Ohio Revised Code
Chapter 3905 | Insurance Producers Licensing Act
Section 3905.06 | Issuance and Contents of License - Lines of Authority.

Effective: July 21, 2022
Latest Legislation: Senate Bill 256 - 134th General Assembly
(A)(1) The superintendent of insurance shall issue a resident insurance agent license to an individual applicant whose home state is Ohio upon submission of a completed application and payment of any applicable fee required under this chapter, if the superintendent finds all of the following:
(a) The applicant is at least eighteen years of age.
(b) The applicant has not committed any act that is a ground for the denial, suspension, or revocation of a license under section 3905.14 of the Revised Code.
(c) If required under section 3905.04 of the Revised Code, the applicant has completed a program of insurance education for each line of authority for which the applicant has applied.
(d) If required under section 3905.04 of the Revised Code, the applicant has passed an examination for each line of authority for which the applicant has applied.
(e) Any applicant applying for variable life-variable annuity line of authority is registered with the financial industry regulatory authority (FINRA) as a registered representative after having passed at least one of the following examinations administered by the FINRA: the series 6 examination, the series 7 examination, the series 63 examination, the series 66 examination, or any other FINRA examination approved by the superintendent.
(f) If required under section 3905.051 of the Revised Code, the applicant has consented to a criminal records check and the results of the applicant's criminal records check are determined to be satisfactory by the superintendent in accordance with section 9.79 of the Revised Code.
(g) The applicant is a United States citizen or has provided proof of having legal authorization to work in the United States.
(h) The applicant is honest and trustworthy and is otherwise suitable to be licensed.
(2) The superintendent shall issue a resident insurance agent license to a business entity applicant upon submission of a completed application and payment of any applicable fees required under this chapter if the superintendent finds all of the following:
(a) Except as provided under division (C)(2) of section 3905.062 or division (C)(2) of section 3905.063 of the Revised Code, the applicant either is domiciled in Ohio or maintains its principal place of business in Ohio.
(b) The applicant has designated a licensed insurance agent who will be responsible for the applicant's compliance with the insurance laws of this state.
(c) The applicant has not committed any act that is a ground for the denial, suspension, or revocation of a license under section 3905.14 of the Revised Code.
(d) Any applicant applying for a portable electronics insurance license line of authority satisfies the requirements of division (C)(1) of section 3905.062 of the Revised Code or any applicant applying for a self-service storage insurance license line of authority satisfies the requirements of division (C)(1) of section 3905.063 of the Revised Code.
(e) The applicant has submitted any other documents requested by the superintendent.
(B) An insurance agent license issued pursuant to division (A) of this section shall state the licensee's name, the license number, the date of issuance, the date the license expires, the line or lines of authority for which the licensee is qualified, and any other information the superintendent deems necessary.
A licensee may be qualified for any of the following lines of authority:
(1) Life, which is insurance coverage on human lives, including benefits of endowment and annuities, and may include benefits in the event of death or dismemberment by accident and benefits for disability income;
(2) Accident and health, which is insurance coverage for sickness, bodily injury, or accidental death, and may include benefits for disability income;
(3) Property, which is insurance coverage for the direct or consequential loss or damage to property of any kind;
(4) Casualty, which is insurance coverage against legal liability, including coverage for death, injury, or disability or damage to real or personal property;
(5) Personal lines, which is property and casualty insurance coverage sold to individuals and families for noncommercial purposes;
(6) Variable life and variable annuity products, which is insurance coverage provided under variable life insurance contracts and variable annuities;
(7) Credit, which is limited line credit insurance;
(8) Title, which is insurance coverage against loss or damage suffered by reason of liens against, encumbrances upon, defects in, or the unmarketability of, real property;
(9) Surety bail bond, which is the authority set forth in sections 3905.83 to 3905.95 of the Revised Code;
(10) Portable electronics insurance, which is a limited line described in section 3905.062 of the Revised Code;
(11) Self-service storage insurance, which is a limited line described in section 3905.063 of the Revised Code;
(12) Travel insurance, which is a limited line described in sections 3905.064 to 3905.0611 of the Revised Code;
(13) Any other line of authority designated by the superintendent.
(C)(1) An individual seeking to renew a resident insurance agent license shall apply biennially for a renewal of the license on or before the last day of the licensee's birth month. A business entity seeking to renew a resident insurance agent license shall apply biennially for a renewal of the license on or before the date determined by the superintendent. The superintendent shall send a renewal notice to all licensees at least one month prior to the renewal date.
Applications shall be submitted to the superintendent on forms prescribed by the superintendent. Each application shall be accompanied by a biennial renewal fee. The superintendent also may require an applicant to submit any document reasonably necessary to verify the information contained in the renewal application.
(2) To be eligible for renewal, an individual applicant shall complete the continuing education requirements pursuant to section 3905.481 of the Revised Code prior to the renewal date.
(3) If an applicant submits a completed renewal application, qualifies for renewal pursuant to divisions (C)(1) and (2) of this section, and has not committed any act that is a ground for the refusal to issue, suspension of, or revocation of a license under section 3905.14 of the Revised Code, the superintendent shall renew the applicant's resident insurance agent license.
(D) If an individual or business entity does not apply for the renewal of the individual or business entity's license on or before the license renewal date specified in division (C)(1) of this section, the individual or business entity may submit a late renewal application along with all applicable fees required under this chapter prior to the first day of the second month following the license renewal date.
(E) A license issued under this section that is not renewed on or before its renewal date pursuant to division (C) of this section or its late renewal date pursuant to division (D) of this section automatically is suspended for nonrenewal on the first day of the second month following the renewal date. If a license is suspended for nonrenewal pursuant to this division, the individual or business entity is eligible to apply for reinstatement of the license within the twelve-month period following the date by which the license should have been renewed by complying with the reinstatement procedure established by the superintendent and paying all applicable fees required under this chapter.
(F) A license that is suspended for nonrenewal that is not reinstated pursuant to division (E) of this section automatically is canceled unless the superintendent is investigating any allegations of wrongdoing by the agent or has initiated proceedings under Chapter 119. of the Revised Code. In that case, the license automatically is canceled after the completion of the investigation or proceedings unless the superintendent revokes the license.
(G) An individual licensed as a resident insurance agent who is unable to comply with the license renewal procedures established under this section and who is unable to engage in the business of insurance due to military service, a long-term medical disability, or some other extenuating circumstance may request an extension of the renewal date of the individual's license. To be eligible for such an extension, the individual shall submit a written request with supporting documentation to the superintendent. At the superintendent's discretion, the superintendent may not consider a written request made after the renewal date of the license.
Last updated May 3, 2022 at 1:10 PM

