Missouri Insurance Exam Guides
Pick the license you're studying for. Each guide covers Missouri-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Missouri exam's state-law material, mapped.
Free study resource
What's actually tested on the Missouri exam — the state regulations, mapped
Every Missouri insurance exam reserves a block of questions for Missouri-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 105 facts from the TESTivity Missouri regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 11 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years (fixed at 2 years for group life; individual life follows the same standard)
- Grace period for individual life tested31 days (group life); individual life follows the same customary grace period
- Window to reinstate a lapsed policy tested3 years is the customary reinstatement window on evidence of insurability and payment of overdue premiums; Missouri does not fix a distinct ordinary-life reinstatement statute
- Suicide exclusion period testedONE YEAR from issue — a life policy may exclude death by suicide (sane or insane) within one year of issue, and if it does, the insurer must PROMPTLY REFUND all premiums paid for the excluded coverage. A new one-year period runs only on an increase in death benefits.
- Free look for annuities tested15 days for an annuity when a Buyer's Guide was not provided at application (20 days on a replacement)
- Free look when a policy is being replaced tested20 days when a life policy or annuity is being replaced
- Free look for long-term care tested30 days for long-term care, from policy delivery
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, and extended term insurance (the customary default), under Missouri's Standard Nonforfeiture Law
- Registrations required to sell variable products testedVariable life and variable annuities require the Life line plus Missouri's Variable line and active FINRA registration (a Series 6 or 7 through a broker-dealer) — they are securities
- Does the state regulate viatical/life settlements? testedYes — DCI licenses viatical and life settlement providers and brokers, and reviews their contract forms
- Has the state adopted the NAIC best interest standard? testedYES — Missouri adopted the NAIC 2020 best interest standard (20 CSR 400-5.900), effective August 30, 2024, with a producer duty of care and a 4-credit annuity training
Health 14 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES — Missouri voters approved Medicaid expansion (Amendment 2, August 2020); coverage for adults up to 138% of the federal poverty level began July 1, 2021
- Effective date of expansion, if expanded testedJuly 1, 2021 (approved by Amendment 2 in August 2020)
- Agency administering Medicaid testedMO HealthNet, within the Missouri Department of Social Services
- Federal marketplace or state-based exchange testedA FEDERALLY-FACILITATED marketplace (HealthCare.gov) — Missouri does not run a state exchange
- Name of the state CHIP program testedMO HealthNet for Kids (Missouri's CHIP program, with managed care branded Show-Me Healthy Kids)
- Clean-claim payment deadline, electronic testedThe insurer must acknowledge an electronic claim within 48 hours and process it on a defined timeline; a clean claim unpaid by the 45th processing day accrues interest and a penalty
- Does the state distinguish electronic vs paper claims? testedMissouri's prompt-pay framework is electronic-centric (no separate paper deadline is set)
- Interest / penalty on late claim payment testedA clean claim not paid by the 45th processing day accrues 1% per month interest plus a 1% per day penalty
- Is the IRO's external review decision binding on the plan? testedYES — the independent review organization's decision BINDS both the insurer AND the enrollee, subject only to narrow judicial review within 30 days
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Missouri continuation extends COBRA-equivalent rights to those not covered by federal COBRA
- Employer size range covered by state continuation testedMissouri continuation (RSMo 376.428) mirrors federal COBRA terms by reference and extends them to employees not covered by federal COBRA, rather than setting distinct state size/duration figures
- Duration of state continuation coverage testedThe federal COBRA durations apply (18 months for termination or reduced hours; up to 36 for other qualifying events), adopted by reference
- Election period for state continuation testedMissouri also gives a group-to-individual CONVERSION right — apply and pay within 31 days of termination (RSMo 376.397); the continuation election tracks federal COBRA's 60 days
- Max premium as % of group rate testedUp to 102% of the group cost (the federal COBRA figure, adopted by reference)
Auto 11 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedTORT (at-fault) — Missouri is NOT a no-fault state; there is no mandatory PIP. The at-fault driver's liability coverage pays the other party's damages, and uninsured-motorist coverage is required.
- Minimum bodily injury liability per person tested$25,000
- Minimum bodily injury liability per occurrence tested$50,000
- Minimum property damage liability tested$25,000 (raised from $10,000 by SB 708, effective for policies issued on or after July 1, 2019)
- The memorizable shorthand (e.g. 30/60/25) tested25/50/25, plus mandatory uninsured-motorist coverage at 25/50
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMANDATORY — uninsured-motorist BODILY INJURY coverage is compulsory at a minimum of $25,000/$50,000
- Underinsured motorist status testedOptional — underinsured-motorist coverage is not required in Missouri
- Personal injury protection status testedNot required — Missouri is a tort state with no mandatory PIP (medical payments coverage is optional)
- Contributory / pure comparative / modified comparative negligence testedPURE COMPARATIVE NEGLIGENCE — a claimant's recovery is reduced by their percentage of fault but is NEVER fully barred, even at 99% fault. The general rule comes from case law (Gustafson v. Benda, 1983); the products-liability statute (RSMo 537.765) codifies 'pure comparative fault.'
