Getting an insurance license in Oklahoma

Accident and Health or Sickness

Sells cover for sickness, bodily injury or accidental death in Oklahoma, and it may carry disability income benefits too. No pre-licensing course is required.

Aircraft Title Insurance

Cover protecting an aircraft owner or lender against loss of the aircraft, or of a priority security position in it, if an adverse claim on the title succeeds. It is a line of authority nowhere else on this site.

Apprentice Adjuster

Six months of adjusting under somebody else's license, with no examination, so that a beginner can get the experience the adjuster license asks for. The statute calls it optional in its first sentence, and it ends the moment the apprentice passes the adjuster paper.

Bail Bondsman

Writes appearance bonds in Oklahoma's courts under one of five lines of authority. It is the one license the Insurance Commissioner issues that requires a pre-licensing course, sixteen hours of it, and the course has to be finished before the applicant is even allowed to sit the paper.

Car Rental

Held by the rental or leasing company rather than by the person at the counter. One license covers every location the company operates, and its price depends on how many locations there are, which is the only Oklahoma license whose fee moves with the size of the business.

Casualty

Sells cover against legal liability in Oklahoma, including liability for death, injury or disability and for damage to real or personal property. No pre-licensing course is required.

Commercial Lines

Property and casualty coverage sold to businesses for primarily commercial purposes. Oklahoma is one of the few states that names commercial lines as a line of authority of its own, and its examination vendor prints no paper of that name: the Property and Casualty paper is what a candidate sits.

Credit

Limited line credit insurance in Oklahoma. Nothing stands between an applicant and this license but the application: the Commissioner made the finding 36 O.S. 1435.10(A)(1) asks for once and for the whole class of limited lines producers, and the examination vendor gives no credit paper.

Crop

Sells crop insurance in Oklahoma, whether it is written by the private market or subsidized by the Federal Crop Insurance Corporation. It is a limited line, so no paper and no classroom stand between an applicant and the license.

Customer Service Representative

The person in the agency's own office who helps transact the business of insurance for the producer, broker or agency that appointed them. Oklahoma reaches it by definition rather than by a licensing section: the Code says a customer service representative is required to be licensed as an insurance producer, so the license is a producer license and the examination goes with it.

Emergency Adjuster

Exists only after the Commissioner declares a catastrophe, lasts ninety days, and covers only claims from that catastrophe. The applicant does not have to be a licensed adjuster, and cannot apply alone: a licensed adjuster or an insurer has to certify them and then answers for what they do.

Home Service Contract Provider

Sells home warranties. The Act that governs it says in its own purpose clause that these contracts are not insurance and not otherwise regulated under the Insurance Code, and then has the Insurance Department register the people who sell them and hold them to reserves an insurer would recognize.

Insurance Adjuster

Investigates claims, adjusts losses and negotiates settlements for an insurer in Oklahoma. One license carries both halves of the trade, the independent adjuster who sells the service and the company or staff adjuster on an insurer's payroll, and the applicant names the classes of business it is to cover.

Insurance Consultant

Advises on insurance for a fee paid by the client rather than a commission paid by a carrier. Like the customer service representative it exists in the Code only inside the definition of an insurance producer, so it is a producer license with a different name, a different fee and the same examination.

Life

Sells life insurance in Oklahoma, which the statute writes as coverage on human lives including endowment and annuity benefits, benefits for death or dismemberment by accident, and disability income. Oklahoma asks no pre-licensing course for it.

Managing General Agent

Runs all or part of an insurer's book in Oklahoma, appoints producers for it and can terminate them. The Act that governs it grants nothing on its own, because it asks the applicant to be a licensed producer first, and what makes it a license here rather than an appointment is that the legislature prices it separately.

Motor Service Club

Sells motor club memberships, which Oklahoma regulates as insurance even though most of what they promise is a tow truck. The person selling holds this limited line; the club itself holds a certificate of authority and puts up $50,000 in cash or a $100,000 bond before it may sell anything.

Navigator Entity

The organization that employs or supervises navigators and takes legal responsibility for what they do. It registers rather than licenses, and what the statute asks of it is a set of policies and an acceptance of liability rather than anything an individual could study for.

