Oklahoma Insurance Exam Guides
Pick the license you're studying for. Each guide covers Oklahoma-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Oklahoma exam's state-law material, mapped.
Free study resource
What's actually tested on the Oklahoma exam — the state regulations, mapped
Every Oklahoma insurance exam reserves a block of questions for Oklahoma-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 109 facts from the TESTivity Oklahoma regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 13 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years — a policy is incontestable after 2 years from the date of issue during the insured's lifetime (except for nonpayment and certain riders)
- Grace period for individual life tested30 days (one month of not less than 30 days), during which the policy stays in force; an overdue premium is deducted from the proceeds if a claim arises
- Window to reinstate a lapsed policy testedWithin 3 years of premium default, on proof of insurability and payment of overdue premiums with interest (unless the policy was surrendered for cash value or the extended-term period expired)
- Max interest chargeable on reinstatement, if capped testedOverdue premiums are paid with interest at a rate not exceeding 6% per year, compounded annually
- Suicide exclusion period tested2 years — the industry-standard maximum suicide period, referenced in Oklahoma's replacement-disclosure definitions (Oklahoma does not fix a general suicide period in a dedicated statute)
- Free look for annuities testedAt least 15 days for an annuity IF the Buyer's Guide and disclosure document were not delivered at or before application (this free look runs concurrently with any other)
- Free look when a policy is being replaced testedOklahoma does not fix a separate, extended free look for replacements; the annuity 15-day free look runs concurrently with any other, and replacement rules impose notice and comparison duties instead
- Free look for long-term care tested30 days for long-term care, from delivery, for a full refund
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, and extended term insurance, under Oklahoma's Standard Nonforfeiture Law
- Registrations required to sell variable products testedVariable life and variable annuities require the Oklahoma Life line plus a Variable line of authority and FINRA registration (a CRD number; a Series 6 or 7 with a Series 63) — they are securities
- Does the state regulate viatical/life settlements? testedYes — Oklahoma regulates viatical and life settlements under the Life Settlements Act (36 O.S. §4055.1 et seq.); providers and brokers must be licensed
- Viator's rescission window testedThe viator may rescind by the earlier of 30 days after the contract is executed or 15 days after the settlement proceeds are received; if the insured dies during the rescission period, the contract is deemed rescinded
- Has the state adopted the NAIC best interest standard? testedYES — Oklahoma adopted the NAIC 2020 best interest annuity standard, effective September 1, 2023 (OAC 365:25-17), with a producer best-interest duty and a training requirement
Health 15 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES — Oklahoma expanded Medicaid by ballot measure (State Question 802), effective July 1, 2021, covering adults up to 138% of the federal poverty level through SoonerCare
- Effective date of expansion, if expanded testedJuly 1, 2021 (approved by voters as State Question 802 in June 2020)
- Agency administering Medicaid testedThe Oklahoma Health Care Authority (OHCA), which runs the SoonerCare program
- Federal marketplace or state-based exchange testedA STATE-BASED EXCHANGE on the federal platform (SBE-FP) since May 1, 2026 — Oklahoma now runs plan management and outreach while consumers still enroll through HealthCare.gov; a fully state-run exchange is planned for the 2028 plan year
- Name of the state CHIP program testedSoonerCare (Oklahoma's combined Medicaid/CHIP program); separate CHIP-funded programs include Soon-To-Be-Sooners and Insure Oklahoma
- Clean-claim payment deadline, electronic tested30 calendar days to pay a clean claim submitted electronically
- Clean-claim payment deadline, paper tested45 calendar days for a clean claim submitted on paper
- Does the state distinguish electronic vs paper claims? testedYes — Oklahoma splits the clean-claim deadline: 30 days electronic, 45 days paper
- Interest / penalty on late claim payment testedInterest of 10% per year (simple) accrues on a clean claim not paid on time; the prevailing party in litigation may recover attorney fees
- Is the IRO's external review decision binding on the plan? testedYES — Oklahoma's external review, administered by the OID and decided by a randomly assigned Independent Review Organization, is BINDING on the health carrier
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Oklahoma continuation reaches groups not subject to federal COBRA
- Employer size range covered by state continuation testedOklahoma continuation applies to group coverage not subject to federal COBRA (generally smaller groups)
- Duration of state continuation coverage testedAt least 63 days of continuation — Oklahoma's mini-COBRA is unusually brief (about 9 weeks, not the 18 or 36 months of federal COBRA); a separate loss-in-progress extension runs 3 months (basic) or 6 months (major medical)
- Election period for state continuation testedElect within 31 days of the notice
- Max premium as % of group rate testedThe continuant pays the group premium
Auto 12 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedTORT (at-fault) — the negligent driver's liability insurance pays the other party's damages. Oklahoma is NOT a no-fault state and has no mandatory PIP.
