Key Takeaways
- Missouri does NOT require pre-license education for insurance licenses
- Pearson VUE administers Missouri insurance licensing exams
- TWO-PART exam: Must score 70% on EACH section (national and state) - NOT averaged
- National section: 100 scored + 20 pretest; State section: 40 scored + 10 pretest
- Remote proctored exams are NOT available as of May 2025 - in-person only
Missouri Producer Licensing Requirements
Missouri has specific requirements for obtaining Life and Health insurance licenses.
Pre-License Education Requirements
No Pre-License Education Required
Missouri does NOT require pre-license education for insurance licenses:
| Requirement | Status |
|---|---|
| Pre-License Education | NOT REQUIRED |
| Mandatory Hours | None |
| Specific Courses | None |
Key Points:
- Missouri has no formal pre-licensing education requirement
- Exam preparation courses are strongly recommended but not mandatory
- Candidates who complete prep courses have significantly higher pass rates
- You can proceed directly to scheduling your exam
Exam Tip: While Missouri doesn't require pre-license education, the exam has a unique two-part structure that tests both national concepts and Missouri-specific regulations. Quality exam preparation is essential.
Examination Requirements
The Missouri insurance licensing examination has a unique two-part structure:
| Exam Detail | Requirement |
|---|---|
| Testing Provider | Pearson VUE |
| National Section | 100 scored + 20 pretest questions |
| State Section | 40 scored + 10 pretest questions |
| Passing Score | 70% on EACH section |
| Remote Testing | NOT available (since May 2025) |
CRITICAL: Two-Part Scoring
IMPORTANT: Missouri exams have TWO parts scored SEPARATELY. You must score 70% on EACH section. The scores are NOT averaged together. If you fail one section, you fail the entire exam!
| Section | Questions | Required Score |
|---|---|---|
| National/General | 100 scored | 70% (70 correct) |
| Missouri State Rules | 40 scored | 70% (28 correct) |
Examination Process
Scheduling the Exam
- Prepare using exam prep materials (strongly recommended)
- Schedule exam through Pearson VUE
- Online at pearsonvue.com
- Phone: (866) 247-4740
- Must schedule at least 24 hours in advance
Testing Locations
- 16+ locations within Missouri
- 37 locations in surrounding states
- All US test centers available
- IN-PERSON ONLY (no remote testing since May 2025)
Exam Day Requirements
What to Bring:
- Two forms of valid, government-issued ID
- One must contain a photograph
- Driver's license, passport, military ID accepted
Testing Rules:
- Arrive 30 minutes early for check-in
- No cell phones or electronic devices
- No watches or personal items
- No wallet or purse at testing station
- Results provided immediately after completion
- If you arrive late, you forfeit your exam fee
Application Process
After passing the exam:
Application Steps
- Pass exam with 70% on BOTH sections
- Wait 24-48 hours for results to process
- Apply through NIPR at nipr.com
- Pay license fee
- Await approval - Background check review
Qualifications
To obtain a Missouri insurance license, you must:
- Be at least 18 years of age
- Be a resident of Missouri (for resident license)
- Pass BOTH sections of the licensing examination with 70%
- Submit completed application through NIPR
- Pay applicable fees
- Have no disqualifying criminal history
Lines of Authority
| License Type | What You Can Sell |
|---|---|
| Life | Life insurance and annuities |
| Accident & Health | Health, disability, LTC insurance |
| Property | Property insurance |
| Casualty | Liability insurance |
| Personal Lines | Personal auto and homeowners |
| Variable Products | Variable life and annuities (requires FINRA) |
Does Missouri require pre-license education for insurance licenses?
Who administers insurance licensing exams in Missouri?
How is the Missouri insurance exam scored?
Are remote proctored exams available in Missouri?
How many questions are on the Missouri state-specific section of the exam?