Navigator

Helps Oklahomans prepare applications and enroll in coverage on the federal marketplace. The Department is plain that it is a registration and not a license, and its education requirement is unlike any other on this site: a set of materials the Department itself publishes, which the applicant reads and then attests to having read.

Personal Lines

Property and casualty insurance sold to individuals and families for primarily noncommercial purposes in Oklahoma.

Pharmacy Benefit Manager

Administers prescription drug benefits for an insurer or another payer. The Insurance Department still licenses it even though the Attorney General took over enforcing the act behind it in 2023, and its bond is set by how many Oklahomans the manager covers.

Prepaid Legal Liability Insurance

Sells the promise that somebody else will pay for a lawyer. Oklahoma runs it as a limited line of the producer license, examined by nobody and taught by nobody, and the whole of what the state asks is that the applicant be a fit person who has paid the fee.

Property

Sells cover for direct or consequential loss or damage to property of every kind in Oklahoma. No pre-licensing course is required.

Public Insurance Adjuster

Works for the policyholder rather than the insurer, for a fee out of the settlement. Oklahoma keeps it inside the same act as the insurer's adjuster and then fences it in three ways nothing else here carries at once: property claims only, a $25,000 bond, and a hard ceiling on what the adjuster may charge.

Reinsurance Intermediary Broker

Places reinsurance cessions for a ceding insurer without the power to bind the reinsurer. Oklahoma stacks it on a producer license, asks for no examination of its own and no course, and reaches brokers working out of other states as well as this one.

Reinsurance Intermediary Manager

Binds or manages assumed reinsurance business for a reinsurer, which is the half of the trade with authority. It carries the same producer license and no examination, and the Commissioner may add a bond and errors and omissions cover that the broker's side never faces.

Self-Service Storage

Lets the storage facility sell cover on what its tenants put in the unit. The license belongs to the owner of the facility, and the statute limits the cover to loss or damage on the premises or in transit to and from it.

Service Warranty Association

Sells contracts to repair or replace consumer goods that break. Oklahoma licenses the association out of a consumer protection title rather than the Insurance Code, and its charges are the plainest example on this site of a license whose real cost is not the license fee.

Surety

Sells bonds that answer for somebody else's debt or default. The line stops short of the courthouse: the statute that creates it says in as many words that it does not reach bail, which Oklahoma licenses under a different title entirely.

Surplus Lines Insurance Broker

Places business with insurers Oklahoma has not admitted, after the admitted market has been asked and has said no. It sits on top of a property and casualty producer license, carries a bond, and has no paper of its own.

Temporary Insurance Producer

Keeps an agency running when the producer who held it dies, is disabled or is called up. It goes to the surviving spouse, the personal representative, a member of the business entity or the designee, it needs no examination, and it ends when the business is sold.

Third Party Administrator

Collects premiums or settles claims for an insurer or a trust in connection with life or health coverage, annuities or stop loss. Oklahoma licenses the administrator itself, on a bond and a written agreement with the insurer rather than on any qualification of a person.

Title Insurance

Insurance that insures or guarantees the title to real or personal property, or any interest in or encumbrance on it, in Oklahoma.

Travel

Sells travel insurance in Oklahoma as a limited line of the producer license. The Insurance Code names it in one word and adds no scheme of its own, which is unusual: most states that license travel write a chapter about the retailer as well.

Variable Life and Variable Annuity Products

Sells cover provided under variable life insurance contracts and variable annuities in Oklahoma. The page said until 2026-08-19 that the statute conditions this line on nothing else. The rule conditions it on two other things, and it splits the line in half: variable life rests on the Oklahoma life examination and a securities registration, and variable annuity takes no test at all.

Viatical Settlement Broker

Negotiates the sale of a life policy on behalf of the person who owns it, for a fee, working exclusively for that person. A life producer of a year's standing is deemed to meet the licensing requirements and simply tells the Commissioner within thirty days of starting, which makes this one of the few licenses on this site where the application follows the work.

Viatical Settlement Provider

Buys the life policy. It is the money side of a viatical settlement rather than the advice side, and Oklahoma asks it for a plan of operation, an antifraud plan and evidence of financial responsibility rather than for anything a person could study.