Free MO Life & Health Exam Prep
Missouri Life, Accident and Health Insurance Producer
Prepare for the MO Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
Quick Facts
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Missouri Life & Health Insurance License: Complete Roadmap
Follow this path to organize your licensing and exam preparation
Lock Missouri Exam Logistics FirstYou are here
Memorize code 54 structure, 105 delivered questions, 180-minute timing, 70% passing score, and fee/application costs before deep content study.
Build Life + Health Core Domains
Prioritize life and health general sections because they represent 50 of 95 scored questions.
Drill Missouri Producer Law and State Sections
Focus on DCI authority, licensing/appointments, CE, replacement, Med Supp rules, and Missouri-specific unfair-practice standards.
Run Timed Full-Length Simulations
Use 105-question timed sets to build 3-hour pacing and review misses by Missouri outline domain.
Can You Take the MO Life & Health Exam?
Check if you meet the basic eligibility requirements
- •Pass Missouri exam code 54 (Life, Accident and Health Insurance Producer)
- •Submit resident producer application through NIPR
- •Resident producer application fee is $100 (separate from exam fee)
- •After licensure, complete 16 CE hours every 2 years including 3 ethics hours
- •Insurer appointments must be properly recorded before transacting on behalf of a carrier
MO Life & Health Quick Facts
Time to Get Licensed
4-8 weeks for most candidates
From start to license in hand
Retake Policy
Retesting requires a new exam registration and fee; candidates should verify current waiting rules in the Missouri handbook.
Total Cost Breakdown
Free MO Life & Health Prep Tools
Reported exam pass rate: Not publicly reported by Missouri DCI / Pearson VUE. Check the exam sponsor for the latest official figure.
625+ Practice Questions
Practice by topic with detailed answer explanations
AI Tutor Explains Mistakes
Understand why answers are wrong, not just which ones
Updated for 2026
Review the latest update date on each resource
$0 Forever
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What You'll Study
24 chapters covering the exam topics in this guide
Standalone Coverage Map
1 sections
Introduction: Missouri Life & Health Insurance Exam Overview
1 sections
National Portion: Principles of Insurance
4 sections
National Portion: Insurance Contracts & the Marketplace
4 sections
National Portion: Life Insurance Basics & Term
3 sections
National Portion: Whole Life & Universal Life
4 sections
National Portion: Variable & Specialized Life Products
4 sections
National Portion: Life Insurance Policy Provisions
4 sections
National Portion: Policy Options, Riders, Dividends & Nonforfeiture
4 sections
National Portion: Underwriting, Policy Delivery & Group Life
3 sections
National Portion: Annuity Fundamentals & Types
4 sections
National Portion: Annuity Payouts & Taxation of Life/Annuities
3 sections
National Portion: Qualified Retirement Plans
3 sections
National Portion: Health Insurance Basics & Medical Expense
4 sections
National Portion: Health Policy Provisions & Group Health
3 sections
National Portion: Disability Income Insurance
4 sections
National Portion: Long-Term Care & Other Health Products
3 sections
National Portion: Medicare & Medicare Supplements
3 sections
National Portion: Medicaid, ACA & Health Insurance Taxation
3 sections
National Portion: Insurance Regulation, Licensing & Ethics
4 sections
Chapter 1: Missouri Insurance Regulation & Licensing
3 sections
Chapter 2: Missouri Life Insurance Laws
3 sections
Chapter 3: Missouri Health Insurance Laws
3 sections
Chapter 4: Missouri Insurance Ethics & Prohibited Practices
3 sections
MO Life & Health-Specific Topics Covered
MO Life & Health Exam Details
Missouri Life, Accident and Health Insurance Producer
Administered by Missouri Department of Commerce and Insurance (DCI) / Pearson VUE
Exam Content Breakdown
Based on the official Missouri Department of Commerce and Insurance (DCI) / Pearson VUE content outline
Life policies, provisions/riders, underwriting, ownership/beneficiary rules, annuities, and tax concepts
Health policy types/provisions, disability/LTC concepts, social insurance, and field underwriting
DCI authority, producer licensing/renewal, appointments, CE, unfair practices, and discipline framework
Life replacement duties, annuity rules, and line-specific compliance expectations
Medicare supplement standards, health-policy compliance, and state law obligations for producers
What's Included
24 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
Free to Start
No credit card required
Quality Exam Prep Shouldn't Cost Hundreds
I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.
Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.
What's Next After the MO Life & Health?
After passing the MO Life & Health, you can pursue these career paths
MO Life & Health Exam FAQ
Official Missouri Department of Commerce and Insurance (DCI) / Pearson VUE Resources
Verify information with these official sources
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