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Missouri Life Insurance — License Examination Requirements

US-MO · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Business Entity Insurance Producer License

Agency or other business entity producer acting through licensed individual producers for life insurance.

Licensing authority: Missouri Department of Commerce and Insurance · Application information

Nonresident business entity initial licensure
No examination is required for this applicant pathway.
Application
Uniform business entity application, $100 fee, branch-office list, and organizational documents required by the Department. A qualifying secretary-of-state certificate is dated within the preceding year; partnerships submit fictitious-name registration.
Domicile
Domiciled outside Missouri; home-state licensing and reciprocity apply under RSMo 375.017.
Fitness
The entity and its officers, directors, and owners must meet statutory fitness requirements.
Licensed Individuals
Designate a licensed individual responsible for compliance; list Missouri-licensed producers acting for the entity, with at least one at each location conducting Missouri business.

Official no-examination sources

Effective from 2026-09-22.

Business entity reinstatement within twelve months
No examination is required for this applicant pathway.
Fees
License renewal fee plus $25 for each month expired.
Time Limit
Within twelve months after the renewal due date.

Official no-examination sources

Effective from 2026-09-22.

Business entity relicensure after termination
No examination is required for this applicant pathway.
Application
Request reinstatement with a new business entity application and $100 fee; retain the designated responsible licensed producer and statutory fitness requirements.

Official no-examination sources

Effective from 2026-09-22.

Business entity biennial renewal
No examination is required for this applicant pathway.
Renewal
Submit updated business entity application and producer affiliations and $100 renewal fee by license expiration.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Uniform business entity application, $100 fee, branch-office list, and organizational documents required by the Department. A qualifying secretary-of-state certificate is dated within the preceding year; partnerships submit fictitious-name registration.
Domicile
Domiciled in Missouri.
Fitness
The entity and its officers, directors, and owners must meet statutory fitness requirements.
Licensed Individuals
Designate a licensed individual responsible for compliance; list Missouri-licensed producers acting for the entity, with at least one at each location conducting Missouri business.

Official no-examination sources

Effective from 2026-09-22.

Limited Line Credit Insurance Producer License

Credit-limited insurance authority includes credit life and mortgage life; it does not confer unrestricted life insurance authority.

Licensing authority: Missouri Department of Commerce and Insurance

Organizational credit business entity licensure
No examination is required for this applicant pathway.
Employee Fee
Rule 20 CSR 700-1.010(2)(A)(5) requires an additional $18 per employee contracted to receive salary or commission following licensure.
Entity
Apply on the uniform business entity form and pay $100; list employees paid salary or commission for credit insurance in the preceding twelve months.
Licensed Individual
Designate a responsible licensed producer and satisfy business entity fitness requirements.

Official no-examination sources

Effective from 2026-09-22.

Organizational credit business entity reinstatement
No examination is required for this applicant pathway.
Application
Within twelve months, pay renewal and $25 monthly late fees; beyond that period submit a new business entity application and applicable fees and qualifications.

Official no-examination sources

Effective from 2026-09-22.

Organizational credit business entity renewal
No examination is required for this applicant pathway.
Renewal
Updated uniform business entity application, $100 fee, updated credit insurance employee list, and the rule’s additional $18 employee fee where applicable.

Official no-examination sources

Effective from 2026-09-22.

Individual credit limited relicensure after termination
No examination is required for this applicant pathway.
Application
New uniform individual application, $100 fee, and statutory fitness requirements; the limited-line examination exemption remains applicable.
Former License
Applicant seeks credit-limited authority after the former license terminated beyond the late-renewal period; no unrestricted life authority is conferred.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited line credit individual licensure
No examination is required for this applicant pathway.
Application
Uniform individual application, age eighteen, $100 fee and statutory fitness requirements.
Home License
For a nonresident, maintain the corresponding home-state limited authority in good standing and meet reciprocity requirements.
Scope
Limited-line credit authority, including credit life and mortgage life connected to extinguishing a credit obligation.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within twelve months after renewal due date
No examination is required for this applicant pathway.
Continuing Education
Provide proof of applicable continuing education; statutory exemptions remain conditions.
Fees
Renewal fee plus $25 for each month expired.
Fitness
The director need not relicense a producer found to violate RSMo 375.141.
Time Limit
Within twelve months after the renewal fee due date; the same license is reinstated without a written examination.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Renewal
Limited-lines applicants are examination-exempt under RSMo 375.016(7) and continuing-education-exempt under RSMo 375.020(7); submit renewal and $100 fee.

Official no-examination sources

Effective from 2026-09-22.

Resident limited line credit individual licensure
No examination is required for this applicant pathway.
Application
Uniform individual application, age eighteen, $100 fee and statutory fitness requirements.
Home License
Missouri resident individual applicant.
Scope
Limited-line credit authority, including credit life and mortgage life connected to extinguishing a credit obligation.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Producer License

Nonresident recognition of a home-state limited authority narrower than the life major line; credit-limited authority is recorded separately.

