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Missouri Life, Accident and Health Insurance Producer Examination
The Missouri Life, Accident and Health Insurance Producer Examination (exam code 54) is the combined life and accident & health licensing exam for Missouri insurance producers, administered by Pearson VUE at physical test centers for the Missouri Department of Commerce and Insurance: 105 multiple-choice questions (95 scored, 10 pretest) in 3 hours, passing at a scaled score of 70.
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Questions105 questions: 95 scored (50 general-knowledge + 45 Missouri-specific) plus 10 unscored pretest questions (5 per part) mixed in and unidentified
Testing time3 hours (the combined exam's allotted time; single-line Missouri exams get 2 hours)
ScoringPassing requires a scaled score of 70 on a 0–100 scale; the passing score was set by the Missouri Department of Insurance in conjunction with Pearson VUE, and raw scores are equated across exam forms
Exam feeUSD 40 examination fee for the combined exam (code 54), paid at reservation by credit card, debit card, electronic check, or voucher; non-refundable and non-transferable except under the change/cancel policy; single-line Missouri exams cost USD 32
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Exam overview
What to know before choosing your prep
- Who runs it
- Missouri DCI
- Category
- Life & Health Insurance Licensing
- Current version
- Missouri Insurance Content Outlines effective February 1, 2026 (Pearson VUE document #122601, 02/2026); paired Candidate Handbook edition March 2026
- Where it applies
- US-MO, United States
- Exam languages
- English
- Score scale
- 0–100 scaled score (passing score 70)
- Testing provider
- Pearson VUE
- Format
- Computer-based, all multiple-choice, delivered at physical Pearson VUE test centers
- Availability
- Year-round by appointment at Pearson VUE test centers; reservations online at least 24 hours before the desired date and up to one calendar day prior, subject to availability; no walk-in examinations
- Results
- Official score report in hand when leaving the test center; additional score reports available through the candidate's Pearson VUE online account
- Score validity
- Exam scores are valid for one year
- Remote testing
- Not available
Exam structure
One computer-based multiple-choice exam in two scored parts: a general knowledge part (50 scored questions covering life types of policies, provisions/riders, applications/underwriting, and accident & health types of policies, provisions, and other concepts) and a Missouri-specific part (45 scored questions on Missouri statutes, rules, and regulations common to all lines plus those pertinent to life and to accident & health), with 10 unidentified pretest questions mixed in
Where rules vary
Missouri-specific producer licensing exam: the state-specific portion 'has been developed to reflect the laws, statutes, rules, and regulations for the practice of insurance in Missouri.' Passing this exam qualifies a candidate to apply for a Missouri producer license (2-year term); it does not license in any other state.
Eligibility
No prelicensing education required for Missouri producer candidates; minimum age 18; candidates must present government-issued photobearing identification at the test center; after passing, licensure additionally requires the NAIC Uniform Application, a USD 100 license fee, and a clear background check by the Department
Retake policy
Unlimited attempts with no published waiting period other than one day before scheduling a reexamination; re-exam reservations are not made at the test center and the examination fee applies to each attempt