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual limited credit authority
No examination is required for this applicant pathway.
Application
Submit the home-state application or applicable uniform application, fees and any documents requested by the superintendent.
Exemption
No prelicensing education, licensing examination or continuing education is required for the limited line under OAC 3901-5-09(F)(3).
Home license
Hold a current resident license in good standing in the home state for the same line requested in Ohio.
Insurer training
The insurer must provide instruction before appointment to agents whose duties include selling, soliciting or negotiating limited credit insurance (ORC 3905.201).
Reciprocity
The home state must award nonresident agent licenses to Ohio residents on the same basis.
Scope
Authority is the limited line and not the full life line.
Suitability
Be honest, trustworthy and otherwise suitable; no act constituting grounds for denial, suspension or revocation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual licensure after disciplinary modification
No examination is required for this applicant pathway.
Administrative order
Applicant seeks modification of denial, suspension, revocation or surrender for cause under ORC 3905.14; the statutory exception excludes denial for a disqualifying offense under ORC 9.79.
Burden
Applicant bears the burden; superintendent exercises discretion.
Elapsed time
At least five years since the administrative action and two years since a previous modification request.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
New license
Issuance is conditioned on successful completion of all applicable prelicensing education and examination requirements under ORC 3905.15(C).
Rehabilitation
Show good business repute and suitability, restitution for pecuniary losses, no subsequent prohibited conviction unless already addressed, circumstances unlikely to recur, and rehabilitated character.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual late renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
Submit before the first day of the second month after the renewal date, with a $50 late fee in addition to applicable renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual new license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Application
Submit the home-state application or applicable uniform application, fees and any documents requested by the superintendent.
Eligibility
Applicant must remain eligible and suitable; any disciplinary impediment must have been resolved by the superintendent.
Home license
Hold a current resident license in good standing in the home state for the same line requested in Ohio.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Previous license
Ohio authority surrendered, revoked or canceled; applicant applies for a new agent license and satisfies its current requirements under ORC 3905.16(B)(2).
Reciprocity
The home state must award nonresident agent licenses to Ohio residents on the same basis.
Suitability
Be honest, trustworthy and otherwise suitable; no act constituting grounds for denial, suspension or revocation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual reinstatement
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
License suspended for nonrenewal may be reinstated within 12 months after the original renewal due date; satisfy applicable renewal/CE conditions and pay the $100 reinstatement fee in addition to renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited credit authority — nonreciprocal
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Applicability
Apply resident limited-line requirements because the home state does not reciprocate.
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Exemption
Resident requirements for this limited line impose no licensing examination.
Home license
Maintain active resident licensure in the home state under OAC 3901-5-09(F)(10).
Insurer training
The insurer must provide instruction before appointment to agents whose duties include selling, soliciting or negotiating limited credit insurance (ORC 3905.201).
Scope
Authority is the limited line and not the full life line.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual renewal extension
No examination is required for this applicant pathway.
Circumstances
Licensee cannot both comply with renewal procedures and engage in insurance business due to military service, long-term medical disability or another extenuating circumstance.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Request
Submit a written request with supporting documentation. The superintendent may decline a request made after renewal was due; granting an extension is discretionary.

Official no-examination sources

Effective from 2026-09-22.

Resident business limited credit authority
No examination is required for this applicant pathway.
Application
Submit a completed business entity application, applicable fees and any requested documents.
Designated agent
Maintain an individual insurance agent licensed for the applicable authority who is responsible for the entity's compliance with Ohio insurance law.
Exemption
No prelicensing education, licensing examination or continuing education is required for the limited line under OAC 3901-5-09(F)(3).
Insurer training
The insurer must provide instruction before appointment to agents whose duties include selling, soliciting or negotiating limited credit insurance (ORC 3905.201).
Residency
Ohio home state for an individual, or Ohio domicile/principal place of business for an entity.
Scope
Authority is the limited line and not the full life line.
Suitability
No act constituting grounds for denial, suspension or revocation; applicant must be otherwise suitable to be licensed.

Official no-examination sources

Effective from 2026-09-22.

