Missouri Life & Health Insurance Exam 2026

Welcome to your FREE Missouri Life & Health Insurance exam preparation guide. This comprehensive study resource covers Missouri-specific insurance laws, regulations, and requirements you need to pass your state licensing exam.

Note: This guide covers Missouri state-specific content. You should also study national Life & Health insurance concepts, as each exam tests both general knowledge and state law.

Why Get Licensed in Missouri?

Missouri offers excellent opportunities for insurance professionals:

• No Pre-License Education: Direct path to taking the licensing exam
• Central Location: Gateway to Midwest markets - Kansas City and St. Louis metros
• Diverse Economy: Healthcare, agriculture, manufacturing, and financial services
• Growing Population: Steady growth in suburban areas
• Corporate Headquarters: Multiple Fortune 500 companies need group coverage
• Agricultural Heritage: Farm families need specialized insurance products
• Business-Friendly: Lower regulatory burden than many states

What This Guide Covers

This FREE study guide includes:

• Missouri Insurance Law & Regulations - DCI structure, Missouri Insurance Code
• Life Insurance - Missouri-specific provisions, policy requirements, beneficiary rules
• Health Insurance - State mandates, consumer protections, continuation rights
• Licensing Requirements - Application process, exam structure, CE requirements
• Practice Questions - Quiz questions with detailed explanations in each chapter

Exam Format & Requirements

Pre-License Education

Missouri does NOT require pre-licensing education for Life & Health insurance. However, completing an exam prep course is recommended as the exam is comprehensive.

Exam Tip: While Missouri doesn't mandate pre-licensing education, most successful candidates invest in a prep course. Consider this investment to strengthen your chances of passing on the first attempt.

Exam Structure

Important: Two-Section Format

Each Missouri insurance exam consists of two parts:

1. National Insurance Section - General insurance knowledge
2. State Rules Section - Missouri-specific laws and regulations

You must score 70% on EACH section separately - the two scores are NOT averaged together.

Important: No Remote Testing

Missouri exams must be taken in person at a Pearson VUE testing site. Remote state exams are no longer offered.

Exam Costs (2026)

• State Exam Fee: Approximately $50-$75 per exam
• Pre-License Education (Optional): $150-$400 (varies by provider)
• License Application Fee: Via NIPR
• Total Initial Cost: Approximately $100-$250

Application Process

Steps to Get Licensed

1. Study and Prepare: Complete recommended exam prep course (not required but recommended)
2. Schedule Exam: Book with Pearson VUE online or by phone at (866) 247-4740
3. Pass Exam: Score 70% or higher on BOTH national and state sections
4. Wait for Processing: 24-48 hours for results to be processed
5. Submit Application: Apply through NIPR at www.nipr.com
6. Receive License: Missouri Department of Commerce and Insurance issues license

Post-Exam Application

After passing your exam:

• Wait 24-48 hours before applying to allow time for results to be processed
• Apply through NIPR (National Insurance Producer Registry)

Exam Content Areas

National Content (Life Insurance)

1. General Insurance Concepts (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest and indemnity
   • Insurance company operations

2. Life Insurance Products (30-35%)

   • Term life insurance types
   • Whole life and permanent insurance
   • Universal and variable life
   • Annuities and retirement products

3. Life Insurance Policy Provisions (25-30%)

   • Standard policy provisions
   • Optional provisions and riders
   • Beneficiary designations
   • Settlement options

4. Life Insurance Underwriting & Taxation (15-20%)

   • Underwriting basics
   • Tax treatment of life insurance
   • Business uses of life insurance
   • Estate planning concepts

National Content (Accident & Health)

1. General Insurance Concepts (15-20%)

   • Risk and insurance fundamentals
   • Policy structure and provisions
   • Insurable interest principles

2. Health Insurance Products (30-35%)

   • Medical expense insurance
   • Disability income insurance
   • Long-term care insurance
   • Medicare and Medicaid

3. Health Insurance Policy Provisions (25-30%)

   • Mandatory and optional provisions
   • Policy riders and endorsements
   • Renewal provisions
   • Claims procedures

4. Group Health Insurance (15-20%)

   • Group plan characteristics
   • COBRA and continuation rights
   • ERISA requirements
   • ACA compliance

Missouri State Content

The Missouri-specific portion covers:

