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Exam Review

Key Facts: MO Life & Health Exam

105

Delivered Questions

Missouri content outline (95 scored + 10 pretest)

180 min

Exam Time

Pearson VUE Missouri program page

70%

Passing Score

Missouri candidate handbook

$35

Exam Fee

Pearson VUE Missouri fee table

1 year

Exam Result Validity

Missouri producer FAQ

16 CE / 3 ethics

Post-License CE

Missouri CE requirement summary

Feb 1, 2026

Current Outline Effective Date

Missouri content outline update

Current Missouri candidate materials list exam code 54 at 180 minutes, a 70% passing standard, and a $35 exam fee. The Missouri content outline effective February 1, 2026 shows 95 scored questions plus 10 pretest questions (105 delivered): 50 scored general and 45 scored Missouri-specific. Missouri also differs from many states by not requiring prelicensing classroom hours and by using a 16-hour CE requirement with 3 ethics hours every two years.

Sample MO Life & Health Practice Questions

Try these sample questions to review concepts for the MO Life & Health exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 625+ question experience with AI tutoring.

1Which Missouri agency has primary authority to regulate life and health insurers and producers?
A.Missouri Department of Revenue
B.Missouri Department of Commerce and Insurance (DCI)
C.Missouri Department of Human Services
D.Missouri Secretary of State
Explanation: The Missouri Department of Commerce and Insurance (DCI) is the state regulator for insurance licensing and market conduct. It enforces Missouri insurance statutes and rules for both life and health business. The other listed agencies do not serve as Missouri's primary insurance regulator.
2Which statement best describes Missouri's pre-licensing education rule for life and health producer applicants?
A.Missouri requires 20 hours for life and 20 hours for health before testing
B.Missouri requires a combined 60-hour pre-licensing package before testing
C.Missouri does not impose a pre-licensing course-hour requirement before the licensing exam
D.Missouri requires pre-licensing only for health, not life
Explanation: Missouri does not require a fixed number of pre-licensing classroom hours before taking the producer exam. Applicants still must pass the exam and complete licensing steps, including background processing. Many candidates still take prep courses even though hours are not mandated.
3Which testing vendor administers Missouri life and health producer licensing exams?
A.PSI Services
B.Prometric
C.Pearson VUE
D.FINRA
Explanation: Missouri producer exams are administered through Pearson VUE. Candidates schedule and pay exam fees through that vendor's Missouri insurance testing process. PSI, Prometric, and FINRA are not the current Missouri producer exam vendor for this line.
4What exam code does Pearson VUE use for the Missouri combined Life, Accident and Health producer exam?
A.54
B.31
C.33
D.67
Explanation: Missouri uses exam code 54 for the combined Life, Accident and Health producer examination. Choosing the wrong code can route you to a different line-of-authority exam. Always verify the code on the current Pearson VUE Missouri program page before booking.
5How is the Missouri combined Life, Accident and Health exam (code 54) structured in terms of scoring?
A.A single national section with no Missouri-specific content
B.Two parts — national insurance knowledge and Missouri-specific law — plus unscored pretest items mixed in, with a scaled passing score of 70
C.Only a Missouri-law section; the national content is tested separately
D.An oral interview followed by a 20-question written quiz
Explanation: The combined exam covers national life and health product knowledge plus Missouri-specific insurance law. The handbook also notes that unidentified, unscored pretest questions are mixed in with scored items, and scores are reported on a scaled basis with 70 as the passing score. Understanding the two-part structure helps candidates prepare for both general and state-law content.
6What is the time limit for the Missouri combined Life, Accident and Health exam?
A.120 minutes
B.150 minutes
C.180 minutes
D.210 minutes
Explanation: The Missouri Insurance Licensing Candidate Handbook allots 180 minutes (3 hours) for exam code 54. Candidates should pace for a full three-hour sitting rather than rushing early questions. Practicing full-length timed sets better mirrors the combined exam's delivery.
7What is the current Pearson VUE examination fee for the Missouri combined Life, Accident and Health producer exam (code 54)?
A.$32
B.$40
C.$55
D.$75
Explanation: The March 2026 Missouri Insurance Licensing Candidate Handbook lists a $40 fee for the combined Life, Accident and Health exam (code 54); the single-line Life (code 50) and Accident and Health (code 51) exams are $32 each. Retakes require a new exam fee, and the $100 licensing application fee is separate from testing fees.
8After passing a Missouri producer exam, how long are the exam results generally valid for licensing purposes?
A.90 days
B.180 days
C.1 year
D.2 years
Explanation: Missouri licensing FAQs indicate a passing exam score is valid for one year. If the application is not completed within that period, retesting may be required. This differs from states that use shorter validity windows.
9What is the standard Missouri resident producer license term for life and health authority?
A.1 year
B.2 years
C.3 years
D.4 years
Explanation: Missouri producer licenses generally renew every two years. Renewal timing is tied to the producer's birth month. Missing renewal can interrupt legal authority to transact insurance.
10How many continuing education credits must a Missouri resident producer complete each term, and how many must be ethics?
A.12 total, including 2 ethics
B.16 total, including 3 ethics
C.24 total, including 3 ethics
D.30 total, including 2 ethics
Explanation: Missouri resident producers generally need 16 CE hours per two-year period, including 3 ethics hours. Both requirements must be met for compliant renewal. This lower-hour rule differs from many states that require 24 hours.

