Missouri Insurance License Classes Online
Missouri Life and Health Pre-licensing
Missouri Life Pre-licensing
Missouri Health Pre-licensing
Missouri Property and Casualty Pre-licensing
Missouri Casualty Pre-licensing
Missouri Property Pre-licensing
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Missouri State Insurance Licensing Requirements
HOW TO OBTAIN A MISSOURI INSURANCE PRODUCER LICENSE
The state of Missouri has no formal pre-licensing education requirement however it is recommended as the prelicensing course is designed to prepare candidates for the State Licensing Examination.
Complete the prelicensing course.
- Life Only
- Accident & Health Only
- Life, Accident and Health
- Casualty
- Property
- Property and Casualty
- Personal lines
Course requirements:
- This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
- Assessments on key topics throughout the course and must be successfully passed with a minimum score of 70% before moving onto the next chapter.
Schedule the Missouri State examination.
- Registration must be completed online on Pearson Vue website: www.pearsonvue.com/mo/insurance
- Single Line exam fee: $29
- Combined Exam fee: $35
Online proctored exams:
- You must check the compatibility of your computer before registering for the exam. https://home.pearsonvue.com/mo/insurance/onvue
- If your computer is not compatible with the online software, you will need to schedule your examination at Pearson Vue test center.
Limitation on repeat examinations:
- There are no limitations on retaking the exam.
Pass your state exam
- Take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course during the waiting period.
- Prep Review Course: This part of the training features content “boiled down to the essence” of the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
- Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”.
- On the day of testing, you must present two (2) forms of identification bearing your signature, one of which must be a valid government issued photo id.
- Candidates who have changed their names must provide written documentation of the change. This documentation may be a copy of a marriage license, divorce decree, or other official document.
Apply for license
- Submit license application electronically through SIRCON Online Services
- Application fee – $100
- Processing fee – $20
- NIPR verifies exams prior to allowing submission of an application.
Exam Outlines
| DESCRIPTION | Question Count | % of Exam Questions | ||||
| Life | Health | L&H | Life | Health | L&H | |
| Life Insurance | ||||||
| Types of Policies and Features | 12 | 0 | 12 | 13% | 0% | 8% |
| Policy Riders, Provisions, Options, and Exclusions | 18 | 0 | 18 | 20% | 0% | 12% |
| Completing the Application, Underwriting, and Delivering the Policies | 12 | 0 | 12 | 13% | 0% | 8% |
| Taxes, Retirement, and Other Insurance Concepts | 8 | 0 | 8 | 9% | 0% | 6% |
| Health Insurance | ||||||
| Types of Policies | 0 | 14 | 14 | 0% | 16% | 10% |
| Policy Provisions, Clauses, and Riders | 0 | 20 | 20 | 0% | 22% | 14% |
| Social Insurance | 0 | 3 | 3 | 0% | 3% | 2% |
| Other Insurance Concepts | 0 | 4 | 4 | 0% | 4% | 3% |
| Field Underwriting Procedures | 0 | 9 | 9 | 0% | 10% | 6% |
| Missouri Statutes and Rules | ||||||
| Missouri Statutes, Rules and Regulations Common to All Lines | 20 | 20 | 15 | 22% | 22% | 10% |
| Missouri Statutes, Rules and Regulations Pertinent to Life Insurance | 20 | 0 | 15 | 22% | 0% | 10% |
| Missouri Statutes, Rules and Regulations Pertinent to Sickness and Accident Insurance | 0 | 20 | 15 | 0% | 22% | 10% |
| Total for all parts | ||||||
| Total Scored Questions on Exam | 90 | 90 | 145 | 1 | 1 | 1 |
| Maximum Time allowed to complete exam in minutes | 120 | 120 | 180 | 120 | 120 | 120 |
| Passing Score | 70 | 70 | 70 | 70 | 70 | 70 |
| DESCRIPTION | Question Count | % of Exam Questions | ||||
| Casualty | Property | P&C | Casualty | Property | P&C | |
| Casualty Insurance | ||||||
| Types of Policies, Bonds, and Related Terms | 25 | 0 | 25 | 28% | 0% | 18% |
| Insurance Terms and Related Concepts | 14 | 0 | 14 | 16% | 0% | 10% |
| Policy Provisions | 11 | 0 | 11 | 12% | 0% | 8% |
| Property Insurance | ||||||
| Types of Property Policies | 0 | 25 | 25 | 0% | 29% | 18% |
| Insurance Terms and Related Concepts | 0 | 14 | 14 | 0% | 16% | 10% |
| Policy Provisions and Contract Law | 0 | 11 | 11 | 0% | 13% | 8% |
| Missouri Statutes and Rules | ||||||
| Missouri Statutes, Rules, and Regulations Common to All Lines | 25 | 25 | 20 | 28% | 24% | 14% |
| Missouri Statutes, Rules and Regulations Pertinent to Casualty Insurance | 15 | 0 | 10 | 17% | 0% | 7% |
| Missouri Statutes, Rules and Regulations Pertinent to Property Insurance | 0 | 15 | 10 | 0% | 18% | 7% |
| Total for all parts | ||||||
| Total Scored Questions on Exam | 90 | 90 | 140 | 1 | 1 | 1 |
| Maximum Time allowed to complete exam in minutes | 120 | 120 | 180 | 120 | 120 | 120 |
| Passing Score | 70 | 70 | 70 | 70 | 70 | 70 |
Producer Licensing Checklist:
| Task: | Date Completed |
| 1. Complete prelicensing course | |
| 2. Register for exam | |
| 3. Pass exam | |
| 4. Apply for License |
Governing Agency
Name: Missouri Department of Commerce and Insurance
Phone: 573-751-3518
Fax: 573-526-3416
Website: https://insurance.mo.gov/
Address: Truman State Office Bldg. 301 West High St., Room 530 Jefferson City, MO 65101
Working as an Insurance Agent
Property and Casualty Insurance Agents
What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.
For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.
Life Insurance Agents
What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.
Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.
Why Students Choose XCEL
XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.
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