What to Expect on the Missouri Insurance Exam
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Quick Answer
- Choose your license type first: Life & Health or Property & Casualty determines your exam focus and study materials
- Register with Pearson VUE: Book your exam at Pearson VUE’s Missouri pageEn Mo Insurance.html Us or call (866) 274‑4740
- Understand the format: ~150 questions (100 national, 50 state-specific), 3–3.5 hour time limit, 70% passing score
Missouri Insurance Exam Basics
Pearson VUE runs Missouri’s licensing examsResources Pre License How To Get An Insurance License In Missouri Insurance.aceable.com 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
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General Concepts (15–20): claims, underwriting, law
Missouri Topics (50 questions):
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Workers’ compensation
-
State-specific licensing laws
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Minimum coverage requirements
Question Formats to Expect
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Scenario-based problems
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Definitions and terminology
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Application questions
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Math and calculation questions (yes, practice those!)
Pro tip: Sample questions are available in the Pearson VUE Missouri Candidate Handbook (PDF)Dam VUE Vue En Documents Publications 122600.pdf Content.
Ready to take your insurance career to the next level?
If you’re eager to learn how to not only get licensed but also thrive in your insurance career, check out our Tips for Becoming a Successful Insurance Agent.
Toughest Exam Topics (And How to Master Them)
- Calculations: Coinsurance, deductibles, replacement cost vs. ACV
- State Rules: Know Missouri’s coverage minimums cold
- Policy Provisions: Understand what’s covered, what’s not, and sub-limit
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:
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Flashcards and active note-taking
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Timed practice exams
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Repeat tricky math problems
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Focus on Missouri-specific content
Test-Taking Tips
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Pace yourself: ~90 seconds per question
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Don’t overthink — trust your prep
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Mark tough questions and circle back
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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
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100% online, mobile-friendly platform
-
Missouri-specific exam prepPre License How To Choose A Missouri Insurance Licensing Course Resources
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Built-in practice tests and progress tracking
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Clear, gamified lessons that actually make sense
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Real support from licensing experts
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.
Ready to take the first step?
Your future in the Missouri insurance industry starts now.