200+ Free MO Life & Health Practice Questions
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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.
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.
Questions
105 scored questions
Time Limit
3 hours (180 minutes)
Passing Score
70%
Exam Fee
$35 (Missouri Department of Commerce and Insurance / Pearson VUE)
MO Life & Health Exam Content Outline
Life General Knowledge
Life policy types, provisions/riders, underwriting, ownership/beneficiary rules, annuities, and tax fundamentals
Accident & Health General Knowledge
Health policy types/provisions, social insurance, disability and LTC concepts, Medicare/Medicaid basics, and field underwriting
Missouri Common Insurance Law
DCI authority, producer licensing and renewal, appointments, CE, unfair practices, and disciplinary authority
Missouri Life-Specific Law
Life policy compliance, replacement duties, annuity suitability/best-interest expectations, and required disclosures
Missouri Health-Specific Law
Health policy standards, Medicare supplement rules, long-term care concepts, and Missouri mandated-benefit compliance
How to Pass the MO Life & Health Exam
What You Need to Know
- Passing score: 70%
- Exam length: 105 questions
- Time limit: 3 hours (180 minutes)
- Exam fee: $35
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
MO Life & Health Study Tips from Top Performers
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.