Is the Oklahoma Life & Health Exam Hard? Pass Rates and Difficulty (2026)

The Oklahoma Life, Accident and Health or Sickness exam is moderately hard: roughly four in ten first-time candidates fail the combined exam. NAIC compiled data for English-language exams put the first-time pass rate at 59.9% in 2024 (1,457 of 2,434 candidates) and 60.1% in 2025 (1,323 of 2,203).

It is not hard because any one idea is difficult. It is hard because it is long (150 scored questions plus 5 unscored, in 150 minutes), broad (life insurance, health insurance, Medicare and long-term care in one sitting) and it includes a block of Oklahoma statutes and rules that you have to learn for this state specifically. You need 70% correct to pass, and that is a plain percentage, not a scaled score.

The NAIC compiles pass rates for first-time candidates on English-language exams, in-person and remote combined. These are Oklahoma's figures:

The combined exam held steady at about 60%. On the two single-line exams roughly half of first-time candidates fail, and the rates moved by a few points in either direction (Life down 1.4 points, Accident and Health or Sickness up 3.4). The data do not say why the combined exam passes more often than either single-line exam.

Remote and test-center results are close. On the combined exam, remote candidates passed 59.0% in 2024 and 57.6% in 2025, against 61.1% at a test center in both years. Repeat-taker rates are not published, so there is no Oklahoma retake pass rate to quote.

1. Breadth. The combined exam covers nine outline sections in one sitting. The largest are Provisions, Options, Exclusions, Riders, Clauses, and Rights (42 scored items), Life Products (30) and State Insurance Statutes, Rules, and Regulations (29); the rest run from Health Providers and Products (15) down to Considerations in Replacing Insurance (2).

2. Oklahoma law. Licensing plus State Insurance Statutes, Rules, and Regulations come to 38 items, about a quarter of the exam, and every sub-topic in those two sections carries its own statute or rule citation. The numbers sit close together and are easy to swap: a 10-day free look on a new individual life policy or annuity (36 O.S. §4003.1), a separate 20-day right to return on a replacement (36 O.S. §4034(G)), two years to apply for the license after passing (36 O.S. §1435.6(I)) and twelve months to reinstate a lapsed license without re-examination (36 O.S. §1435.8(C)).

3. The clock. 150 minutes for 155 questions is a little under a minute each. PSI's outline prints 5 unscored questions and its bulletin says 5 to 10 experimental questions may appear. You cannot tell which ones they are, so every question gets your full attention.

The NAIC workbooks do not say why candidates fail, so this is not measured data. It is where the structure of the exam makes marks easiest to lose:

1. Treating state law as an afterthought. A quarter of the exam is Oklahoma law and rules, and it rewards recall.
2. Coasting on one side. The combined exam is a life exam and a health exam in one sitting, so strength on one side does not make up for a weak other side.
3. Reading instead of applying. The tax treatment of a modified endowment contract, coinsurance arithmetic and annuity payout options need worked practice, not just reading.
4. Swapping near numbers. 10 days against 20 days, $300,000 against $500,000, 21 hours against 24.
5. Rebooking unchanged. There is no waiting period between attempts beyond next-day processing, so it is easy to rebook before working out what went wrong.

Study to the weights, not to the textbook. A workable order:

1. Start practice questions early. Wrong answers show which block to study. The topic sets are life products, policy provisions, riders and beneficiaries, underwriting and replacement, health providers and products, Medicare and long-term care and Oklahoma insurance law.
2. Give Oklahoma law its own study block. Thirty-eight items of recall are among the cheapest marks on the exam.
3. Use audio for repetition. Definitions, distinctions and day-counts stick through repeated listening on a commute.
4. Sit one timed run before exam day so that 150 minutes does not feel new.

Short daily sessions beat one long weekend.

Oklahoma does not cap attempts: PSI's bulletin says you may test unlimited until you pass. Each attempt costs $38, and there is no waiting period beyond next-day processing: in PSI's example, a candidate who fails on a Wednesday can call on Thursday and retest as soon as Friday, depending on space. Do not use that freedom to rebook unchanged. Work out which blocks cost you marks first; the retake rules guide has the details.

Chapter 1 of LanePrep's Oklahoma Life & Health course is free, no signup. For question-by-question practice, start with the free Oklahoma Life & Health practice questions, and see how to pass on the first attempt.

Pass rates are NAIC compiled figures for first-time candidates on English-language exams (2024 and 2025). Question counts come from PSI's Oklahoma content outlines, effective 8/1/2026.