Okla. Stat. tit. 14A, § 14A-4-106: Unconscionability

(1) In applying the provisions of the act on unconscionability

(Sections 5-108 and 6-111) to a separate charge for insurance,

consideration shall be given, among other factors, to

(a) potential benefits to the debtor including the

satisfaction of his obligations;

(b) the creditor's need for the protection provided by the

insurance; and

(c) the relation between the amount and terms of credit

granted and the insurance benefits provided.

(2) If consumer credit insurance otherwise complies with this

article and other applicable law, neither the amount nor the term of

the insurance nor the amount of a charge therefor is in itself

unconscionable.