Structure Ohio Revised Code

Ohio Revised Code

Title 39 | Insurance

Chapter 3905 | Insurance Producers Licensing Act

Section 3905.01 | Insurance Producers Licensing Act Definitions.

Section 3905.02 | License Required.

Section 3905.03 | Exceptions to Licensing Requirement.

Section 3905.04 | Written Examination of Applicant for Agent License.

Section 3905.041 | Exceptions to Program of Insurance Education or Examination Requirement.

Section 3905.05 | Application for Resident Insurance Agent License.

Section 3905.051 | Criminal Records Check; Fingerprinting; Confidentiality.

Section 3905.06 | Issuance and Contents of License - Lines of Authority.

Section 3905.061 | Agent to File of Change of Address.

Section 3905.062 | Portable Electronics Insurance.

Section 3905.063 | Self-Service Storage Insurance; License Required.

Section 3905.064 | Travel Insurance Definitions.

Section 3905.065 | Travel Insurance Agent License; Travel Protection Plans; Policy Requirements.

Section 3905.066 | Travel Retailers.

Section 3905.067 | Unfair and Deceptive Acts or Practices.

Section 3905.068 | Tax on Travel Insurance Premiums.

Section 3905.069 | Travel Administrators.

Section 3905.0610 | Classification of Travel Insurance; Eligibility and Underwriting Standards.

Section 3905.0611 | Rules.

Section 3905.07 | Nonresident Insurance Agent or Surplus Lines Broker License; Renewal.

Section 3905.071 | Nonresident to File Change of Address.

Section 3905.072 | Nonresident Limited Lines Insurance Agent License.

Section 3905.08 | Reciprocity.

Section 3905.081 | Waiving Licensing Requirement for Nonresident Persons in Violation of Federal Reciprocity Requirements.

Section 3905.09 | Temporary Insurance Agent License.

Section 3905.11 | Agent's Use of Assumed Name.

Section 3905.12 | Rules.

Section 3905.14 | Disciplinary Actions.

Section 3905.15 | Hearing to Determine Administrative Action Modification.

Section 3905.16 | Surrender of License.

Section 3905.18 | Paying Unlawful Consideration.

Section 3905.181 | Accepting Consideration Without License.

Section 3905.182 | Sale of Shares of Capital Stock of Life Insurance Company or Agency.

Section 3905.20 | Appointment of Insurance Agent to Act as Agent of Insurer.

Section 3905.201 | Limited Line Credit Insurance Program of Instruction.

Section 3905.21 | Notice of Terminating Relationship With Insurance Agent.

Section 3905.211 | Immunity.

Section 3905.212 | Sanctions.

Section 3905.22 | Agent to Provide Notice of Administrative Action or of Prosecution and Disposition.

Section 3905.24 | Confidentiality of Records and Information - Exceptions.

Section 3905.26 | Centralized Agent License Registry.

Section 3905.28 | Rules.

Section 3905.29 | Mutual Protective Associations Exempted.

Section 3905.30 | Resident and Nonresident Surplus Lines Broker's License.

Section 3905.31 | Prohibitions.

Section 3905.32 | License Fees.

Section 3905.33 | Unauthorized Insurers; Applicability and Construction of Federal Provisions; Due Diligence.

Section 3905.331 | Exempt Commercial Purchasers; Qualifications; Qualified Risk Managers.

