Oklahoma Casualty Insurance Exam 2026

The Oklahoma Casualty Producer License

Casualty is the fourth line of authority at 36 O.S. Sec. 1435.8(A) and covers liability - the third-party side of property and casualty insurance. Oklahoma issues it standalone with its own PSI paper, or you can take it together with Property on one combined exam for the same fee.

The line matters in Oklahoma for a reason that is partly geographic. This is a severe-weather state with a large commercial trucking corridor, a compulsory auto insurance law verified through a live online system, and an administrative workers' compensation system that was rebuilt from scratch in 2013. Much of what a national course teaches about auto and workers' compensation is either out of date in Oklahoma or was never true here.

Getting in is straightforward. 36 O.S. Sec. 1435.7(A) asks for age 18, competence and trustworthiness, no disqualifying conduct under Sec. 1435.13, the fees, and a passing score - no coursework, no prints.

One duty attaches to you by name once licensed. 36 O.S. Sec. 1435.13a is captioned "Property and casualty insurance producers - Fiduciary duties," and it treats premiums you hold in a fiduciary capacity, bars commingling with your personal funds, and sets four clocks: remit collected premiums less commission by the contractual due date or, absent one, within 45 days; return unearned premiums within 30 days of receipt or credit; an insurer must report you if your accounting is delayed more than 90 days; an insurer must remit unearned premiums within 45 days of a cancellation. Conversion of more than $150 - or any second offence - is a felony.

Casualty Alone, or Property and Casualty Together

The standalone Casualty paper is 75 scored questions in 120 minutes at $38. The combined Property & Casualty paper is 150 scored questions in 150 minutes, also $38, and carries both lines.

Casualty and Property are tied for the most generous pace of the seven general-lines producer papers (the full grid also carries Title, Aircraft Title and Bail Bondsman) - 96 seconds a question, against 72 on the three 100-question papers and 60 on the two combined ones. If Oklahoma law is the part you are least sure of, that extra half-minute per item is worth something.

Neither number appears in the candidate bulletin. Near the end of the 7/1/2026 bulletin sits a table headed "Effective 8/1/2026" whose rows link out to a separate content outline per exam, hosted on a different PSI domain, and the counts and time limits live only there. The bulletin's own text on unscored items reads "a small number (5 to 10) of experimental questions may be administered"; the outlines say "plus 5 unscored." Both are current PSI documents, so expect 80 to 85 questions on screen and a score computed on 75.

Passing is 70% correct - a raw percentage, so 53 of the 75 scored items. Attempts are unlimited under open eligibility; you cannot rebook the same day you tested, but you can call the next day and sit the day after.

Book either format at the same portal: a PSI test centre - fifteen sites across eleven Oklahoma cities, listed in the Property guide - or a remote proctor at home, walked in the Health guide. Same fee, same questions, same standard.

Most Tested Topics on the Oklahoma Casualty Exam

Oklahoma's auto and workers' compensation law carries several rules that either changed on a specific date or run opposite to the national baseline. From the TESTivity Oklahoma regulations curriculum, statute-verified:

Two of these decide more points than the rest. The first is the UM rejection, and it is the shape of the rule rather than the number that gets tested. In most states a rejection of uninsured motorist coverage has to be renewed, re-offered or re-signed on some triggering event. Oklahoma writes the opposite into the statute, twice over: the rejection "shall remain valid for the life of the policy" through renewal, reinstatement, substitution, replacement and amendment, and the insurer "shall not be required to notify any insured in any renewal" that the coverage is available. Learn it as a pair. And remember there is nothing separate called UIM in Oklahoma - underinsured protection lives inside the definition of an uninsured motor vehicle, so an item asking whether Oklahoma requires an offer of UIM is answered through that definition.

The second is 36 O.S. Sec. 3629(B), which is probably the most distinctive claims provision in the Oklahoma code and comes with a trap attached. It gives a policyholder a statutory 15% per annum on the verdict plus a prevailing-party fee shift, and it defines the prevailing party by a mechanic borrowed from offer-of-judgment practice: if the judgment does not exceed the insurer's written settlement offer, the insurer prevails and the fees run the other way. Then the last sentence takes it all away from the one coverage Oklahomans litigate most - "This provision shall not apply to uninsured motorist coverage." A candidate who learns the 15% without the carve-out will answer a UM item confidently and wrongly.

On workers' compensation, the reliable exam target is the sequence of dates, because so much national material is stale. 1 February 2014: adjudication moved from a court to the administrative Workers' Compensation Commission. 1 January 2015: CompSource Oklahoma, the state fund, became CompSource Mutual Insurance Company, expressly not a state agency - so any material describing "the state workers' compensation fund" has been wrong for over a decade. 13 September 2016: Vasquez v. Dillard's struck down the employer opt-out. Hold all three and you will not be caught by a question written from a pre-reform outline.