Resident business licensure after disciplinary modification
No examination is required for this applicant pathway.
Administrative order
Applicant seeks modification of denial, suspension, revocation or surrender for cause under ORC 3905.14; the statutory exception excludes denial for a disqualifying offense under ORC 9.79.
Burden
Applicant bears the burden; superintendent exercises discretion.
Elapsed time
At least five years since the administrative action and two years since a previous modification request.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
New license
Issuance is conditioned on successful completion of all applicable prelicensing education and examination requirements under ORC 3905.15(C).
Rehabilitation
Show good business repute and suitability, restitution for pecuniary losses, no subsequent prohibited conviction unless already addressed, circumstances unlikely to recur, and rehabilitated character.

Official no-examination sources

Effective from 2026-09-22.

Resident business late renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
Submit before the first day of the second month after the renewal date, with a $50 late fee in addition to applicable renewal fees.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident business new license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Application
Submit a completed business entity application, applicable fees and any requested documents.
Designated agent
Maintain an individual insurance agent licensed for the applicable authority who is responsible for the entity's compliance with Ohio insurance law.
Eligibility
Applicant must remain eligible and suitable; any disciplinary impediment must have been resolved by the superintendent.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Previous license
Ohio authority surrendered, revoked or canceled; applicant applies for a new agent license and satisfies its current requirements under ORC 3905.16(B)(2).
Suitability
No act constituting grounds for denial, suspension or revocation; applicant must be otherwise suitable to be licensed.

Official no-examination sources

Effective from 2026-09-22.

Resident business reinstatement
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
License suspended for nonrenewal may be reinstated within 12 months after the original renewal due date; satisfy applicable renewal/CE conditions and pay the $100 reinstatement fee in addition to renewal fees.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident business renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual limited credit authority
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Exemption
No prelicensing education, licensing examination or continuing education is required for the limited line under OAC 3901-5-09(F)(3).
Insurer training
The insurer must provide instruction before appointment to agents whose duties include selling, soliciting or negotiating limited credit insurance (ORC 3905.201).
Residency
Ohio home state for an individual, or Ohio domicile/principal place of business for an entity.
Scope
Authority is the limited line and not the full life line.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensure after disciplinary modification
No examination is required for this applicant pathway.
Administrative order
Applicant seeks modification of denial, suspension, revocation or surrender for cause under ORC 3905.14; the statutory exception excludes denial for a disqualifying offense under ORC 9.79.
Burden
Applicant bears the burden; superintendent exercises discretion.
Elapsed time
At least five years since the administrative action and two years since a previous modification request.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
New license
Issuance is conditioned on successful completion of all applicable prelicensing education and examination requirements under ORC 3905.15(C).
Rehabilitation
Show good business repute and suitability, restitution for pecuniary losses, no subsequent prohibited conviction unless already addressed, circumstances unlikely to recur, and rehabilitated character.

Official no-examination sources

Effective from 2026-09-22.

Resident individual late renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
Submit before the first day of the second month after the renewal date, with a $50 late fee in addition to applicable renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual new license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Eligibility
Applicant must remain eligible and suitable; any disciplinary impediment must have been resolved by the superintendent.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Previous license
Ohio authority surrendered, revoked or canceled; applicant applies for a new agent license and satisfies its current requirements under ORC 3905.16(B)(2).
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Resident individual reinstatement
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
License suspended for nonrenewal may be reinstated within 12 months after the original renewal due date; satisfy applicable renewal/CE conditions and pay the $100 reinstatement fee in addition to renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual renewal extension
No examination is required for this applicant pathway.
Circumstances
Licensee cannot both comply with renewal procedures and engage in insurance business due to military service, long-term medical disability or another extenuating circumstance.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Request
Submit a written request with supporting documentation. The superintendent may decline a request made after renewal was due; granting an extension is discretionary.

Official no-examination sources

Effective from 2026-09-22.

Resident individual limited credit authority transfer — current
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Application window
Apply within 90 days after establishing residence or principal business in Ohio.
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Exemption
ORC 3905.041(A) and OAC 3901-5-09(F)(3) waive Ohio insurance examination and prelicensing education.
Insurer training
The insurer must provide instruction before appointment to agents whose duties include selling, soliciting or negotiating limited credit insurance (ORC 3905.201).
Prior license
Current out-of-state license in good standing for the requested limited authority.
Scope
Authority is the limited line and not the full life line.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Resident individual limited credit authority transfer — previous
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Application window
Apply within 90 days after establishing residence or principal business in Ohio.
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Exemption
ORC 3905.041(A) and OAC 3901-5-09(F)(3) waive Ohio insurance examination and prelicensing education.
Insurer training
The insurer must provide instruction before appointment to agents whose duties include selling, soliciting or negotiating limited credit insurance (ORC 3905.201).
Prior license
Previous out-of-state license for the authority canceled within 90 days before application, in good standing at cancellation.
Scope
Authority is the limited line and not the full life line.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Limited lines insurance agent license — funeral expense insurance

Limited funeral expense authority requires the agent also to be an Ohio licensed funeral director.

