Oklahoma Life & Health Insurance Exam 2026

The Oklahoma Life, Accident & Health Producer License

Oklahoma runs Life and Accident & Health as separate lines of authority at 36 O.S. Sec. 1435.8(A)(1) and (A)(2), and offers a combined examination that carries both. PSI lists it as "Life, Accident & Health or Sickness" and prices it at $38 - identical to either single-line paper.

That pricing is the whole argument for taking it. Two single-line exams cost $76 across two appointments for 200 scored questions; the combined paper costs $38 in one appointment for 150. Unless you are certain you will never need one of the two lines, the combined paper is cheaper, faster, and leaves you with the broader authority.

Annuities travel with the Life line - there is no separate annuity licence in Oklahoma - and Medicare Advantage and Part D travel with Accident & Health under OAC 365:25-3-18. Variable life and variable annuities are their own line at Sec. 1435.8(A)(5) and need FINRA registration as well, so the combined paper does not reach them.

The way in is short: 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. Oklahoma requires no pre-licensing course and does not fingerprint producer applicants, which puts the whole path at roughly $98 and a few weeks.

The Combined Paper, or Two Single-Line Exams

The combined Life, Accident & Health or Sickness paper is 150 scored questions in 150 minutes. Each single-line paper - Life or Accident & Health or Sickness - is 100 scored questions in 120 minutes. All three cost $38.

The trade is pace. The combined paper gives you 60 seconds a question; the single-line papers give you 72. That is a real difference over two and a half hours, and it is the argument for splitting if Oklahoma statutes are the part you are least confident in. It is the only argument for splitting, though - on every other axis the combined paper wins.

None of these counts is in the candidate bulletin. Near the end of the 7/1/2026 bulletin sits a table headed "Effective 8/1/2026" whose rows are hyperlinks out to a separate examination content outline per exam, hosted on a different PSI domain, and the question counts and time limits live only in those outlines. The bulletin's own statement about unscored items reads "a small number (5 to 10)"; the outlines say "plus 5 unscored." Both are current PSI documents, so plan on 155 to 160 questions appearing and 150 being scored.

Passing is 70% correct - the bulletin's exact words are "You must get 70% correct to pass," which makes it a raw percentage rather than a scaled score. On the combined paper that is 105 of the 150 scored items. Attempts are unlimited: "Oklahoma Insurance examinations are open eligibility. You may test unlimited until you pass."

PSI Services took over from Prometric on 16 February 2023. Prometric's 2019 Oklahoma handbook is still live on the open web and still surfaces in search; if the document in front of you has Prometric's name on it, it has been wrong for three and a half years.

Most Tested Topics on the Oklahoma Life & Health Exam

The combined paper draws its Oklahoma-specific marks from three clusters: the guaranty association's dollar limits, the replacement scheme, and the several different free-look periods the state runs at once. From the TESTivity Oklahoma regulations curriculum, statute-verified:

The guaranty numbers repay careful reading because Oklahoma buries its exceptions inside sentences. The aggregate is "$300,000 with respect to any one life" - and then, in the same sentence, "except with respect to health benefit plans ... in which case the aggregate liability of the Association shall not exceed $500,000 with respect to any one individual." A generic course teaches a flat $300,000 aggregate and stops. Worse, the $5,000,000 figure gets mistaken for a bigger aggregate-per-life number when it is nothing of the kind: it is a cap on what the Association will pay one owner across multiple non-group life policies, written expressly to reach a corporation insuring its officers and employees. Per owner, not per life, regardless of how many policies.

The replacement cluster is where Oklahoma's structure, rather than its numbers, does the testing. Most states put life replacement in a regulation modelled on the NAIC form. Oklahoma put it in the statute book, as Secs. 4032 to 4037, and left the neighbouring-looking regulation - OAC 365:10-5-7, "Requirements for replacement" - sitting inside the accident and health minimum-standards part where it governs A&H replacement only. Two consequences follow. First, an item asking where Oklahoma regulates life replacement is answered with a statute. Second, the 20-day free look on a replacement is statutory, and it is longer than the 10-day general free look - which is the opposite of the intuition that the general rule should be the more generous one.

