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
- 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.
- Ohio official Revised Code
ORC 3905.061(B)(1)-(2), conversion to nonresident license
Individual reactivation after clearance letter surrender
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(M)(7), clearance surrender reversal
- Ohio official Administrative Code
OAC 3901-5-09(M)(8), continued CE/renewal after clearance reversal
Individual conversion from resident to nonresident
- 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.
- Ohio official Revised Code
ORC 3905.061(B)(1)-(2), conversion to nonresident license
Nonresident limited credit authority — additional authority
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(9)
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(a), credit line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
Nonresident business limited credit authority
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(a), credit line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
- Ohio official Revised Code
ORC 3905.201(A), insurer-provided credit instruction
- Ohio official Revised Code
ORC 3905.07(A)(7)-(8), entity designated agent
- Ohio official Revised Code
ORC 3905.07(A)(1)-(6), nonresident qualifications
- Ohio official Revised Code
ORC 3905.08(A), nonresident reciprocity waiver
- Ohio official Revised Code
ORC 3905.072, nonresident limited authority
Nonresident business licensure after disciplinary modification
- 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.
- Ohio official Revised Code
ORC 3905.15(C), issuance after disciplinary modification
- Ohio official Revised Code
ORC 3905.15(A)-(B), disciplinary modification eligibility
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
Nonresident business late renewal
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.07(D), late renewal
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Nonresident business new license after surrender, revocation or cancellation
- 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.
- Ohio official Revised Code
ORC 3905.16(B)(2), new licensure after surrender/revocation/cancellation
- Ohio official Revised Code
ORC 3905.07(A)(1)-(6), nonresident qualifications
- Ohio official Revised Code
ORC 3905.08(A), nonresident reciprocity waiver
Nonresident business reinstatement
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.07(E), twelve-month reinstatement procedure
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Nonresident business renewal
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
Nonresident individual limited credit authority
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(a), credit line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
- Ohio official Revised Code
ORC 3905.201(A), insurer-provided credit instruction
- Ohio official Revised Code
ORC 3905.07(A)(1)-(6), nonresident qualifications
- Ohio official Revised Code
ORC 3905.08(A), nonresident reciprocity waiver
- Ohio official Revised Code
ORC 3905.072, nonresident limited authority
Nonresident individual licensure after disciplinary modification
- 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.
- Ohio official Revised Code
ORC 3905.15(C), issuance after disciplinary modification
- Ohio official Revised Code
ORC 3905.15(A)-(B), disciplinary modification eligibility
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
Nonresident individual late renewal
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.07(D), late renewal
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Nonresident individual new license after surrender, revocation or cancellation
- 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.
- Ohio official Revised Code
ORC 3905.16(B)(2), new licensure after surrender/revocation/cancellation
- Ohio official Revised Code
ORC 3905.07(A)(1)-(6), nonresident qualifications
- Ohio official Revised Code
ORC 3905.08(A), nonresident reciprocity waiver
Nonresident individual reinstatement
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.07(E), twelve-month reinstatement procedure
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Nonresident individual renewal
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
Nonresident limited credit authority — nonreciprocal
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(8)
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(a), credit line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
Nonresident individual renewal extension
- 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.
- Ohio official Revised Code
ORC 3905.07(G), renewal extension
Resident business limited credit authority
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(a), credit line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
- Ohio official Revised Code
ORC 3905.201(A), insurer-provided credit instruction
- Ohio official Revised Code
ORC 3905.06(A)(2)(a)-(c), resident entity qualifications
Resident business licensure after disciplinary modification
- 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.
- Ohio official Revised Code
ORC 3905.15(C), issuance after disciplinary modification
- Ohio official Revised Code
ORC 3905.15(A)-(B), disciplinary modification eligibility
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
Resident business late renewal
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.06(D), late renewal
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Resident business new license after surrender, revocation or cancellation
- 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.
- Ohio official Revised Code
ORC 3905.16(B)(2), new licensure after surrender/revocation/cancellation
- Ohio official Revised Code
ORC 3905.06(A)(2)(a)-(c), resident entity qualifications
Resident business reinstatement
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.06(E), twelve-month reinstatement eligibility
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Resident business renewal
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
Resident individual limited credit authority
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(a), credit line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
- Ohio official Revised Code
ORC 3905.201(A), insurer-provided credit instruction
- Ohio official Revised Code
ORC 3905.06(A)(1), resident individual issuance
Resident individual licensure after disciplinary modification
- 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.