Licensing authority: Ohio Department of Insurance, Superintendent of Insurance · Application information

Individual reactivation after clearance letter surrender
No examination is required for this applicant pathway.
Continuation
CE requirements and the original renewal date continue as if no clearance had been requested.
Deadline
Request reactivation within 90 days after the effective surrender by clearance-letter request.
Funeral director
Maintain the qualifying Ohio funeral director license.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Residency
Applicant did not obtain a resident license in another state.

Official no-examination sources

Effective from 2026-09-22.

Individual conversion from resident to nonresident
No examination is required for this applicant pathway.
Application
No fee or license application is required; the existing renewal date remains unchanged.
Change of home state
Report the change within 30 days and provide certification from the new home state.
Funeral director
Maintain the qualifying Ohio funeral director license.
Good standing
Licensee must be in good standing with the superintendent.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited funeral authority — additional authority
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Applicability
Requested limited line is not licensed in the home state; apply resident requirements for the requested line.
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Exemption
Resident requirements for this limited line impose no licensing examination.
Funeral director
The agent must also be a licensed funeral director in Ohio; sales must comply with ORC 3905.45 and 3905.451.
Home license
Maintain active resident licensure in the home state under OAC 3901-5-09(F)(10).
Scope
Authority is the limited line and not the full life line.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual limited funeral authority
No examination is required for this applicant pathway.
Application
Submit the home-state application or applicable uniform application, fees and any documents requested by the superintendent.
Exemption
No prelicensing education, licensing examination or continuing education is required for the limited line under OAC 3901-5-09(F)(3).
Funeral director
The agent must also be a licensed funeral director in Ohio; sales must comply with ORC 3905.45 and 3905.451.
Home license
Hold a current resident license in good standing in the home state for the same line requested in Ohio.
Reciprocity
The home state must award nonresident agent licenses to Ohio residents on the same basis.
Scope
Authority is the limited line and not the full life line.
Suitability
Be honest, trustworthy and otherwise suitable; no act constituting grounds for denial, suspension or revocation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual licensure after disciplinary modification
No examination is required for this applicant pathway.
Administrative order
Applicant seeks modification of denial, suspension, revocation or surrender for cause under ORC 3905.14; the statutory exception excludes denial for a disqualifying offense under ORC 9.79.
Burden
Applicant bears the burden; superintendent exercises discretion.
Elapsed time
At least five years since the administrative action and two years since a previous modification request.
Funeral director
Maintain the qualifying Ohio funeral director license.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
New license
Issuance is conditioned on successful completion of all applicable prelicensing education and examination requirements under ORC 3905.15(C).
Rehabilitation
Show good business repute and suitability, restitution for pecuniary losses, no subsequent prohibited conviction unless already addressed, circumstances unlikely to recur, and rehabilitated character.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual late renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
Submit before the first day of the second month after the renewal date, with a $50 late fee in addition to applicable renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Funeral director
Maintain the qualifying Ohio funeral director license.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual new license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Application
Submit the home-state application or applicable uniform application, fees and any documents requested by the superintendent.
Eligibility
Applicant must remain eligible and suitable; any disciplinary impediment must have been resolved by the superintendent.
Funeral director
Maintain the qualifying Ohio funeral director license.
Home license
Hold a current resident license in good standing in the home state for the same line requested in Ohio.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Previous license
Ohio authority surrendered, revoked or canceled; applicant applies for a new agent license and satisfies its current requirements under ORC 3905.16(B)(2).
Reciprocity
The home state must award nonresident agent licenses to Ohio residents on the same basis.
Suitability
Be honest, trustworthy and otherwise suitable; no act constituting grounds for denial, suspension or revocation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual reinstatement
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
License suspended for nonrenewal may be reinstated within 12 months after the original renewal due date; satisfy applicable renewal/CE conditions and pay the $100 reinstatement fee in addition to renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Funeral director
Maintain the qualifying Ohio funeral director license.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Funeral director
Maintain the qualifying Ohio funeral director license.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited funeral authority — nonreciprocal
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Applicability
Apply resident limited-line requirements because the home state does not reciprocate.
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Exemption
Resident requirements for this limited line impose no licensing examination.
Funeral director
The agent must also be a licensed funeral director in Ohio; sales must comply with ORC 3905.45 and 3905.451.
Home license
Maintain active resident licensure in the home state under OAC 3901-5-09(F)(10).
Scope
Authority is the limited line and not the full life line.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual renewal extension
No examination is required for this applicant pathway.
Circumstances
Licensee cannot both comply with renewal procedures and engage in insurance business due to military service, long-term medical disability or another extenuating circumstance.
Funeral director
Maintain the qualifying Ohio funeral director license.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Request
Submit a written request with supporting documentation. The superintendent may decline a request made after renewal was due; granting an extension is discretionary.

