Okla. Stat. tit. 36, § 36-6001.1: Conditions under which groups not considered

fictitious.

A group or combination of persons or risks shall not be

considered a fictitious group if the conditions provided in this

section are met:

1. The group shall have been in existence for at least two (2)

years prior to the purchase of the intended group plan of insurance

or conclusive proof submitted to the Insurance Commissioner that

such group was not organized primarily for the purpose of purchasing

insurance;

2. The group shall have a highly reasonable degree of

homogeneity;

3. Eligible members of the group shall be persons in good

standing in the group. In the case of employees, such employees

should be engaged in active employment of the employer of the group

for not less than thirty (30) hours each week, or shall be on a

pension with that respective employer or be the surviving spouse of

a deceased pensioner;

4. Group underwriting standards shall be applied consistently

throughout the group;

5. Coverage shall be available to all eligible members and the

individual members of their family, who are members of their

immediate household; but no prospective employee or employee already

employed shall be required to participate as a condition of

employment;

6. The experience of other similar groups within the state and

insured by the same carrier shall not be combined for the purpose of

determining rates;

7. Policies issued to members of such groups shall provide no

more restrictive insuring agreements and conditions than those of

policies available to the individual purchaser from the same

insurer, and such groups shall be provided with the option to select

a policy with such limits of coverage as are available to individual

purchasers from the same insurer;

8. Any insurer offering such a group plan shall also be

required to provide insurance on an individual basis to the general

public of the state and shall not be permitted to enter in this

state an insurance company solely for the purpose of mass marketing

or grouping of auto insurance policies for any group;

9. The insurer shall be required to offer to a member a

conversion to a standard plan of insurance offered by the same

insurer to the general public of the state in which the group

operates in the event of separation of the member from the group

through termination of employment for any reason;

10. Individual policies of insurance shall be issued to each

member of the group and the premiums shall be paid to the insurer

periodically by the group or member, with or without payroll

deductions; and

11. With regard to automobile insurance, unless the insurance

for the entire group is canceled concurrently, no policy of

insurance issued to a member shall be canceled except as otherwise

provided by law.