- Ohio official Revised Code
ORC 3905.15(C), issuance after disciplinary modification
- Ohio official Revised Code
ORC 3905.15(A)-(B), disciplinary modification eligibility
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
Resident individual late renewal
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.06(D), late renewal
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Resident individual new license after surrender, revocation or cancellation
- 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.
- Ohio official Revised Code
ORC 3905.16(B)(2), new licensure after surrender/revocation/cancellation
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
Resident individual reinstatement
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.06(E), twelve-month reinstatement eligibility
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Resident individual renewal
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
Resident individual renewal extension
- 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.
- Ohio official Revised Code
ORC 3905.06(G), renewal extension
Resident individual limited credit authority transfer — current
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(a), credit line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
- Ohio official Revised Code
ORC 3905.041(A)(1), incoming resident examination waiver
Resident individual limited credit authority transfer — previous
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(a), credit line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
- Ohio official Revised Code
ORC 3905.041(A)(1), incoming resident examination waiver
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
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(M)(7), clearance surrender reversal
- Ohio official Administrative Code
OAC 3901-5-09(M)(8), continued CE/renewal after clearance reversal
Individual conversion from resident to nonresident
- 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.
- Ohio official Revised Code
ORC 3905.061(B)(1)-(2), conversion to nonresident license
Nonresident limited funeral authority — additional authority
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(9)
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(d), funeral expense line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
Nonresident individual limited funeral authority
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(d), funeral expense line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
- Ohio official Revised Code
ORC 3905.07(A)(1)-(6), nonresident qualifications
- Ohio official Revised Code
ORC 3905.08(A), nonresident reciprocity waiver
- Ohio official Revised Code
ORC 3905.072, nonresident limited authority
Nonresident individual licensure after disciplinary modification
- 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.
- Ohio official Revised Code
ORC 3905.15(C), issuance after disciplinary modification
- Ohio official Revised Code
ORC 3905.15(A)-(B), disciplinary modification eligibility
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
Nonresident individual late renewal
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.07(D), late renewal
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Nonresident individual new license after surrender, revocation or cancellation
- 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.
- Ohio official Revised Code
ORC 3905.16(B)(2), new licensure after surrender/revocation/cancellation
- Ohio official Revised Code
ORC 3905.07(A)(1)-(6), nonresident qualifications
- Ohio official Revised Code
ORC 3905.08(A), nonresident reciprocity waiver
Nonresident individual reinstatement
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.07(E), twelve-month reinstatement procedure
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Nonresident individual renewal
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
Nonresident limited funeral authority — nonreciprocal
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(8)
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(d), funeral expense line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
Nonresident individual renewal extension
- 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.
- Ohio official Revised Code
ORC 3905.07(G), renewal extension
Resident individual limited funeral authority
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(d), funeral expense line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
- Ohio official Revised Code
ORC 3905.06(A)(1), resident individual issuance
Resident individual licensure after disciplinary modification
- 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.
- Ohio official Revised Code
ORC 3905.15(C), issuance after disciplinary modification
- Ohio official Revised Code
ORC 3905.15(A)-(B), disciplinary modification eligibility
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
Resident individual late renewal
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.06(D), late renewal
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Resident individual new license after surrender, revocation or cancellation
- 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.
- Ohio official Revised Code
ORC 3905.16(B)(2), new licensure after surrender/revocation/cancellation
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
Resident individual reinstatement
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
- Ohio official Revised Code
ORC 3905.06(E), twelve-month reinstatement eligibility
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Resident individual renewal
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-01(D)(2), limited-line CE exemption
Resident individual renewal extension
- 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.
- Ohio official Revised Code
ORC 3905.06(G), renewal extension
Resident individual limited funeral authority transfer — current
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(d), funeral expense line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
- Ohio official Revised Code
ORC 3905.041(A)(1), incoming resident examination waiver
Resident individual limited funeral authority transfer — previous
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(F)(2)(d), funeral expense line
- Ohio official Administrative Code
OAC 3901-5-09(F)(3), no limited-lines licensing exam
- Ohio official Administrative Code
OAC 3901-5-09(F)(1)(a)-(f), limited-lines application
- Ohio official Revised Code
ORC 3905.041(A)(1), incoming resident examination waiver
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
- 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.
- Ohio official Revised Code
ORC 3905.09(A)(1)
- Ohio official Revised Code
ORC 3905.041(B), temporary license examination waiver
- Ohio official Revised Code
ORC 3905.09(B)-(C), duration and restriction
- Ohio official Revised Code
ORC 3905.09(D), sponsor requirement
Temporary license — entity key agent
- 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.