Official no-examination sources

Effective from 2026-09-22.

Resident individual limited funeral authority
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Exemption
No prelicensing education, licensing examination or continuing education is required for the limited line under OAC 3901-5-09(F)(3).
Funeral director
The agent must also be a licensed funeral director in Ohio; sales must comply with ORC 3905.45 and 3905.451.
Residency
Ohio home state for an individual, or Ohio domicile/principal place of business for an entity.
Scope
Authority is the limited line and not the full life line.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensure after disciplinary modification
No examination is required for this applicant pathway.
Administrative order
Applicant seeks modification of denial, suspension, revocation or surrender for cause under ORC 3905.14; the statutory exception excludes denial for a disqualifying offense under ORC 9.79.
Burden
Applicant bears the burden; superintendent exercises discretion.
Elapsed time
At least five years since the administrative action and two years since a previous modification request.
Funeral director
Maintain the qualifying Ohio funeral director license.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
New license
Issuance is conditioned on successful completion of all applicable prelicensing education and examination requirements under ORC 3905.15(C).
Rehabilitation
Show good business repute and suitability, restitution for pecuniary losses, no subsequent prohibited conviction unless already addressed, circumstances unlikely to recur, and rehabilitated character.

Official no-examination sources

Effective from 2026-09-22.

Resident individual late renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
Submit before the first day of the second month after the renewal date, with a $50 late fee in addition to applicable renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Funeral director
Maintain the qualifying Ohio funeral director license.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual new license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Eligibility
Applicant must remain eligible and suitable; any disciplinary impediment must have been resolved by the superintendent.
Funeral director
Maintain the qualifying Ohio funeral director license.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Previous license
Ohio authority surrendered, revoked or canceled; applicant applies for a new agent license and satisfies its current requirements under ORC 3905.16(B)(2).
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Resident individual reinstatement
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
License suspended for nonrenewal may be reinstated within 12 months after the original renewal due date; satisfy applicable renewal/CE conditions and pay the $100 reinstatement fee in addition to renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Funeral director
Maintain the qualifying Ohio funeral director license.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
No CE is required when the agent holds only limited lines under OAC 3901-5-01(D)(2).
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Funeral director
Maintain the qualifying Ohio funeral director license.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual renewal extension
No examination is required for this applicant pathway.
Circumstances
Licensee cannot both comply with renewal procedures and engage in insurance business due to military service, long-term medical disability or another extenuating circumstance.
Funeral director
Maintain the qualifying Ohio funeral director license.
Limited line exemption
No licensing examination or prelicensing education for this limited line under OAC 3901-5-09(F)(3).
Request
Submit a written request with supporting documentation. The superintendent may decline a request made after renewal was due; granting an extension is discretionary.

Official no-examination sources

Effective from 2026-09-22.

Resident individual limited funeral authority transfer — current
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Application window
Apply within 90 days after establishing residence or principal business in Ohio.
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Exemption
ORC 3905.041(A) and OAC 3901-5-09(F)(3) waive Ohio insurance examination and prelicensing education.
Funeral director
The agent must also be a licensed funeral director in Ohio; sales must comply with ORC 3905.45 and 3905.451.
Prior license
Current out-of-state license in good standing for the requested limited authority.
Scope
Authority is the limited line and not the full life line.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Resident individual limited funeral authority transfer — previous
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Application window
Apply within 90 days after establishing residence or principal business in Ohio.
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Exemption
ORC 3905.041(A) and OAC 3901-5-09(F)(3) waive Ohio insurance examination and prelicensing education.
Funeral director
The agent must also be a licensed funeral director in Ohio; sales must comply with ORC 3905.45 and 3905.451.
Prior license
Previous out-of-state license for the authority canceled within 90 days before application, in good standing at cancellation.
Scope
Authority is the limited line and not the full life line.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Temporary insurance agent license — life insurance business

Temporary authority services the existing life insurance business specified in the superintendent's order; it is subject to the statutory duration, sponsor and public-protection restrictions.