Licensing authority: Missouri Department of Commerce and Insurance

Recognition of nonresident restricted life authority
No examination is required for this applicant pathway.
Credential Boundary
This record applies only to a limited authority involving life insurance; it does not register other states’ examinations.
Home Authority
Applicant holds a home-state limited-lines producer license whose scope is narrower than the life major line. Missouri grants the same restricted scope, not unrestricted life authority.
Reciprocity
Maintain current home-state licensure in good standing and meet application, fee and reciprocity conditions in RSMo 375.017(1).

Official no-examination sources

Effective from 2026-09-22.

Nonresident restricted life reinstatement
No examination is required for this applicant pathway.
Home License
Corresponding home-state limited authority and reciprocity must remain in place; after the late-renewal period use the nonresident recognition application route.
Time Limit
Within twelve months after renewal due date for the same license, with applicable renewal and $25 monthly late fees.

Official no-examination sources

Effective from 2026-09-22.

Nonresident restricted life biennial renewal
No examination is required for this applicant pathway.
Renewal
Retain corresponding current home-state limited licensure and submit the $100 Missouri renewal fee; home-state continuing-education reciprocity applies.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License

Temporary life-insurance business servicing license; no examination and a maximum ninety-day term.

Licensing authority: Missouri Department of Commerce and Insurance

Temporary servicing: business member or employee
No examination is required for this applicant pathway.
Director Discretion
Director must deem the temporary license necessary for servicing the insurance business.
Duration
Not more than ninety days; the license cannot continue after the owner or personal representative disposes of the business.
Eligibility
Member or employee of a licensed business entity after the designated individual’s death or disability.
Limitations
The director may limit authority, require a suitable licensed-producer or insurer sponsor, impose protective requirements, and revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary servicing: military designee
No examination is required for this applicant pathway.
Director Discretion
Director must deem the temporary license necessary for servicing the insurance business.
Duration
Not more than ninety days; the license cannot continue after the owner or personal representative disposes of the business.
Eligibility
Designee of a licensed producer entering active United States Armed Forces service.
Limitations
The director may limit authority, require a suitable licensed-producer or insurer sponsor, impose protective requirements, and revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary servicing: public interest
No examination is required for this applicant pathway.
Director Discretion
Director must deem the temporary license necessary for servicing the insurance business.
Duration
Not more than ninety days; the license cannot continue after the owner or personal representative disposes of the business.
Eligibility
Other circumstances in which the director finds issuance serves the public interest.
Limitations
The director may limit authority, require a suitable licensed-producer or insurer sponsor, impose protective requirements, and revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary servicing: surviving spouse or representative
No examination is required for this applicant pathway.
Director Discretion
Director must deem the temporary license necessary for servicing the insurance business.
Duration
Not more than ninety days; the license cannot continue after the owner or personal representative disposes of the business.
Eligibility
Surviving spouse or court-appointed personal representative of a deceased or disabled licensed producer, to permit sale of the business or training and licensing of replacement personnel.
Limitations
The director may limit authority, require a suitable licensed-producer or insurer sponsor, impose protective requirements, and revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer License — Variable Life and Variable Annuity Products

Variable life and variable annuity line of authority. FINRA securities examinations are applicant conditions and are not examinations of this insurance profession.

Licensing authority: Missouri Department of Commerce and Insurance

Nonresident recognition of existing variable life and annuity authority
No examination is required for this applicant pathway.
Application
Uniform application and $100 fee; the statute waives other nonresident application requirements for a valid reciprocally recognized home-state license.
Home License
Current same-line resident variable life and variable annuity authority in good standing, with reciprocal nonresident treatment by the home state.
Securities Qualification
FINRA Series 6 or Series 7 passing evidence named by 20 CSR 700-1.012 is a securities-profession qualification condition; another state’s own examination is never a leaf.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within twelve months after renewal due date
No examination is required for this applicant pathway.
Continuing Education
Provide proof of applicable continuing education; statutory exemptions remain conditions.
Fees
Renewal fee plus $25 for each month expired.
Fitness
The director need not relicense a producer found to violate RSMo 375.141.
Time Limit
Within twelve months after the renewal fee due date; the same license is reinstated without a written examination.

Official no-examination sources

Effective from 2026-09-22.

Biennial renewal
No examination is required for this applicant pathway.
Renewal
Sixteen approved continuing education hours per two-year period, including at least three hours of ethics, unless exempt or waived; submit renewal and $100 fee by expiration.
Restricted Funeral Products
For a life producer limited by written insurer agreement to designated funeral or burial life policies or annuities with initial face amount $20,000 or less, RSMo 375.020(8) exempts continuing education.
Waivers
Military service or another extenuating circumstance may support a waiver of renewal procedures or penalties under RSMo 375.018(10). Continuing-education waivers and extensions are governed by RSMo 375.020(5).

Official no-examination sources

Effective from 2026-09-22.