Okla. Stat. tit. 36, § 36-4210: Reinstatement

There shall be a provision that unless the policy has been

surrendered for its cash surrender value or unless the paid-up term

insurance, if any, has expired, the policy will be reinstated at any

time within two (2) years from the date of premium default upon

written application therefor, the production of evidence of

insurability satisfactory to the insurer, the payment of all

premiums in arrears, and the payment or reinstatement of any other

indebtedness to the insurer upon the policy, all with interest at a

rate not exceeding six percent (6%) per annum compounded annually.