- Ohio official Revised Code
ORC 3905.09(A)(2)
- Ohio official Revised Code
ORC 3905.041(B), temporary license examination waiver
- Ohio official Revised Code
ORC 3905.09(B)-(C), duration and restriction
- Ohio official Revised Code
ORC 3905.09(D), sponsor requirement
Temporary license — military designee
- 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.
- Ohio official Revised Code
ORC 3905.09(A)(3)
- Ohio official Revised Code
ORC 3905.041(B), temporary license examination waiver
- Ohio official Revised Code
ORC 3905.09(B)-(C), duration and restriction
- Ohio official Revised Code
ORC 3905.09(D), sponsor requirement
Temporary license — public interest
- 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.
- Ohio official Revised Code
ORC 3905.09(A)(4)
- Ohio official Revised Code
ORC 3905.041(B), temporary license examination waiver
- Ohio official Revised Code
ORC 3905.09(B)-(C), duration and restriction
- Ohio official Revised Code
ORC 3905.09(D), sponsor requirement
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
- 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.
- Ohio official Revised Code
ORC 3905.061(B)(1)-(2), conversion to nonresident license
Individual reactivation after clearance letter surrender
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(M)(7), clearance surrender reversal
- Ohio official Administrative Code
OAC 3901-5-09(M)(8), continued CE/renewal after clearance reversal
Resident individual grant of inactive status
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(L)(1)-(2), inactive status qualifications
- Ohio official Revised Code
ORC 3905.16(C)(1)-(2), inactive status
Individual conversion from resident to nonresident
- 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.
- Ohio official Revised Code
ORC 3905.061(B)(1)-(2), conversion to nonresident license
Nonresident variable authority — additional authority
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(E) variable additional-authority
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.04(B)(1), major lines requiring examination
- PSI Ohio Insurance Candidate Information Bulletin
Licensure process table, Variable line has no insurance examination
- Ohio official Revised Code
ORC 3905.06(A)(1)(e), securities qualification
- Ohio official Revised Code
ORC 3905.05(A), variable applicant CRD
Nonresident business entity variable authority by reciprocity
- 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.
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.07(A)(1)-(6), nonresident qualifications
- Ohio official Revised Code
ORC 3905.07(A)(7)-(8), entity designated agent
- Ohio official Revised Code
ORC 3905.08(A), nonresident reciprocity waiver
Nonresident business licensure after disciplinary modification
- 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.
- Ohio official Revised Code
ORC 3905.15(C), issuance after disciplinary modification
- Ohio official Revised Code
ORC 3905.15(A)-(B), disciplinary modification eligibility
- Ohio official Revised Code
ORC 3905.06(A)(2)(a)-(c), resident entity qualifications
Nonresident business late renewal
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Revised Code
ORC 3905.07(D), late renewal
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Nonresident business new license after surrender, revocation or cancellation
- 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.
- Ohio official Revised Code
ORC 3905.16(B)(2), new licensure after surrender/revocation/cancellation
- Ohio official Revised Code
ORC 3905.07(A)(1)-(6), nonresident qualifications
- Ohio official Revised Code
ORC 3905.08(A), nonresident reciprocity waiver
Nonresident business reinstatement
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Revised Code
ORC 3905.07(E), twelve-month reinstatement procedure
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Nonresident business renewal
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
Nonresident individual variable authority by reciprocity
- 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.
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.07(A)(1)-(6), nonresident qualifications
- Ohio official Revised Code
ORC 3905.08(A), nonresident reciprocity waiver
Nonresident individual licensure after disciplinary modification
- 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.
- Ohio official Revised Code
ORC 3905.15(C), issuance after disciplinary modification
- Ohio official Revised Code
ORC 3905.15(A)-(B), disciplinary modification eligibility
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.04(B)(1), major lines requiring examination
- PSI Ohio Insurance Candidate Information Bulletin
Licensure process table, Variable line has no insurance examination
Nonresident individual late renewal
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Revised Code
ORC 3905.07(D), late renewal
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Nonresident individual new license after surrender, revocation or cancellation
- 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.
- Ohio official Revised Code
ORC 3905.16(B)(2), new licensure after surrender/revocation/cancellation
- Ohio official Revised Code
ORC 3905.07(A)(1)-(6), nonresident qualifications
- Ohio official Revised Code
ORC 3905.08(A), nonresident reciprocity waiver
Nonresident individual reinstatement
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
- Ohio official Revised Code
ORC 3905.07(E), twelve-month reinstatement procedure
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Nonresident individual renewal
- 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.
