Okla. Stat. tit. 14A, § 14A-4-203: Filing and approval of rates and forms

(1) A creditor may not use a form, or a schedule of premium

rates or charges for consumer credit insurance, the filing of which

is required by this section, if the Insurance Department has

disapproved the form or schedule and has notified the insurer of its

disapproval. A creditor may not use a form or schedule unless

(a) the form or schedule has been on file with the

Insurance Department for thirty (30) days, or has

earlier been approved by it; and

(b) the insurer has complied with this section with

respect to the insurance.

(2) Except as provided in subsection (3), all policies,

certificates of insurance, notices of proposed insurance,

applications for insurance, endorsements and riders relating to

consumer credit insurance delivered or issued for delivery in this

State, and the schedules of premium rates or charges pertaining

thereto, shall be filed by the insurer with the Insurance

Department. It shall, within thirty (30) days after the filing of

any form or schedule, disapprove it if the premium rates or charges

are unreasonable in relation to the benefits provided under the

form, or if the form contains provisions which are unjust, unfair,

inequitable, or deceptive or encourage misrepresentation of the

coverage or are contrary to any provision of the Oklahoma Insurance

Code or of any rule or regulation promulgated thereunder.

(3) If a group policy has been delivered in another state, the

forms to be filed by the insurer with the Insurance Department are

the group certificates and notices of proposed insurance. It shall

approve them if

(a) they provide the information that would be required if

the group policy were delivered in this state; and

(b) the applicable premium rates or charges do not exceed

those established by its rules or regulations.