Then the two five-day clocks in Sec. 4034, which are worth reading rather than assuming. Both say five days and both run from the same event - "receipt of the application by the insurer." Subsection C makes the replacing insurer review the replacement statement before it starts underwriting, within five days of receiving the application. Subsection E makes it notify each replaced insurer's home office, within five days of receiving the application. The natural guess is that the review clock runs from the statement, because it is the statement being reviewed. It does not. Read the trigger, not the object.

Finally, hold the free-look periods as a set keyed to instrument and product, because Oklahoma will give you a fact pattern and expect you to pick the right one: individual life or annuity, ten days, by statute; individual accident and health, ten days, by rule; Medicare sold by direct response, thirty days, by the same rule; long-term care, thirty days, by statute; a life or annuity replacement, at least twenty days, by statute; and an annuity sold without the Buyer's Guide and disclosure document at or before application, at least fifteen days, by rule (OAC 365:25-19-5(a)(3)) - that sixth one sits on top of the statutory ten rather than replacing it.

Exam Day in Oklahoma - Check-In, ID and the Rules in the Room

Arrive fifteen minutes early. The bulletin's instruction is plain: "On the day of the examination, you should arrive 15 minutes before your appointment." That window is for check-in, identification and the security screen, not for finding parking. It matters more here than in most states because of what happens if you miss it - see the forfeiture list below.

Bring one form of identification. "To gain admission to the Test Center, you must present (1) form of identification. The form of identification must be government issued, current and include your name, signature, and photograph. No form of temporary identification will be accepted." One document, not two - which is worth noting, because several PSI programmes in other states require two and candidates who have tested elsewhere arrive expecting to need a backup.

The accepted list runs to eight items, and a driver's licence is the first of them:

Read the two qualifiers carefully. Current rules out an expired licence, which is the single most common reason an Oklahoma candidate is turned away. And a learner's permit counts only in plastic-card form with both a photograph and a signature - the paper interim document issued while a card is in the post does not qualify, because that is precisely what "no form of temporary identification" excludes.

Four ways to forfeit the entire examination fee. The bulletin lists them together and they are worth learning as a set, because only the first is about cancelling: you do not cancel at least two days before the scheduled date; you do not appear; you are not checked in by your scheduled start time; or you do not present proper identification. That third one is why fifteen minutes early is the instruction rather than a suggestion - arriving at your start time is not the same as being checked in by it. And note that voicemail and email are not accepted channels for a cancellation.

What may not come into the room. Reference materials of any kind; all electronic devices, including phones, cameras, tablets and smartwatches; bulky clothing; backpacks, briefcases, purses and wallets; notebooks and pens; reading materials; food, drinks and gum; smoking products. Religious headgear is the stated exception.

What counts as prohibited conduct. Giving or receiving assistance of any kind; copying examination content; using outside resources; browsing the internet; reading questions aloud; leaving the testing area without approval; instant messaging; photographing any part of the examination; and obstructing the proctor's view. The last two apply with particular force to a remote sitting, where the camera is the proctor's only view of the room.

If you test remotely, the rules tighten in two specific ways worth deciding about in advance: there is no scratch paper at all, and there are no breaks. On a 150-minute combined paper that is two and a half hours in one seat, in frame, without anything to write on. You also may not change your computer or your space once you have started, and the room must be adequately lit with the webcam properly positioned. If your method for working through a policy-provision comparison involves a pen, book a centre.

Afterwards. PSI scores the exam at the centre and tells you before you leave. A pass reaches OID electronically within 48 hours, and both PSI and OID tell you to allow 3 business days before filing your application so the result posts to NIPR and SBS. A fail cannot be rebooked the same day, but can be rebooked the next day for a sitting as early as the day after.

Oklahoma Temporary Producer Licenses

Oklahoma issues a temporary insurance producer licence without examination, but only to keep an existing book of business serviced when something has happened to the producer running it. It is not a route into the profession, and it cannot be used as one.

