100+ Free Missouri Surplus Lines Practice Questions

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Question 1

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Under Missouri law, can a surplus lines broker charge a fee in addition to the premium?

No, broker fees are prohibited

Yes, but the fee must be disclosed to the insured and documented

Only if the fee is less than 10% of the premium

Yes, with no disclosure required

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Free Surplus Lines Insurance Practice Test by State 2026: 2,300+ Questions22 min read

2026 Statistics

Key Facts: Missouri Surplus Lines Exam

65-75%

First-Time Pass Rate

Industry Data

70%

Passing Score

Pearson VUE

~50

Exam Questions

Pearson VUE

1 hour

Exam Duration

Pearson VUE

$64

Exam Fee

Pearson VUE

P&C Required

Prerequisite

Missouri DCI

Missouri requires surplus lines brokers to pass a Pearson VUE exam covering E&S market operations, state-specific regulations, and the 5% surplus lines premium tax. Candidates must hold an active P&C license and demonstrate knowledge of diligent search requirements and insurer eligibility standards.

Sample Missouri Surplus Lines Practice Questions

Try these sample questions to test your Missouri Surplus Lines exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1What is a surplus lines broker in Missouri?

A.An agent who sells standard admitted insurance

B.A licensed intermediary who places coverage with non-admitted insurers when coverage is unavailable in the admitted market

C.A claims adjuster specializing in excess coverage

D.A reinsurance broker

Explanation: A surplus lines broker in Missouri is a specially licensed intermediary authorized to place insurance with non-admitted (surplus lines) insurers when the needed coverage cannot be obtained from admitted carriers in the state. This role requires a separate surplus lines license beyond the standard P&C license.

2What prerequisite license must a Missouri surplus lines broker hold?

A.Life insurance license

B.Health insurance license

C.Active Property & Casualty license

D.No prerequisite required

Explanation: Missouri requires surplus lines brokers to hold an active Property & Casualty (P&C) insurance license as a prerequisite. This ensures brokers have foundational knowledge of insurance principles before placing coverage in the non-admitted market.

3What is the passing score for the Missouri surplus lines broker exam?

A.60%

B.65%

C.70%

D.75%

Explanation: The Missouri surplus lines broker exam requires a minimum passing score of 70%. This is consistent with most state insurance licensing exams and ensures candidates demonstrate adequate knowledge of surplus lines markets, regulations, and practices.

4Which testing vendor administers the Missouri surplus lines broker exam?

A.Prometric

B.PSI

C.Pearson VUE

D.Castle Worldwide

Explanation: Pearson VUE administers the Missouri surplus lines broker licensing exam. Candidates must register through Pearson VUE to schedule their exam at an authorized testing center. The exam fee is approximately $64.

5What is a 'diligent search' in the context of Missouri surplus lines?

A.A background check on the insured

B.A documented effort to obtain coverage from admitted insurers before placing with a non-admitted carrier

C.A search for the cheapest premium available

D.An investigation into claims history

Explanation: A diligent search requires the surplus lines broker to make a good-faith effort to place coverage with admitted insurers before approaching the surplus lines market. Missouri law mandates this search to protect consumers and ensure the surplus lines market is used only when the admitted market cannot provide coverage.

6How many admitted insurers must typically be contacted during a diligent search in Missouri?

A.One insurer

B.Two insurers

C.Three or more insurers

D.No minimum requirement

Explanation: Missouri generally requires that a surplus lines broker contact at least three admitted insurers as part of the diligent search process. The broker must document each declination, showing that the admitted market cannot provide the coverage needed before placing with a non-admitted carrier.

7What is the Missouri Department of Commerce and Insurance (DCI) responsible for regarding surplus lines?

A.Setting premium rates for surplus lines policies

B.Regulating and overseeing surplus lines brokers and ensuring compliance with state laws

C.Directly insuring risks that cannot be placed in the admitted market

D.Providing reinsurance to surplus lines carriers

Explanation: The Missouri Department of Commerce and Insurance (DCI) is the regulatory body that oversees surplus lines broker licensing, ensures compliance with state surplus lines laws, maintains the list of eligible non-admitted insurers, and enforces reporting and tax requirements.

