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Question 1

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Which Oklahoma agency regulates insurers and producer licensing for the life and health line?

Oklahoma Department of Commerce

Oklahoma Department of Insurance (OID)

Oklahoma Department of Labor

Oklahoma Corporation Commission

to track

2026 Statistics

Key Facts: OK Life & Health Exam

150+5

Scored + Unscored Questions

Oklahoma PSI content outline

150 min

Exam Time

Oklahoma PSI content outline

70%

Passing Score

Oklahoma PSI candidate bulletin

$38

Exam Fee

Oklahoma PSI candidate bulletin

29 items

State Statutes/Rules

Official OK outline domain count

42 items

Provisions/Options Domain

Official OK outline domain count

As of February 27, 2026, Oklahoma PSI materials list the combined Life, Accident and Health or Sickness Producer exam at 150 scored questions plus 5 unscored in 150 minutes, with a 70% passing score and a $38 exam fee. The official outline weights include 9 licensing items, 29 state-law items, 42 policy provisions/options items, 30 life product items, and dedicated Medicare/LTC content.

Sample OK Life & Health Practice Questions

Try these sample questions to test your OK Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which Oklahoma agency regulates insurers and producer licensing for the life and health line?

A.Oklahoma Department of Commerce

B.Oklahoma Department of Insurance (OID)

C.Oklahoma Department of Labor

D.Oklahoma Corporation Commission

Explanation: The Oklahoma Department of Insurance regulates insurer operations and producer licensing under Title 36. It is the primary state insurance regulator, including life and health producer oversight. On exam day, match the key legal trigger words to the statute concept before choosing.

2How does Oklahoma treat eligibility to take most producer licensing exams, including life and health?

A.Only one lifetime attempt is allowed

B.All lines require prior approval from OID before every attempt

C.Most lines are open eligibility, so the candidate may reschedule and retest

D.Candidates must wait one calendar year after any failed attempt

Explanation: Oklahoma producer exams are generally open eligibility, so candidates can test without a separate eligibility filing for most lines. Bail bondsman is a key exception with additional OID eligibility requirements. On exam day, match the key legal trigger words to the statute concept before choosing.

3Per the Oklahoma PSI content outline, how is the Life, Accident and Health or Sickness Producer exam structured?

A.200 scored questions plus 20 pretest items with a 3-hour time limit

B.110 scored questions plus 10 pretest items with a 120-minute time limit

C.100 scored questions only with a 90-minute time limit

D.150 scored questions plus 5 unscored items with a 150-minute time limit

Explanation: The Oklahoma combined life and health outline states 150 scored questions plus 5 unscored items in 150 minutes. Candidates should pace for roughly one minute per scored item. On exam day, match the key legal trigger words to the statute concept before choosing.

4What passing score does the Oklahoma PSI Candidate Information Bulletin state for insurance licensing exams?

A.70% correct

B.80% correct

C.75% correct

D.60% correct

Explanation: The Oklahoma PSI bulletin states that candidates must score 70% to pass. This applies to the state licensing exam scoring standard described in the bulletin. On exam day, match the key legal trigger words to the statute concept before choosing.

5According to the Oklahoma PSI bulletin table, what is the exam fee for Life, Accident and Health or Sickness Producer?

A.$25

B.$100

C.$38

D.$56

Explanation: The Oklahoma candidate bulletin fee table lists the combined life and health producer exam at $38. Candidates should always confirm current vendor pricing before checkout, but the official bulletin lists $38. On exam day, match the key legal trigger words to the statute concept before choosing.

6Before a producer can act for an insurer in Oklahoma, what must occur under appointment rules?

A.The insurer must file an appointment for that producer

B.Only a county clerk approval is required

C.The producer can act immediately for any insurer without filing

D.An appointment is only required for annuity sales

Explanation: Oklahoma appointment statutes require insurer appointment filing before a producer acts on that insurer's behalf. Licensing alone does not create authority to represent every carrier. On exam day, match the key legal trigger words to the statute concept before choosing.

7Oklahoma law includes a producer duty related to changes in address. What is the compliance principle?

A.Address changes are optional until annual tax filing

B.Address updates are required only after a consumer complaint

C.Only insurers, not producers, must keep address information current

D.The producer must report address changes to maintain accurate licensing records

Explanation: Oklahoma licensing provisions include a producer obligation to keep address information current with regulators. Accurate records support legal notice, enforcement, and consumer protection. On exam day, match the key legal trigger words to the statute concept before choosing.

