Okla. Stat. tit. 58, § 58-1005: Life or accident policies - Annuity contracts -

Distribution of proceeds.

Where the insured or the annuitant and the beneficiary in a

policy of life or accident insurance or in an annuity contract have

died and there is no sufficient evidence to establish that they have

died other than simultaneously, the proceeds of the policy or

contract shall be distributed as if the insured or annuitant had

survived the beneficiary, except if the policy or contract is

community property of the insured or annuitant and his spouse, and

there is no alternative beneficiary, or no alternative beneficiary

except the estate or personal representatives of the insured, the

proceeds shall be distributed as community property under Section 4.