Who qualifies - 36 O.S. Sec. 1435.12 names four categories:

How long it lasts, and the cap that overrides the number. The statute says a temporary licence may run "not to exceed one hundred eighty (180) days," and that "The Commissioner, in his discretion, may renew the license once upon proper application and for good cause." But read the next sentence before you do the arithmetic: "No license issued pursuant to the provisions of subsection A of this section shall be effective for more than six (6) months." So one renewal does not buy you a second 180 days. The outer limit is six months, and the renewal is what gets you from an initial shorter term up to it.

What it costs. $20.00, under 36 O.S. Sec. 1435.23. OID's fee schedule lists it as "Temporary - Special Circumstance - $20.00 - 180 days after issue."

What it is for. The through-line in all four categories is servicing an existing business, not building a new one. The first three are hardship cases - a death, a disability, a deployment - where a book of clients would otherwise be stranded with nobody licensed to service it. The fourth, the public-interest limb, is the Commissioner's discretion and is used sparingly.

What it is not. It is not a provisional or trainee licence, and Oklahoma has none. That is worth saying because the state's Administrative Code still carries the section numbers where such a thing used to live: OAC 365:25-3-1.1 ("Application for resident producer license"), 365:25-3-1.2 ("Provisional producer licensees") and 365:25-3-1.3 ("Approved insurance company training program") are all marked [REVOKED] in the current code. The headings survive in the index; the rules do not. Anyone citing a provisional-licence route in Oklahoma is citing a revoked rule.

And it is not the route for a producer moving here from another state. That is a different provision and a much better one - 36 O.S. Sec. 1435.10(B) requires "no examination or continuing education" of a producer who moves to Oklahoma and applies within 90 days of establishing legal residence, for any line of authority held in the prior state on that date. The Property & Casualty guide walks that route in full.

What the Oklahoma Life & Health License Costs

$38 for the combined exam and $60 for the biennial resident producer licence, plus NIPR's transaction fee - about $98 on a first-attempt pass, for both lines of authority.

That is the same total as any single-line path in Oklahoma, because the exam fee does not vary by paper and the licence fee is charged per licence rather than per line. OID's fee schedule bills it as "Producer (Agent) - General LOAs - 60.00 - Biennial," a single flat charge.

There is no pre-licensing course to buy and no fingerprint fee, because Oklahoma requires neither of producers.

Retakes are $38 with no cap and no waiting period beyond one day. The costly mistake is a missed or late-cancelled appointment - PSI needs at least two days' notice, and the forfeiture is the whole fee.

Renewal is $60 every two years. A late or incomplete renewal is "double the current original license fee" under 36 O.S. Sec. 1435.23, so $120 - a doubling rather than a flat late charge, which is worth budgeting for if a lapse is looming.

One fee that is not yours: appointments cost $30 annually per appointed producer and are payable by the insurer, not by you. Do not confuse that with the $20 in the same section, which is for filing the appointment of the Insurance Commissioner as agent for service of process and applies to nonresidents.

Eligibility Requirements

36 O.S. Sec. 1435.7(A) in full - four findings: at least 18 years old; "has not committed any act that is a ground for denial, suspension or revocation set forth in Section 1435.13"; "has paid the fees set forth in Section 1435.23"; and "has successfully passed the examinations for the lines of authority for which the person has applied." The character test lives one subsection down, at Sec. 1435.7(C): an applicant "shall demonstrate to the Insurance Commissioner that the applicant is competent, trustworthy, financially responsible, and of good personal and business reputation."

No pre-licensing education. OID says so affirmatively: "The OID does not require nor regulate Pre-Licensing Education." Note that 36 O.S. Sec. 1435.29 is captioned "Prelicensing and continuing education" while its operative text contains no prelicensing provision at all - a vestigial heading that will mislead anyone who cites the section by title.

No fingerprints, no criminal-history record check, no background investigation for a resident producer. NIPR's Oklahoma resident checklist does not contain the word "fingerprint" anywhere. Oklahoma screens through the Uniform Application's background questions instead; the Casualty guide covers what they ask.

