$191 to $540typical total, before any agency reimbursement
40 hoursof pre-licensing study
$49for the exam, per attempt
The steps in Ohio
- Take the 40-hour pre-licensing course20 hours for life plus 20 hours for accident and health. Certificates are good for 180 days, so take the exam within that window. Bring paper copies of both certificates to the exam.
- Pass the state examExams are run by PSI. You take one combined life and health exam. You need a score of 70 to pass.
- Get fingerprintedOhio requires fingerprints for a background check, about $72.
- Apply for your licenseApply online through NIPR. Ohio charges $10 per line, so life and health is $20. NIPR adds a small transaction fee.
- Get appointedThe insurance companies you will represent appoint you. When you join an agency, it usually handles this for you.
What it costs
| Pre-licensing course | $50 to $350 (set by the course provider) |
| State exam | $49 per attempt |
| Fingerprints | $72 |
| License fee | $20 |
| Typical total | $191 to $540 |
|---|
The low end assumes you pass the first time with a budget course. The high end includes a full-price course and one retake. Many agencies cover or reimburse licensing costs, so ask before you buy anything.
Estimate my exact cost
Good to know
- Exams are at PSI test centers only (online exams ended in March 2026). The background check is through a National WebCheck provider; $72.25 is the price at PSI test centers, and other providers set their own.
- After you are licensed: 24 hours of continuing education every 2 years, including 3 hours of ethics.
Official sources
New to licensing? Start with How to Get Your Life and Health Insurance License for the full picture.
Checked against official Ohio sources in October 2026. Fees and rules change, so confirm with the Ohio insurance department before you pay. This is general information, not licensing advice.
Also hiring: remote insurance roles
Work from home on your own hours
Full-time or part-time, helping families find the right coverage, with training, a mentor, and help getting licensed.
