How to Pass the Oklahoma Life, Accident and Health Insurance Exam on the First Try (2026)

Oklahoma gives you a choice to make before you register: sit a single combined Life, Accident and Health or Sickness exam, or split it into two separate exams, Life and Accident and Health or Sickness. All three are administered by PSI Services LLC under contract to the Oklahoma Insurance Department (OID), at 16 Oklahoma test centers or by remote online proctoring.

Item	Life	Accident and Health or Sickness	Combined
Scored items	100	100	150
Unscored experimental items	5	5	5
Time limit	120 minutes	120 minutes	150 minutes
Passing score	70% correct	70% correct	70% correct
Fee per attempt	$38	$38	$38

PSI's Oklahoma bulletin states it plainly: "You must get 70% correct to pass." That is a flat raw percentage, not a scaled score, so there is no equating formula between your right answers and your result. The five unscored experimental questions are not marked, so answer every item as if it counts.

Because the fee is the same $38 on all three exams, the combined exam is the sensible choice if you want both lines of authority: you register once, sit once, and get 150 minutes for 150 scored items. Choose a single-line exam only if you truly need just one line.

You also have a choice of where to test. Oklahoma offers remote online proctoring alongside the in-person test centers, which are in Enid, Lawton, McAlester, Norman, Oklahoma City, Ponca City, Tulsa, Weatherford, Ardmore, Woodward and Durant. If you test from home, read PSI's remote-proctoring rules ahead of time so a technical or room-setup problem does not cost you an attempt.

PSI's own Examination Content Outline for the combined exam, effective August 1, 2026, breaks the 150 scored items into nine sections. The outline publishes item counts rather than percentages.

Section	Items
1. Licensing	9
2. State Insurance Statutes, Rules, and Regulations	29
3. Provisions, Options, Exclusions, Riders, Clauses, and Rights	42
4. Life Products	30
5. Underwriting	13
6. Considerations in Replacing Insurance	2
7. Health Providers and Products	15
8. Medicare	5
9. Long-Term Care (LTC) Policies	5

Sections 1 and 2 together are 38 of the 150 items of pure Oklahoma licensing and producer law. Nearly every sub-topic in those two sections carries its own statute or rule citation printed in the outline, such as 36 O.S. §1435.29 and OAC 365:25-3-1 for continuing education, or 36 O.S. §§1201-1207 for unfair practices and frauds. Do not treat them as a short add-on at the end of your study plan.

The single largest section is Section 3, Provisions, Options, Exclusions, Riders, Clauses, and Rights, at 42 items. It covers both life and health provisions, so it rewards candidates who can tell a nonforfeiture option from a settlement option. Life Products follows at 30 items. LanePrep splits Section 3 into two chapters, 22 items on life policy provisions and clauses and 20 on riders, options, beneficiaries and policyowner rights; that 22/20 split is our own grouping of PSI's single 42-item section.

If you take a single-line exam instead, the outlines are different: the Life exam has six sections and 100 scored items, with 25 on Life Products, 20 on Underwriting and 28 on provisions, while the Accident and Health or Sickness exam has eight sections and 100 scored items, with 20 on Health Providers and Products and 32 on provisions. Licensing is 6 items and state statutes 19 on each.

Oklahoma does not require a pre-licensing course for either the Life line or the Accident and Health or Sickness line. None of the producer-licensing sections of Title 36 that govern examinations, applications and lines of authority (36 O.S. §§1435.6 through 1435.12) requires coursework before you sit the exam, and PSI's bulletin lists only age (18 or older) and citizenship or visa status as universal eligibility requirements. The only pre-licensing hours in the bulletin are for bail bondsmen. There is also no fingerprinting step in the producer application.

One trap: the statute that governs continuing education, 36 O.S. §1435.29, is still indexed in some places under the older title "Prelicensing and continuing education." The current text of that section contains continuing-education rules only. Do not let the title persuade you that a course is required.

No requirement also means no classroom pacing you through the outline above. A course built directly from PSI's own outline, in the same proportions the exam uses, is the fastest way to replace the structure a pre-licensing class would have given you.

NAIC's compiled pass-rate data for English-language, first-time Oklahoma candidates, in-person and remote combined, shows the combined exam running well ahead of the two single-line exams.

Exam	2024	2025
Life	52.7%	51.3%
Accident and Health or Sickness	48.6%	52.0%
Combined	59.9%	60.1%

The combined exam has been steady at about 60 percent for two years running, while the two single-line exams sit closer to half. The single-line numbers moved only a few points in either direction between the two years, so there is no sign of a sudden change in difficulty.

Either way, a large share of first-time candidates do not pass on a given attempt. That is the baseline a real study plan has to beat.

Oklahoma does not escalate waiting periods. PSI's bulletin is open about it: "You may test unlimited until you pass." You can keep sitting the exam as many times as it takes, with no mandatory cooling-off period stacking up against you.

The one thing you cannot do is retest the same day you fail. A candidate who fails on a Wednesday can call PSI the next day and retest as soon as Friday, space availability allowing.

Whichever direction you are scheduling, cancel or reschedule at least two days before your appointment or you forfeit the exam fee; a Monday appointment needs cancellation notice by the preceding Saturday.

