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Oklahoma insurance license requirements

Do you want to become an insurance agent and get your Oklahoma insurance license? XCEL has taught thousands of aspiring insurance professionals in Oklahoma and we make it easy for you to get up to speed on the Oklahoma insurance requirements.

Oklahoma Insurance License SchoolOklahoma Insurance License School

How To Obtain an Oklahoma Insurance Producer License

The state of Oklahoma has no formal pre-licensing education requirement however it is recommended as the prelicensing course is designed to prepare candidates for the State Licensing Examination.  

**Applicants with a criminal background should file license application directly with the Department of Commerce and insurance and receive approval before completing the required prelicensing education. 

1. Complete the Pre-Licensing Course

  • Life Only 
  • Accident & Health Only 
  • Life, Accident & Health  
  • Casualty Insurance  
  • Property Insurance  
  • Property and Casualty  
  • Personal lines  

Course Requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter. 
  • Assessments on key topics throughout the course must be successfully passed with a minimum score of 70% before moving onto the next chapter. 

2. Schedule the Oklahoma State Examination

Online Proctored Exams

  • You must check the compatibility of your computer before registering for the exam. https://syscheck.bridge.psiexams.com
  • If your computer is not compatible with the online software, you will need to schedule your examination at the Prometric test center.
    • If you have any questions regarding your compatibility check, or if you experience issues launching your test, you may contact PSI’s technical support team at (844) 267-1017
Limitation on Repeat Examinations
  • There are no limits on exam retakes. 

3. Pass the State Exam

  • Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period. 
    • Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam. 
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.” 
  • On the day of testing, you must present a valid government issued photo id

4. Apply for License

  • Submit license application online through www.nipr.com
    • Applicants with criminal convictions must return to www.licensing.oid.ok.gov and submit the 1033 Waiver application, under Online application, prior to continuing. You can only continue with the license application once a waiver has been granted.
  • Application fee $60 plus processing fee
  • If you answer “Yes” to a background question on the application, submit your written statement accompanied by corresponding court documents (printouts from a court’s web site are not acceptable) as part of your NIPR electronic license application using the Attachments Warehouse
  • If you need to submit other additional documents as part of your NIPR electronic license application, use the Attachments Warehouse.
  • NIPR verifies exams prior to allowing submission of an application.

PSI Exam Outlines

DESCRIPTION Question Count % of Exam Questions
Life Health L&H Life % Health % L&H %
State Specific
Licensing 6 6 9 6% 6% 6%
State Insurance Statutes, Rules, and Regulations 19 19 29 19% 19% 19%
Life Insurance
Provisions, Options, Exclusions, Riders, Clauses, and Rights 28 0 42 28% 0% 28%
Life Products 25 0 30 25% 0% 20%
Underwriting 20 0 13 20% 0% 9%
Considerations in Replacing Insurance 2 0 2 2% 0% 1%
Health Insurance
Provisions, Options, Exclusions, Riders, Clauses, and Rights 0 32 15 0% 32% 10%
Underwriting 0 10 5 0% 10% 3%
Considerations in Replacing Insurance 0 3 0 0% 3% %
Health Providers and Products 0 20 0 0% 20% 0%
Medicare 0 5 0 0% 5% 0%
Long-Term Care (LTC) Policies 0 5 5 0% 5% 3%
Total for all parts
Total Scored Questions on Exam 100 100 150
Maximum Time allowed to complete exam in minutes 120 120 150
Passing Score 70 70 70
DESCRIPTION Question Count % of Exam Questions
Casualty Property P&C Casualty % Property % P&C %
State Specific
Licensing 3 6 7 4% 8% 5%
State Insurance Statutes, Rules, and Regulations 11 13 16 15% 17% 11%
State Automobile Insurance Laws 3 0 10 4% 0% 7%
State Workers' Compensation 2 0 5 3% 0% 3%
Casualty Insurance
Personal Casualty Policies and Related Terms 6 0 10 8% 0% 7%
Commercial Casualty Policies, Bonds and Related Terms 30 0 20 40% 0% 13%
Casualty Insurance Terms and Related Concepts 13 0 15 17% 0% 10%
Casualty Policy Provisions and Contract Law 7 0 9 9% 0% 6%
Property Insurance
Personal Policies 0 7 8 0% 9% 5%
Commercial Property Policies 0 15 15 0% 20% 10%
Property Insurance Terms and Related Concepts 0 20 20 0% 27% 13%
Property Policy Provisions and Contract Law 0 14 15 0% 19% 10%
Total for all parts
Total Scored Questions on Exam 75 75 150
Maximum Time allowed to complete exam in minutes 120 120 120
Passing Score 70 70 70
DESCRIPTION Question Count % of Exam Questions
Personal Lines Insurance
Licensing 5 5%
State Insurance Statutes, Rules, and Regulations 10 10%
State Automobile Insurance Laws 10 10%
Personal Policies 15 15%
Property Insurance Terms and Related Concepts 15 15%
Property Policy Provisions and Contract Law 15 15%
Personal Casualty Policies and Related Terms 10 10%
Casualty Insurance Terms and Related Concepts 10 10%
Casualty Policy Provisions and Contract Law 10 10%
Total for all parts
Total Scored Questions on Exam 100
Maximum Time allowed to complete exam in minutes 120
Passing Score 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Register for exam
3. Pass exam
4. Apply for license**

Governing Agency

Name: Oklahoma Insurance Department
Phone: 405-521-3916
Website: https://www.oid.ok.gov/licensing-and-education/
Address: 400 NE 50th Street Oklahoma City, OK 73105

Oklahoma Insurance License Renewal and Compliance Requirements

XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.

License Renewal Timelines

Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month every two years. 

  • On-going renewal periods are the last day of the agent’s birth month every two (2) years thereafter. 

Continuing education requirements must be met before submitting the license renewal application. 

Complete Required Continuing Education

Requirements Per License 

Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics, before submitting their renewal application. 

Specific Product Training Requirements

The Oklahoma Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.

Long-term Care Training Requirements

  • Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance. 
  • Agents must also complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance. 
  • The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement. 
  • Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course. 
  • Non-resident agents may complete these training requirements in any state. 

Annuity Best Interest Training Requirements

  • Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products. 
  • Annuity Best Interest course credits count towards the agent's 24-hour CE requirement. 
  • Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Oklahoma. 

Flood Insurance (NFIP) Training Requirements

  • Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance. 
  • The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement. 

Course Requirements

  • Licensees can use independent self-study courses to meet all requirements. 
  • Licensees must take courses in which the license is held. 
  • Self-study exams are closed book and require a monitor/proctor. 
  • Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles. 
  • Excess credits of up to 6 hours earned in the previous biennial renewal period can be carried over to the next reporting period. All credit hours will be applied as general credits. 
  • Licensees cannot repeat a course within a 24-month period from course completion date. 

Reporting to your State

  • Students must provide their National Producer Number (NPN) to report on course completion. 
  • $1.00 per credit hour is required to report course completions to your state. 
  • Course completions are reported within one business day. 

Renew your License

Resident and nonresident license renewal applications are processed through NIPR. A $60 renewal fee is required. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Helpful Resources

Oklahoma Department of Insurance - Licensing Division
https://www.oid.ok.gov/licensing-and-education/
405-521-6635
Licensing@oid.ok.gov
400 NE 50th Street, Oklahoma City, OK 73105