EstatePass
OH • L&H

Ohio Life & Health Insurance Exam — Practice Test & Study Guide

Sell life, accident & health insurance products. Covers policy provisions, riders, annuities, medical expense and disability coverage, plus state-specific regulations.

Try 20 Free QuestionsTake the Diagnostic
Our mock exam
100 questions
what you sit here, not the state's count
Official time limit
150 min
OH exam, verified
Passing score
70%
set by ODI
Pre-licensing
40h
required in OH

Exam content outline

From the official ODI L&H content outline. Mock exams sample at these weights.

SectionWeight≈ Questions
National-LH-I Life Policy Types15%15
National-LH-II Life Policy Riders, Provisions, Options, Exclusions15%15
National-LH-III Application, Underwriting, Delivery12%12
National-LH-IV Retirement & Other Insurance Concepts8%8
National-LH-V Health Policy Types16%16
National-LH-VI Health Policy Provisions, Clauses, Riders15%15
National-LH-VII Social Insurance6%6
National-LH-VIII Other Health Insurance Concepts5%5
National-LH-IX Field Underwriting Procedures8%8

Sample questions

Items from our L&H bank, aligned to the OH ODI outline — see the difficulty and explanation depth.

Q1 • OH-LH-I ORC Title 39 Life A&H Foundationseasy

Under R.C. 3915.05, what is the minimum grace period that must appear in an Ohio individual life insurance policy?

A7 days
B15 days
C31 days
D60 days
Why

OH requires a 31-day grace period for individual life policies.

Q2 • OH-LH-I ORC Title 39 Life A&H Foundationsmedium

Under R.C. 3911.09, at what point in time must insurable interest exist for an Ohio life insurance policy to be valid?

AAt the time the policy is issued
BAt the time of the insured's death
CContinuously from issue through claim
DOnly at the time the first premium is paid after issue
Why

OH requires insurable interest at policy inception only.

Q3 • OH-LH-I ORC Title 39 Life A&H Foundationsmedium

Under R.C. 3915.05, how must an Ohio life insurer adjust the death benefit if the insured's age was misstated on the application?

APay the amount the premium paid would have purchased at the correct age
BPay the face amount but require the beneficiary to repay any premium shortfall
CVoid the policy and refund all premiums paid
DPay the face amount in full regardless of the misstatement
Why

OH adjusts the benefit to what the premium would have bought at the true age.

Q4 • Social Insurancemedium

The Quick Disability Determination (QDD) process at SSA is designed to:

AProvide instant cash benefits to the claimant during the initial five-month statutory waiting period before any decision.
BUse a predictive model to identify claims with a high likelihood of allowance for expedited DDS processing.
CBypass the medical evidence requirement entirely for any impairment that is expected to be short-term in its duration.
DReplace administrative law judge hearings with binding private arbitration proceedings conducted outside the agency.
Why

QDD uses a predictive computer model to flag likely-allowance claims for fast DDS handling, separate from the condition-based CAL list.

Q5 • Life Policy Typeseasy

A 30-year decreasing term policy is sold as mortgage protection on a 30-year amortizing home loan. Across the policy's life, the:

APremium decreases each year on a set declining schedule while the death benefit stays level at the original face for the full 30-year term
BPremium stays level while the death benefit decreases on a schedule designed to track the declining mortgage balance
CPremium and death benefit both increase each year, indexed upward together to keep pace with general consumer price inflation over the term
DPremium and death benefit both decrease each year proportionally and in lockstep over the entire 30-year policy term
Why

Decreasing term: level premium, declining death benefit tracking mortgage amortization. Premium is flat throughout.

Try 20 More Free Questions

Ohio state law module

State-specific laws and regulations make up 10–20% of the OH L&H exam. Our markdown-based state-law module walks through what ODI actually tests.

Read OH L&H state law

Ohio L&H Exam FAQ

How long is the OH L&H exam?

Ohio Department of Insurance allows 150 minutes for the Ohio Life & Health exam, and the passing score is 70%. The state does not publish a scored-question count. Our mock exam runs 100 questions in 120 minutes.

What's the passing score for OH L&H?

70% is the passing score in Ohio, calculated against the scored question count. ODI reports results immediately at the test center.

How long should I study for the OH L&H exam?

Most L&H candidates spend 40–80 hours over 3–6 weeks. Start with the free diagnostic — it’ll tell you which sections to focus on instead of cramming the whole outline evenly.

Where do I take the Ohio L&H exam?

ODI contracts with major proctored-exam vendors. Check the Ohio Department of Insurance website for an up-to-date list of test centers in Ohio.

Are these practice questions matched to the OH outline?

Yes — we follow the ODI content outline section by section, and our OH L&H bank includes 244 state-tagged items alongside the national NAIC content. Mock exams are composed from real section weights, not a generic question dump.

How much does EstatePass cost? Do I need a separate plan for L&H?

No — one EstatePass Pro plan covers Real Estate, Insurance License (L&H / P&C / Personal Lines), MLO, and Contractor exam prep. Free tier includes 20 practice answers/day and the diagnostic. Pro is $9.99/mo, $19.99/quarter, or $39.99 Lifetime — unlimited practice, mock exams, AI tier-3 explanations, and every channel.