1.3 License Renewal & Continuing Education
Key Takeaways
- Missouri producer licenses generally renew every 2 years on the producer's birth date; the timely renewal fee is $100
- Standard P&C continuing education is 16 approved hours per 2-year period, including 3 hours of ethics
- Recognized CE waivers include serious injury or illness, extended active military duty, residence outside the United States, and age 70 or older
- Late renewal is available for no more than 12 months, with a $25 fee for each month or fraction of a month
- Long-Term Care Partnership producers complete 4 hours every 2 years as part of the 16-hour total; a general CE exemption does not remove that training duty
Missouri producer licenses generally renew every two years on the producer's birthday. Confirm the current renewal record and continuing-education status before the expiration date.
Renewal and Late Renewal
| Requirement | Missouri rule |
|---|---|
| License term | Biennial; expiration is tied to the producer's birthday |
| Timely renewal fee | $100 |
| Standard P&C CE | 16 approved hours during the two-year term |
| Ethics | At least 3 of the 16 hours |
| Late renewal | Available for no more than 12 months after termination |
| Late fee | $25 for each month or fraction of a month, in addition to the renewal fee |
A producer whose license has terminated may not transact insurance while unlicensed. During the 12-month late-renewal period, the producer must satisfy the renewal requirements and pay the applicable monthly late fee. After 12 months, the person must apply as a new license applicant and meet the then-current qualification requirements.
Continuing Education
Property and casualty producers who are not exempt complete 16 hours every two years, including 3 hours of ethics. Ethics hours are part of the 16-hour total. Approved providers report completed courses, but the producer should verify the record before renewal and retain completion documentation.
The Director may waive continuing education when the producer demonstrates one of the recognized circumstances: serious injury or illness, extended active military duty, residence outside the United States, or age 70 or older. A waiver applies to the continuing-education requirement; it does not create authority to transact insurance while a license is terminated.
Product-Specific Training
A producer who sells Missouri Long-Term Care Partnership coverage completes 4 hours of approved continuing education every two years. Those hours are part of—not added to—the producer's 16-hour biennial requirement. A general CE exemption does not remove the separate Long-Term Care Partnership training obligation.
Other products, including annuities and flood insurance, may have product-specific training rules. Check the current Missouri product rule before soliciting that coverage rather than assuming every product course is an extra hour requirement outside the standard CE total.
Exam Focus
Remember the tested distinctions: 16 total hours includes 3 ethics hours; recognized CE waivers are possible; late renewal can occur only within 12 months and carries a monthly fee; and Long-Term Care Partnership training counts within the 16 hours.
How many hours of continuing education are required for Missouri P&C producers every 2 years?
How many of the required Missouri CE hours must be in ethics?
How does Missouri's 4-hour Long-Term Care Partnership training relate to a nonexempt producer's standard CE requirement?