Oklahoma Life, Accident & Health Insurance License Practice Exam
150 questions (112 general + 38 state), 210 min. 70% on each section independently. No pre-licensing. No fingerprinting. PSI Bridge available. 3-day wait to apply. Elected Commissioner.
Oklahoma Life, Accident & Health — Study by Topic
Drill Oklahoma state law (Title 36, OIC) or practice general L&H concepts. 150 questions (112 general + 38 state), 210 min. Dual-section scoring — 70% each section independently. No pre-licensing required.
Life Insurance
Term, whole life, universal life, variable, annuities, Annuity Best Interest, riders, nonforfeiture, settlement options, beneficiaries, viatical/life settlements.
Health & Accident
Individual/group health, disability income, LTC, Medicare supplement (A–N), COBRA, ACA, HMOs, dental, Oklahoma-specific mandated benefits.
Oklahoma State Law
OID, Commissioner ELECTED, no pre-licensing, no fingerprinting, dual-section scoring (38 state items), 3-day wait, 1033 Waiver, CE 2 hrs state updates + 3 ethics, 6-hr carryover, $60 renewal.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, qualified plans, HSA/HRA, Oklahoma Insurance Code.
🌟 Full OK L&H Exam
150-question timed exam simulating the PSI Oklahoma combined L&H exam. 210 minutes. 70% each section independently. No pre-licensing. No fingerprinting. Elected Commissioner.
About the Oklahoma Life, Accident & Health Insurance License Exam
To get your Oklahoma Life & Health insurance license, you must pass the state licensing exam administered by PSI Services LLC with a passing score of 70% each section independently. Exam fee: $38 (lowest exam fee in portfolio). Oklahoma is regulated by the Oklahoma Insurance Department (OID) under Oklahoma Statutes Title 36. Visit oid.ok.gov for official licensing information. Commissioner ELECTED (with Louisiana and Nevada); dual-section 70% each independently; $38 exam fee (lowest in portfolio); no pre-licensing; no fingerprinting; PSI since Feb 2023; 3-day post-exam wait; 2 hours state legislative updates CE (unique); up to 6 hrs CE carryover; 1033 Waiver for criminal convictions before applying.
Pre-licensing education in Oklahoma: None required. Continuing education: 24 hours + 3 ethics + 2 hours state legislative updates biennial. License renewal fee: $60 biennial. CE must be completed before submitting your Oklahoma renewal application. How to get licensed in Oklahoma: complete pre-licensing → submit background check/fingerprinting → pass PSI Services LLC exam → apply for Oklahoma producer license.
How to get a Oklahoma Life & Health insurance license in 2026: The Oklahoma Insurance Department (OID) (oid.ok.gov) administers all producer licensing in Oklahoma. Exam: PSI Services LLC, $38 (lowest exam fee in portfolio), 70% each section independently. Pre-licensing: None required. Once licensed, maintain your Oklahoma Life & Health license by completing 24 hours + 3 ethics + 2 hours state legislative updates biennial and paying the $60 biennial renewal. For questions contact the Oklahoma Insurance Department (OID).
OID (oid.ok.gov). OK Statutes Title 36. Commissioner ELECTED. Dual-section 70% each independently. $38 fee (lowest portfolio). No pre-licensing. No fingerprinting. 3-day post-exam wait. 2 hrs state legislative updates CE (unique). Up to 6 hrs CE carryover. 1033 Waiver for criminal convictions.
Frequently Asked Questions — Oklahoma Life, Accident & Health Exam
How do I get a Oklahoma Life & Health insurance license?
To become a licensed Life & Health producer in Oklahoma: (1) Complete any required pre-licensing education (None required); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the PSI Services LLC exam ($38 (lowest exam fee in portfolio), 70% each section independently); (4) Apply for your Oklahoma producer license. The Oklahoma Insurance Department (OID) (oid.ok.gov) oversees all insurance producer licensing in Oklahoma.
What exam does Oklahoma use for Life & Health insurance licensing?
Oklahoma uses PSI Services LLC to administer the Life & Health insurance licensing exam. Fee: $38 (lowest exam fee in portfolio). Passing score: 70% each section independently. Commissioner ELECTED (with Louisiana and Nevada); dual-section 70% each independently; $38 exam fee (lowest in portfolio); no pre-licensing; no fingerprinting; PSI since Feb 2023; 3-day post-exam wait; 2 hours state legislative updates CE (unique); up to 6 hrs CE carryover; 1033 Waiver for criminal convictions before applying.
Does Oklahoma require pre-licensing for Life & Health insurance?
None required. For official pre-licensing provider information, visit oid.ok.gov.
What are Oklahoma's CE requirements for Life & Health producers?
Oklahoma requires: 24 hours + 3 ethics + 2 hours state legislative updates biennial. Renewal fee: $60 biennial. CE must be completed before submitting the renewal application. Contact the Oklahoma Insurance Department (OID) at oid.ok.gov for CE provider information.
What makes Oklahoma unique for Life & Health insurance licensing?
Commissioner ELECTED (with Louisiana and Nevada); dual-section 70% each independently; $38 exam fee (lowest in portfolio); no pre-licensing; no fingerprinting; PSI since Feb 2023; 3-day post-exam wait; 2 hours state legislative updates CE (unique); up to 6 hrs CE carryover; 1033 Waiver for criminal convictions before applying.
Practice Exam Questions — Oklahoma Life & Health
5 state-specific questions drawn from the Oklahoma exam content outline. Correct answer highlighted in green.
Oklahoma's Insurance Commissioner is:
- Appointed by the Governor
- ELECTED by Oklahoma voters — unique in the portfolio with Louisiana and Nevada; OID: oid.ok.gov; 400 NE 50th Street, Oklahoma City OK 73105; Oklahoma Statutes Title 36
- Appointed by the Oklahoma Legislature
- Selected by the Oklahoma Supreme Court
Oklahoma uses dual-section independent scoring, which means:
- One combined score across all 150 questions at 70%
- Both the General section (112 questions, 70%) AND the State section (38 questions, 70%) must each be passed independently; failing one section = entire exam must be retaken
- The exam has two versions — candidates choose
- Scores from two exam dates are averaged
Oklahoma requires a '1033 Waiver' when:
- A producer wants to retake the exam more than 3 times
- Applicants with certain criminal convictions (involving dishonesty or breach of trust under 18 USC 1033) must receive prior written approval from OID BEFORE applying for an Oklahoma license
- A producer wants to switch exam administrators
- An applicant fails both sections
Oklahoma CE uniquely requires:
- 24 hours + 3 ethics biennial, same as most states
- 24 hours + 3 ethics + 2 hours of Oklahoma State Legislative Updates biennial — the 2-hour state legislative updates category is unique in the portfolio; up to 6 hours CE carryover (also unique); $1.50/hr CE reporting; $60 renewal biennial
- 30 hours triennial (same as Nevada)
- 16 hours biennial (same as Virginia)
Oklahoma's exam fee of $38 compared to the portfolio:
- $38 is the highest exam fee in the portfolio
- $38 is mid-range for the portfolio
- $38 is the lowest exam fee in the portfolio — compare: NV $47, AR $50, CT $105; Oklahoma's $38 has been the lowest since PSI took over in February 2023
- $38 is only for retakes — first attempts cost $76