State RegulationsOH specificDifficulty 1/5
A person sells accident and health policies in Ohio without the required license. Under ORC 3905.99(D), selling, soliciting, or negotiating insurance without a license is classified as:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3905.99(D) classifies selling, soliciting, or negotiating insurance without the required license as a misdemeanor of the first degree. Because ORC 3905.02 makes licensure the gateway to transacting insurance, unlicensed activity is not merely a civil slip — it is a criminal offense in Ohio.
Why the other options are wrong
- A) The offense is a misdemeanor, not a felony, under ORC 3905.99(D).
- B) It is a criminal misdemeanor, not merely a civil violation punishable by fine alone.
- D) A first-degree misdemeanor is a serious offense under Ohio law; it is not a minor infraction without possible penalties.
Memory hook
No license means a first-degree misdemeanor.