- Assigned risk / residual market plan for auto testedThe Missouri Automobile Insurance Plan (MAIP), the assigned-risk plan for drivers who cannot obtain coverage voluntarily
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedMissouri's Motor Vehicle Financial Responsibility Law (RSMo ch. 303) allows compliance by a liability policy, an approved proof-of-financial-responsibility filing, or a certificate of self-insurance
CE & Renewal 10 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal tested2 years, renewing on the producer's birth date (moved to a birthday-based cycle in 2021)
- What the renewal date keys off (flat term / birthday / birth year) testedBirthday-based — the license renews biennially on the producer's birth date
- CE hours per renewal period, standard case tested16 CE hours every 2 years, including at least 3 hours of ethics (Title producers need 8)
- CE hours if holding multiple license types (if different) tested16 total each period — holding multiple lines does not multiply the requirement (the hours need not be divided equally among lines)
- Ethics hours required per period testedAt least 3 of the 16 hours must be insurance ethics
- Limits on who may provide CE credits testedCourses and providers must be approved by DCI; excess hours may carry forward one renewal period
- Initial long-term care training requirement tested8 hours of initial long-term care training before selling Partnership LTC, plus at least 4 hours of LTC continuing education each renewal period
- What happens if CE is not completed (fine / expiry / cancellation) testedA license not renewed with the required CE incurs a $25-per-month late fee (up to one year); reinstate within 12 months without re-examination once CE and fees are paid, otherwise re-qualify by examination
- Late renewal / reinstatement tiers testedWithin 12 months of the due date: reinstate the same license without re-examination once CE is met and penalties ($25/month) are paid. After 12 months: re-qualify by examination.
- Any CE exemption (e.g. long-service agents) testedA discretionary waiver may be granted for illness, extended military duty, residence abroad, or age 70+; small burial/funeral life producers are exempt; nonresidents satisfy CE through their home-state license
Property 7 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedCOMPETITIVE (file-and-use) — insurers file rates (within 10 days after use) with no prior approval; commercial P&C rates are informational-filing only. The Director retains authority over excessive, inadequate, or unfairly discriminatory rates.
- Is insurance credit scoring permitted in personal lines? testedPERMITTED but RESTRICTED — an insurer may not take adverse action based on credit alone (a non-credit factor must be considered), must give an adverse-action notice, and may not take credit-based adverse action at renewal until the third policy anniversary
- Does the state have a FAIR Plan? testedYES — the Missouri Property Insurance Placement Facility (the Missouri FAIR Plan), a shared residual pool for basic property insurance
- Name of the FAIR Plan, if any testedThe Missouri Property Insurance Placement Facility — the Missouri FAIR Plan
- Dominant catastrophe perils in the state testedTornadoes, large hail, and severe convective storms, plus a signature tail risk — earthquakes in the New Madrid Seismic Zone of southeast Missouri (excluded from standard homeowners policies, so a separate endorsement is needed)
- What license you must already hold to write surplus lines testedA surplus lines license, which requires holding the underlying Property & Casualty producer license
- Is a diligent-effort search of the admitted market required first? testedYes — a diligent-effort search of the admitted market is required first (waived for an exempt commercial purchaser who requests it in writing); no fixed number of declinations is codified
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedThe Missouri Life and Health Insurance Guaranty Association (MOLHIGA)
- Life death benefit limit tested$300,000
- Life cash surrender / withdrawal value limit tested$100,000 net cash surrender value
- Annuity benefit limit tested$250,000 present value of annuity benefits
- Health benefit limit tested$500,000 for major medical; $300,000 for long-term care and long-term disability; other health benefits at lower category caps
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual life (except up to $500,000 for major medical) — Missouri applies per-category caps under RSMo 376.715-376.758
- Does the state follow the standard NAIC model limits? testedYes — standard NAIC model limits ($300,000 death benefit, $100,000 cash value, $250,000 annuity)
- Name of the P&C guaranty association testedThe Missouri Property and Casualty Insurance Guaranty Association (MOPCIGA)
- Per-claim cap testedUp to $300,000 per claim (never more than the insolvent insurer's policy obligation); workers' compensation claims are UNLIMITED; punitive damages are excluded, and there is a net-worth exclusion for insureds over $25 million
- Is using the guaranty association as a sales inducement prohibited? testedYes — it is an unfair trade practice to use guaranty-association protection as a reason for buying insurance
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — mandatory for employers with 5 or more employees (1 or more in the construction industry)
- Employee count at which coverage is required testedRequired at 5 or more employees, but at just 1 or more employee in the construction industry
- Agency administering workers' compensation testedThe Missouri Division of Workers' Compensation, within the Department of Labor and Industrial Relations
- Temporary total disability wage replacement rate testedTemporary total disability: 66 2/3% of the average weekly wage, capped at 105% of the state average weekly wage
- Maximum TTD duration testedUp to 400 weeks of temporary total disability
- Deadline to file a claim testedFile within 2 years of the injury, death, or last payment (3 years if the employer did not file the required report of injury)
- Ways an employer may comply (insure / self-insure / group) testedBuy a policy from a DCI-authorized carrier, or qualify as an approved self-insurer (with security of at least $200,000)
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Missouri Department of Commerce and Insurance (DCI)
- Title of the person who heads it testedDirector of the Department of Commerce and Insurance
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedAPPOINTED by the Governor with the advice and consent of the Senate, serving at the Governor's pleasure — not elected
- Where the state's insurance law is codified testedThe insurance chapters of the Revised Statutes of Missouri (RSMo Title XXIV, chapters 374-385), with producer licensing in Chapter 375 and rules in Title 20 CSR
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedYes — DCI is an umbrella department housing Insurance, Finance, Credit Unions, and Professional Registration, and the Public Service Commission and Office of Public Counsel are attached to it. It was reorganized and renamed from DIFP in 2019.
