Oklahoma Life & Health
Insurance Exam
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How to Pass the OK PSI Insurance Licensing Exam
Passing the Oklahoma Life, Accident & Health insurance exam requires mastering life insurance, health insurance, annuities, and Oklahoma-specific regulations from the Oklahoma Division of Insurance (DOI). Our comprehensive study system helps you prepare with realistic practice questions and detailed explanations aligned with the Pearson VUE exam format.
Topics Covered
Who Takes This Exam?
Aspiring Insurance Agents
Anyone seeking a Life, Accident & Health insurance license in Oklahoma must pass this state licensing exam administered by PSI.
Pre-Licensing Requirements
You must be 18+, complete pre-licensing education requirements, and submit any required documentation before your Oklahoma insurance license can be issued.
Official Licensing Resources
Access official state contacts, exam guides, and scheduling portals:
Master Your Oklahoma Insurance Licensing Exam
Learn from expert insights and avoid the most common pitfalls that trip up test-takers in Oklahoma, and master key terms in our Glossary.
Study Tips
Expert strategies for success
Master Oklahoma Insurance Code Title 36
Focus on Title 36 of the Oklahoma Statutes covering producer licensing, unfair trade practices, misrepresentation, rebating, and producer record-keeping.
Understand Life & Health provisions thoroughly
Memorize uniform policy provisions, 10-day standard free-look, 31-day grace period for life insurance, and 2-year incontestability provisions.
Practice exam timing and question structure
Oklahoma exams test 150 questions in 3 hours. Using timed mock tests will build your speed and test-taking confidence.
Aim for 80%+ on mock exams
Consistently scoring 80% or above on practice tests guarantees you are comfortably prepared for the 70% passing cutoff on exam day.
Common Mistakes
Pitfalls to avoid on test day
Oklahoma replacement regulations
Oklahoma requires a signed Notice Regarding Replacement and a 30-day right to return for replaced policies under Title 36.
OID CE requirements & renewal
Oklahoma producers must complete 24 hours of approved CE biennially (every 2 years), including at least 3 hours of ethics education.
Oklahoma Guaranty Association coverage limits
Test-takers often confuse limits. Oklahoma covers life death benefits up to $300,000, life cash surrender up to $100,000, health claims up to $300,000, and annuities up to $250,000.
Insurance Commissioner powers
Candidates miss questions on administrative authority. The OID Commissioner examines domestic insurers at least once every 5 years.
Ready to put these tips into practice?
Start with our free practice questions and see how you perform, then upgrade to access our complete study system.
Free OK Insurance Exam Practice PDF
Download our comprehensive practice test with 50 Oklahoma-specific insurance exam questions with answers. Perfect for offline study!
Instant download • No email required • Updated for 2026
Free OK Cram Cheat Sheet & Guide
Access our comprehensive study cheat sheet covering essential Oklahoma insurance licensing timelines, grace periods, and exam metrics.
Your Questions Answered
Quick answers to the most common questions about the Oklahoma insurance licensing exam
How do I pass the Oklahoma Life & Health insurance exam on my first try?
To pass the Oklahoma insurance exam on your first attempt: First, master general life, health, and annuity concepts. Second, focus on Oklahoma Insurance Code Title 36 covering producer licensing, replacement rules, CE requirements, and trade practices. Third, practice with at least 400+ realistic exam questions until your average score reaches 80% or higher.
How many questions are on the Oklahoma insurance exam and what score is required?
The combined Oklahoma Life, Accident & Health exam consists of 150 multiple-choice questions with a 3-hour time limit. A passing score of 70% is required.
What topics are covered on the Oklahoma insurance licensing exam?
The exam covers Life Insurance (policy types, provisions, riders), Health Insurance (medical expense, disability income, Medicare, LTC), Annuities (fixed, variable, indexed), General Insurance Concepts (risk, insurable interest, contract law), and Oklahoma State Regulations (OID licensing rules, replacement regulations, and unfair trade practices).
How much does the Oklahoma insurance exam cost and where is it taken?
The exam fee is $45 per attempt, payable to PSI Services. Tests are taken at PSI test centers in Oklahoma or online via remote proctoring.
What are the continuing education (CE) requirements in Oklahoma?
Oklahoma requires resident producers to complete 24 hours of approved continuing education every 2 years, including at least 3 hours in ethics.
What is the Oklahoma Life & Health Insurance Guaranty Association coverage limit?
The Oklahoma Life & Health Insurance Guaranty Association protects policyholders up to $300,000 for life insurance death benefits, $100,000 for life cash surrender values, $300,000 for health insurance claims, and $250,000 for annuity present value/cash surrender.
Your First Step to Getting Licensed
Questions are manually curated by our content team using official Oklahoma Insurance Department exam outlines and study materials. We adhere to strict Editorial Standards to ensure accuracy. Each question covers topics from the Life, Accident & Health exam — so you practice with questions that closely mirror the actual PSI licensing exam.
Life Insurance
315 questions
Health Insurance
314 questions
General Insurance
165 questions
Annuities
147 questions
OK Law & Ethics
135 questions
Free Full-Length Line Practice Exams (25 Qs Each)
Life & Annuities Practice Exams
Realistic practice tests covering general principles, policy provisions, riders, annuities, and Oklahoma life insurance laws.
Accident & Health Practice Exams
Realistic practice tests covering medical expense plans, disability income, Medicare, and Oklahoma health insurance laws.
Flashcards
500+ Flashcards
Full Question Bank
1050+ exam-like questions
Hard Questions
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Built for One Goal: Pass the Insurance Exam on Your First Try
Practice what the exam actually tests — life, health, annuities, and Oklahoma state law.
3 Full-Length Practice Tests Included
Get instant access to our printable 450-question practice exam book. Includes 3 complete Life & Health insurance practice tests — each with a 75-question Life section and a 75-question Health section — plus detailed answer keys with explanations. Perfect for timed practice sessions that mirror the real exam.