- Minimum bodily injury liability per person tested$25,000 per person
- Minimum bodily injury liability per occurrence tested$50,000 per accident
- Minimum property damage liability tested$25,000 per accident
- The memorizable shorthand (e.g. 30/60/25) tested25/50/25
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMUST BE OFFERED and rejectable in writing — every Oklahoma auto policy must offer uninsured motorist coverage, but the named insured may reject it in writing, and that rejection remains valid for the life of the policy
- Underinsured motorist status testedFolded into UM — Oklahoma treats underinsured-motorist protection as part of the uninsured motorist coverage (UM/UIM), so the single UM offer and rejection covers it
- Personal injury protection status testedNot required — Oklahoma is a tort state with no mandatory PIP (medical payments coverage is optional)
- Contributory / pure comparative / modified comparative negligence testedMODIFIED COMPARATIVE NEGLIGENCE with a 51% bar — a claimant recovers (reduced by their share) only if their negligence is NOT of a greater degree than the defendant's; a claimant whose fault is greater than the other party's recovers nothing, so a claimant exactly 50% at fault still recovers
- The bar percentage, if modified comparative tested51% bar — a claimant whose fault is greater than the defendant's recovers nothing (a claimant exactly 50% at fault still recovers)
- Assigned risk / residual market plan for auto testedThe Oklahoma Automobile Insurance Plan (OAIP) — the assigned-risk plan for drivers who cannot obtain coverage voluntarily (administered through AIPSO)
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedOklahoma's Compulsory Insurance Law requires liability coverage, verified through a live online insurance verification system; proof-of-security alternatives include a cash or securities deposit or approved self-insurance
CE & Renewal 10 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal tested2 years (biennial), expiring on the last day of the licensee's birth month
- What the renewal date keys off (flat term / birthday / birth year) testedBirthday-based — the license expires on the last day of the licensee's birth month, on a 2-year cycle; renewal opens about 90 days before expiration
- CE hours per renewal period, standard case tested24 CE hours per 2-year term — 3 hours ethics, 2 hours legislative update, and 19 hours general
- CE hours if holding multiple license types (if different) tested24 total each cycle — a single requirement covering all lines held; it is not stacked per line
- Ethics hours required per period tested3 hours of ethics each cycle, plus a distinctive 2-hour legislative-update requirement
- Limits on who may provide CE credits testedOnly Oklahoma-approved courses count; the same course may not be repeated within a 24-month period, and up to 6 excess hours carry forward to the next period
- Initial long-term care training requirement testedLong-term care sales require an 8-hour initial LTC Partnership course and a 4-hour LTC Partnership course each renewal; annuity sales require Annuity Best Interest training (OAC 365:25-17-7.1)
- What happens if CE is not completed (fine / expiry / cancellation) testedA producer must show 'CE compliant' status before the online renewal will process (finish CE at least 3 business days early). A late or incomplete renewal costs double the current license fee.
