How to Become a Missouri Licensed Insurance Agent

| January 12, 2013

Insurance professionals in the state of Missouri must obtain a producer’s license before they can buy or sell insurance on behalf of a company or insured.

The Missouri Department of Insurance Financial Institutions and Professional Registration offers several types of insurance licenses for Missouri agents/brokers/producers. Before seeking a license determine which line of authority (or type of insurance license) you wish to obtain. Below is a listing of the types of insurance licenses available:

  • Life
  • Life, variable contract
  • Accident and health
  • General casualty
  • Property
  • Personal lines
  • Title
  • Bail bond agent
  • General bail bond agent
  • Surety recovery agent
  • Surplus lines
  • Public adjuster
  • Public adjuster solicitor

Taking the State Licensing Exam

Missouri does not have a pre-licensing education requirement. Other states such as New York and New Jersey require its insurance producers to sit for a predetermined number of hours to satisfy their pre-licensing education requirement. After taking the classes, the candidate is given a Certificate of Completion, which allows them to sit for the state-licensing exam. Missouri insurance producers don’t have such a requirement.

Although the Missouri Department of Insurance does not require its producers to take pre-licensing courses, it is strongly recommended that anyone wishing to sit for the exam take the study time and/or preparatory courses necessary to pass the state exam.

Free Insurance Exam Study Material

The insurance licensing exam is administered through an organization called Pearson Vue. You must register on their website in order to take the exam.

While on the Pearson Vue website, download the Missouri Candidate Handbook which is a guide and a checklist of what to expect and the steps to take in order to obtain your insurance license. Also download the Content Outline document. As the name implies, the content outline document provides an outline of the type of questions that are on the state exam. It will give you an idea of how to go about studying for the exam.

Once you have reviewed the two documents mentioned above, you can test your knowledge by taking a practice test. The test is not free ($19.95), but it is cheaper than the actual exam, which ranges in price from $41 to $51 depending on license type.

Missouri

Applying for the Missouri Insurance License

Once you sit for the state licensing exam, Pearson Vue automatically submits your test results to the Missouri Department of Insurance. If you pass the exam, you have up to one year from the date of passing the exam to apply for your license.

To apply you must complete the electronic application available on the National Insurance Producer Registry (nipr.com). Once you have completed electronic resident licensing application and submit the fee of $100 the Department of Insurance will process your application as long as all papers are in order.

Licensing Term

The license is valid for a period of two years. Within that two-year period of time you must take anywhere from 8 to 16 hours of continuing education credits depending on the type of license. Failure to meet the minimum required continuing education credits will prevent you from renewing your license.

Note: Fees are subject to change. Therefore, you should visit the Missouri Department of Insurance website for the latest fee structure.

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Category: Insurance, Licensing, Missouri

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Felicia A. Williams is a wife, mother, freelance writer and owner of Tidbits and Stuff.

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