Ohio Rev. Code » Chapter 3905
Ohio Revised Code

Ohio Rev. Code § 3905.04 (2026)

Written examination of applicant for agent license

✓ current as of May 2026
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Effective:
September 30, 2021
Latest Legislation:
House Bill 110 - 134th General Assembly
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(A) Except as otherwise provided in this section or in section 3905.041 of the Revised Code, a resident individual applying for an insurance agent license for any of the lines of authority described in division (B) of this section shall take and pass a written examination prior to application for licensure. The examination shall test the knowledge of the individual with respect to the lines of authority for which application will be made, the duties and responsibilities of an insurance agent, and the insurance laws of this state. Before admission to the examination, each individual shall pay the nonrefundable examination fee.

(B) The examination described in division (A) of this section shall be required for the following lines of authority:

(1) Any of the lines of authority set forth in divisions (B)(1) to (5) of section 3905.06 of the Revised Code;

(2) Title insurance;

(3) Surety bail bonds as provided in sections 3905.83 to 3905.95 of the Revised Code;

(4) Any other line of authority designated by the superintendent of insurance.

(C)(1) An individual shall not be permitted to take the examination described in division (A) of this section unless one of the following applies:

(a) The individual has earned a bachelor's or associate's degree in insurance from an accredited institution.

(b) The individual has earned a professional designation approved by the superintendent.

(c) The individual has completed, for each line of authority for which the individual has applied, twenty hours of study in a program of insurance education approved by the superintendent, under criteria established by the superintendent, which may include the option for all of the following types of courses and programs or combination thereof:

(i) Classroom;

(ii) Online;

(iii) Self-study.

(2) Division (C) of this section does not apply with respect to title insurance or any other line of authority designated by the superintendent.

(D) An individual who fails to appear for an examination as scheduled, or fails to pass an examination, may reapply for the examination if the individual pays the required fee and submits any necessary forms prior to being rescheduled for the examination.

(E)(1) The superintendent may, in accordance with Chapter 119. of the Revised Code, adopt any rule necessary for the implementation of this section.

(2) The superintendent may make any necessary arrangements, including contracting with an outside testing service, for the administration of the examinations and the collection of the fees required by this section.

Last updated August 19, 2021 at 3:16 PM

Notes of Decisions
Cited in 6 cases, 1990–1999 · leading case: Indep. Ins. v. Fabe, 587 N.E.2d 814 (Ohio 1992).
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Indep. Ins. v. Fabe, 587 N.E.2d 814 (Ohio 1992). · cites it 8× “*314 Ill Directly or Indirectly Appellants’ main argument (that the word “affiliates” should be read into the statute, even though it is not there) is based on a strained application of the adverbial phrase “directly or indirectly,” which does appear in R.C. 3905.04, but not in…”
State ex rel. Huntington Ins. Agency, Inc. v. Duryee, 653 N.E.2d 349 (Ohio 1995). · cites it 2× “) R.C. 3905.04 provides: “The superintendent of insurance shall refuse to grant any license applied for, and shall revoke any license of or to any appointee, agent, solicitor, or foreign broker, when the superintendent is satisfied that the principal use of such license has been…”
Ass'n of Banks in Ins., Inc. v. Duryee, 55 F. Supp. 2d 799 (S.D. Ohio 1999). · cites it 4× “Section 3905.04 provides in relevant part: The superintendent of insurance shall refuse to grant any license applied for, and shall revoke any license of or to any appointee, agent, solicitor, or foreign broker, when the superintendent is satisfied 'that thé principal use of…”
State ex rel. Huntington Ins. Agency, Inc. v. Duryee, 1995 Ohio 337 (Ohio 1995). · cites it 2× “) {¶ 16} R.C. 3905.04 provides: “The superintendent of insurance shall refuse to grant any license applied for, and shall revoke any license of or to any appointee, agent, solicitor, or foreign broker, when the superintendent is satisfied that the principal use of such license…”
Indep. Ins. Agents of Ohio, Inc. v. Fabe, 5 Ohio App. Unrep. 306 (Ohio Ct. App. 1990). · cites it 23× “While the case was pending, the superintendent of insurance issued Bulletin 89-1, wherein the department adopted the Attorney General's opinion that R.C. 3905.04 did not prohibit the licensing of applicants who principally intend to place insurance on property for which the…”
Indep. Ins. Agents of Ohio, Inc. v. Duryee, 704 N.E.2d 604 (Ohio Ct. App. 1997). · cites it 8× “, filed a complaint, pursuant to R.C. 3905.04, with appellee, Superintendent of Insurance Harold T.”
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