How many questions are on the Missouri Property exam?

90 scored questions: 50 general and 40 on Missouri law, plus 10 unscored pretest questions mixed in, with a 2-hour limit.

What is the passing score for the Missouri insurance exam?

70 on a scaled score of 0 to 100. The handbook says the scaled score is not the number or percentage of questions you answered correctly.

How much does the Missouri insurance exam cost?

$32 for the Life, Property, Casualty and Personal Lines producer exams, and $40 for the combined Property and Casualty and the combined Life, Accident and Health exams.

How long do I wait to retake the Missouri exam?

One day. You cannot reserve a reexamination at the test center, and you must wait one day before scheduling.

Can I take the Missouri insurance exam online?

Yes. The handbook says candidates can register to take their exams online or at a physical Pearson VUE testing location.

Missouri Insurance Exam: Questions, Passing Score and What's Tested

Missouri's insurance exams are given by Pearson VUE for the Department of Commerce and Insurance. Each exam has a general part and a Missouri-specific part.

Quick answer: The Life, Property and Casualty exams each have 90 scored questions (50 general plus 40 on Missouri law) and a 2-hour limit, for $32. The combined Property and Casualty exam takes 3 hours and costs $40. The passing score is 70 on a scaled score, which is not the same as 70% correct. If you do not pass, you wait one day before scheduling another attempt.

The exams at a glance

Pearson's March 2026 handbook lists these producer exams:

Exam	Time allotted	Fee
Life Insurance Producer	2 hours	$32
Property Insurance Producer	2 hours	$32
Casualty Insurance Producer	2 hours	$32
Property and Casualty Insurance Producer (combined)	3 hours	$40
Personal Lines Insurance Producer	2.5 hours	$32
Life, Accident and Health Producer (combined)	3 hours	$40

The outlines (effective February 1, 2026) set the number of questions:

Exam	General	Missouri law	Scored total	Pretest
Life	50	40	90	5 + 5
Property	50	40	90	5 + 5
Casualty	50	40	90	5 + 5
Personal Lines	75	40	115	5 + 5

For the combined Property and Casualty exam, which covers both outlines, we do not state a question total: the handbook prints a general-portion count that does not match its own section counts, so check the outline with Pearson.

How the scoring works

The passing score is 70 on a scaled score from 0 to 100, set by the Missouri Department of Insurance with Pearson VUE.
A scaled score is not a percentage. The handbook says any score below 70 shows how close you came, not the number or percentage of questions you answered correctly.
Scores are equated across exam forms, so the number of correct answers needed can vary a little from one form to another.
Pretest questions are mixed in, are not identified and do not affect your score.

What's on each exam

The general part is the same national content you would see in most states:

Life (50): types of policies 15, life provisions, riders, options and exclusions 15, completing the application, underwriting and delivering the policy 12, retirement and other insurance concepts 8.
Property (50): types of policies 22, insurance terms and related concepts 15, policy provisions and contract law 13.
Casualty (50): types of policies, bonds and related terms 23, insurance terms and related concepts 15, policy provisions 12.

The Missouri-specific part is 40 scored questions on each of those exams, and it is split between laws common to all lines and laws specific to the line:

Exam	Common to all lines	Line-specific
Life	20	20
Property	25	15
Casualty	25	15
Property and Casualty (combined)	20	10 property + 10 casualty

The common section covers the Director of Commerce and Insurance, licensing requirements (RSMo 375.012 and related sections, including temporary licenses and license suspension, revocation and denial), marketing practices such as unfair and deceptive practices and rebating (375.934, 375.936), the certificate of authority, fiduciary responsibilities, commissions and compensation, and the Missouri Insurance Guaranty Association. The line-specific sections add topics such as policy replacement, variable products, group, credit life and universal life insurance for Life; the Missouri FAIR Plan, inland marine, homeowners policies, binders and cancellation and nonrenewal for Property; and motor vehicle insurance, commercial policies, claim settlement practices and workers' compensation for Casualty.

Booking and test-day rules from the handbook

Test online or at a test center. Candidates can register to take their exams online or at a physical Pearson VUE location.
Change or cancel at least 48 hours ahead to transfer or refund the fee. Changing or cancelling without notice forfeits it.
Bring two forms of current signature ID. The name on the ID must exactly match your registration. The primary ID must be government-issued with your photo and signature, such as a driver's license, state ID, passport or military ID.
Wait one day to retake. Reservations for reexamination are not made at the test center, and you must wait one day before scheduling a reexamination.
Apply after you pass. The handbook says to wait 24 to 48 hours after passing so results can load, then apply through the Department of Commerce and Insurance.

A study plan that follows the questions

Learn the Missouri common section well. It is 20 or 25 of the 40 Missouri questions and is the same on every line.
For Property and Casualty, the general-knowledge types-of-policies section is the biggest (22 and 23 of the 50).
Give Missouri law real time. It is 40 of 90 scored questions, which is about 44% of each Life, Property and Casualty exam.
Use the clock. The 2-hour limit works out to about 80 seconds per scored question.

See how to get your Missouri insurance license for the application and what happens after you pass.

Figures come from Pearson VUE's March 2026 handbook and its outlines (effective February 1, 2026) as of October 2026 and can change. Check Pearson VUE before you book.

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.