Oklahoma Insurance License
The Oklahoma insurance license exam, in plain numbers.
Everything below is specific to Oklahoma — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Oklahoma
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 150 | 105 | 70% | 45 |
Administered by PSI Services for the Oklahoma Insurance Department. Time limit: 158 minutes for the General portion and 52 minutes for the State portion. Roughly 38 of the scored questions (25%) come from Oklahoma law — the block national courses cover most lightly.
Prelicensing
Not required. Oklahoma has no formal prelicensing education requirement; courses are optional preparation.
Continuing education
Continuing education is required on a biennial cycle. Up to 6 excess hours carry over to the next period, and a course may not be repeated for credit within 24 months.
License term
renewed on a biennial cycle
Regulator
The Oklahoma Insurance Department oversees licensing, headed by elected statewide.
Oklahoma Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Oklahoma policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $300,000 |
The Study Guide
Written for Oklahoma, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Oklahoma insurance exam questions, answered
How many questions are on the Oklahoma insurance license exam?
The combined life and health exam has 150 scored questions. You need 105 correct to pass at 70%, which means you can miss 45.
What is the passing score for the Oklahoma insurance exam?
70%. That works out to 105 correct answers out of 150 scored questions.
Who administers the Oklahoma insurance license exam?
PSI Services, on behalf of the Oklahoma Insurance Department.
Does Oklahoma require prelicensing education?
Not required. Oklahoma has no formal prelicensing education requirement; courses are optional preparation.
How much continuing education does Oklahoma require?
Continuing education is required on a biennial cycle. Up to 6 excess hours carry over to the next period, and a course may not be repeated for credit within 24 months.
Is there a Oklahoma life-only or health-only exam?
No. Oklahoma tests life and health together as one combined exam, so there is no single-line edition.
How much does a Oklahoma study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Oklahoma Insurance Department.