State RegulationsOH specificDifficulty 2/5
An Ohio producer based in Cincinnati writes almost exclusively for her own household and extended family, using her life license mainly for this controlled business. Under ORC 3905.14, this pattern:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
ORC 3905.14(B) treats using a license mainly for controlled business as a disciplinary ground. Licensure exists to serve the insuring public; a producer who writes almost exclusively for her own household and relatives is effectively using the license as a private family arrangement rather than a public business, and Ohio answers with suspension, revocation, or penalty.
Why the other options are wrong
- A) Far from being encouraged, concentration on one's own family is a recognized disciplinary ground under ORC 3905.14(B).
- B) Ohio law contains no first-year safe harbor; the controlled-business ground applies throughout the life of the license.
- C) Insurer approval is irrelevant; ORC 3905.14(B) is a state disciplinary standard that no company sign-off can waive.
Memory hook
A license is for the public, not the family tree.