Oklahoma Life & Health Exam Overview
Key Takeaways
- The combined Life, Accident and Health exam has 150 scored questions (112 general + 38 Oklahoma state) and you must score 70% on EACH portion independently.
- PSI Services LLC administers and scores the exam and reports passing results to the Oklahoma Insurance Department (OID); there is NO Prometric step.
- Oklahoma has NO mandatory pre-licensing education, but resident applicants must pass a state and federal criminal background check (no fingerprints required) and pay the $60 license fee.
- Resident licenses renew every 2 years on the last day of the licensee's birth month, requiring 24 CE hours including 3 ethics and 2 legislative-update hours.
- Annuity sales require a one-time 4-hour Best Interest course; long-term care sales require an 8-hour initial course plus a 4-hour refresher each renewal period.
What the Oklahoma Exam Actually Tests
The Oklahoma Producer Examination for Life, Accident and Health is the gateway to selling life and health products to Oklahoma residents. It is administered by PSI Services LLC (not Prometric and not Pearson VUE) under contract with the Oklahoma Insurance Department (OID). The combined exam is a single sitting of 150 scored questions divided into two distinct portions you must pass separately.
Exam Blueprint at a Glance
| Detail | Combined Life, Accident & Health |
|---|---|
| General (national) portion | 112 scored questions |
| Oklahoma state portion | 38 scored questions |
| Total scored questions | 150 |
| Passing score | 70% on each portion, scored independently |
| Time limit | 158 min (general) + 52 min (state) = 210 minutes (3.5 hours) total |
| Vendor | PSI Services LLC (psiexams.com) |
Single-Line Options
If you only sell one product family, Oklahoma offers stand-alone exams:
- Life only — 100 questions, 2 hours, 70% to pass
- Accident & Health only — 100 questions, 2 hours, 70% to pass
Most producers take the combined exam because it qualifies them for both license lines in one sitting and only one fee.
No Pre-Licensing Education — But Real Prerequisites
Unlike states such as California or Texas, Oklahoma requires zero hours of pre-licensing education for resident Life & Health producers. There are no mandated classroom hours, no state-approved course list, and no certificate of completion to upload. You may walk in and sit the exam.
That freedom is deceptive. Industry first-time pass rates for life and health exams sit around 55%–67%, so successful candidates typically invest 40–60 hours of self-study, drill multiple practice exams, and memorize the Oklahoma-specific rules in Chapters 1–4 of this guide. The state portion rewards rote recall of dollar amounts, day counts, and statutory titles.
Post-License Product Training (Verified 2026)
Separate from CE, Oklahoma requires one-time and recurring product training before you may sell certain products:
| Product | Initial Requirement | Recurring Requirement |
|---|---|---|
| Annuities | 4-hour Annuity Best Interest course (one time, before first sale) | None — counts toward 24-hour CE |
| Long-Term Care (LTC) | 8-hour initial course (before first sale) | 4-hour LTC refresher every renewal period |
Trap to memorize: annuity training is one-and-done, but LTC training repeats every two years. Exam questions love to swap those two facts. Both course types count toward your 24-hour CE total, so they do not stack on top of it.
From Passing to Licensed: The Real Workflow
Passing the exam does not make you a producer — it makes you eligible to apply. PSI scores your exam on the spot and transmits a passing result to the OID, usually within a few business days. There is no Prometric reporting step despite older study materials claiming otherwise.
Step-by-Step
- Pass the exam at a PSI test center or via remote online proctoring.
- Apply through NIPR (National Insurance Producer Registry, nipr.com), the OID's electronic application channel.
- Pass a state and federal criminal-history background check. Oklahoma resident producers do NOT submit fingerprints — this is a frequently tested distinction.
- Pay the resident producer license fee of $60.
- Receive your license, which is perpetual but renews every 2 years on the last day of your birth month.
Exam-Day Logistics
| Item | Requirement |
|---|---|
| Photo ID | Valid government-issued (driver's license or passport) |
| Arrival | 30 minutes early for in-person centers |
| Personal items | Not allowed in the testing room |
| Results | Delivered immediately after submission |
| Retake (fail) | Reschedule with PSI and pay the exam fee again |
Correction note: Older OID materials list 3814 N. Santa Fe Ave. The department now operates from 3625 NW 56th Street, Ste 100, Oklahoma City, OK 73112. Always confirm current addresses and fees directly with the OID, as they change.
Keeping the License: Continuing Education & Renewal
Oklahoma resident producers renew biennially, and the renewal date is tied to the last day of your birth month — not the date you were first licensed. You may renew up to 90 days before expiration through NIPR.
CE Requirement (Verified 2026)
| Component | Hours per 2-Year Cycle |
|---|---|
| Total continuing education | 24 hours |
| Ethics (subset of total) | 3 hours |
| Legislative/regulatory updates (subset) | 2 hours |
| Annuity / LTC training | Counts toward the 24 (does not stack) |
The 3 ethics hours and 2 legislative-update hours are carved out of the 24-hour total, not added to it. A producer who completes 19 general hours plus those 5 specialized hours has met the requirement.
Who Regulates You
The Oklahoma Insurance Department (OID) licenses producers, approves CE providers, investigates complaints, and can fine, suspend, or revoke a license. Reach the Licensing Division at (405) 521-2828 or (800) 522-0071, or online at oid.ok.gov.
Study Timeline
- Weeks 6–8: read Oklahoma law chapters, take a diagnostic.
- Weeks 4–5: drill weak areas, daily quizzes.
- Weeks 2–3: full-length timed practice exams; schedule with PSI.
- Final week: memorize dollar/day thresholds, rest well.
During the exam, watch for negatives such as NOT, EXCEPT, and LEAST, eliminate clearly wrong options, flag tough items, and manage pace across both portions.
On the combined Oklahoma Life, Accident and Health exam, how is the 70% passing standard applied?
Which statement about becoming a licensed resident Life & Health producer in Oklahoma is correct?
A producer wants to keep selling both annuities and long-term care insurance. Which training obligation is recurring rather than one-time?
How is a resident Oklahoma producer's license renewal date determined?
Within a producer's 24-hour biennial continuing education requirement, which specialized hours are mandated?