Passing your Oklahoma insurance license exam is a pivotal part of becoming a licensed insurance agent in the state of Oklahoma.

In this guide, we’ll break down the general information that you need to know in order to pass your exam, outline the differences between each examination line, and offer tips on both: how to prepare for your Oklahoma insurance licensing exam, and on what to do after you pass.

Oklahoma Insurance Exam Basics

General Information

The State of Oklahoma uses Prometric to administer its insurance agent licensing. This means you can register and book all of your licensing examinations through the Prometric website. Your test can be taken online or in person.

Each major insurance line examination is made up of bullet-point questions and includes both general and state-specific material.

The general questions test your federal insurance product and agent knowledge, whereas the state-specific questions test you on the Oklahoma insurance regulations and laws that you will need to know in order to operate as an insurance agent.

Score Explanation

You will be sent an exam score report to your email immediately after the completion of your insurance exam(s). If you choose to take more than one exam, you will be sent more than one score report.

The report indicates the overall score and grade of your exam, including the numerical percentage of questions answered correctly and whether you passed or failed.

You will also be shown how well you did on each major section of the exam. This is important, as you can use these sections as guides if you need to retake an examination.

Cost

Your Oklahoma insurance license exam cost will depend on the number of examinations that you take:

Examination	Cost	Time Allowed
Life, Accident & Health or Sickness Producer	$41	150 Minutes
Property & Casualty Producer	$41	150 Minutes
Life Producer	$41	120 Minutes
Property & Casualty Personal Lines Only Producer	$41	120 Minutes
Casualty Producer	$41	120 Minutes
Property Producer	$41	120 Minutes

Note: You should focus on one exam at a time. This will likely increase the amount of time and effort you can allocate to each examination and should allow you to feel more prepared when you sit your exam.

Oklahoma Life and Health Insurance Exam

Below you can find part of the content outline offered by Prometric.

We recommend using it as a general checklist when working through your pre-license education course. This way, you’ll be absolutely sure that you haven’t missed any topic that you will be tested on later on.

Life, Accident & Health or Sickness Content Outline

150 questions (plus 5 unscored items).

State-Specific Portion

I. Licensing

1. Appointment Procedures
2. Change of Address
3. Disciplinary Actions
4. Maintenance (including CE)
5. Process
6. Purpose
7. Qualifications
8. Types of Licensees

II. State Insurance Statutes, Rules, and Regulations

1. Accelerated Benefits
2. Capacity to Contract for Insurance — Minors
3. Credit Life, Accident, and Health
4. Domestic, Foreign, and Alien Insurers
5. Eligibility Requirements
6. Examination of Books and Records
7. Fair Credit Reporting Act
8. Fraternal Benefit Society
9. Fraud and False Statements
10. Insurance Commissioner General Duties and Powers
11. Insurance Information and Privacy Protection
12. Life and Health Insurance Guaranty Association Act
13. Life Insurance and Annuities
14. Mandated or Required Benefits
15. Mandated or Required Offers
16. Marketing/Advertising Practices
17. Medicare Supplement
18. Mutual Insurers
19. Other Requirements
20. Payment or Acceptance of Commission
21. Proof of Loss
22. Small Employer Health Insurance
23. Standard Nonforfeiture Law
24. State Specific Definitions
25. Stock Insurers
26. Suitability

General Knowledge Portion

I. Provisions, Options, Exclusions, Riders, Clauses, and Rights

1. Mandatory Provisions 
2. Entire Contract 
3. Time Limit on Certain Defenses
4. Grace Period
5. Notice of Claim
6. Claim Forms
7. Proof of Loss
8. Time of Payment of Claims
9. Payment of Claims
10. Legal Actions
11. Change of Beneficiary
12. Continuation and Extension of Benefits
13. Pre Existing Conditions
14. Policy Provisions and Options
15. Entire Contract
16. Insuring Clause
17. Free Look
18. Consideration Clause
19. Owner’s Rights
20. Beneficiary Designations
21. Primary and Contingent
22. Revocable and Irrevocable
23. Common Disaster
24. Premium Payment
25. Modes
26. Automatic Premium Loan

II. Life Products

1. Whole Life — Stock/Mutual
2. Term
3. Universal Life 
4. Endowment 
5. Joint Life
6. Survivorship
7. Annuities
8. Fixed
9. Equity
10. Variable Annuity
11. Variable Life
12. Group Life
13. Viatical Settlement

III. Underwriting

1. Completing the Application
2. Required Signatures
3. Collecting the Initial Premium and Issuing the Receipt
4. Delivering the Policy
5. When Coverage Begins
6. Insurable Interest
7. Medical Information and Consumer Reports
8. Sales Practices