Licensing authority: Ohio Department of Insurance, Superintendent of Insurance · Application information

Temporary license — death or disability
No examination is required for this applicant pathway.
Board determination
Superintendent must determine the temporary license is necessary to service the existing life insurance business.
Duration
No more than 180 days; authority cannot continue after the owner or personal representative disposes of the business.
Eligibility
Surviving spouse or court-appointed personal representative of a licensed agent who dies or becomes mentally or physically disabled; servicing permits sale, recovery/return or training and licensing replacement staff.
Exemption
Temporary individual applicants need no prelicensing education or written examination under ORC 3905.041(B).
Restrictions
Superintendent may limit, rescind, or impose additional public-protection requirements on the temporary authority.
Sponsor
A licensed insurance agent or insurer must sponsor the licensee and is responsible for the licensee's acts (ORC 3905.09(D)).

Official no-examination sources

Effective from 2026-09-22.

Temporary license — entity key agent
No examination is required for this applicant pathway.
Board determination
Superintendent must determine the temporary license is necessary to service the existing life insurance business.
Duration
No more than 180 days; authority cannot continue after the owner or personal representative disposes of the business.
Eligibility
Member or employee of a licensed agency upon death or disability of its sole or remaining licensed individual agent.
Exemption
Temporary individual applicants need no prelicensing education or written examination under ORC 3905.041(B).
Restrictions
Superintendent may limit, rescind, or impose additional public-protection requirements on the temporary authority.
Sponsor
A licensed insurance agent or insurer must sponsor the licensee and is responsible for the licensee's acts (ORC 3905.09(D)).

Official no-examination sources

Effective from 2026-09-22.

Temporary license — military designee
No examination is required for this applicant pathway.
Board determination
Superintendent must determine the temporary license is necessary to service the existing life insurance business.
Duration
No more than 180 days; authority cannot continue after the owner or personal representative disposes of the business.
Eligibility
Designee of a licensed insurance agent entering active United States armed forces service.
Exemption
Temporary individual applicants need no prelicensing education or written examination under ORC 3905.041(B).
Restrictions
Superintendent may limit, rescind, or impose additional public-protection requirements on the temporary authority.
Sponsor
A licensed insurance agent or insurer must sponsor the licensee and is responsible for the licensee's acts (ORC 3905.09(D)).

Official no-examination sources

Effective from 2026-09-22.

Temporary license — public interest
No examination is required for this applicant pathway.
Board determination
Superintendent must determine the temporary license is necessary to service the existing life insurance business.
Duration
No more than 180 days; authority cannot continue after the owner or personal representative disposes of the business.
Eligibility
Other person for whom the superintendent determines issuance will best serve the public interest.
Exemption
Temporary individual applicants need no prelicensing education or written examination under ORC 3905.041(B).
Restrictions
Superintendent may limit, rescind, or impose additional public-protection requirements on the temporary authority.
Sponsor
A licensed insurance agent or insurer must sponsor the licensee and is responsible for the licensee's acts (ORC 3905.09(D)).

Official no-examination sources

Effective from 2026-09-22.

Insurance agent license — variable life and variable annuity products

Variable life and variable annuity is its own line under ORC 3905.06(B)(6). Securities representative qualifications are applicant conditions; they are examinations of another profession, not Ohio insurance examination leaves.

Licensing authority: Ohio Department of Insurance, Superintendent of Insurance · Application information

Business conversion from resident to nonresident
No examination is required for this applicant pathway.
Application
No fee or license application is required; the existing renewal date remains unchanged.
Change of home state
Report the change within 30 days and provide certification from the new home state.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Good standing
Licensee must be in good standing with the superintendent.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Individual reactivation after clearance letter surrender
No examination is required for this applicant pathway.
Continuation
CE requirements and the original renewal date continue as if no clearance had been requested.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Deadline
Request reactivation within 90 days after the effective surrender by clearance-letter request.
Residency
Applicant did not obtain a resident license in another state.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Resident individual grant of inactive status
No examination is required for this applicant pathway.
Applicant
Natural person holding active Ohio resident major-line authority, in good standing and compliant with CE.
Business activity
Not employed or engaged in any capacity requiring active agent licensure and not participating or assisting in such activity, other than permitted clerical/ministerial acts.
Effect
No licensed insurance activity during inactivity; appointments automatically cancel, notify appointing insurers within 10 days, and CE exemption applies while inactive.
Request
Submit prescribed form and requested information before expiration, with attestation of eligibility.