- Late renewal / reinstatement tiers testedA late renewal requires a fee of double the current license fee; an expired license cannot simply be renewed — the licensee must go through the OID 'Reactivate an Expired License' process
- Any CE exemption (e.g. long-service agents) testedNonresident producers are exempt from Oklahoma CE — CE is satisfied by meeting the home state's requirement (reciprocity)
Property 6 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedCOMPETITIVE / file-and-use — insurers file rates, loss costs, and manual rules with the Commissioner under Oklahoma's competitive rating system, rather than obtaining prior approval
- Is insurance credit scoring permitted in personal lines? testedPERMITTED but RESTRICTED — an insurer may not deny, cancel, nonrenew, or rate a personal-lines policy SOLELY on the basis of credit, and a scoring model may not use income, gender, address, ZIP, ethnicity, religion, marital status, or nationality
- Does the state have a FAIR Plan? testedNO — Oklahoma has NO FAIR Plan; its residual mechanism is the Oklahoma Market Assistance Program (OK-MAP), a referral program that does not itself issue policies
- Dominant catastrophe perils in the state testedTornadoes and severe thunderstorms with hail and straight-line wind (Oklahoma sits in Tornado Alley), induced earthquakes (from wastewater injection), and wildfire — earthquake coverage is a separate add-on the homeowner may decline
- What license you must already hold to write surplus lines testedA surplus lines broker license; coverage may be placed only with an eligible unauthorized (surplus lines) insurer
- Is a diligent-effort search of the admitted market required first? testedYes — a diligent search of the admitted market (documented declinations from authorized insurers) must fail before a broker may place coverage with an eligible surplus lines insurer
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedThe Oklahoma Life and Health Insurance Guaranty Association
- Life death benefit limit tested$300,000
- Life cash surrender / withdrawal value limit tested$100,000 net cash surrender value
- Annuity benefit limit tested$300,000 present value of annuity benefits (higher than the NAIC model's $250,000)
- Health benefit limit tested$500,000 for a health benefit plan (major medical); $300,000 for disability income or long-term care; $100,000 for other/basic health
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual life (up to $500,000 where a health benefit plan is involved)
- Does the state follow the standard NAIC model limits? testedBroadly yes — Oklahoma follows the NAIC model ($300,000 death benefit, $100,000 cash value, tiered health, $300,000 aggregate), with the annuity limit set higher at $300,000 (the model is $250,000)
- Name of the P&C guaranty association testedThe Oklahoma Property and Casualty Insurance Guaranty Association (OPCIGA)
- Per-claim cap testedUp to $150,000 per claimant on a covered claim (workers' compensation claims are paid in full; returned unearned premium is capped at $10,000 per policy)
- Is using the guaranty association as a sales inducement prohibited? testedYes — using the existence of the guaranty association to advertise, solicit, or induce the purchase of insurance is prohibited
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — workers' compensation is mandatory for essentially all private employers with one or more employees, subject to limited statutory exemptions
- Employee count at which coverage is required testedCoverage is required once an employer has one or more employees, with limited exemptions (e.g., certain sole proprietors, partners, some agricultural, domestic, and licensed real-estate workers)
- Agency administering workers' compensation testedThe Oklahoma Workers' Compensation Commission — an ADMINISTRATIVE agency (Oklahoma moved from a court-based system to the administrative system on February 1, 2014)
- Temporary total disability wage replacement rate tested70% of the employee's average weekly wage, capped at the state average weekly wage (after a 3-day waiting period)
- Maximum TTD duration testedTemporary total disability is capped at 156 weeks (with up to an additional 52 weeks for a consequential injury on clear and convincing evidence)
- Deadline to file a claim tested1
- Ways an employer may comply (insure / self-insure / group) testedBuy from a private insurer, from CompSource Mutual Insurance Company (the former state fund, privatized into a mutual in 2015), or qualify as an approved self-insurer ('Own Risk') — Oklahoma is NOT a monopolistic state
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Oklahoma Insurance Department (OID)
- Title of the person who heads it testedInsurance Commissioner
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedELECTED by the people of Oklahoma to a 4-year term (with an 8-year lifetime cap) — a statewide constitutional office, not appointed
- Where the state's insurance law is codified testedTitle 36 of the Oklahoma Statutes (Insurance), with producer licensing in the Oklahoma Producer Licensing Act (36 O.S. §1435.1 et seq.); rules are in Title 365 of the Oklahoma Administrative Code
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — the Insurance Department is a standalone department; what is unusual is that its Commissioner is a statewide ELECTED constitutional officer
Cancellation 8 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested45 days — a homeowners policy's first-claim protection attaches once it has been in force more than 45 days, and an insurer must accept or deny an application within 45 business days
- Notice days to cancel a homeowners policy inside the initial window testedAt least 10 days' written notice to cancel a homeowners policy