No designation waives an Oklahoma exam. Neither 36 O.S. Sec. 1435.10 nor OAC 365:25-3-16 names CLU, ChFC, CFP, FLMI, LUTCF, RHU, REBC, HIA, CEBS or any other - which is worth checking against any state guide that publishes a generic list. The complete exemption list in the rule is limited lines producers; surplus lines brokers; a pre-1 November 2006 title producer moving to aircraft title; a producer relocating from another state who applies within 90 days; and federally certified multi-peril crop adjusters.

Temporary licences are available only in the hardship situations set out above, and there is no provisional or trainee licence - the rules that once created one are marked revoked in the current Administrative Code.

Keeping the Oklahoma Life & Health License

Biennial, expiring the last day of your birth month. OID's fee schedule states the mechanic - individual licences "pro-rate or short-rate to renew biennially on the last day of the licensee's birth month" - and 36 O.S. Sec. 1435.36 supplies the authority: licences "shall continue in force not longer than twenty-four (24) months," with renewal dates staggerable at the Commissioner's discretion and the biennial fee adjusted to match.

24 hours, assembled from two instruments. The statute, 36 O.S. Sec. 1435.29(A)(1), requires "not less than twenty-one (21) clock hours of continuing insurance education" plus "three (3) clock hours of ethics." The rule, OAC 365:25-3-1, adds that at least two hours must be state or federal legislative updates - and OID carves those two out of the statutory 21 rather than adding them on top. So the working split is 19 general + 3 ethics + 2 legislative update = 24, and a producer who reads only the statute never learns that the legislative-update requirement exists at all.

Carryover, format and extensions. Up to six excess hours carry forward as general hours to the next 24-month period, and excess hours may also be applied to bring a lapsed licence into compliance. There is no cap on self-study or online delivery - neither the rule nor OID's published Course Guidelines limits format, though the Guidelines do set assessment standards (a self-study course concludes with an examination, minimum 25 questions for courses of four hours or fewer and 50 for five hours or more, 70% to pass; a classroom course requires full attendance with no partial credit). The Commissioner may grant an extension of up to twelve months for "disability, natural disaster, or other extenuating circumstances," requested in writing at least 30 days before the period expires, and that extension expressly "will not alter the requirements or due date of the succeeding twenty-four-month period."

Who is exempt. OAC 365:25-3-1(c) lists limited lines producers and two categories of nonresident. The statute adds "Members of the Legislature." There is nothing keyed to age or years licensed - no senior-producer grandfathering exists in Oklahoma.

Two training gates attach to these lines. Annuities: OAC 365:25-17-7.1 requires a one-time four-credit best-interest course, and for anyone obtaining a Life line on or after the rule's effective date it is a hard gate - such a producer "may not engage in the sale of annuities until the annuity training course required under this subsection has been completed." Long-term care: OAC 365:25-3-1.4 requires no less than 8 hours initially and no less than 4 hours every 24 months thereafter for a producer engaged in LTC activity, reaching anyone with an accident and health or a life line. Both sets of hours are CE-creditable and come out of your 24 rather than sitting on top - OID states the annuity training "counts toward 19 hours of producer general credit." There is no flood training requirement in Oklahoma; the one-hour flood CE requirement was removed effective 15 September 2019.

If it lapses. 36 O.S. Sec. 1435.8(C) allows reinstatement without re-examination within "twelve (12) months from the due date of the renewal fee," at "a penalty in the amount of double the unpaid renewal fee." OID administers it as a fresh initial application, because it takes the position that "an expired license may not be renewed" - but the window, the double fee, your licence number and your original expiration date all survive intact. You must be CE compliant at least 48 hours before submitting. NIPR adds two operational details, both stated on its Oklahoma non-resident requirements page rather than the resident one: a licence "stay[s] active up to three (3) days past expiration," and the "reinstatement period starts on the 4th day after expiration up to one (1) year" - after which "applicant must apply as new."

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