1. Missouri Department of Commerce and Insurance (DCI)

   • Department structure and authority
   • Director of Insurance powers
   • Missouri Insurance Code
   • Regulatory oversight and enforcement

2. Missouri Producer Licensing

   • Licensing requirements and process
   • Lines of authority
   • Continuing education requirements
   • License renewal procedures (every 2 years)

3. Missouri Life Insurance Laws

   • Policy delivery requirements
   • Free look period requirements
   • Beneficiary designation rules
   • Policy replacement regulations
   • Standard policy provisions

4. Missouri Health Insurance Laws

   • State health insurance mandates
   • Missouri continuation rights
   • Individual and group market rules
   • Medicare supplement regulations

5. Missouri Insurance Trade Practices

   • Unfair trade practices
   • Prohibited practices and penalties
   • Consumer protection laws
   • Claims handling requirements

Special Training Requirements (Post-License)

While Missouri has no pre-license education requirement, there are special training requirements for certain products:

Long-Term Care (LTC) Insurance

• Initial Training: 8 hours (one-time training required before selling LTC products)
• Ongoing Training: 4 hours every 2-year renewal period after completing initial training

NFIP Flood Insurance

• Training: 3 hours (one-time training required before selling flood insurance products)

License Maintenance & Continuing Education

CE Requirements

• Renewal Period: Every 2 years
• CE Hours: Required (check current DCI requirements for specific hours)
• Deadline: CE must be completed before license expiration

License Renewal

• Renewal Period: Every 2 years
• Renewal Process: Through NIPR
• Late Renewal: Additional fees and potential license lapse

Reporting Requirements

• Report address changes promptly
• Report administrative actions within required timeframe
• Maintain records for required period

Study Strategy

Recommended Study Plan

Week 1-2: National L&H Fundamentals

• Insurance principles and terminology
• Life insurance products and policies
• Health insurance coverages
• Policy provisions and contract law

Week 3: Missouri-Specific Content

• Missouri DCI structure
• Missouri Insurance Code
• Producer licensing requirements
• Consumer protection laws

Week 4: Practice & Review

• Take practice exams
• Review missed questions
• Focus on BOTH sections (national AND state)
• Memorize key numbers and dates

Key Numbers to Memorize

Exam Requirements

• Passing Score: 70% on each section separately
• Testing: In person only at Pearson VUE
• Processing Time: 24-48 hours after passing

Licensing Requirements

• Pre-License Education: NOT required

Post-License Training

• LTC Initial: 8 hours
• LTC Ongoing: 4 hours every 2 years
• Flood Insurance: 3 hours (one-time)

Missouri Insurance Resources

Official Resources

• Missouri Department of Commerce and Insurance: insurance.mo.gov
• Missouri Insurance Code: revisor.mo.gov
• Pearson VUE Exam Information: pearsonvue.com
• NIPR Licensing Portal: nipr.com

Important Contacts

Missouri Department of Commerce and Insurance

• Address: 301 W. High Street, Room 530, Jefferson City, MO 65101
• Phone: (573) 751-3518
• Website: insurance.mo.gov

Pearson VUE Testing

• Website: pearsonvue.com
• Phone: (866) 247-4740

Getting Started

This study guide is organized into chapters covering Missouri-specific requirements:

Chapter 1: Missouri L&H Regulation & Licensing

• Missouri DCI structure
• Producer licensing requirements
• Continuing education requirements
• Application process

Chapter 2: Missouri Life Insurance

• State policy requirements
• Free look and replacement rules
• Beneficiary provisions
• Group life insurance

Chapter 3: Missouri Health Insurance

• State health mandates
• Missouri continuation rights
• Medicare supplement regulations
• Long-term care requirements

Chapter 4: Missouri Ethics & Professional Conduct

• Unfair trade practices
• Producer duties to clients
• Claims handling requirements
• Record keeping and documentation

Ready to start? Begin with Chapter 1 to learn about Missouri's regulatory structure and licensing requirements.

Disclaimer

This study guide is for educational purposes only and reflects Missouri insurance laws and regulations as of January 2026. Insurance laws change frequently. Always verify current requirements with the Missouri Department of Commerce and Insurance before relying on any information for licensing or business decisions.

Good luck on your Missouri Life & Health insurance exam!