- Ohio official Revised Code
ORC 3905.07(C)(2)-(3), nonresident renewal conditions
Nonresident variable authority — nonreciprocal
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(E) variable nonreciprocal
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.04(B)(1), major lines requiring examination
- PSI Ohio Insurance Candidate Information Bulletin
Licensure process table, Variable line has no insurance examination
- Ohio official Revised Code
ORC 3905.06(A)(1)(e), securities qualification
- Ohio official Revised Code
ORC 3905.05(A), variable applicant CRD
Nonresident individual renewal extension
- 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.
- Ohio official Revised Code
ORC 3905.07(G), renewal extension
Resident individual return from inactive to active status
- 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.
- Ohio official Administrative Code
OAC 3901-5-09(L)(8)(a)-(c), reactivation
- Ohio official Administrative Code
OAC 3901-5-09(L)(8)(e), reactivation suitability
Resident business entity variable authority
- 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.
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.06(A)(2)(a)-(c), resident entity qualifications
- Ohio official Revised Code
ORC 3905.04(B)(1), major lines requiring examination
Resident business licensure after disciplinary modification
- 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.
- Ohio official Revised Code
ORC 3905.15(C), issuance after disciplinary modification
- Ohio official Revised Code
ORC 3905.15(A)-(B), disciplinary modification eligibility
- Ohio official Revised Code
ORC 3905.06(A)(2)(a)-(c), resident entity qualifications
Resident business late renewal
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Revised Code
ORC 3905.06(D), late renewal
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Resident business new license after surrender, revocation or cancellation
- 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.
- Ohio official Revised Code
ORC 3905.16(B)(2), new licensure after surrender/revocation/cancellation
- Ohio official Revised Code
ORC 3905.06(A)(2)(a)-(c), resident entity qualifications
Resident business reinstatement
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Revised Code
ORC 3905.06(E), twelve-month reinstatement eligibility
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Resident business renewal
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
Resident individual variable life/variable annuity licensure
- 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.
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.06(A)(1)(e), securities qualification
- Ohio official Revised Code
ORC 3905.04(B)(1), major lines requiring examination
- PSI Ohio Insurance Candidate Information Bulletin
Licensure process table, Variable line has no insurance examination
- Ohio official Revised Code
ORC 3905.05(A), variable applicant CRD
Resident individual licensure after disciplinary modification
- 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.
- Ohio official Revised Code
ORC 3905.15(C), issuance after disciplinary modification
- Ohio official Revised Code
ORC 3905.15(A)-(B), disciplinary modification eligibility
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.04(B)(1), major lines requiring examination
- PSI Ohio Insurance Candidate Information Bulletin
Licensure process table, Variable line has no insurance examination
Resident individual late renewal
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(c)(i), major line renewal CE
- Ohio official Revised Code
ORC 3905.06(D), late renewal
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Resident individual new license after surrender, revocation or cancellation
- 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.
- Ohio official Revised Code
ORC 3905.16(B)(2), new licensure after surrender/revocation/cancellation
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.04(B)(1), major lines requiring examination
- PSI Ohio Insurance Candidate Information Bulletin
Licensure process table, Variable line has no insurance examination
Resident individual reinstatement
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(c)(i), major line renewal CE
- Ohio official Revised Code
ORC 3905.06(E), twelve-month reinstatement eligibility
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(d), late renewal/reinstatement fees
Resident individual renewal
- 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.
- Ohio official Revised Code
ORC 3905.06(C)(3), exhaustive resident renewal conditions
- Ohio official Administrative Code
OAC 3901-5-09(J)(1)(c)(i), major line renewal CE
Resident individual renewal extension
- 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.
- Ohio official Revised Code
ORC 3905.06(G), renewal extension
Resident individual variable authority transfer — current
- 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.
- Ohio official Revised Code
ORC 3905.041(A)(1), incoming resident examination waiver
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.04(B)(1), major lines requiring examination
- PSI Ohio Insurance Candidate Information Bulletin
Licensure process table, Variable line has no insurance examination
- Ohio official Revised Code
ORC 3905.06(A)(1)(e), securities qualification
- Ohio official Revised Code
ORC 3905.05(A), variable applicant CRD
Resident individual variable authority transfer — previous
- 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.
- Ohio official Revised Code
ORC 3905.041(A)(1), incoming resident examination waiver
- Ohio official Revised Code
ORC 3905.06(B)(6), variable line of authority
- Ohio official Revised Code
ORC 3905.04(B)(1), major lines requiring examination
- PSI Ohio Insurance Candidate Information Bulletin
Licensure process table, Variable line has no insurance examination
- Ohio official Revised Code
ORC 3905.06(A)(1)(e), securities qualification
- Ohio official Revised Code
ORC 3905.05(A), variable applicant CRD