Cancellation 7 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60 days — during the first 60 days a new auto or property policy may be canceled for any lawful reason; after 60 days (or on renewal) the statutory restrictions attach
- Notice days to cancel a personal auto policy inside the initial window testedAt least 30 days' written notice to cancel or nonrenew a personal auto policy, stating the specific reason
- Notice days for cancellation for nonpayment testedAt least 10 days' notice for cancellation for nonpayment of premium (auto)
- Notice days for cancellation for other permitted causes testedAt least 30 days for cancellation on a permitted ground; after the 60-day window an auto policy may be canceled only for nonpayment or the named insured's license suspension/revocation
- Notice days required for nonrenewal testedAt least 30 days before expiration for nonrenewal of a personal auto policy (a renewal or coverage reduction requires at least 15 days' notice)
- Must the reason be stated proactively, on request, or not at all? testedYes — an auto cancellation or nonrenewal notice must state the actual reason clearly enough to identify it without further inquiry (vague terms are insufficient)
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedAn auto policy may not be canceled or refused solely because of age, residence, race, sex, creed, or occupation, or solely because another insurer previously declined or canceled coverage (for a driver with 2+ years of experience)
Licensing 23 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a standalone Life exam and line of authority (Life includes annuities)
- Is there a standalone health license/exam? testedYes — a standalone Accident & Health or Sickness exam and line of authority
- Is there a combined life+health license/exam? testedYes — Missouri offers a combined Life, Accident & Health exam, in addition to the individual Life and Accident & Health exams
- Is there a personal lines license/exam? testedYes — a Personal Lines line (its own exam), covering noncommercial property and casualty risks
- Is P&C one combined license, or split into Property and Casualty? testedBoth — Missouri offers Property and Casualty as individual exams AND as a combined Property & Casualty exam, plus a narrower Personal Lines line.
- Does the life license cover annuities? testedYes — FIXED annuities are sold under the Life line (which also may include AD&D and disability income). VARIABLE life and variable annuities require the separate Variable line plus FINRA registration.
- Does the P&C license already include personal lines authority? testedYes — a full Property & Casualty authority covers personal-lines risks; the Personal Lines line is a narrower noncommercial subset
- Full list of exam-based agent license types testedOne Missouri producer license listing any of: Life · Accident and Health or Sickness · Property · Casualty · Personal Lines · Variable Life and Variable Annuity · Credit — plus specialty lines (Crop, Surplus Lines, Title, Bail Bonds, Navigator)
- Exam administrator (Prometric / PSI / Pearson VUE) testedPearson VUE administers Missouri producer exams under contract with DCI
- Exam fee tested$32 for a single-line exam (Life, Accident & Health, Property, Casualty); $40 for a combined Life, Accident & Health or Property & Casualty exam
- License application fee tested$100 for a resident producer license (biennial)
- Passing score tested70 (a scaled score, not a raw percentage)
- Minimum age to be licensed tested18 (bail bond and surety recovery agents must be 21)
- Is pre-licensing education required? testedNO — Missouri does NOT require pre-licensing education for producers. Only the written exam is required; candidates study the content outlines and sit the exam directly.
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — no pre-licensing course is required. Candidates study the Pearson VUE content outlines and sit the exam directly.
- Fingerprints, state police report, or none testedBackground review through the Uniform Application's disclosure questions and NAIC records. Missouri does NOT require fingerprinting for a standard producer license (fingerprints apply only to bail bond and surety recovery agents).
- Deadline to apply after passing the exam testedYou must apply for the license within 12 months of passing the exam
- How long a passed exam remains valid testedA passed exam remains valid to support a license application for 12 months
- Waiting period before retaking a failed exam testedYou may retake as soon as the next calendar day (re-register and pay again); no stated cap on attempts
- Notice required to reschedule/cancel without forfeiting the fee testedYou must reschedule or cancel at least 48 hours before the exam to avoid forfeiting the fee
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com); a paper application to DCI is also accepted
- Are temporary licenses available? testedYes — a temporary license (up to 90 days, no exam) is available in limited continuity situations: the death, disability, or military service of a licensed producer, issued to a surviving spouse, business-entity member, or designee
- Temporary license duration and training requirement testedUp to 90 days, no exam, only to continue an existing business (death, disability, or military service of the producer)