1.2 Missouri Producer Licensing Requirements
Key Takeaways
- Resident producers must be at least 18, pass each required examination, submit an application, and pay the $100 license fee
- Missouri does not require producer prelicensing courses
- Exam 55 costs $40, allows three hours, and uses a scaled passing score of 70
- Exam results remain valid for one year, so the license application must be filed within that period
- Producer licenses renew every two years on the licensee's birthday; insurers record appointments internally rather than filing routine appointment notices with DCI
Current Resident-Producer Path
The Missouri Department of Commerce and Insurance lists four core requirements for an ordinary resident insurance producer:
| Requirement | Current rule |
|---|---|
| Minimum age | 18 |
| Examination | Pass each exam required for the requested line |
| Application | Submit the resident producer application |
| State license fee | $100 |
| Prelicensing course | Not required |
The Department's current requirements page does not list fingerprinting as a standard step for an ordinary resident producer. Applicants must still answer the background questions on the uniform application, provide requested court or regulatory records, and obtain written federal consent under 18 U.S.C. 1033 when that law applies.
Current Combined P&C Exam
| Item | Exam 55 fact |
|---|---|
| Name | Property and Casualty Insurance Producer |
| Provider | Pearson VUE |
| Fee | $40 |
| Time | 3 hours |
| Published domain counts | Property 22/15/13; casualty 23/15/12; Missouri 20/10/10 |
| Passing standard | Scaled score 70 |
| Score validity | 1 year |
A scaled score of 70 is not 70 percent correct. The February 2026 outline's combined national heading conflicts with its detailed subsection totals, so do not infer a definitive overall question count from the PDF. Use its published domain allocations for study and confirm total-count logistics with Pearson VUE.
After an unsuccessful attempt, the handbook says to wait one day before scheduling a reexamination. It does not promise the old 90-day partial-section retake.
License Term, Renewal, and Appointments
Producer licenses renew every two years on the producer's birthday. The renewal fee is $100. A producer who misses the expiration date may late-renew for up to 12 months with a $25-per-month penalty; after that period, the former licensee must qualify and apply for a new license.
For property, casualty, or personal-lines authority, the standard continuing-education requirement is 16 hours every two years, including 3 ethics hours. Statutory waivers can apply in limited circumstances, so candidates should distinguish the standard exam rule from an individual waiver.
Missouri insurers do not file routine producer appointments with the Department. Instead, the insurer keeps an internal register and records the appointment within 30 days after authorizing the producer to transact business. Certain for-cause terminations still must be reported.
Nonresident Applicants
A producer with an active equivalent home-state license can generally use reciprocity rather than retaking the same Missouri examination. A producer moving to Missouri can also qualify for the examination waiver when the prior license and 90-day application conditions are met. Check the current Department instructions for the exact resident or nonresident application path.
Temporary-License Trap
The current resident-producer requirements page describes a six-month temporary license for title applicants. Do not apply that title-specific route to an ordinary Property and Casualty producer examination question.
How much prelicensing education does Missouri require for an ordinary resident P&C producer?
How long are Missouri producer exam scores valid?
How are ordinary producer appointments handled in Missouri?