Can You Pass the Oklahoma Insurance Exam Without Pre-Licensing Classes?

Oklahoma is one of the more accessible states for aspiring insurance agents because it doesn't mandate pre-licensing coursework before you sit for the exam. But that accessibility comes with a catch: without required education, candidates who skip structured preparation often underestimate the exam's difficulty. The state licensing exam is administered by PSI Services on behalf of the Oklahoma Insurance Department (OID)Licensing And Education, and it tests both national insurance knowledge and Oklahoma-specific regulations.

What Are Oklahoma's Pre-Licensing Education Requirements?

For most lines of authority, Oklahoma has no formal pre-licensing education requirement. You can register directly with PSI and schedule your exam without completing any coursework. The one exception is bail bondsmen, who must complete at least 16 hours of prelicensing education before testing. However, the OID and virtually every exam prep provider strongly recommend completing a preparation course. Candidates who study with a structured program consistently outperform those who attempt the exam cold.

Without a mandatory course guiding your study, it's entirely on you to cover the right material at the right depth. That's why choosing a quality exam prep coursePre License How To Study Insurance Licensing Exam Resources is one of the smartest investments you can make; it provides the structure and accountability that self-study alone often lacks.

What Is on the Oklahoma Insurance Exam?

Oklahoma's licensing exams are divided into a general section covering national insurance concepts and a state-specific section covering Oklahoma laws, regulations, and practices. The combined Life, Accident & Health exam includes 150 questions with a 2.5-hour time limit — 112 general questions (158 minutes) and 38 state-specific questions (52 minutes). Single-line exams for Life or Accident & Health each have 100 questions with a 2-hour time limit. The Property & Casualty exam follows a similar structure.

You need a 70% score on each section independently — the general and state portions are scored separately and not averaged together. This means you can't coast through one section to compensate for weakness in the other. Pay particular attention to Oklahoma-specific content including appointment procedures, disciplinary actions, the Oklahoma Life and Health Insurance Guaranty Association Act, and state-specific mandated benefits and marketing practices.

Oklahoma Insurance Exam at a Glance

Detail	Life, Accident & Health (Combined)	Property & Casualty	Single Line (Life or A&H)
Exam Vendor	PSI Services
Questions	150 (112 general + 38 state)	Similar split	100
Time Limit	2.5 hours	2.5 hours	2 hours
Passing Score	70% on each section independently
Pre-Licensing Required	None — Oklahoma does not require pre-licensing education
Format	Computer-based, multiple choice — in person or remote via PSI Bridge

How Should You Build a Study Plan Without Required Coursework?

Since Oklahoma doesn't require you to complete education hours, you have the freedom to design your own preparation timeline. Most successful candidates spend two to six weeks preparing, depending on whether they're studying full-time or part-time. A good rule of thumb is 40 to 60 hours of total study time for your first line of authority.

Start by downloading the exam content outline from PSI's candidate information bulletin for Oklahoma. This document breaks down every topic and subtopic that may appear on your exam, along with the number of questions per section. Use it as your study roadmap.

Structure your study in three phases. During the first phase, spend one to two weeks learning the core concepts — insurance fundamentals, policy types, contract law, and the basics of whatever line you're pursuing. In the second phase, shift to Oklahoma-specific regulations, spending focused time on state statutes, the OID's regulatory powers, and agent compliance requirements. In the final phase, dedicate your remaining time to full-length practice exams and targeted review of weak areas. Understanding the full range of insurance products and careersPre License Your Complete Guide To Insurance Types And Career Opportunities Resources can give you valuable context for exam questions.

What Study Strategies Work Best for Oklahoma Candidates?

Practice exams are your most powerful tool. Take them under realistic conditions — timed, in a quiet space, without notes. After each practice test, review every question you missed and create a running list of concepts that keep tripping you up. As test day approaches, that list becomes your focused review guide.

Active recall beats passive reading every time. Instead of rereading chapters, close your materials and try to write out everything you remember about a topic. Then check your notes to see what you missed. This retrieval practice method builds stronger neural connections than simply highlighting text.

For Oklahoma's state-specific content, focus on these high-priority areas: the Insurance Commissioner's general duties and powers, producer licensing requirements, continuing education rules, unfair claims practices, and the specific provisions of the Oklahoma Insurance Code that differ from national standards. Oklahoma also tests on the Fraternal Benefit Society, credit life insurance regulations, and the state's approach to domestic, foreign, and alien insurers.

Don't try to sit for multiple exam lines simultaneously. The OID allows it, but most successful candidates focus on one line at a timePre License How To Become An Insurance Agent With No Experience Resources to avoid confusing overlapping material.

What Should You Expect on Exam Day in Oklahoma?

Oklahoma exams are administered at PSI testing centers and through remote online proctoring. Arrive at the test center 30 minutes early to check in and verify your identification. You'll need a valid government-issued photo ID. All testing sessions are video and audio recorded. No personal items — cell phones, watches, wallets, or study materials — are allowed in the testing room.

Your results appear on screen immediately after you submit the exam. If you pass, wait three business days for PSI to report your score to the OID, then submit your license application at www.licensing.oid.ok.govLicensing And Education. If you don't pass, you'll receive a diagnostic report showing your strengths and weaknesses by section. You can't book a new exam on the same day, but there's no extended waiting period for retakes.

What Can Slow Down the Licensing Process in Oklahoma?

• Registration errors: Your legal name, date of birth, and Social Security number must match your government-issued ID exactly when registering with PSI. Mistakes can take weeks to correct.
• Skipping structured preparation: Without required education, candidates who self-study without a plan have significantly higher failure rates.
• Not waiting the required three business days: You cannot apply for your license until PSI reports your passing score to the OID.
• Background disclosure issues: Answering "yes" to background questions requires submission of court documents and additional review time.

How Does Oklahoma Compare to Other States?

Oklahoma's lack of a pre-licensing education requirement makes it one of the most accessible states for new agents. States like New York require up to 96 hours of coursework, while Illinois mandates classroom-based education. Michigan requires 20 hours per line. The absence of required hours in Oklahoma can be an advantage — you can move faster — but it also means the responsibility for adequate preparation falls entirely on you. Agents who treat exam prep seriously from the start tend to build stronger long-term career habitsPre License Tips Becoming A Successful Insurance Agent Resources.

How Do State Pre-Licensing Requirements Compare?

State	Pre-Licensing Required?	Hours (Varies by Line)	Exam Vendor	Passing Score
New York	Yes	20–96 hours	PSI Services	70%
Michigan	Yes	20–40 hours	Prometric	70%
Oklahoma	No	—	PSI Services	70%
North Carolina	No	—	Pearson VUE	70%
South Carolina	No	—	Pearson VUE	70%
Louisiana	No	—	Prometric	70%

After you pass, you'll need to wait three business days for PSI to report your score, then submit your application and start building your career. For the full walkthrough — from carrier appointments to CE deadlines — read our guide on your first steps after getting licensed in OklahomaPre License Your First Steps After Getting Licensed In Oklahoma Resources.