8What is the surplus lines premium tax rate in Missouri?

A.2%

B.3%

C.5%

D.8%

Explanation: Missouri imposes a 5% premium tax on surplus lines transactions. The surplus lines broker is responsible for collecting this tax from the insured and remitting it to the Missouri Department of Commerce and Insurance. This tax replaces the premium tax that admitted insurers pay directly.

9Who is responsible for collecting and remitting surplus lines taxes in Missouri?

A.The insured

B.The non-admitted insurer

C.The surplus lines broker

D.The Missouri DCI

Explanation: In Missouri, the surplus lines broker is responsible for collecting the surplus lines premium tax from the insured and remitting it to the state. The broker must file tax returns and maintain accurate records of all surplus lines transactions for regulatory compliance.

10What is an 'eligible surplus lines insurer' in Missouri?

A.Any insurer licensed in Missouri

B.A non-admitted insurer that meets Missouri's financial and regulatory requirements to write surplus lines business

C.Any Lloyd's syndicate

D.Any reinsurer

Explanation: An eligible surplus lines insurer is a non-admitted carrier that meets Missouri's financial requirements, including minimum capital and surplus thresholds. These insurers appear on the state's approved list and are permitted to accept surplus lines placements from licensed brokers.

About the Missouri Surplus Lines Exam

The Missouri surplus lines broker exam covers surplus lines markets, Missouri DCI regulations, diligent search requirements, non-admitted insurer eligibility, surplus lines taxation, NRRA provisions, and compliance obligations for brokers placing coverage with non-admitted carriers.

Questions

50 scored questions

Time Limit

1 hour

Passing Score

70%

Exam Fee

$64 (Pearson VUE)

Missouri Surplus Lines Exam Content Outline

30%

Surplus Lines Markets

Lloyd's of London, London market, alien insurers, wholesale brokers, MGAs, market cycles, and E&S industry structure

25%

Missouri Surplus Lines Law

Missouri DCI regulations, licensing requirements, P&C prerequisite, disclosure obligations, broker duties, and penalties

20%

Diligent Search & Eligibility

Diligent search process, declination documentation, eligible insurer financial requirements, export lists, exempt commercial purchasers

25%

Taxation & Compliance

Missouri 5% premium tax, annual filing deadlines, NRRA home-state taxation, recordkeeping, and multi-state compliance

How to Pass the Missouri Surplus Lines Exam

What You Need to Know

Passing score: 70%
Exam length: 50 questions
Time limit: 1 hour
Exam fee: $64

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

Missouri Surplus Lines Study Tips from Top Performers

1Master the diligent search process and documentation requirements specific to Missouri

2Know Missouri's 5% surplus lines premium tax rate and March 1 annual filing deadline

3Understand the structure of Lloyd's of London, syndicates, and the London market

4Study the NRRA home-state taxation provisions and how they affect multi-state placements

5Learn the financial requirements for non-admitted insurers to be eligible in Missouri

6Review the Missouri guaranty fund exclusion and required disclosure to insureds

Frequently Asked Questions

What does the Missouri surplus lines broker exam cover?

The exam covers surplus lines markets, Missouri DCI regulations, diligent search requirements, non-admitted insurer eligibility, the 5% premium tax, NRRA provisions, and broker compliance obligations.

What license do I need before taking the Missouri surplus lines exam?

You must hold an active Missouri Property & Casualty (P&C) insurance license before applying for the surplus lines broker license.

What is the passing score for the Missouri surplus lines exam?

You need a score of 70% or higher to pass the Missouri surplus lines broker exam administered by Pearson VUE.

How much does the Missouri surplus lines exam cost?

The exam fee is approximately $64, paid to Pearson VUE when scheduling. Additional licensing application fees apply separately through Missouri DCI.

What is the surplus lines premium tax rate in Missouri?

Missouri imposes a 5% premium tax on surplus lines transactions. The broker collects this from the insured and remits it to the state annually by March 1.

How long do I have to complete the Missouri surplus lines exam?

You have approximately 1 hour to complete the exam, which includes approximately 50 scored questions plus pretest questions that do not count toward your score.