About the MO Life & Health Exam

Missouri uses a single combined Life, Accident and Health producer exam (code 54). The blueprint mixes national life/health concepts with Missouri-specific law on producer licensing, appointments, unfair trade practices, replacement rules, Medicare supplement requirements, and ethical conduct.

Exam sponsor: Missouri Department of Commerce and Insurance / Pearson VUE. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

105 questions

Time Limit

3 hours (180 minutes)

Passing Score

70%

Exam / Certification Fees

$35

Exam sponsor website

Reported exam pass rate: Not publicly reported. Missouri DCI and Pearson VUE do not publish a statewide first-time pass rate Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

~25/95 scored (~26.3%)

Life General Knowledge

Life policy types, provisions/riders, underwriting, ownership/beneficiary rules, annuities, and tax fundamentals

~25/95 scored (~26.3%)

Accident & Health General Knowledge

Health policy types/provisions, social insurance, disability and LTC concepts, Medicare/Medicaid basics, and field underwriting

15/95 scored (~15.8%)

Missouri Common Insurance Law

DCI authority, producer licensing and renewal, appointments, CE, unfair practices, and disciplinary authority

15/95 scored (~15.8%)

Missouri Life-Specific Law

Life policy compliance, replacement duties, annuity suitability/best-interest expectations, and required disclosures

15/95 scored (~15.8%)

Missouri Health-Specific Law

Health policy standards, Medicare supplement rules, long-term care concepts, and Missouri mandated-benefit compliance

Preparing for the MO Life & Health Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 105 questions
  • Time limit: 3 hours (180 minutes)
  • Exam / certification fees: $35 Official sources

Using Our Practice Resources

  • Work through all 625 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

MO Life & Health: Suggested Study Strategy

1Memorize Missouri logistics first: exam code 54, 105 delivered questions, 180 minutes, and 70% passing.
2Use domain-weighted drills: the general section is 50 of 95 scored questions and Missouri-specific content is 45 of 95 scored questions.
3Prioritize Missouri producer-law details that trigger discipline, including licensing status, appointment timing, and reporting duties.
4Practice replacement and annuity suitability scenarios with written disclosure and client-benefit analysis.
5Review Medigap and Missouri health-law questions with focus on standardized plans and anti-duplication rules.
6Run full timed simulations and review misses by Missouri outline domain instead of by product label alone.

Frequently Asked Questions

How many questions and how much time are on Missouri exam 54?

Missouri exam code 54 is delivered in 180 minutes. The current outline shows 95 scored questions plus 10 pretest questions, for 105 delivered questions total.

What are the Missouri passing score and exam fee?

Pearson VUE Missouri program materials list a 70% passing score and a $35 exam fee for producer licensing exams.

Does Missouri require prelicensing education before testing?

Missouri does not currently list a mandatory prelicensing classroom-hour requirement before taking the producer exam, but candidates still must pass the exam and complete all licensing steps.

How long is a Missouri exam pass valid for licensing?

Missouri producer FAQs state exam results are generally valid for one year for licensing purposes.

What continuing education applies after Missouri licensure?

Missouri resident producers generally complete 16 CE hours every two years, including 3 ethics hours.

Which Missouri-specific law topics are most tested?

Expect heavy emphasis on DCI licensing rules, appointment timing, unfair trade practices, replacement disclosures, Medicare supplement standards, and producer conduct requirements.