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Missouri · State licensing

Pass the Missouri Life & Health insurance license exam.

Missouri requires no state-mandated pre-licensing education, administers the combined Life, Accident and Health exam through Pearson VUE for 40 dollars, and sets a 70 percent passing score.

Quick answer: The Missouri Life & Health insurance license exam is administered by Pearson VUE as a 95-question combined exam with a 180-minute limit, and you need 70% to pass. Missouri does not require pre-licensing education before you sit. The exam fee is $40 per attempt.

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Quick facts

Testing vendor
Pearson VUE
Passing score
70%
Pre-licensing hours
Not required
Application fee
$100
Exam fee
$40 per attempt
Combined exam length
95 Q · 180 min

Source: insurance.mo.gov. Confirm before you register. State schedules change.

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What's on the Missouri L&H exam.

The Missouri L&H exam is administered by Pearson VUE. The combined exam runs 95 questions with a 180-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Missouri.

Plan for roughly $180–$215 in mandatory Missouri state and vendor fees before any study materials.

License application
$100
Exam fee
$40 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
Not required

A retake means paying the $40 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Missouri exam FAQ.

Does Missouri require pre-licensing education for insurance agents?
No, Missouri has no state-mandated pre-licensing education requirement, though a prep course is recommended before the Pearson VUE exam.
How much is the Missouri Life and Health exam?
Pearson VUE charges 40 dollars for the combined Life, Accident and Health producer exam and 32 dollars for each single-line exam.
How many questions are on the Missouri combined insurance exam?
The Missouri Life, Accident and Health exam has 95 scored questions and a 3 hour limit, with a 70 percent passing score.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.