Id. (footnotes omitted). See also Russell v. Prudential Property & Casualty Insurance Company, 866 P.2d 456 (Okla. Civ. App. 1993)("Nothing in [ยง 3622(A)] precludes an insurer from making a binder subject to a condition subsequent such as a requirement to complete an application and pay a premium. In fact, such a requirement is both prudent and reasonable.").