IV. Considerations in Replacing Insurance

1. State Replacement Requirements

V. Health Providers and Products

1. Limited Benefit Plans
2. Specified Disease (cancer, heart)
3. Hospital Confinement Indemnity
4. Major Medical
5. HMOs
6. PPOs
7. MEWAs
8. Group Health Plans
9. Credit Disability Policy
10. Disability Income
11. Dental

VI. Medicare

1. Medicare Advantage (Part C)
2. Part D
3. Medicare Supplement Plans

VII. Long-Term Care (LTC) Policies

1. Deductibility of Premiums for LTC Insurance for State Income Tax Purposes
2. Renewal Features
3. Sales Requirements
4. Minimum Standards
5. Coverage Selections
6. Suitability

Oklahoma Property and Casualty License Exam

Below you can find part of the content outline offered by Prometric.

You should use this outline as a checklist when working through your pre-license education course in order to ensure that you haven’t missed any topic that you will be tested on later on.

Property and Casualty Combined Exam Content Outline

State-Specific Portion

I. Licensing

1. Appointment Procedures
2. Change of Address
3. Disciplinary Actions
4. Maintenance (including CE) 
5. Process 
6. Purpose
7. Qualifications
8. Types of Licensees
9. Policy document electronic delivery
10. Federal Regulation Fair Credit Reporting Act
11.  Federal Regulation Fraud and false statements

II. State Insurance Statutes, Rules, and Regulations

1. Binders 
2. Cancellation and Nonrenewal
3. Domestic, Foreign, and Alien Insurers
4. Examination of Books and Records 
5. Fair Credit Reporting Act
6. Fraud and False Statements 
7. Inducements
8. Insurance Commissioner General Duties and Powers
9. Insurance Information and Privacy Protection
10. Mutual Insurers
11. Payment or Acceptance of Commission
12. Proof of Loss
13. Property and Casualty Insurance Guaranty Association
14. State Specific Definitions
15. Stock Insurers
16. Surplus Lines
17. Unfair Claims Settlement Practices Act
18. Unfair Practices and Frauds
19. Rebating and Inducements
20. Defamation
21. Twisting
22. Policy document electronic delivery
23. Federal Regulation Fair Credit Reporting Act
24. Federal Regulation Fraud and false statements

III. State Automobile Insurance Laws

1. Cancellation/Nonrenewal
2. State Automobile Insurance Plans
3. State Required Minimum Limits of Liability
4. Uninsured/Underinsured Motorist

IV. State Workers’ Compensation

General Portion

I. Personal Policies

1. Personal Lines
2. Dwelling and Contents (DP forms) 
3. Personal Liability
4. Homeowners (HO forms)
5. Mobile Homes
6. Inland Marine
7. Personal Floaters
8. Nationwide Definition
9. Others
10. Flood
11. Personal Watercraft
12. Earthquake

II. Commercial Property Policies

1. Commercial Lines
2. Commercial Property
3. Commercial Building and Personal Property Form
4. Causes of Loss Forms
5. Business Income
6. Extra Expense
7. Commercial Package Policy (CPP)
8. Equipment Breakdown Coverage Form
9. Business owners Policy (BOP)
10. Bonds
11. Crime Bonds
12. Fidelity
13. Crime
14. Inland Marine
15. Commercial Floaters
16. Nationwide Definition
17. Motor Truck Cargo
18. Others
19. Flood
20. Earthquake
21. Burglary and Crime Coverage

III. Property Insurance Terms and Related Concepts

1. Insurance
2. Insurable Interest
3. Risk
4. Hazard
5. Peril
6. Loss
7. Direct
8. Indirect
9. Proximate Cause
10. Deductible
11. Indemnity
12. Actual Cash Value (ACV)
13. Replacement Cost
14. Limits of Liability
15. Coinsurance/Insurance to Value
16. Pair and Set Clause
17. Additional Coverages
18. Accident
19. Occurrence
20. Vacancy and Unoccupancy
21. Right of Salvage
22. Burglary
23. Robbery
24. Theft

IV. Property Policy Provisions and Contract Law

1. Declarations
2. Insuring Agreement
3. Conditions
4. Exclusions
5. Definition of the Insured
6. Duties of the Insured
7. Obligations of the Insurer
8. Mortgagee Rights
9. Proof of Loss
10. Notice of Claim
11. Appraisal
12. Other Insurance Provisions
13. Assignment
14. Subrogation
15. Arbitration
16. Elements of a Contract
17. Warranties, Representations, and Concealment
18. Binders
19. Endorsements
20. Cancellation and Nonrenewal Provisions

