Okla. Stat. tit. 36, § 36-3612

A. Insurance contracts shall contain such standard provisions

as are required by the applicable provisions of this Code pertaining

to contracts of particular kinds of insurance. The Insurance

Commissioner may waive the required use of a particular standard

provision in a particular insurance policy form if:

1. The Commissioner finds such provision unnecessary for the

protection of the insured and inconsistent with the purpose of the

policy; and

2. The policy is otherwise approved.

B. No policy shall contain any provision inconsistent with or

contradictory to any standard provision used or required to be used,

but the Insurance Commissioner may approve any substitute provision

which is not less favorable in any particular to the insured or

beneficiary than the standard provisions or optional standard

provisions otherwise required.

C. In lieu of the standard provisions required by the

provisions of this Code for contracts for particular kinds of

insurance, substantially similar standard provisions required by the

law of the domicile of a foreign or alien insurer may be used when

approved by the Insurance Commissioner.

D. This section does not apply with respect to the Oklahoma

standard fire insurance policy.