Okla. Stat. tit. 36, § 36-2412

certificates in lieu of examination; concealment or

misrepresentation.

A. Applicants for membership in mutual benefit associations

shall be required to pass a medical or physical examination, if

required by the bylaws of the association; or benefit certificates

may be issued upon the warranty by the applicant that the answers

and statements to the questions as to the condition of health of the

applicant and all statements and answers made or appearing in the

application for a benefit certificate are true and are to be used as

the basis and consideration upon which said benefit certificate is

issued, provided, that in addition to the answers and

representations of the applicant for membership, as herein provided,

the applicant shall give the name and address of his or her family

physician and shall if required by the association furnish to the

association a certificate of such physician, or if the applicant has

no family physician, a certificate of a licensed physician, that he

knows the applicant and believes that the applicant is a good,

insurable risk; provided, that if the family physician refuses to

sign a certificate stating whether applicant is a good insurable

risk, a certificate from some other licensed physician may be

secured; and, provided, further, that the fee for such certificate

shall not exceed fifty cents ($0.50).

B. Any beneficiary, his agent or representative, under any

policy or certificate issued by any association or company coming

within this article, or any doctor, undertaker or other attendant,

who shall knowingly conceal, withhold, or misrepresent any facts in

any verified report or declaration under oath concerning the health,

age, cause of death or other material information as to the deceased

member or policy holder because of whose death or accident claim is

being made, shall be guilty of perjury and shall be subject to the

penalties therefor prescribed by law.