V. Personal Casualty Policies and Related Terms

1. Personal Automobile
2. Liability
3. Medical Payments
4. Physical Damage (Collision and Other Than Collision) 
5. Uninsured/Underinsured Motorist
6. Insured definition
7. Types of Auto
8. Owned
9. Temporary Substitute
10. Umbrella/Excess Liability

VI. Commercial Casualty Policies, Bonds and Related Terms

1. Commercial General Liability
2. Basic Hazards
3. Premises and Operations
4. Products and Completed Operations
5. Independent Contractors
6. Contractual
7. Commercial General Liability Coverage Forms
8. Coverage A: Bodily Injury and Property Damage Liability
9. Occurrence
10. Coverage B: Personal Injury and Advertising Injury
11. Coverage C: Medical Payments
12. Who is an Insured?
13. Limits
14. Definitions
15. Owners and Contractors Protective Liability
16. Business (Commercial) Automobile
17. Liability
18. Medical Payments
19. Physical Damage
20. Uninsured/Underinsured Motorist
21. Who is an Insured?
22. Types of Autos
23. Owned
24. Non-owned
25. Hired

VII. Casualty Insurance Terms and Related Concepts

1. Risk
2. Hazard
3. Indemnity
4. Insurable Interest
5. Actual Cash Value (ACV)
6. Negligence
7. Liability
8. Accident
9. Occurrence
10. Binders
11. Warranties
12. Representations
13. Concealment
14. Bodily Injury Liability
15. Property Damage Liability
16. Personal Injury Liability
17. Limits of Liability
18. Insured Contract
19. Certificate of Insurance
20. Underwriting
21. General Concepts

VIII. Casualty Policy Provisions and Contract Law

1. Declarations
2. Insuring Agreement
3. Conditions
4. Exclusions
5. Definition of the Insured
6. Duties of the Insured
7. Duties of the Insured after a Loss
8. Cancellation and Nonrenewal Provisions
9. Proof of Loss
10. Notice of Claim
11. Other Insurance Provisions
12. Subrogation
13. Claims Made Form
14. Salvage
15. Limitations
16. Elements of a Contract
17. Obligations of the Insurer
18. Endorsements

How to Pass the Oklahoma Insurance Exam

Passing your Oklahoma insurance exam ultimately comes down to your mindset and degree of preparation.

We have composed a few helpful exam tips and tricks that should help you perform as well as you can during your exam day.

Get a Pre-License Course

Even though this is not a requirement in the state of Oklahoma, getting a pre-license course can be incredibly beneficial. These courses can help you get accustomed to the extensive amount of content that you will have to memorize.

We recommend Kaplan’s course because it offers a variety of helpful features, including:

• Online exam simulations
• Live online training
• Printable study guides
• End of chapter reviews

Make Enough Time to Study

Not leaving enough time to prepare is one of the easiest ways to ensure that you do not pass your exam on your first attempt.

Remember, there are zero questions on your exam that are based on common sense or critical thinking. All questions are purely factual, and so will relate to how well you understand and remember the content that you have learned.

We recommend allocating around one to two weeks to prepare for your exam, as this should allow you to go through all of the material at least twice.

Control Test Anxiety

Even though you cannot control whether you get exam anxiety or not, you can take a few steps when preparing to limit its effect on your performance:

• Establish a consistent pretest routine — Acclimate yourself to exam conditions by following a specific routine on each practice exam at home. This should help you feel less anxious during your exam day.
• Get plenty of sleep — Lack of sleep can exacerbate your anxiety and increase your self-doubt. Make sure you are consistently getting a good night’s sleep in the week leading up to your exam.
• Study effectively — This sounds obvious, but make sure you are actually tailoring your studying to the exam that you are taking. Remember, there are no critical thinking or common sense questions involved.
• Arrive early — If you are planning to sit your exam in person, we recommend you arrive at least 30 minutes before it’s due to start in order to get used to your surroundings and have time to check in with your center’s administrator.

Getting Your Oklahoma Insurance License

Your next steps will depend on whether you actually passed your exam, as well as on whether you plan to get licensed for any additional lines.

You can apply for your license up to 24 months after you complete your exam, so if you would like to attempt passing additional insurance line exams before filing your licensing application with the Oklahoma Insurance Department, you are totally free to do that.

After you have passed your insurance licensing exam, you will need to:

• Complete a background check
• File your licensing application
• Wait for your application to be reviewed

Oklahoma Department of Insurance Contact Information

Mailing Address:

Oklahoma Insurance Department
Five Corporate Plaza
3625 Northwest 56th, Suite 100
Oklahoma City, Oklahoma 73112-4511

Phone: (405) 521-2828

Fax: (405) 521-6635

Email: licensing@oid.ok.gov

Website: http://www.ok.gov/oid

License Search: Oklahoma Insurance License Search and Lookup