Key Takeaways
- Missouri insurance licenses must be renewed every 2 years (biennial cycle)
- Renewal requires 16 hours of continuing education, including 3 hours of ethics
- Renewal is due by the last day of the birth month, every 2 years
- CE must be completed before submitting renewal application
- Address and name changes must be reported within 30 days
License Maintenance and Continuing Education
Missouri insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
Biennial Renewal System
| Item | Requirement |
|---|---|
| License Term | 2 years (biennial) |
| Renewal Due | Last day of birth month, every 2 years |
| CE Completion | Must complete before renewal |
Continuing Education Requirements
Missouri requires 16 hours of CE every 2 years for major lines:
CE Breakdown
| Requirement | Hours |
|---|---|
| Total CE Hours | 16 |
| Ethics (required) | 3 |
| Electives | 13 |
Lines Requiring CE
CE is required for:
- Life Insurance
- Accident & Health Insurance
- Property Insurance
- Casualty Insurance
- Personal Lines
- Variable Products
Exam Tip: Missouri requires 16 hours of CE every 2 years, which is less than many other states. However, all 16 hours must be completed before submitting your renewal application.
CE Course Requirements
- Must be completed at DCI-approved providers
- Online and classroom options available
- CE must be completed BEFORE license renewal
- CE credits reported electronically by providers
Renewal Process
Steps to Renew
- Complete 16 hours of CE (including 3 hours ethics)
- Log into NIPR at nipr.com
- Verify CE completion is recorded
- Submit renewal application
- Pay renewal fee
Renewal Timeline
- Renewal due by last day of birth month
- Renew every 2 years
- Complete CE before submitting renewal
Reporting Requirements
Missouri producers must notify DCI of changes within 30 days:
Required Notifications
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
How to Report
- Update through NIPR online portal
- Or submit in writing to DCI
- Failure to report is a violation
Non-Resident Licensing
Missouri has reciprocity with most states:
- Non-residents with active home state license can apply
- Same lines of authority as home state
- No exam required if home state license is current
- Must maintain home state license in good standing
- Apply through NIPR
Disciplinary Actions
DCI can take disciplinary action against licensees for violations:
Grounds for Discipline
- Violating insurance laws or regulations
- Fraudulent or dishonest practices
- Misappropriation of funds
- Misrepresentation to clients
- Failure to maintain CE requirements
- Failure to report required information
- Criminal conviction
Types of Discipline
| Action | Description |
|---|---|
| Warning | Minor first offense |
| Probation | License continues with conditions |
| Fine | Monetary penalty |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
License Status Types
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively selling (voluntary) |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
| Cancelled | Voluntarily surrendered |
How many hours of continuing education does Missouri require for license renewal?
How often must Missouri insurance licenses be renewed?
How many hours of ethics CE are required for Missouri license renewal?
When is the Missouri license renewal due?