Section 3905.332 | Designation as Domestic Surplus Lines Insurer.

Section 3905.34 | Separate Accounts.

Section 3905.35 | Bond.

Section 3905.36 | Taxing Firms Dealing With Unauthorized Foreign Insurers; Waiver of Penalty and Interest Charges; Surplus Lines Brokers.

Section 3905.37 | Prohibited Acts.

Section 3905.38 | Exemptions.

Section 3905.39 | Continuation of Certificates and Licenses.

Section 3905.40 | Fees Paid to Superintendent of Insurance.

Section 3905.401 | Valuation Fee Not Applicable to Reinsurance Ceded to Affiliated Companies.

Section 3905.41 | Accounts for Fees.

Section 3905.42 | Insurance Business Must Be Authorized.

Section 3905.421 | Vehicle Protection Product Warranty.

Section 3905.422 | Homes Service Contract Are Consumer Transactions.

Section 3905.423 | Consumer Goods Contracts to Be Covered by Reimbursement Insurance.

Section 3905.424 | Waiver of Customer Obligation Not Insurance Matter.

Section 3905.426 | Requirements for Ancillary Product Protection Contracts.

Section 3905.43 | Advertising Limitations.

Section 3905.44 | Limitation Upon Domestic Companies.

Section 3905.45 | Payment of Funeral or Burial Expenses Policy.

Section 3905.451 | Funeral or Burial Goods or Services Coverage Not Subject to Preneed Provisions.

Section 3905.46 | Application of Law.

Section 3905.47 | Agent Training Programs.

Section 3905.471 | Insurance Navigator Certification.

Section 3905.472 | Qualified Health Benefit Plans.

Section 3905.473 | Exchange Listings.

Section 3905.474 | Qualifications for In-Person Assisters.

Section 3905.481 | Continuing Education Requirements.

Section 3905.484 | Establishing Criteria for Course or Program of Study for License Examination.

Section 3905.485 | Establishing Schedule of Fees for Course or Program of Study for License Examination.

Section 3905.486 | Adoption of Rules.

Section 3905.49 | Prohibiting False Representation as Independent Agent.

Section 3905.50 | Terminating Independent Insurance Agent Contract.

Section 3905.53 | Effect of Child Support Default on License.

Section 3905.55 | Agent Fees.

Section 3905.56 | Compensation by Public Entity for Placement of Insurance.

Section 3905.61 | Controlled Insurers Definitions.

Section 3905.62 | Application of Sections.

Section 3905.63 | Limits on Business Placed With Controlled Insurer by Controlling Producer.

Section 3905.64 | Notice to Prospective Insured by Controlling Producer.

Section 3905.65 | Remedies for Noncompliance.

Section 3905.71 | Managing General Agent Definitions.

Section 3905.72 | Managing General Agent License Requirement.

Section 3905.73 | Responsibilities of Managing General Agent.

Section 3905.74 | Independent Financial Examination of Each Managing General Agent.

Section 3905.75 | Acts of Agent Deemed Acts of Insurer - Examinations.

Section 3905.76 | Prohibition.

Section 3905.77 | Penalties for Violations.

Section 3905.78 | Rights Not Limited or Restricted.

Section 3905.79 | Rules.

Section 3905.81 | Reinsurance Intermediary-Broker or Intermediary-Manager License Required - Rules.

Section 3905.83 | Surety Bail Bond Agent Definitions.

Section 3905.84 | Surety Bail Bond Agent to Be Qualified, Licensed, and Appointed.

Section 3905.841 | Persons or Classes of Persons Not to Act as Agents.

Section 3905.85 | Surety Bail Bond Agent License.

Section 3905.851 | No Imposition of Local Licensing Fees.

Section 3905.86 | Appointment of Agent by Insurer.

Section 3905.861 | Extending Appointments to Affiliated Agents.

Section 3905.862 | Expiration or Cancellation of Appointment; Fee.

Section 3905.87 | Registration of Agent With Court Clerks; List of Court-Registered Surety Bail Bond Agents.

Section 3905.88 | Continuing Education.

Section 3905.89 | Notice of Change of Principal Business Address or Telephone Number.

Section 3905.90 | Records of Surety Bonds to Be Maintained - Furnishing of Information.

Section 3905.901 | Determination of Direct Written Premiums for Bail Bonds.

Section 3905.91 | Build-Up Funds.

Section 3905.92 | Requirements for Acceptance of Collateral Security or Other Indemnity.

Section 3905.921 | Discharge of Bond Where Collateral Security or Other Indemnity Accepted.

Section 3905.93 | Bail Bond - Charges and Fees.

Section 3905.931 | Furnishing of Forms and Other Supplies.

Section 3905.932 | Prohibited Acts.

Section 3905.933 | Signing or Countersigning Agent's Name to a Bond.

Section 3905.934 | Advertising Requirements.

Section 3905.94 | License Suspension or Revocation.

Section 3905.941 | Designation of Successor Agent.

Section 3905.95 | Rules.

Section 3905.99 | Penalty.