Oklahoma Life & Health Exam Day: What to Expect at PSI (2026)

Your Oklahoma Life, Accident and Health or Sickness exam is administered by PSI Services LLC for the Oklahoma Insurance Department (OID). On the combined exam you answer 150 scored questions plus 5 unscored in 150 minutes, one question at a time on a computer, and you need 70% correct to pass. This guide walks through the day from booking to what happens after you pass, so the logistics hold no surprises.

You schedule with PSI through its Oklahoma page (test-takers.psiexams.com/okins) or by phone at (833) 333-4754. The fee is $38 per attempt for the Life, Accident and Health or Sickness, and combined exams alike. PSI's Oklahoma test centers include Enid, Lawton, McAlester, Norman, Oklahoma City, Ponca City, Tulsa, Weatherford, Ardmore, Woodward and Durant, and PSI's wider network is available as well.

Cancel or reschedule at least 2 days before the appointment or you forfeit the fee; a Monday appointment needs notice by the previous Saturday.

PSI's bulletin walks candidates through two scheduling paths, Test Center and Remote Proctored. Remote online proctoring is still offered in Oklahoma. Results are close either way: on the combined exam, 61.1% of first-time candidates passed at a test center in both 2024 and 2025, against 59.0% and 57.6% remotely (NAIC compiled data). Read the bulletin's remote-proctoring section before you choose it, so whatever setup it requires is not a surprise on the day.

Bring one piece of current, government-issued photo identification that shows your name and signature. PSI accepts a driver's license, a U.S. Department of State driver's license, a learner's permit with photo, a national, state or country ID card, a passport or passport card, a military ID, or a Green Card or Permanent Resident Visa. Temporary IDs are not accepted.

Register under the same name that is on your ID. Check your confirmation and PSI's bulletin for its rules on personal items before the day, and plan to arrive early enough that check-in is not rushed.

The exam starts with a 15-minute tutorial that is untimed and does not count against your exam time. Read it even if you have taken a computer-based exam before.

The exam is computer-administered and shows one question at a time. 150 minutes for 155 questions is a little under a minute per question, so if a question is eating your time, make your best choice and move on. If the screen lets you mark a question and come back to it, use that; otherwise answer as you go. Answer every question: a handful of questions are unscored experimental items (the outline prints 5, the bulletin says 5 to 10) and you cannot tell which.

The software also has a Comments option. PSI reviews candidate comments and may use them to adjust scores, and they are the only review of the examination available to candidates. If a question looks flawed, say so there rather than stewing over it.

PSI transmits your result electronically to NIPR/SBS and the state within 3 business days. To get licensed you apply to OID within two years of passing (36 O.S. §1435.6(I)); OID takes 5 to 7 business days to process an application once it is submitted. Out of pocket, the minimum is $98: the $38 exam fee plus the $60 resident biennial license fee. OID's application page lists no fingerprint step, so there is no fingerprint fee on top.

If you do not pass, you can call PSI the next day and retest as soon as the day after, depending on space, for another $38; same-day scheduling is not possible. The retake rules guide covers the details.

• Appointment confirmed, with the cancellation deadline (2 days before) noted
• One current government-issued photo ID with your name and signature, not a temporary ID
• Registration name matches the ID
• Arrive early enough for check-in and the 15-minute tutorial
• Plan: about a minute per question, answer everything, move on from stuck questions
• Mindset: the pass mark is a raw 70%, so on the combined exam you can miss up to 45 of the 150 scored questions and still pass

If you are more than a week from exam day, the first-attempt plan and the free practice questions are the next stops. For audio-first preparation that fits your commute, try Chapter 1 of LanePrep's Oklahoma Life & Health course free, no signup.

Exam format and logistics come from PSI's Candidate Information Bulletin for the Oklahoma Insurance Department (dated 7/1/2026).