Okla. Stat. tit. 36, § 36-4030.11: Calculation of certain benefits under contracts with

fixed scheduled considerations.

Any paid-up annuity, cash surrender or death benefits available

at any time, other than on the contract anniversary under any

contract with fixed scheduled considerations, shall be calculated

with allowance for the lapse of time and the payment of any

scheduled considerations beyond the beginning of the contract year

in which cessation of payment of considerations under the contract

occurs.