Okla. Stat. tit. 36, § 36-4030.12: Minimum nonforfeiture requirements for contracts

providing both annuity and life insurance benefits.

For a contract which provides, within the same contract by rider

or supplemental contract provision, both annuity benefits and life

insurance benefits that are in excess of the greater of cash

surrender benefits or a return of the gross considerations with

interest, the minimum nonforfeiture benefits shall be equal to the

sum of the minimum nonforfeiture benefits for the annuity portion

and the minimum nonforfeiture benefits, if any, for the life

insurance portion computed as if each portion were a separate

contract. Notwithstanding the provisions of Sections 4030.6,

4030.7, 4030.8, 4030.9, and 4030.11 of this title, additional

benefits payable in the event of total and permanent disability, as

reversionary annuity or deferred reversionary annuity benefits, or

as other policy benefits additional to life insurance, endowment and

annuity benefits, and considerations for all such additional

benefits, shall be disregarded in ascertaining the minimum

nonforfeiture amounts, paid-up annuity, cash surrender and death

benefits that may be required by the Standard Nonforfeiture Law for

Individual Deferred Annuities. The inclusion of such benefits shall

not be required in any paid-up benefits, unless the additional

benefits separately would require minimum nonforfeiture amounts,

paid-up annuity, cash surrender and death benefits.