Okla. Stat. tit. 36, § 36-2115: Membership in mutuals

A. Each holder of one or more insurance policies or contracts

issued by a domestic mutual insurer, other than a contract or

reinsurance, is a member of the insurer with all the rights and

obligations of such membership, and each such policy or contract so

issued shall so specify.

B. Any person, government or governmental agency, state or

political estate, trustee or fiduciary may be a member of a

domestic, foreign or alien mutual insurer.

C. The insurer shall be entitled to charge and collect initial

membership and/or policy fees, in addition to the premiums.