8Which action is a valid Oklahoma insurance disciplinary remedy for producer violations?

A.Immediate federal tax lien

B.Transfer of license to another state to avoid discipline

C.License suspension or revocation

D.Automatic promotion to consultant status

Explanation: Oklahoma disciplinary statutes allow actions such as suspension, revocation, or other sanctions for violations. Enforcement authority is designed to protect consumers and market integrity. On exam day, match the key legal trigger words to the statute concept before choosing.

9Which age threshold applies to Oklahoma producer exam candidates according to the PSI bulletin?

A.There is no age requirement

B.Candidates must be at least 18 years old

C.Candidates must be at least 16 years old

D.Candidates must be at least 21 years old

Explanation: The Oklahoma PSI bulletin states producer exam candidates must be at least 18. Bail bondsman has separate heightened requirements, but standard producer lines use the 18-year threshold. On exam day, match the key legal trigger words to the statute concept before choosing.

10Which option reflects a recognized Oklahoma producer licensing classification framework?

A.Resident and nonresident producer licensing with individual and business-entity pathways

B.Only resident individual licenses are recognized

C.Only county-level licenses exist

D.Producer authority is granted through insurer payroll status only

Explanation: Oklahoma statutes include resident and nonresident producer structures and allow individual and business-entity licensing forms. The framework is state-regulated, not county-issued. On exam day, match the key legal trigger words to the statute concept before choosing.

About the OK Life & Health Exam

The Oklahoma combined life and health producer exam follows the official PSI/OID outline with 150 scored questions plus 5 unscored. It emphasizes Oklahoma licensing law, Title 36 insurance statutes, life policy provisions, life products, health products, Medicare supplement, and long-term care regulation.

Questions

150 scored questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

70%

Exam Fee

$38 (Oklahoma Insurance Department / PSI)

OK Life & Health Exam Content Outline

25%

OK Licensing, OID Authority, and State Law

Producer licensing, appointments, CE/maintenance, commissioner authority, Title 36 unfair practices, suitability, and guaranty association rules

28%

Policy Provisions, Clauses, and Rights

Mandatory provisions, policy options, beneficiary/ownership rights, nonforfeiture, exclusions, riders, and renewability concepts

20%

Life Products and Annuities

Term, whole, universal, endowment, joint/survivorship, variable products, group life, viaticals, and MEC treatment

10%

Underwriting and Replacement

Application workflow, signatures, initial premium/receipt, policy delivery, insurable interest, and Oklahoma replacement compliance

10%

Health Providers and Product Types

Major medical, limited benefit, specified disease, HMO/PPO/MEWA/group health, disability income, dental, and credit disability

Medicare and Long-Term Care

Medicare Advantage and Part D, Medicare supplement standards, and LTC sales requirements, minimum standards, renewability, and suitability

How to Pass the OK Life & Health Exam

What You Need to Know

Passing score: 70%
Exam length: 150 questions
Time limit: 2 hours 30 minutes (150 minutes)
Exam fee: $38

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

OK Life & Health Study Tips from Top Performers

1Memorize the official exam structure first: 150 scored + 5 unscored in 150 minutes at a 70% passing score

2Prioritize the largest weighted sections: policy provisions/options and life products

3Drill Oklahoma-specific statutes and producer compliance triggers under Title 36

4Practice Medicare supplement and LTC suitability scenarios with Oklahoma wording

5Run full-length timed sets and review every miss by outline domain

Frequently Asked Questions

How many questions are on Oklahoma's Life, Accident and Health or Sickness Producer exam?

The official Oklahoma PSI content outline lists 150 scored questions plus 5 unscored items, for 155 total delivered questions.

What are the time limit, passing score, and fee for the Oklahoma combined life and health exam?

Oklahoma PSI materials list a 150-minute time limit, a 70% passing score, and a $38 exam fee for the combined producer exam.

What Oklahoma-specific law areas are heavily tested?

Expect frequent Oklahoma law questions on producer licensing and appointments, Title 36 unfair practices and fraud standards, commissioner authority, guaranty association basics, and state Medicare supplement/suitability rules.

How should I allocate study time for this exam?

Use the official weighting: prioritize policy provisions/options and life product domains, then Oklahoma statutes/licensing, then health products and Medicare/LTC. Build timed sets at roughly one minute per scored question.