How much does the Missouri insurance exam cost?

Pearson's March 2026 handbook lists $32 for Life, Property, Casualty and Accident & Health, and $40 for the combined Property & Casualty and Life, Accident & Health exams.

How long should I wait to apply after passing?

Pearson says to wait 24–48 hours after passing so your result loads into the system, then apply to the Department through NIPR.

How long is a Missouri producer license valid?

Two years, with a $100 license fee and a $100 biennial renewal. Producers complete 16 hours of continuing education every two years.

How to Get Your Missouri Insurance License: Step-by-Step Guide

Q: Does Missouri require pre-licensing education?

Pearson's handbook lists no education requirement for the producer license, so you can go straight to the exam.

Missouri producers are licensed by the Department of Commerce and Insurance (DCI). The state follows a simple three-step path: reserve and pay, pass the exam, apply.

Quick answer: Missouri's Pearson VUE exams cost $32 for Life and $40 for Property & Casualty, with a scaled passing score of 70. There is no required pre-licensing education. After you pass, apply through NIPR — the producer license fee is $100 for a two-year license.

Step 1: Confirm you're eligible

To qualify as a Missouri resident producer, you must pass the exam required by statute, meet the minimum age listed in Pearson's handbook chart, submit the NAIC Uniform Application, and pay the application fee. Nonresidents follow a separate process with a letter of certification from their home state.

Step 2: Prepare for the exam

Pearson's handbook lists no education requirement for the producer license, so you can go straight to the exam. Missouri's exam includes state law, and Pearson publishes a content outline you can study from. A course built on the Missouri outline is the fastest way to cover it. See the Missouri courses →

Step 3: Reserve and pass the exam

Reserve at least 24 hours ahead through Pearson VUE's Missouri page or by phone; there are no walk-ins. Pearson's March 2026 handbook lists:

Exam	Fee	Time
Life (50)	$32	2 hours
Accident & Health (51)	$32	2 hours
Property (52)	$32	2 hours
Casualty (53)	$32	2 hours
Property & Casualty (55)	$40	3 hours
Life, Accident & Health (54)	$40	3 hours
Personal Lines (56)	$32	2.5 hours

Fees are paid at reservation and are non-refundable except under the change/cancel policy. You receive a pass/fail report at the end, and the passing score is a scaled 70. If you fail, you can reserve again after waiting one day.

Step 4: Apply with the Department

Wait 24–48 hours after passing so your result loads, then apply through the Department of Commerce and Insurance using the NAIC Uniform Application at NIPR with the license fee. The Department verifies your exam and background, then issues your license.

What it actually costs

Item	Cost
Pearson VUE exam (Life / Property & Casualty)	$32 / $40
Producer license fee (2 years)	$100
Pre-licensing course	not required

Keeping your license

Missouri producer licenses are valid for two years and renew biennially for $100. Producers complete 16 hours of continuing education every two years, including Missouri law and ethics (RSMo 375.020). Late renewal is possible for up to twelve months with proof of CE and a $25-per-month penalty.

Putting it together

Study to the Missouri outline, book the Pearson VUE exam, wait a day or two after passing, and file through NIPR.

Ready to start your Missouri license?

Start the Missouri Property & Casualty course → — built around the Missouri exam outline, with timed practice exams and a state-law section.

Start the Missouri Life Only course → — the same approach for the life exam.

Both are one flat price per license line: pay once, keep lifetime access, no subscription, and backed by our Pass Guarantee. Not sure which line to pick? Compare everything on the Missouri page, or book a 1-on-1 tutoring session and we'll help you choose and build a study plan.