Official no-examination sources

Effective from 2026-09-22.

Individual conversion from resident to nonresident
No examination is required for this applicant pathway.
Application
No fee or license application is required; the existing renewal date remains unchanged.
Change of home state
Report the change within 30 days and provide certification from the new home state.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Good standing
Licensee must be in good standing with the superintendent.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Nonresident variable authority — additional authority
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Applicability
Apply Ohio resident requirements to variable authority not licensed in the home state. Maintain active resident agent licensure in the home state.
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity variable authority by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or applicable uniform application, fees and any documents requested by the superintendent.
Designated agent
Maintain an individual insurance agent licensed for the applicable authority who is responsible for the entity's compliance with Ohio insurance law.
Home license
Hold a current resident license in good standing in the home state for the same line requested in Ohio.
Reciprocity
The home state must award nonresident agent licenses to Ohio residents on the same basis.
Suitability
Be honest, trustworthy and otherwise suitable; no act constituting grounds for denial, suspension or revocation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business licensure after disciplinary modification
No examination is required for this applicant pathway.
Administrative order
Applicant seeks modification of denial, suspension, revocation or surrender for cause under ORC 3905.14; the statutory exception excludes denial for a disqualifying offense under ORC 9.79.
Burden
Applicant bears the burden; superintendent exercises discretion.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Elapsed time
At least five years since the administrative action and two years since a previous modification request.
New license
Issuance is conditioned on successful completion of all applicable prelicensing education and examination requirements under ORC 3905.15(C).
Rehabilitation
Show good business repute and suitability, restitution for pecuniary losses, no subsequent prohibited conviction unless already addressed, circumstances unlikely to recur, and rehabilitated character.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business late renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
Submit before the first day of the second month after the renewal date, with a $50 late fee in addition to applicable renewal fees.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business new license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Application
Submit a completed business entity application, applicable fees and any requested documents.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Designated agent
Maintain an individual insurance agent licensed for the applicable authority who is responsible for the entity's compliance with Ohio insurance law.
Eligibility
Applicant must remain eligible and suitable; any disciplinary impediment must have been resolved by the superintendent.
Home license
Hold a current resident license in good standing in the home state for the same line requested in Ohio.
Previous license
Ohio authority surrendered, revoked or canceled; applicant applies for a new agent license and satisfies its current requirements under ORC 3905.16(B)(2).
Reciprocity
The home state must award nonresident agent licenses to Ohio residents on the same basis.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.
Suitability
No act constituting grounds for denial, suspension or revocation; applicant must be otherwise suitable to be licensed.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business reinstatement
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
License suspended for nonrenewal may be reinstated within 12 months after the original renewal due date; satisfy applicable renewal/CE conditions and pay the $100 reinstatement fee in addition to renewal fees.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual variable authority by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or applicable uniform application, fees and any documents requested by the superintendent.
Home license
Hold a current resident license in good standing in the home state for the same line requested in Ohio.
Reciprocity
The home state must award nonresident agent licenses to Ohio residents on the same basis.
Suitability
Be honest, trustworthy and otherwise suitable; no act constituting grounds for denial, suspension or revocation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual licensure after disciplinary modification
No examination is required for this applicant pathway.
Administrative order
Applicant seeks modification of denial, suspension, revocation or surrender for cause under ORC 3905.14; the statutory exception excludes denial for a disqualifying offense under ORC 9.79.
Burden
Applicant bears the burden; superintendent exercises discretion.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Elapsed time
At least five years since the administrative action and two years since a previous modification request.
New license
Issuance is conditioned on successful completion of all applicable prelicensing education and examination requirements under ORC 3905.15(C).
Rehabilitation
Show good business repute and suitability, restitution for pecuniary losses, no subsequent prohibited conviction unless already addressed, circumstances unlikely to recur, and rehabilitated character.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual late renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
Submit before the first day of the second month after the renewal date, with a $50 late fee in addition to applicable renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual new license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Application
Submit the home-state application or applicable uniform application, fees and any documents requested by the superintendent.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Eligibility
Applicant must remain eligible and suitable; any disciplinary impediment must have been resolved by the superintendent.
Home license
Hold a current resident license in good standing in the home state for the same line requested in Ohio.
Previous license
Ohio authority surrendered, revoked or canceled; applicant applies for a new agent license and satisfies its current requirements under ORC 3905.16(B)(2).
Reciprocity
The home state must award nonresident agent licenses to Ohio residents on the same basis.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.
Suitability
Be honest, trustworthy and otherwise suitable; no act constituting grounds for denial, suspension or revocation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual reinstatement
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
License suspended for nonrenewal may be reinstated within 12 months after the original renewal due date; satisfy applicable renewal/CE conditions and pay the $100 reinstatement fee in addition to renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Home license
Maintain a resident home-state license for the Ohio lines held.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Nonresident variable authority — nonreciprocal
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Applicability
Apply Ohio resident requirements because the home state does not reciprocate.
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual renewal extension
No examination is required for this applicant pathway.
Circumstances
Licensee cannot both comply with renewal procedures and engage in insurance business due to military service, long-term medical disability or another extenuating circumstance.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Request
Submit a written request with supporting documentation. The superintendent may decline a request made after renewal was due; granting an extension is discretionary.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Resident individual return from inactive to active status
No examination is required for this applicant pathway.
Application
Notify the superintendent by the prescribed means and submit requested information.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Education
Within the preceding 12 months complete 24 approved CE hours including 3 ethics hours, or complete a prelicensing course for the license being reactivated.
Fee
Pay the $50 reactivation fee.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.
Suitability
Remain eligible and suitable to be an insurance agent.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity variable authority
No examination is required for this applicant pathway.
Application
Submit a completed business entity application, applicable fees and any requested documents.
Designated agent
Maintain an individual insurance agent licensed for the applicable authority who is responsible for the entity's compliance with Ohio insurance law.
Domicile
Ohio domicile or principal place of business; fulfill OAC 3901-5-09(H).
Representative
Designate an appropriately licensed individual insurance agent responsible for compliance.
Suitability
No act constituting grounds for denial, suspension or revocation; applicant must be otherwise suitable to be licensed.

