{"data":{"id":"us-ok/okla.-stat.-tit.-36-36-404","jurisdiction":"us-ok","citation":"Okla. Stat. tit. 36, § 36-404","heading":"Business of insurance","body":"Any one of the following acts in this state affected by mail or\n\notherwise is defined to be doing the business of insurance in this\n\nstate:\n\n1. The making of or proposing to make, as an insurer, an\n\ninsurance contract;\n\n2. The making of or proposing to make, as guarantor or surety,\n\nany contract of guaranty or suretyship as a vocation and not merely\n\nincidental to any other legitimate business or activity of the\n\nguarantor or surety;\n\n3. The taking or receiving of any application for insurance;\n\n4. Maintaining any agency or office where any acts in\n\nfurtherance of an insurance business are transacted, including but\n\nnot limited to:\n\na. the execution of contracts of insurance with citizens\n\nof this or any other state,\n\nb. maintaining files or records of contracts of\n\ninsurance,\n\nc. the processing of claims, and\n\nd. the receiving or collection of any premiums,\n\ncommissions, membership fees, assessments, dues or\n\nother consideration for any insurance or any part\n\nthereof;\n\n5. The issuance or delivery of contracts of insurance to\n\nresidents of this state or to persons authorized to do business in\n\nthis state;\n\n6. Directly or indirectly acting as an agent for, or otherwise\n\nrepresenting or aiding on behalf of another, any person or insurer\n\nin:\n\na. the solicitation, negotiation, procurement or\n\neffectuation of insurance or renewals thereof,\n\nb. the dissemination of information as to coverage or\n\nrates, or forwarding of applications, or delivery of\n\npolicies or contracts,\n\nc. inspection of risks,\n\nd. fixing of rates or investigation or adjustment of\n\nclaims or losses,\n\ne. the transaction of matters subsequent to effectuation\n\nof the contract and arising out of it, or\n\nf. in any other manner representing or assisting a person\n\nor insurer in the transaction of insurance with\n\nrespect to subjects of insurance resident, located or\n\nto be performed in this state.\n\nProvided, the provisions of this paragraph shall not operate to\n\nprohibit full-time salaried employees of a corporate insured from\n\nacting in the capacity of an insurance manager or buyer in placing\n\ninsurance on behalf of such employer;\n\n7. Contracting to provide indemnification or expense\n\nreimbursement in this state to persons domiciled in this state or\n\nfor risks located in this state, whether as an insurer, agent,\n\nadministrator, trust, funding mechanism, or by any other method, for\n\nany type of medical expenses including, but not limited to,\n\nsurgical, chiropractic, physical therapy, speech pathology,\n\naudiology, professional mental health, dental, hospital, or\n\noptometric expenses, whether this coverage is by direct payment,\n\nreimbursement, or otherwise;\n\n8. The doing of any kind of insurance business specifically\n\nrecognized as constituting the doing of an insurance business within\n\nthe meaning of the statutes relating to insurance;\n\n9. Ownership in whole or in part, directly or indirectly, of\n\nany entity involved in the business of insurance;\n\n10. Acquiring or assisting others in the acquisition or\n\nattempted acquisition of any entity involved in the business of\n\ninsurance;\n\n11. Possessing a license, registration or permit issued or\n\napproved by the Insurance Commissioner;\n\n12. Any other transactions of business in this state by an\n\ninsurance company, producer, title insurance producer, adjuster,\n\nthird-party administrator, service warranty association, title\n\ninsurer or any other person that is licensed by or registered with\n\nthe Insurance Commissioner; or\n\n13. The doing of or proposing to do any insurance business in\n\nsubstance equivalent to any of the foregoing in a manner designed to\n\nevade the provisions of the statutes.","path":["OK Code","Title 36"],"source_url":"https://www.oklegislature.gov/OK_Statutes/CompleteTitles/os36.pdf","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:36Z","sha256":"60083d8da597bd676d4594281fccdf3cfe93c9cbd6326371f2c1aed68ee61e2d","source_id":"us-ok","stale":false,"prev":"us-ok/okla.-stat.-tit.-36-36-4038","next":"us-ok/okla.-stat.-tit.-36-36-405"},"notice":"GroundRules: Original legal text. Not legal advice."}