Key Takeaways
- Oklahoma has NO mandatory pre-licensing education requirement for Life & Health insurance
- The combined exam has 150 questions (112 general + 38 state) with a 70% passing score required
- PSI administers Oklahoma insurance licensing exams
- Individual producer licenses must be renewed every 2 years with continuing education
- Oklahoma Insurance Department (OID) regulates all insurance activities in the state
Oklahoma Life & Health Insurance Exam
Welcome to the Oklahoma Life & Health Insurance Exam study guide. This comprehensive resource covers Oklahoma-specific insurance laws, regulations, and practices required for your state licensing exam.
About Oklahoma's Life & Health License
Oklahoma requires insurance producers to pass the Life, Accident and Health examination to sell life and health insurance products in the state. The license is regulated by the Oklahoma Insurance Department (OID), which oversees all insurance activities in Oklahoma.
What This Exam Covers
This guide focuses exclusively on Oklahoma state law and regulations:
- Oklahoma Insurance Department structure and authority
- State licensing requirements and procedures
- Oklahoma life insurance laws and policy requirements
- Health insurance regulations specific to Oklahoma
- State consumer protections and disclosures
- Oklahoma-specific policy provisions and endorsements
- Ethics and professional conduct under Oklahoma law
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Exam Structure
Combined Life, Accident and Health Exam
| Exam Detail | Requirement |
|---|---|
| General Portion | 112 questions |
| State Portion | 38 questions |
| Total Questions | 150 |
| Passing Score | 70% on each portion |
| Time Limit | 2 hours 30 minutes (158 min general + 52 min state) |
| Test Provider | PSI Services LLC |
Individual Exams (Alternative)
| Exam | Questions | Time | Passing Score |
|---|---|---|---|
| Life Insurance Only | 100 | 2 hours | 70% |
| Accident & Health Only | 100 | 2 hours | 70% |
Pre-License Education Requirements
Oklahoma has NO mandatory pre-licensing education requirement:
- No required classroom hours
- No mandated online courses
- No approved education providers needed
Recommended Preparation
Although not required, successful candidates typically:
- Study 40-60 hours of exam content
- Take multiple practice exams
- Review Oklahoma insurance laws thoroughly
- Complete a voluntary pre-licensing course
Note: While Oklahoma doesn't require pre-licensing education, completing a course significantly improves your chances of passing the exam on your first attempt.
Product-Specific Training Requirements
Certain products require training AFTER licensing:
| Product | Initial Training | Ongoing Training |
|---|---|---|
| Annuity Products | 4 hours (one-time, before selling) | None |
| Long-Term Care (LTC) | 8 hours (one-time, before selling) | 4 hours every 24 months |
Exam Registration
Schedule your exam with PSI:
- Online: psiexams.com
- Phone: (833) 333-4754
- Options: Physical testing center or remote online proctored exam
Exam Day Requirements
- Bring valid, government-issued photo ID (passport or driver's license)
- Arrive at least 30 minutes early for in-person testing
- No personal items allowed in testing room
License Application Process
After passing the exam:
- Wait 3 Business Days: For Prometric to report results to OID
- Complete Application: Online at www.ok.gov/oid
- Submit Fingerprints: Required for background check
- Pay License Fee: Application fee required
- Receive License: Processing time varies
Important: You must complete your application, fingerprints, and receive your license within 2 years of passing your state insurance exam.
Continuing Education Requirements
To maintain your Oklahoma Life & Health license:
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics Hours | Required (included in total) |
| Renewal Cycle | Every 2 years |
| First Renewal | CE may be required |
Oklahoma Insurance Department
The OID regulates insurance in Oklahoma:
Contact Information
- Website: www.oid.ok.gov
- Phone: (405) 521-2828 or (800) 522-0071
- Licensing Division: (405) 521-2828
- Address: 3814 N. Santa Fe Ave., Suite 100, Oklahoma City, OK 73118
What This Study Guide Covers
This guide is organized into the following chapters:
- Chapter 1: Oklahoma Insurance Regulation & Licensing
- Chapter 2: Oklahoma Life Insurance Laws
- Chapter 3: Oklahoma Health Insurance Laws
- Chapter 4: Oklahoma Policy Provisions & Consumer Protections
Work through each chapter systematically, complete all practice questions, and review key takeaways until you can recall them confidently.
Study Recommendations
Timeline
6-8 Weeks Before Exam:
- Begin studying Oklahoma insurance law
- Review national Life & Health concepts
- Take diagnostic practice tests
4 Weeks Before Exam:
- Focus on weak areas identified
- Complete practice quizzes daily
- Memorize key Oklahoma requirements
2 Weeks Before Exam:
- Take full-length practice exams
- Review Oklahoma-specific regulations
- Schedule your exam with PSI
1 Week Before Exam:
- Final review of key topics
- Focus on Oklahoma laws and rules
- Get adequate rest
Test-Taking Tips
Before the Exam
- Register with PSI online or by phone
- Arrive 30 minutes early at the test center (if in-person)
- Bring valid government-issued photo ID
- No materials allowed in testing room
During the Exam
- Read carefully: Every word matters
- Watch for negatives: "NOT", "EXCEPT", "LEAST"
- Eliminate wrong answers: Narrow choices
- Flag difficult questions: Return later
- Manage time: Monitor your pace
- Don't overthink: Trust your preparation
After the Exam
- Results provided immediately
- Passing: Receive score report, apply for license through OID
- Failing: Wait and reschedule (pay new exam fee)
Disclaimer: This study guide is for educational purposes only and does not guarantee exam success. Always verify current regulations with the Oklahoma Insurance Department, as laws and requirements may change.
Does Oklahoma require pre-licensing education before taking the Life & Health insurance exam?
What is the passing score for Oklahoma insurance licensing exams?
How many questions are on the combined Oklahoma Life, Accident and Health insurance exam?
Which organization administers insurance licensing exams in Oklahoma?
How long do you have to apply for your Oklahoma insurance license after passing the exam?