Failed the Oklahoma Life & Health Exam? Retake Rules, Waiting Periods and Fees (2026)

Oklahoma does not limit how many times you can sit the exam. PSI's bulletin says it plainly: you may test unlimited until you pass. There is no waiting period between attempts other than next-day processing, and you cannot schedule a retest for the same day. Each attempt costs $38, whether you are sitting the Life exam, the Accident and Health or Sickness exam or the combined exam.

So the rules are not what stands between you and a second attempt. What matters is what you change before it.

PSI's own example: a candidate who tests unsuccessfully on a Wednesday can call the next day, Thursday, and retest as soon as Friday, depending on space availability. Same-day scheduling is not possible.

That freedom is useful, but a fast retake only helps if you know what went wrong. Roughly four in ten first-time candidates fail the combined exam (59.9% passed in 2024 and 60.1% in 2025), so you are in a large group, and the useful question is which outline blocks cost you marks.

The fee is $38 per attempt for each of the three exams, paid again every time you sit. If you need to move an appointment, cancel or reschedule at least 2 days before the exam date or you forfeit the fee. A Monday appointment, for example, must be cancelled by the previous Saturday. Missing that window costs the same $38 as an attempt, without the attempt.

If you pass, the clock starts on the next step. Under 36 O.S. §1435.6(I), an application for licensure must be made within two years after passing the examination. PSI transmits results electronically to NIPR/SBS and the state within 3 business days, and the Oklahoma Insurance Department (OID) takes 5 to 7 business days to process an application once it is submitted. The resident biennial producer license fee is $60 (36 O.S. §1435.23), and fees are nonrefundable once the application is processed (36 O.S. §1435.23(B)).

The NAIC compiles pass rates for first-time candidates only. Oklahoma's repeat-taker rates are not published, so we cannot tell you how retakers fare, and we will not borrow a figure from anywhere else. What the first-time data do show is that failing is common: on the single-line exams roughly half of first-time candidates fail (51.3% of Life candidates and 52.0% of Accident and Health or Sickness candidates passed in 2025), and about four in ten fail the combined exam.

1. Find the blocks that cost you marks. Map your weak spots to the outline: Provisions (42 items), Life Products (30), State Insurance Statutes (29), Health Providers and Products (15), Underwriting (13). The practice question sets split along those lines.
2. Do not count on seeing the questions again. The Comments you can leave during the exam are the only review of the examination available to candidates, so your own notes right after the exam are the best record of what felt unfamiliar.
3. Practice scenarios, not definitions. Rebook when you can score consistently on timed, mixed practice, not when you have reread the chapter.
4. Protect the booking. Pick the date, then keep the 2-day cancellation window in mind.

Read how hard the exam really is and how to pass on the first attempt, or start with a free preview: Chapter 1 of the LanePrep Oklahoma Life & Health course, no signup.

Retake rules come from PSI's Candidate Information Bulletin for the Oklahoma Insurance Department (dated 7/1/2026) and 36 O.S. §1435.6(I). Pass rates are NAIC compiled figures for first-time candidates.