Oklahoma P&C Producer Licensing Requirements

Oklahoma has streamlined licensing requirements with no mandatory pre-license education for Property & Casualty insurance, making it accessible for candidates who prefer self-study.

Eligibility Requirements

To qualify for an Oklahoma P&C license, you must:

Basic Requirements

Disqualifying Factors

The OID may deny licenses for:

• Felony convictions (especially fraud, embezzlement, theft)
• Insurance license revocations in other states
• Misrepresentation on license application
• Failure to pay child support (under certain conditions)
• Recent bankruptcy (within past 7 years, case-by-case review)

Pre-License Education Requirements

No Mandatory Education

Oklahoma has NO pre-license education requirement for Property & Casualty insurance:

• No required classroom hours
• No mandated online courses
• No approved education providers needed
• No certificates to submit

However, successful candidates typically:

• Study 40-60 hours of exam content
• Take practice exams and quizzes
• Review Oklahoma insurance laws
• Study national P&C concepts

Note: While Oklahoma doesn't require pre-license courses, most candidates use exam prep materials to improve their chances of passing the 70% requirement. Self-study or commercial courses are optional but recommended.

Examination Requirements

The Oklahoma Property & Casualty examination consists of two separate exams administered by Pearson VUE:

Property Exam

Casualty Exam

Combined P&C Exam

• Cost: $69 (saves $29 vs. taking separately)
• Requirement: Pass BOTH Property and Casualty sections at 70%+
• Important: Scores are NOT averaged—you must score 70% on each section independently
• Benefit: More convenient, lower total cost

Exam Content Breakdown

Oklahoma State-Specific Content (Approximately 25%):

• Oklahoma Insurance Department regulations
• State licensing requirements
• Oklahoma auto insurance minimums (25/50/25)
• Workers' compensation laws
• State-specific policy provisions
• Ethics and Oklahoma law

National P&C Content (Approximately 75%):

• Insurance principles and concepts
• Property insurance types
• Casualty insurance coverages
• Underwriting and rating
• Claims handling
• Policy provisions and exclusions

Exam Tip: Oklahoma requires 70% on BOTH Property and Casualty exams independently. If you score 85% on Property and 68% on Casualty, you must retake Casualty (not averaged).

Testing Provider

• Prometric administered Oklahoma exams previously
• Pearson VUE now administers all Oklahoma insurance exams as of 2025
• Schedule online at home.pearsonvue.com/ok/insurance
• Testing available at Pearson VUE test centers
• Online proctoring may be available for certain exams

Exam Scheduling

1. Create Account: Register at Pearson VUE website
2. Select Exam: Choose Property, Casualty, or combined
3. Choose Location: Select test center or online proctoring
4. Pay Fee: $49 per exam or $69 combined
5. Schedule Date: Available Monday-Saturday
6. Arrive Early: 30 minutes before appointment

Retake Policy

• Wait Time: 24 hours after failed attempt
• Retake Fee: Full exam fee ($49 or $69) for each attempt
• Attempt Limit: No limit on number of attempts
• Study Between: Use score report to identify weak areas

Exam Results

• Immediate Results: Score provided at test center
• Pass: Receive passing score report for license application
• Fail: Receive diagnostic report showing areas of weakness
• Validity: Exam scores valid for 12 months for licensing

License Application Process

After passing both exams:

Step 1: Pass Exams

• Pass both Property and Casualty exams with 70%+
• Receive passing score report from Pearson VUE
• Exam scores valid for 12 months

Step 2: Fingerprinting and Background Check (REQUIRED)

Oklahoma requires fingerprinting for all insurance license applicants:

Background Check Reviews:

• Criminal convictions
• License revocations in other states
• Regulatory actions
• Financial responsibility (bankruptcy, child support)

Step 3: Submit License Application

Step 4: Company Appointment

After receiving your license:

• Appointment Required: To represent an insurance company
• Company Submits: Insurer appoints you through NIPR
• Appointment Fee: $25 per company
• Renewal: Appointments renew with license

License Types and Authority

Producer License Lines of Authority

Producer Types

Oklahoma distinguishes between:

Insurance Producer (Agent)

• Represents one or more insurance companies
• Must be appointed by insurers to sell their products
• Has binding authority (can commit insurer to coverage)
• Owes duty to both insurer and client

Insurance Broker

• Represents the insurance consumer
• Places business with multiple insurers
• Does NOT have binding authority
• Owes primary duty to client (fiduciary duty)

Limited Lines Producer

• Authorized to sell specific products only
• Examples: Credit insurance, travel insurance, car rental insurance
• Lower licensing requirements

Managing General Agent (MGA)

• Authorized to underwrite and bind coverage
• May appoint sub-agents
• Extended authority from insurer

Continuing Education Requirements

To renew your Oklahoma P&C license every 2 years:

CE Requirements

CE Exemptions

Licensees exempt from CE:

• First renewal period: Between initial license and first renewal
• License held less than 6 months: In the renewal period
• Inactive status: No CE required while inactive

CE Topic Areas

CE courses must cover relevant topics:

• Insurance products and coverages
• Oklahoma insurance law and regulations
• Ethics and professional responsibility
• Industry developments and trends
• Risk management and underwriting
• Claims handling and customer service

CE Compliance

• Track Hours: Keep CE certificates
• Report Completion: CE providers report to OID electronically
• OID Verification: Department tracks CE compliance
• Late Renewal: License lapses if CE not completed
• Reinstatement: May require retaking exam if lapsed over 12 months

Exam Tip: Oklahoma requires 24 hours of CE every 2 years, including 3 hours of ethics. First renewal is exempt from CE. Know that excess CE hours do NOT carry over.

Non-Resident Licensing

Non-Resident License Requirements

If you hold an active P&C license in your home state:

1. Home State License: Must have active license in good standing
2. Application: Apply through NIPR as non-resident
3. No Exam: Oklahoma grants reciprocity (no exam required)
4. Same Requirements: Must meet Oklahoma standards
5. Fee: $100 license fee

Reciprocity

Oklahoma grants reciprocity to non-residents if:

• Home state grants Oklahoma residents reciprocity
• Applicant has active home state license
• No disciplinary actions in any state
• Completes fingerprinting and background check

License Maintenance

License Renewal

License Reinstatement

If license lapses:

License Status Changes

Active Status: Can sell insurance, requires appointments

Inactive Status:

• Cannot sell insurance
• No CE required
• Lower or no renewal fee
• Can reactivate later

Suspended Status:

• OID enforcement action
• Cannot sell insurance
• Must resolve issues to reinstate

Revoked Status:

• Permanent loss of license
• Cannot reapply for specified period (usually 3-5 years)