Missouri insurancelicense requirements
Missouri insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- Pearson VUE
- Passing score
- 70 (scaled score)
- Exam fee
- $32 single, $40 combined
- License fee
- $100
- Fingerprints
- Not required
- Continuing education
- 16 hours every 2 years
How to become an insurance agent in Missouri
Below, you'll find the steps to a Missouri insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Missouri insurance producers
Contact the Missouri insurance department
How much do insurance agents make in Missouri?
Missouri average insurance agent salary (all lines): $72,410
That is the mean annual wage for insurance sales agents in Missouri in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $83,452
- Health insurance agent: $51,731
- Property and casualty insurance agent: $44,807
Please note that salaries will vary based on experience level and local demand.
Does Missouri require prelicensing education?
No, Missouri does not require any insurance pre-licensing education. We highly recommend taking a course on your own to prepare for the state's licensing exam.
How do I get my insurance license in Missouri?
Becoming an insurance producer in Missouri requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1 (optional): Consider completing a prelicensing course to help prepare for your licensing exam.
- Step 2: Schedule your exam with Pearson VUE. You can book online at www.pearsonvue.com or call (866) 274-4740. Exams are taken at Pearson VUE test centers. Payment for the exam is required at the time of scheduling; the fee is $32 ($40 for the combined Life and Health or Property and Casualty exams). To avoid losing your fee, cancel or reschedule at least 48 hours before your appointment.
- Step 3: On exam day, bring two valid government-issued IDs, one with a photo and the other with a signature. Failure to meet these requirements will prevent you from taking the exam.
- Step 4: After waiting 24 to 48 hours for your results to load, submit the NAIC Uniform Application for Individual Insurance Producer License via NIPR at https://nipr.com/. The license fee is $100. A score report indicating “pass” or “fail” will be provided after the exam, with instructions for applying for your license if you pass.
If you need assistance with any of these steps or have questions about specific requirements, contact the Missouri insurance department for the most current information.
Missouri insurance exam information
Missouri Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions (90 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 53.1% (1,312 of 2,469 first-time test takers, 2025) |
Missouri Accident & Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions (90 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 59.6% (437 of 733 first-time test takers, 2025) |
Missouri Life and Accident & Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 160 Total Questions (145 scored, 15 pretest) |
| Time limit | 3 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 60.2% (2,659 of 4,414 first-time test takers, 2025) |
Missouri Property Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions (90 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 35.0% (14 of 40 first-time test takers, 2025) |
Missouri Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions (90 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 53.8% (14 of 26 first-time test takers, 2025) |
Missouri Property and Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 155 Total Questions (140 scored, 15 pretest) |
| Time limit | 3 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 61.7% (1,250 of 2,025 first-time test takers, 2025) |
Missouri Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 125 Total Questions (115 scored, 10 pretest) |
| Time limit | 2.5 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 66.1% (127 of 192 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Missouri insurance licensing fees
- Initial license fees: Resident Insurance Producer $100; Resident Surplus Lines $100; Nonresident Insurance Producer $100; Nonresident Surplus Lines $100
- Renewal fees: Resident Insurance Producer $100; Resident Surplus Lines $100; Nonresident Insurance Producer $100; Nonresident Surplus Lines $100
- Resident and Nonresident license renewal date: Birth date every 2 years
- Late renewal/reinstatement: Up to 1 year
Where can I apply for a resident insurance license in Missouri?
Apply through NIPR
How can I apply for a non-resident insurance license in Missouri?
- 1. Must be at least 18 years old.
- 2. Reciprocity generally applies. Home state license must be active and in good standing.
- 3. Business or residence addresses must not a P.O. Box.
- 4. Variable requires Life authority.
- 5. Apply via NIPR and pay $100 plus NIPR processing fees.
Missouri carrier appointments and insurance license terminations
- Required to report appointments: No, Registry
- Appointment exemptions/notes: Appointments not required; state maintains internal registry of authorized licensees
- Initial appointment deadline rule: Add licensees to internal registry within 30 days of effective date
- Can be processed via NIPR: No
- Fees for appointing nonresident agency/individual: $0
- State requires appointment renewal: No
Missouri insurance license termination details
- Termination reasons: Cancelled; cancelled for cause (Registry State)
- Allows carriers to terminate if license expired: No
Missouri insurance license renewals
Resident and Nonresident renewal period begins 90 days before expiration ; Agency renewal: By license issuance date, biennially ; Public Adjuster: Annual renewal
Missouri insurance license continuing education (CE) requirements
- CE total hours: 16 per 2-year period
- CE due before renewal: Yes
- License renewal date: Birth date
- Ethics: 3 hours
- Flood (NFIP): 3 hours
- LTC: 8-hour initial + 4 hours every 2 years
- Annuity: one-time 4-hour course
- Major lines: Life/Health or Property/Casualty must take CE specific to major LOAs
- Bail/Title agents CE: 8 hours specific credit
- CE instructors get credit: Yes
- Rollover credits allowed: Yes
Missouri insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Missouri requires no prelicensing course, so you can book your exam as soon as you are ready.
No. Missouri insurance exams are taken in person at Pearson VUE test centers.
Expect to pay $32 single, $40 combined for the exam and $100 for the license. Any exam prep is extra.
No. Missouri does not require a prelicensing course, though a course helps you prepare for the exam.
The passing score is 70 (scaled score). In 2025, 60.2% of first-time test takers passed the Missouri life and health exam, according to the NAIC.
No. Missouri does not require fingerprints for a resident producer license.
Apply through NIPR after you pass your exam.
Missouri requires 16 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing, exam provider and license fee: insurance.mo.gov
- Exam fee, passing score and where to apply: pearsonvue.com
- Fingerprints: nipr.com
- Continuing education: insurance.mo.gov
- Online exams: pearsonvue.com
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Missouri and exam provider sources as of . Licensing rules and fees change, so confirm them with the Missouri insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Missouri, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
