Oklahoma Code § 58-1005

Title 58. Probate Procedure: Life or accident policies - Annuity contracts -
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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.

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