How Much Does an Oklahoma Life and Health Insurance License Cost? (2026 Fees)

Getting an Oklahoma Life, Accident and Health or Sickness insurance license costs about $98 all-in if you pass on your first attempt: $38 for the exam and $60 for the resident two-year producer license. There is no fingerprinting fee and no pre-licensing course sitting on top of that total; Oklahoma requires neither. Your only other spending is optional exam preparation.

• Exam fee: $38 per attempt, the same for the combined exam and for each single-line exam
• Resident producer license: $60 for a two-year term
• All-in, first-attempt pass: $98
• Fingerprinting: none required
• Pre-licensing course: none required
• Exam preparation: optional, $0 to $79 for a focused course
• Continuing education: 24 hours every 2 years, including 3 ethics hours

1. Exam Fee, $38 Per Attempt

Paid to PSI Services LLC, the Oklahoma Insurance Department's contracted exam vendor, when you register. The combined Life, Accident and Health or Sickness exam is $38, and so are the Life-only and Accident and Health or Sickness-only exams. Because the price is identical, a candidate who wants both lines gains nothing by splitting them: separate exams mean paying $38 each, while the combined exam is one sitting and one fee. The fee is paid again for every attempt, and you forfeit it if you cancel without the required two days' notice.

2. Producer License Fee, $60

Charged by the Oklahoma Insurance Department (OID) for the insurance producer's biennial license under 36 O.S. §1435.23(A)(4)(a). The fee is $100 for a nonresident license. Under §1435.23(B), all fees accompanying an application are deemed earned and are not refundable if the license is not issued.

3. Timing Your Application

Exam results are transmitted electronically to the state within 3 business days. You must apply for your license within two years after passing the exam (36 O.S. §1435.6(I)), and OID typically takes 5 to 7 business days to process an application once it is submitted. That is a long window, but there is no reason to leave a passing score sitting.

4. Small Fees You May Never Pay

A change of legal name or address filed more than 30 days after the change costs $50. A duplicate license costs one-half the fee of an original license. OID also sells an optional Life/Accident and Health study manual priced at no more than $40; a business-entity producer license carries a separate $20 filing fee for organizational documents. None of these applies to an individual resident applicant who files on time.

Every attempt costs the exam fee again, win or lose: $38 for the combined exam or for whichever single exam you retake. The $60 license fee is a one-time cost a retake does not repeat.

Oklahoma does not add an escalating waiting period for repeat failures. PSI's bulletin says you may test unlimited until you pass, and the only hard rule is that you cannot retest on the same day you fail; a candidate who fails on a Wednesday can call the next day and retest as soon as Friday, space availability allowing. You do need to cancel or reschedule any appointment at least two days in advance, or you forfeit that attempt's fee. For the content outline, the biggest exam-day mistakes, and a study plan built around them, see how to pass the Oklahoma Life, Accident and Health exam on the first try.

Oklahoma does not require a pre-licensing course for the Life line or the Accident and Health or Sickness line. The producer-licensing sections of Title 36 contain no coursework requirement, and PSI's bulletin singles out only bail bondsmen for pre-licensing hours. There is no course fee to budget, no classroom-hour minimum, and no completion certificate to produce before you register for the exam or file your license application. There is no fingerprint or biometric background-check step to pay for either.

Once licensed, Oklahoma requires 21 general clock hours of continuing insurance education plus 3 clock hours of ethics every two years, 24 hours in all, to keep a license active (36 O.S. §1435.29). At least 2 of the 21 general hours must be state or federal legislative updates under OAC 365:25-3-1; that is a requirement inside the 21, not extra hours on top. Up to 6 excess hours earned beyond the minimum carry forward to the next two-year period, and excess hours can also be used to bring a lapsed license into compliance. The two-year clock begins the day after your license is granted. CE course prices are set by individual providers, not by OID, so this guide does not quote a dollar figure for them; shop CE providers separately as your renewal period approaches.

Renewal itself costs the same $60 every two years, and a late or incomplete renewal costs double the license fee (36 O.S. §1435.23(A)(8)). If your license lapses, you can reinstate the same license within 12 months of the renewal due date without passing the exam again (36 O.S. §1435.8(C)). Past 12 months the statute provides no reinstatement path, which, with no pre-licensing course to fall back on, functionally means qualifying again from scratch, exam included.

Exam preparation is the one cost on this page you fully control.

$0, the free stack. PSI publishes the content outline for each version of the exam with the item count of every section, and its Candidate Information Bulletin explains the format, fees, and scheduling rules. Together they tell you what is tested, not how the material works or how Oklahoma law applies to it.

$14.99 to $79, a focused exam-prep course. LanePrep's Oklahoma Life, Accident and Health or Sickness course is nine audio chapters built from PSI's own content outline, with a chapter quiz after every chapter. It costs $14.99 per month or $79 once as a one-time purchase. Chapters 1 and 9 are free, no signup, so you can judge the format before paying for either option.

Two realistic budgets for an individual resident applicant.

Pass on the first attempt: $98 plus preparation

• Exam fee $38
• Producer license fee $60
• Fingerprinting: not required
• Preparation: free stack ($0), one month of LanePrep ($14.99), or the one-time option ($79)

Fail once, pass on the second attempt: add one more exam fee

• Exam fees $38 per attempt, so one extra $38
• Producer license fee $60, paid once
• Preparation: as above, with a re-drill of the questions you missed

A retake adds the exam fee again, $38, with no application fee repeated. If you take the two single-line exams instead of the combined exam, each is its own $38 fee for every attempt.

For most self-directed candidates the cost-optimal path is:

1. Prepare from a course built for this exam's outline specifically, whichever of the three exam options you plan to take.
2. Schedule and pass the exam through PSI, at one of the 16 Oklahoma test centers or by remote online proctoring.
3. File your OID license application and pay the $60 fee within two years of passing; there is no fingerprinting to arrange.

LanePrep covers step 1: nine audio chapters built from the Oklahoma content outline, each with its own quiz, for $14.99 per month or $79 once. Chapters 1 and 9 are free. For the exam itself, the outline, and a study plan, read how to pass the Oklahoma Life, Accident and Health exam on the first try.

Fees come from PSI's Oklahoma Insurance Department Candidate Information Bulletin and 36 O.S. §§1435.6, 1435.8, 1435.23 and 1435.29, and OAC 365:25-3-1. Read October 2026.