Official no-examination sources

Effective from 2026-09-22.

Resident business licensure after disciplinary modification
No examination is required for this applicant pathway.
Administrative order
Applicant seeks modification of denial, suspension, revocation or surrender for cause under ORC 3905.14; the statutory exception excludes denial for a disqualifying offense under ORC 9.79.
Burden
Applicant bears the burden; superintendent exercises discretion.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Elapsed time
At least five years since the administrative action and two years since a previous modification request.
New license
Issuance is conditioned on successful completion of all applicable prelicensing education and examination requirements under ORC 3905.15(C).
Rehabilitation
Show good business repute and suitability, restitution for pecuniary losses, no subsequent prohibited conviction unless already addressed, circumstances unlikely to recur, and rehabilitated character.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Resident business late renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
Submit before the first day of the second month after the renewal date, with a $50 late fee in addition to applicable renewal fees.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident business new license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Application
Submit a completed business entity application, applicable fees and any requested documents.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Designated agent
Maintain an individual insurance agent licensed for the applicable authority who is responsible for the entity's compliance with Ohio insurance law.
Eligibility
Applicant must remain eligible and suitable; any disciplinary impediment must have been resolved by the superintendent.
Previous license
Ohio authority surrendered, revoked or canceled; applicant applies for a new agent license and satisfies its current requirements under ORC 3905.16(B)(2).
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.
Suitability
No act constituting grounds for denial, suspension or revocation; applicant must be otherwise suitable to be licensed.

Official no-examination sources

Effective from 2026-09-22.

