Missouri Insurance License
The Missouri insurance license exam, in plain numbers.
Everything below is specific to Missouri — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Missouri
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 145 | 102 | 70% | 43 |
Administered by Pearson VUE for the Missouri Department of Commerce and Insurance. Time limit: approximately 3 hours. Roughly 45 of the scored questions (31%) come from Missouri law — the block national courses cover most lightly.
Prelicensing
No fixed state-mandated prelicensing-hour requirement is listed in current guidance. Structured preparation is strongly recommended.
Continuing education
16 hours every two years including 3 hours of ethics. Note that this is LOWER than the 24 hours most states require.
License term
2 years, renewing on the producer's birth date under RSMo 375.018
Regulator
The Missouri Department of Commerce and Insurance oversees licensing, headed by a Director appointed by the Governor, leading a department covering commerce as well as insurance.
Missouri Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Missouri policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Missouri, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Missouri insurance exam questions, answered
How many questions are on the Missouri insurance license exam?
The combined life and health exam has 145 scored questions. You need 102 correct to pass at 70%, which means you can miss 43.
What is the passing score for the Missouri insurance exam?
70%. That works out to 102 correct answers out of 145 scored questions.
Who administers the Missouri insurance license exam?
Pearson VUE, on behalf of the Missouri Department of Commerce and Insurance.
Does Missouri require prelicensing education?
No fixed state-mandated prelicensing-hour requirement is listed in current guidance. Structured preparation is strongly recommended.
How much continuing education does Missouri require?
16 hours every two years including 3 hours of ethics. Note that this is LOWER than the 24 hours most states require.
Is there a Missouri life-only or health-only exam?
No. Missouri tests life and health together as one combined exam, so there is no single-line edition.
How much does a Missouri study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Missouri Department of Commerce and Insurance.