Okla. Stat. tit. 36, § 36-3628: Simultaneous deaths

Where the individual insured or the annuitant and the

beneficiary designated in a life insurance policy or policy insuring

against accidental death or in an annuity contract have died and

there is not sufficient evidence that they have died otherwise than

simultaneously, the proceeds of the policy or contract shall be

distributed as if the insured or annuitant had survived the

beneficiary, unless otherwise specifically provided in the policy or

contract.