Oklahoma's Background Questions - What Gets Asked, and Why There Are No Fingerprints

Oklahoma is one of a small number of states that does not fingerprint resident insurance producer applicants, and the absence is easy to disbelieve, so it is worth showing the evidence rather than asserting it. 36 O.S. Sec. 1435.7(A) sets out the four findings the Commissioner must make before approving a resident producer application - that the applicant is at least 18; has not committed any act that is a ground for denial, suspension or revocation under Sec. 1435.13; has paid the fees; and has passed the examinations for the lines applied for. Subsection C adds the character test, that the applicant "is competent, trustworthy, financially responsible, and of good personal and business reputation." There is no fingerprint step, no criminal-history record check and no background investigation in either. NIPR's own Oklahoma resident licensing checklist - the operational document a national licensing utility maintains, and which names fingerprint vendors for every state that requires one - does not contain the word "fingerprint" anywhere.

A background check does exist in Oklahoma, and the candidate bulletin scopes it to exactly one license class: "Oklahoma requires that all Bail Bondsman candidates undergo a background check, which will be handled by the Oklahoma Insurance Department." Not a third-party vendor, not IdentoGO or Fieldprint, and not producers.

What Oklahoma does instead is ask you. The screening mechanism is the Uniform Application's background questions, answered under your own signature. They cover the ground you would expect: criminal history including misdemeanours and felonies whether or not adjudication was withheld; pending charges; administrative action taken against any professional or occupational licence in any jurisdiction; involvement in a bankruptcy or business failure; unpaid judgments or liens including unpaid state income tax; child-support arrears; and termination of an appointment for cause. Where any answer is yes, you upload the supporting documents through NIPR's Attachments Warehouse rather than mailing them.

Answer them accurately, because the questions are themselves a licensing ground. 36 O.S. Sec. 1435.13(A) lists sixteen grounds on which the Commissioner may place on probation, censure, suspend, revoke or refuse a licence, and the first is "providing incorrect, misleading, incomplete or materially untrue information in the license application." A disclosed problem is very often survivable; an undisclosed one is a separate and independent violation. Three of the sixteen grounds are Oklahoma additions that national material does not carry: failing to comply with a child-support order; failing to pay state income tax or to comply with any administrative or court order directing payment; and failing to respond to an inquiry from the Department as required.

If there is a felony involving dishonesty or breach of trust in your past, deal with it before you book the exam. 36 O.S. Sec. 402 is Oklahoma's state-law counterpart to 18 U.S.C. Sec. 1033 and prohibits such a person from engaging in the business of insurance, with a civil penalty of "not more than Ten Thousand Dollars ($10,000.00) for each act of violation and for each day of violation." Subsection B is the route through: the person may engage in the business "if such person has the written consent of the Insurance Commissioner." OID runs this as a 1033 Waiver Application, filed by mail or in person with the Licensing Division's 1033 Review unit and decided by a 1033 Review Committee "in the order upon which they're received." The sequence on OID's own page is the part worth memorising: if the waiver is approved, the candidate may then sit the exam and apply for licensure. Waiver first, exam second, application third. Sitting the exam before the waiver risks a $38 fee on an application that cannot be approved.

And if you are not sure whether your history is disqualifying, there is a way to ask first. OID operates a separate Predetermination Process for applicants with a criminal history who want an advance eligibility ruling before spending money on an exam. It is a distinct route from the 1033 waiver and worth using where the answer is genuinely unclear.

What happens to the answers after you are licensed. The Commissioner keeps jurisdiction over you even if you walk away - Sec. 1435.13(F) preserves authority "even if the person's license or registration has been surrendered or has lapsed by operation of law." A licence action reaches your carriers automatically under Sec. 1435.13(H), which requires the Commissioner to "promptly notify all appointing insurers." And the licensing consequence of an entity's employee misbehaving is a knowledge-plus-failure-to-cure test rather than vicarious liability: Sec. 1435.13(C) puts an agency's licence at risk only where a partner, officer or manager "knew or should have known" of the violation "and the violation was neither reported to the Insurance Commissioner nor corrective action taken."

The civil penalty, for scale. A producer's exposure under Sec. 1435.13(D) is "a civil fine of not more than One Thousand Dollars ($1,000.00) for each occurrence" - materially lower than the NAIC-typical $5,000, and lower than Oklahoma's own $5,000 ceiling for an insurer under the Unfair Claims Settlement Practices Act. Do not merge the two figures; they apply to different actors.

What the Oklahoma Casualty License Costs

$38 for the Casualty exam and $60 for the biennial resident producer license, plus NIPR's transaction fee - about $98 on a first-attempt pass.