The LanePrep Oklahoma Life, Accident and Health or Sickness course is nine audio chapters, built directly from the combined exam's outline, each with its own quiz. The scored-item counts below are out of 150.

Week 1, Oklahoma Law and Licensing (Chapters 1 and 8, 38 items together)

• Days 1-2: Chapter 1, Oklahoma Producer Licensing (9 items, free)
• Days 3-6: Chapter 8, Oklahoma Insurance Law, Regulation and Unfair Trade Practices (29 items)

Week 2, Life Products and Policy Provisions (Chapters 2-4)

• Days 7-9: Chapter 2, Life Products (30 items)
• Days 10-11: Chapter 3, Life Policy Provisions and Clauses (22 items)
• Days 12-13: Chapter 4, Riders, Options, Beneficiaries and Policyowner Rights (20 items; Chapters 3 and 4 together are PSI's 42-item provisions section)

Week 3, Underwriting, Health Material and Exam Day (Chapters 5-7 and 9)

• Day 14: Chapter 5, Underwriting and Replacement of Insurance (15 items)
• Days 15-16: Chapter 6, Health Providers and Products (15 items)
• Day 17: Chapter 7, Medicare and Long-Term Care Insurance (10 items)
• Day 18: Chapter 9, Exam Day (free), then a timed run through every chapter quiz in one sitting
• Day 19: Re-drill the questions you missed and re-listen to your weakest chapter
• Day 20: Rest the day before your exam

Take the chapter quiz right after each listen and write down which questions you missed. Two days later, before starting the next chapter, answer those same questions again cold. If you are testing on a single line instead of the combined exam, drop the chapters for the other line and lean harder into Chapters 1, 8 and 9, since Oklahoma law and exam-day logistics apply to every version of the exam. Chapters 1 and 9 are free at /ok/l-and-h/preview, full audio and the chapter quiz, no signup.

Treating Oklahoma law as a small section. Licensing and state statutes are 38 of the 150 scored items, a major block of the exam. Candidates who budget it like a minor topic run out of time to cover producer qualifications, appointments, disciplinary actions, continuing education, unfair practices and the guaranty association in the depth the exam tests. Give Chapters 1 and 8 their own week in the plan above, not a single evening.

Confusing the 10-day free look with the 20-day replacement right. The ordinary free-look period for both individual life insurance and annuities is 10 days from delivery of the policy, under 36 O.S. §4003.1(A), with the refund due within 30 days of cancellation. A separate 20-day right applies to replacement transactions, under 36 O.S. §4034(G): the insurer must guarantee the policyholder at least a twenty-day right to return the policy after delivery for a full refund of premium. These are two different rules for two different situations, and mixing them up is a common and costly error.

Assuming annuities and disability income sort neatly into one line. Under 36 O.S. §1435.8(A), the Life line of authority includes endowment benefits and annuities, and it may include disability income benefits, while the Accident and health or sickness line may also include disability income. Do not assume Oklahoma treats annuities as a separate line; ordinary fixed annuities sit inside the Life line.

Flattening the guaranty association limits. The Oklahoma Life and Health Insurance Guaranty Association (36 O.S. §§2022-2025) does not use one health figure. Under §2025(C), life insurance death benefits are covered up to $300,000, with $100,000 of net cash surrender value, annuities up to $300,000 in present value, and health coverage in tiers: $100,000 for ordinary coverages, $300,000 for disability income and for long-term care, and $500,000 for health benefit plans. Learn the tiers instead of one number.

Waiting too long to apply. Passing is not the same as being licensed. You must apply within two years of passing the exam (36 O.S. §1435.6(I)). That is a generous window, but a score that has quietly expired means sitting the exam again.

Passing is the halfway point, not the finish line.

Bring one piece of current, government-issued photo ID that shows your name and signature, such as a driver's license, passport, military ID or Green Card; temporary IDs are not accepted. PSI transmits your result electronically to the state within 3 business days, and OID takes 5 to 7 business days to process an application once you submit it. You apply within two years of passing, and there is no fingerprint step to schedule.

The resident producer license costs $60 for a two-year term. Renewal costs the same $60 every two years, a late or incomplete renewal costs double, and you can reinstate the same license within 12 months of the renewal due date without retaking the exam (36 O.S. §1435.8(C)). Continuing education is 21 general hours plus 3 ethics hours per two-year period, 24 hours in all, with at least 2 of the 21 on state or federal legislative updates (OAC 365:25-3-1). Up to 6 excess hours carry forward to the next period, and the two-year clock starts the day after your license is granted. For the full cost breakdown, including what a retake adds and where LanePrep fits into the budget, see how much an Oklahoma Life and Health license costs.

Exam structure, fees and the content outline come from PSI's Oklahoma Insurance Department Candidate Information Bulletin and content outlines effective August 1, 2026, 36 O.S. §§1435.6, 1435.8, 1435.23, 1435.29, 2022-2025, 4003.1 and 4034, OAC 365:25-3-1, and NAIC compiled pass-rate data for 2024 and 2025. Read October 2026.