Resident business reinstatement
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
License suspended for nonrenewal may be reinstated within 12 months after the original renewal due date; satisfy applicable renewal/CE conditions and pay the $100 reinstatement fee in addition to renewal fees.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident business renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Designated agent
Maintain the licensed designated individual agent required for entity compliance.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual variable life/variable annuity licensure
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensure after disciplinary modification
No examination is required for this applicant pathway.
Administrative order
Applicant seeks modification of denial, suspension, revocation or surrender for cause under ORC 3905.14; the statutory exception excludes denial for a disqualifying offense under ORC 9.79.
Burden
Applicant bears the burden; superintendent exercises discretion.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Elapsed time
At least five years since the administrative action and two years since a previous modification request.
New license
Issuance is conditioned on successful completion of all applicable prelicensing education and examination requirements under ORC 3905.15(C).
Rehabilitation
Show good business repute and suitability, restitution for pecuniary losses, no subsequent prohibited conviction unless already addressed, circumstances unlikely to recur, and rehabilitated character.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Resident individual late renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
Complete 24 approved CE hours including 3 ethics hours before renewal; applicable statutory/rule exemptions remain available.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
Submit before the first day of the second month after the renewal date, with a $50 late fee in addition to applicable renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual new license after surrender, revocation or cancellation
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Eligibility
Applicant must remain eligible and suitable; any disciplinary impediment must have been resolved by the superintendent.
Previous license
Ohio authority surrendered, revoked or canceled; applicant applies for a new agent license and satisfies its current requirements under ORC 3905.16(B)(2).
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Resident individual reinstatement
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
Complete 24 approved CE hours including 3 ethics hours before renewal; applicable statutory/rule exemptions remain available.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Deadline
License suspended for nonrenewal may be reinstated within 12 months after the original renewal due date; satisfy applicable renewal/CE conditions and pay the $100 reinstatement fee in addition to renewal fees.
Fee exception
OAC 3901-5-09(J)(1)(d)(iv) waives late/reinstatement fees due to active military service and permits waiver for long-term medical disability or other special/extenuating circumstances.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual renewal
No examination is required for this applicant pathway.
Application
Submit the prescribed renewal application, requested documents and applicable fees.
Continuing education
Complete 24 approved CE hours including 3 ethics hours before renewal; applicable statutory/rule exemptions remain available.
Current license
Hold this Ohio line of authority; remain suitable and without grounds for refusal to renew.
Renewal cycle
Individuals renew biennially by the last day of the birth month. Resident business entities renew September 30 of even-numbered years; nonresident business entities September 30 of odd-numbered years.

Official no-examination sources

Effective from 2026-09-22.

Resident individual renewal extension
No examination is required for this applicant pathway.
Circumstances
Licensee cannot both comply with renewal procedures and engage in insurance business due to military service, long-term medical disability or another extenuating circumstance.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Request
Submit a written request with supporting documentation. The superintendent may decline a request made after renewal was due; granting an extension is discretionary.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.

Official no-examination sources

Effective from 2026-09-22.

Resident individual variable authority transfer — current
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Insurance exam waiver
ORC 3905.041(A) waives Ohio insurance education/examination.
Prior license
Current out-of-state authority in good standing.
Residency
Apply within 90 days after establishing principal residence or place of business in Ohio.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.

Resident individual variable authority transfer — previous
No examination is required for this applicant pathway.
Age
Resident individual applicant must be at least 18 years old (ORC 3905.06(A)(1)(a)).
Application
Submit the prescribed truthful and complete application, any requested supporting documents and applicable fees (ORC 3905.05; OAC 3901-5-09(D)).
Background check
Consent to BCI/FBI fingerprint criminal records check with results satisfactory to the superintendent under ORC 3905.051 and 3905.06(A)(1)(f); an additional line needs a check if none was obtained for insurance licensing in the preceding 12 months.
Crd number
Resident individual application must include the individual Central Registration Depository number under ORC 3905.05(A).
Insurance exam waiver
ORC 3905.041(A) waives Ohio insurance education/examination.
Prior license
Previous out-of-state authority canceled no more than 90 days before application, in good standing when canceled.
Residency
Apply within 90 days after establishing principal residence or place of business in Ohio.
Securities registration
For a resident individual, be a FINRA registered representative after passing at least one examination enumerated in ORC 3905.06(A)(1)(e): Series 6, Series 7, Series 63, Series 66, or another FINRA examination approved by the superintendent. These are securities-profession examination conditions, not insurance examination leaves.
Suitability
Applicant must be honest and trustworthy, suitable to be licensed, and free of grounds for denial, suspension or revocation under ORC 3905.14.
Work authorization
Applicant must be a United States citizen or provide proof of legal authorization to work in the United States (ORC 3905.06(A)(1)(g)).

Official no-examination sources

Effective from 2026-09-22.