Missouri
Missouri Insurance Prelicensing Requirements
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How to Obtain a Missouri Insurance License
The Missouri Department of Insurance (DOI) requires all individuals selling insurance to obtain a valid insurance producer license. This guide outlines the step-by-step process for obtaining your Missouri insurance license.
Step 1: Complete a Prelicensing Course
Before taking the state licensing exam, you must complete a prelicensing education course approved by the Missouri Department of Insurance. A.D. Banker offers courses to help you pass the exam on your first attempt.
Step 2: Schedule and Pass the Licensing Exam
Once you complete your prelicensing education, you must pass the Missouri state insurance licensing exam.
Exam Details:
- Register through Pearson VUE at www.pearsonvue.com or call (866) 274-4740.
- Exams are multiple-choice and require a 70% or higher to pass.
- A valid government-issued photo ID is required for testing.
- Exams may be taken in-person at a Pearson VUE testing center or remotely through OnVUE.
- If you fail, you must wait 24 hours before rescheduling.
Exam Duration & Question Format:
| Exam Type | Time Limit | Number of Questions |
| Life Insurance Producer | 2 hours | 100 |
| Accident & Health Insurance Producer | 2 hours | 100 |
| Life, Accident, and Health Producer | 3 hours | 100 |
| Property Insurance Producer | 2 hours | 100 |
| Casualty Insurance Producer | 2 hours | 100 |
| Property & Casualty Insurance Producer | 3 hours | 100 |
| Personal Lines Insurance Producer | 2.5 hours | 125 |
| Public Adjuster | 1 hour | 50 |
Step 3: Apply for Your Insurance License
After passing the exam, you must submit an application and pay the fee through NIPR (www.nipr.com).
Step 4: Maintain Your License with Continuing Education (CE)
To keep your Missouri insurance license active, you must complete continuing education (CE) every two years.
CE Requirements:
- 16 hours of CE, including 3 hours of ethics training.
- Navigators must complete 12 hours of CE.
- Title producers must complete 8 hours of CE.
- Additional CE may be required for long-term care (LTC) and annuities.
- Nonresident producers must meet their home state’s CE requirements.
- If CE requirements are not met, your license will lapse.
Visit the Missouri Department of Insurance website for up-to-date CE guidelines.
Frequently Asked Questions (FAQs)
Where can I find more licensing information?
- Visit the Missouri DOI website.
Where will I take the state exam?
- Exams are available remotely through OnVUE or in-person at a Pearson VUE testing site.
How do I schedule my exam?
- Schedule online at www.pearsonvue.com or call (866) 274-4740.
- Exam fees must be paid at the time of reservation.
What is the format of the state exam?
- Computer-based, multiple-choice format.
- Covers general insurance product knowledge and Missouri-specific insurance laws.
- Practice exams are highly recommended.
What score do I need to pass?
- A minimum passing score of 70% is required.
- Results are provided immediately after completion.
What happens if I fail my exam?
- You will receive a diagnostic report.
- You may reschedule the next day.
Contact Information
Missouri Department of Insurance:
- Website: www.insurance.mo.gov
National Insurance Producer Registry (NIPR):
- Website: www.nipr.com
Pearson VUE Exams:
- Website: www.pearsonvue.com
- Phone: (866) 274-4740
Start Your Insurance Prelicensing Training
Take the first step toward your Missouri insurance career today. Enroll in an approved prelicensing course to begin your journey!
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Disclaimer
The information provided here is based on current Missouri regulations but may be subject to updates. We strive for accuracy but recommend verifying details with the Missouri Department of Insurance for the latest licensing requirements.