No pre-licensing course to buy and no fingerprint fee to pay, because Oklahoma requires neither of producers. In states that require both, those two items typically run several hundred dollars.

If Property is in your plans too, the combined Property & Casualty paper is the same $38 and carries both lines - cheaper than two single-line exams and one appointment instead of two.

Retakes are $38 with no cap. A missed or late-cancelled appointment costs the full fee: PSI needs notice at least two days before, and forfeiture also applies if you are not checked in by your scheduled start time or cannot present proper identification.

Renewal is $60 every two years; late is "double the original fee." Appointments are separate and are not your bill - 36 O.S. Sec. 1435.23 charges $30 annually per appointed producer to the insurer, not to you. (The $20 figure in the same section is for filing the appointment of the Insurance Commissioner as agent for service of process, which is a nonresident matter and a different thing entirely.)

Eligibility Requirements

36 O.S. Sec. 1435.7(A) sets four findings: at least 18; no act constituting a ground under Sec. 1435.13; fees paid; and the examinations passed. The character test - competent, trustworthy, financially responsible and of good personal and business reputation - is in subsection C.

No pre-licensing education is required, and OID says so affirmatively rather than by silence: "The OID does not require nor regulate Pre-Licensing Education." The fifteen exam-prep providers OID lists are voluntary.

No fingerprints and no criminal-history record check - see the background-questions section above for how Oklahoma screens instead, and for the 1033 waiver route if you have a felony involving dishonesty or breach of trust in your history.

No designation waives an Oklahoma exam. Neither 36 O.S. Sec. 1435.10 nor OAC 365:25-3-16 names CPCU, ARM, AAI, CIC, ACSR or any other designation. The complete exemption list is limited lines producers; surplus lines brokers; a pre-1 November 2006 title producer moving to aircraft title; a producer who relocates here and applies within 90 days of establishing legal residence; and federally certified multi-peril crop adjusters.

The relocation waiver is worth quoting because it is broader than most: Sec. 1435.10(B) requires "no examination or continuing education" of a producer who moves to Oklahoma and applies within 90 days, "for any line of authority held by the licensee in the prior state on the date legal residency was established."

Temporary licences are available in hardship situations only - death or disability of a producer or of a business entity's designated individual, a producer entering active military service, or where the Commissioner finds "the public interest will best be served." Up to 180 days, renewable once, but never effective for more than six months in total. The fee is $20.

Keeping the Oklahoma Casualty License

Biennial, expiring the last day of your birth month, with 24 CE hours per cycle - 19 general, 3 ethics, 2 legislative update. Renewal opens roughly 90 days out, online only, and CE should be finished 30 days before expiration.

No product-specific training gate attaches to the Casualty line. Oklahoma's two gates are annuity best-interest training (Life line) and long-term care training (Life or Accident & Health line). There is no flood training requirement in Oklahoma at all - the one-hour flood CE requirement was removed effective 15 September 2019 and flood courses now count as general elective credit only.

The rules that do bind a casualty producer day to day are the fiduciary ones at 36 O.S. Sec. 1435.13a - 45 days to remit premiums absent a contractual due date, 30 days to return unearned premiums, and a $150 felony threshold on conversion - and the three-year record-keeping duty at Sec. 1435.13(E).

One more that is easy to trip over as an agency grows: 36 O.S. Sec. 1435.21 bars using a licence to write controlled business, and Oklahoma's threshold is half the usual. The presumption bites where "during any twelve-month period the aggregate commissions earned from controlled business has exceeded twenty-five percent (25%)" of total commissions - a rolling window, not a policy year, and "has exceeded" means strictly more than 25%. Controlled business reaches insurance on the interests of the licensee, relatives to the second degree, the licensee's employer, and entities in which the licensee or an immediate family member is an officer, director, substantial stockholder, partner, associate or employee. Title insurance producers and limited lines producers are exempt from the whole section.

And a rebating rule with an Oklahoma gloss worth knowing: OID Bulletin 2025-01 (17 January 2025) takes the position that any returned commission that benefits the insured violates 36 O.S. Sec. 1204(8)(a) - whether the arrangement is producer-to-insured or producer-to-insurer. Some states tolerate a commission rebate to a client; Oklahoma's regulator has closed that door in writing. Note by contrast that Oklahoma's gift ceiling is unusually generous: Sec. 1204(10)(d) prohibits prizes, goods, wares, merchandise or tangible property "of an aggregate value in excess of One Hundred Dollars ($100.00)," where most states sit at $25. Read the operator - exactly $100.00 is permitted.

If it lapses: reinstatement without re-examination within twelve months of the renewal due date at double the unpaid fee, administered by OID as a fresh initial application, with CE compliance required at least 48 hours before you submit.

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