How to Get Your Oklahoma Life & Health Insurance License: Step-by-Step Guide

A Life & Health license lets you sell life insurance, annuities, health insurance, and long-term care products in Oklahoma. Getting one comes down to four stages: eligibility, studying, passing your PSI exam, and applying for the license itself.

Quick answer: Oklahoma doesn't require a set number of pre-licensing hours for Life & Health — most candidates study for one to three weeks, pass a $38 PSI exam scored across two sections (general and Oklahoma law), then apply through NIPR and are licensed within about a month.

Step 1: Confirm you're eligible

You must be at least 18 years old and a U.S. citizen (or hold a valid visa or I-94 card) to sit for the exam. A prior criminal conviction, a withheld or deferred judgment, or an open criminal case can affect your application — see the Oklahoma Insurance Department's licensing overview before you invest time studying if any of that applies to you.

Oklahoma's producer exams are open eligibility — there's no cap on retakes, though you pay the exam fee again each time.

Step 2: Study the required material

Oklahoma doesn't mandate pre-licensing hours for Life & Health, but the exam draws heavily on both general life/health insurance concepts (policy types, riders, underwriting, annuities) and Oklahoma-specific statute, so studying without a state-specific course is a real handicap. Our Oklahoma Life & Health course is built directly against Title 36 of the Oklahoma Insurance Code, with a practice question bank sized well beyond what the real exam covers.

Step 3: Schedule and pass your exam through PSI

Oklahoma's insurance exams are administered by PSI Services LLC, either at a physical test center (Oklahoma City, Tulsa, Norman, Lawton, Enid, and several other cities) or via remote online proctoring. The Life & Health exam is graded in two separately-scored sections — general knowledge and Oklahoma law — and you must pass both to pass the exam overall.

A few practical notes for exam day:

• Bring one form of current, government-issued photo ID — no temporary IDs accepted.
• Arrive 15 minutes early; latecomers forfeit their exam fee.
• No phones, smartwatches, notes, or bulky outerwear allowed in the testing room.
• You need 70% correct on each section.
• Cancel or reschedule at least 2 days ahead or you forfeit the fee.

Step 4: Apply for your actual license

Passing the exam doesn't license you automatically. Oklahoma routes license applications through NIPR. Wait roughly 3 business days for your results to reach NIPR and the Oklahoma Insurance Department, then submit your application through the OID's licensing portal. Processing typically takes another 5–7 business days once submitted.

What it actually costs

Item	Typical cost
PSI exam fee (per attempt)	$38
Resident producer license application fee	$60
Pre-licensing course	Varies by provider

These figures come from NIPR's Oklahoma fee schedule and PSI, and can change — confirm the current amount before you pay.

Staying licensed after you pass

Oklahoma producer licenses renew on a 2-year term and require 24 hours of continuing education (including ethics and legislative-update hours) before expiration. See the OID's CE requirements page for current details.

Putting it together

Most candidates study for one to three weeks, schedule their exam once practice scores are consistently well above 70%, and have an active Life & Health license within about a month of finishing their coursework.

Related reading

• How Much Does It Cost to Get an Insurance License in Oklahoma?
• Producer vs. Adjuster License: What's the Difference?
• What to Bring to Your PSI Insurance Exam (Oklahoma & Arizona)
• 7 Tips to Pass Your Oklahoma Insurance Licensing Exam