What to Expect on the Missouri Insurance Exam

Missouri Insurance Exam Basics

Pearson VUE runs Missouri’s licensing exams at locations statewide. The exam is computer-based, multiple-choice, and split into two parts:

• National Content (100 questions) – Covers industry-wide concepts.

• State-Specific Content (50 questions) – Focuses on Missouri laws and regulations.

Pass rate: About 50–70% nationally.

With structured courses (like Aceable)? Pass guarantee or your money back.

Life & Health Exam Breakdown

Structure:

• ~150 Questions

• 3 hours

• $35 fee

• 70% passing score

What’s Covered:

National Topics (100 questions):

• Life Insurance (25–30): term, whole, riders, beneficiaries

• Health Insurance (25–30): medical plans, Medicare, group coverage

• Annuities (15–20): immediate vs. deferred, fixed vs. variable

• General Concepts (20–25): risk, ethics, contract law

Missouri Topics (50 questions):

• Licensing laws and ethics

• Coverage mandates

• State insurance code

Property & Casualty Exam Breakdown

Structure:

• ~150 Questions

• 3 hours

• $35 fee

• 70% passing score

What’s Covered:

National Topics (100 questions):

• Property Insurance (35–40): homeowners, commercial, dwelling

• Auto Insurance (25–30): personal & commercial, no-fault

• Liability (20–25): general, personal, professional

• General Concepts (15–20): claims, underwriting, law

Missouri Topics (50 questions):

• Workers’ compensation

• State-specific licensing laws

• Minimum coverage requirements

Question Formats to Expect

• Scenario-based problems

• Definitions and terminology

• Application questions

• Math and calculation questions (yes, practice those!)

Pro tip: Sample questions are available in the Pearson VUE Missouri Candidate Handbook (PDF).

Exam Day Logistics

Schedule early: Appointments fill up fast, book 2–3 weeks out.

Bring:

• 2 forms of valid ID

• Confirmation email or booking number

• Yourself (30 minutes early, please)

Provided:

• Secure computer station

• On-screen calculator

• Electronic scratchpad

Note: Breaks are allowed but count toward your exam time.

Toughest Exam Topics (And How to Master Them)

1. Calculations: Coinsurance, deductibles, replacement cost vs. ACV

2. State Rules: Know Missouri’s coverage minimums cold

3. Policy Provisions: Understand what’s covered, what’s not, and sub-limits

Study Strategy That Works

8-Week Study Plan

Week	Focus
1–2	Complete your prep course
3–4	First full-length practice test
5–6	Target weak spots, take test #2
7	Missouri laws + test #3
8	Light review + rest

Proven Methods:

• Flashcards and active note-taking

• Timed practice exams

• Repeat tricky math problems

• Focus on Missouri-specific content

Test-Taking Tips

• Pace yourself: ~90 seconds per question

• Don’t overthink — trust your prep

• Mark tough questions and circle back

• Watch for keywords: “must,” “always,” “except”

After the Exam

Pass?
Congrats! You’ll:

• See results immediately

• Apply for your license online

• Get licensed in 7–10 business days

• Be ready to start your new career

Didn’t pass?
No worries:

• Retake in 24 hours

• Fee is still $35

• Review your results and refine your study plan

Why Students Choose Aceable

• 100% online, mobile-friendly platform

• Missouri-specific exam prep

• Built-in practice tests and progress tracking

• Clear, gamified lessons that actually make sense

• Real support from licensing experts