How to get a Missouri life & health license
Requirements, exam, fees and the order to do things in — from the Missouri Department of Commerce & Insurance and the exam handbook.
Step by step
- Study for the exam — Missouri doesn't require a pre-licensing course for this license, but most first-time candidates take an exam-prep course.
- Schedule and pass the state exam with Pearson VUE ($32). Read the candidate handbook.
- Get fingerprinted if required — Not required for producers (only bail/surety recovery, via MACHS).
- Apply for the license through NIPR or the Missouri Department of Commerce & Insurance ($100).
- Get appointed by an insurance company (agents) and keep up with continuing education — 16 per 2 years (ethics hours unverified) hours per renewal (license term: 2 years).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Missouri (optional here, but it lifts pass rates). Some links may be affiliate links.
Missouri Life & Health requirements
| Life | Accident & Health | |
|---|---|---|
| Pre-licensing education | None required | None required |
| Exam vendor | Pearson VUE | Pearson VUE |
| Exam fee | $32 | $32 |
| Questions / time | 120 min | 120 min |
| License application fee | $100 | $100 |
| Fingerprints | Not required for producers (only bail/surety recovery, via MACHS) | Not required for producers (only bail/surety recovery, via MACHS) |
| Continuing education | 16 per 2 years (ethics hours unverified) hours · 2 years | 16 per 2 years (ethics hours unverified) hours · 2 years |
Life: No pre-licensing education. Life/A&H combo exam 54: $40, 3 hrs.
Accident & Health: Exam 51.
Minimum age 18. Sources: Pearson VUE Missouri Insurance Licensing Candidate Handbook (March 2026) · NIPR – Missouri resident individual requirements. Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other Missouri licenses
Property & Casualty license · Adjuster license · All Missouri insurance licenses
Questions
How long does it take to get a life and health insurance license in Missouri?
Missouri has no required pre-licensing hours, so many candidates sit the exam within 1–3 weeks of studying. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Missouri Life & Health license cost?
State fees (exam + application) come to about $264, plus fingerprints and a course if you take one.
Who runs the Missouri insurance exam?
Pearson VUE. Book the exam on the vendor's site after reading the candidate handbook.