Oklahoma Life & Health Insurance Practice Test 2026
Practice the exam Oklahoma uses, from general life & health knowledge to Oklahoma's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Oklahoma's own insurance law.
150 scored questions, 2 hours 30 minutes allowed. The passing score is set by Oklahoma; check the candidate handbook.
Last verified October 2026 · Life, Accident and Health or Sickness Producer Examination Content Outline
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About the Oklahoma Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Oklahoma Life & Health test
Oklahoma's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Licensing9 Qs
- State Insurance Statutes, Rules, and Regulations29 Qs
- Provisions, Options, Exclusions, Riders, Clauses, and Rights42 Qs
- Life Products30 Qs
- Underwriting13 Qs
- Considerations in Replacing Insurance2 Qs
- Health Providers and Products15 Qs
- Medicare5 Qs
- Long-Term Care (LTC) Policies5 Qs
Source: Oklahoma Insurance Examination Content Outline effective 8/1/2026 (so listed by the PSI Oklahoma candidate bulletin); the outline PDF itself prints only "OK LIFE, ACCIDENT AND HEALTH OR SICKNESS PRODUCER - 150 Questions plus 5 unscored - 150 Minutes". (Oklahoma Life, Accident and Health or Sickness Producer Examination Content Outline). Confirm current weights with the testing company before you book.
What to bring to the Oklahoma exam
Oklahoma official sources
- Unfair methods of competition and deceptive acts prohibited and definedOkla. Stat. tit. 36, ss. 36-1203/1204 · Oklahoma State Legislature (oksenate.gov)
- License required for selling, soliciting, or negotiatingOkla. Stat. tit. 36, s. 36-1435.4 · Oklahoma State Legislature (oksenate.gov)
- Suspension, revocation, or refusal to issue or renew licenseOkla. Stat. tit. 36, s. 36-1435.13 · Oklahoma State Legislature (oksenate.gov)
- Standard provisions required in life insurance policiesOkla. Stat. tit. 36, ss. 36-4001 to 36-4023 · Oklahoma State Legislature (oksenate.gov)
- Accident and health policy provisions (mandatory and optional)Okla. Stat. tit. 36, s. 36-4405 · Oklahoma State Legislature (oksenate.gov)
- General ProvisionsOklahoma Statutes Title 36 Article 1 and following, Secs. 36-101 through 36-650 · Oklahoma State Senate (oksenate.gov), Oklahoma Statutes Title 36
- Trade Practices and FraudsOklahoma Statutes Title 36 Article 12, Secs. 36-1201 through 36-1260 · Oklahoma State Senate (oksenate.gov), Oklahoma Statutes Title 36
- Producer LicensingOklahoma Statutes Title 36 Article 14, Secs. 36-1415.2 through 36-1478 · Oklahoma State Senate (oksenate.gov), Oklahoma Statutes Title 36
All Oklahoma insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Oklahoma provisions the questions on this page cite most often.
- 36 O.S. § 1204 · False Information and Advertising Generally7 questions
- 36 O.S. § 4405 · Required Provisions: Claim Forms6 questions
- Okla. Stat. tit. 36, § 4405 · Change of Occupation5 questions
- Okla. Stat. tit. 36 § 1204 · Boycott, coercion and intimidation4 questions
- 36 O.S. § 4002 · Standard Provisions Required in Life Insurance Policies3 questions
- 36 O.S. § 4404 · Form of Policy - form number identification3 questions
- Okla. Stat. tit. 36 § 1435.13 · Grounds: false information in license application3 questions
- Okla. Stat. tit. 36, § 1204 · Boycott, coercion and intimidation3 questions
Exam figures on this page were checked against official pages: Testing company · Exam fee · Pre-licensing. Confirm anything you rely on with the testing company and the Oklahoma Department of Insurance.