Missouri Property & Casualty Exam Overview

Current Exam 55 Facts

The Missouri Property and Casualty Insurance Producer examination (code 55) is administered by Pearson VUE for the Missouri Department of Commerce and Insurance. The current Pearson VUE candidate handbook lists a $40 fee and a three-hour time limit. Missouri does not require a prelicensing course for resident producers.

A scaled 70 is not the number or percentage of questions answered correctly. Pearson VUE equates different exam forms, converts raw scores to a 0–100 scale, and reports 70 as the passing point.

February 2026 Blueprint

The effective February 1, 2026 outline publishes these detailed scored allocations:

Published-Outline Inconsistency

The combined national P&C heading says 50 scored plus 5 pretest questions, but the six printed national subsection counts total 100 scored items. The Missouri-specific heading separately says 40 scored plus 5 pretest questions. The PDF therefore does not unambiguously establish a combined total or support assigning a separate five-question pretest block to property and casualty. Study from the detailed domain allocations and confirm total-count logistics with Pearson VUE.

The old 170-question, 120-national/50-state blueprint is not the current outline. The current handbook also does not promise a 90-day partial-section retake. It states that candidates must wait one day before scheduling a reexamination.

After Passing

Apply for the producer license through NIPR after the result reaches the state system. The Missouri producer application fee is $100, and the license is biennial. Property/casualty producers complete 16 hours of continuing education every two years, including the required ethics component. Verify any third-party transaction charge at checkout rather than treating it as a fixed state fee.

Missouri Numbers and Distinctions

• Auto liability: 25/50/25—$25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage.
• Uninsured motorist: at least 25/50 bodily-injury protection is required for covered Missouri autos, subject to statutory rules.
• Underinsured motorist: do not assume separate UIM coverage is mandatory merely because it appears in the exam outline; Missouri law governs policies that include it, but does not impose the same general mandate as UM.
• FAIR Plan: provides a residual-market path for eligible property that cannot obtain normal-market coverage.
• Home-policy notices: scope and exceptions matter. For covered owner-occupied one- or two-family policies, nonrenewal generally requires at least 30 days' advance notice; cancellation timing differs for nonpayment and other grounds.
• Binders: a replacement policy dates coverage back to the binder; a binder cannot be used to create a rate advantage.

Study the official outline in this order: national property, national casualty, common Missouri producer law, Missouri property rules, then Missouri casualty rules.