- Notice days to cancel a personal auto policy inside the initial window testedAt least 10 days' written notice to cancel a personal auto policy
- Notice days for cancellation for nonpayment tested10 days' notice for cancellation for nonpayment of premium (the general 10-day cancellation minimum applies)
- Notice days for cancellation for other permitted causes testedAt least 10 days for cancellation of a personal auto or homeowners policy; personal-lines cancellation is also constrained by Oklahoma's prohibited-basis rules
- Notice days required for nonrenewal testedAt least 20 days' notice to nonrenew a personal auto policy, and at least 30 days for a homeowners policy
- Must the reason be stated proactively, on request, or not at all? testedOn request — Oklahoma enforces valid, non-prohibited reasons through its consumer-protection statutes; a policyholder may request the reason, and the insurer may not rely on prohibited bases (credit alone, a first claim, weather claims, not-at-fault accidents, or stale/dismissed traffic records)
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedStrong protections: an insurer may not cancel, nonrenew, or surcharge a homeowners policy in force more than 45 days solely because of a FIRST claim; weather-related claims may not generate a surcharge; a claim INQUIRY (without a filed claim) cannot be used; and a not-at-fault auto accident cannot be used to cancel, nonrenew, or surcharge
Licensing 23 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a standalone Life exam and line of authority (Life includes annuities)
- Is there a standalone health license/exam? testedYes — a standalone Accident & Health or Sickness exam and line of authority
- Is there a combined life+health license/exam? testedYes — Oklahoma offers a combined Life, Accident & Health or Sickness exam and license, in addition to the individual Life and Accident & Health exams
- Is there a personal lines license/exam? testedYes — a Property & Casualty – Personal Lines Only license and exam, for property and casualty sold to individuals
- Is P&C one combined license, or split into Property and Casualty? testedBoth — Oklahoma offers a combined Property & Casualty license AND separate Property and Casualty licenses, plus a Property & Casualty – Personal Lines Only option
- Does the life license cover annuities? testedYes — annuities are sold under the Life line (no separate annuity license). Producers who sell annuities must complete Annuity Best Interest training. VARIABLE life and annuities require the Variable line plus FINRA registration.
- Does the P&C license already include personal lines authority? testedYes — the combined Property & Casualty license covers personal-lines risks; the Personal Lines Only license is a narrower, personal-only authority
- Full list of exam-based agent license types testedOklahoma producer lines include Life · Accident & Health or Sickness · combined Life, Accident & Health · Property & Casualty (combined or separate Property and Casualty) · Personal Lines Only — plus Title, Aircraft Title, Bail Bondsman, and Variable (with FINRA registration)
- Exam administrator (Prometric / PSI / Pearson VUE) testedPSI Services (PSI) administers Oklahoma producer exams under contract with the OID (PSI replaced Prometric on February 16, 2023)
- Exam fee tested$38 per producer exam (each line)
- License application fee tested$60 for a resident producer license (biennial); a nonresident producer license is $100
- Fee per insurer appointment tested$30 per insurer appointment, per year
- Passing score tested70%
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedNO — Oklahoma does not require pre-licensing education for insurance producers; candidates may self-study and sit the exam directly (only Bail Bondsmen must complete 16 hours)
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — Oklahoma requires no pre-licensing course for producers; the statutory requirements are age 18, no disqualifying acts, fees paid, and passing the exam. (Bail Bondsmen must complete 16 hours.)
- Fingerprints, state police report, or none testedCharacter review through the application's disclosure questions — Oklahoma does NOT require fingerprinting for producer applicants (only Bail Bondsmen are background-checked). An applicant with a disqualifying felony must obtain a federal 1033 waiver before licensure.
- Deadline to apply after passing the exam testedApply through NIPR after passing — wait 3 business days for the score to post; Oklahoma does not publish a fixed post-pass application deadline
- Waiting period before retaking a failed exam testedNo waiting period and no limit — Oklahoma exams are open eligibility; you cannot rebook the same day you tested, but may retest as early as the next available day
- Notice required to reschedule/cancel without forfeiting the fee testedCancel or reschedule at least 2 days before the exam to avoid forfeiting the fee (voicemail and email are not accepted)
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com) — Oklahoma uses NIPR for producer applications and renewals; paper applications are not accepted
- Are temporary licenses available? testedYes — but only in limited hardship situations (death or disability of a producer or a business entity's designated individual, or a producer entering active military service, or where the public interest is served); it terminates if the applicant fails the required exam
- Temporary license duration and training requirement testedUp to 180 days (renewable once for good cause), with no exam, issued only to service an existing insurance business; the fee is $20