Missouri LTC, Annuity, and Flood CE Training Guide

Missouri's specialty training requirements unlock three of the state's most significant insurance markets: the St. Louis financial services community's retirement advisory demand (Edward Jones's 19,000+ advisors; financial services executives creating exceptional annuity advisory need), an aging Missouri population with significant agricultural wealth in rural communities creating LTC planning opportunities, and Missouri's river systems — Missouri River, Mississippi River, and their tributaries — creating genuine NFIP flood insurance advisory needs throughout the state. All specialty training counts toward Missouri's 16-hour CE requirement — making Missouri's specialty training particularly efficient compared to states requiring 24 hours.

Annuity Training (Effective August 30, 2024)

Missouri's Annuity Best Interest rule — most recently adopted specialty training requirement:

One-time 4-hour DCI-approved course before selling annuities

Life/Variable Annuity licensees

Prior NAIC suitability training completions before August 30, 2024: 1-hour update required

Resident and non-resident: complete in any state with substantially similar laws

Counts toward 16-hour CE

Missouri annuity market:

Edward Jones (St. Louis, Des Peres): Edward Jones is the world's largest independent broker-dealer by number of financial advisors — over 19,000 financial advisors, most serving individual investor clients from branch offices. Edward Jones's St. Louis headquarters employs thousands of home office professionals:

Home office operations professionals: $70,000-$180,000+

Financial advisor support and training professionals

Technology and operations staff

Corporate executives: $200,000-$1,000,000+

Edward Jones financial advisors throughout Missouri also create an adjacent annuity advisory context — though advisors primarily sell securities products, the rollover and retirement planning conversations around annuities are common in Edward Jones client communities.

St. Louis financial services community: Beyond Edward Jones, St. Louis has significant financial services employment:

Centene Corporation executives and senior managers: $150,000-$500,000+

Emerson Electric corporate professionals

Anheuser-Busch InBev executives

Washington University School of Business alumni and faculty community

Major law firm and professional services partners

Cerner/Oracle Health (Kansas City): Major electronic health records company; acquired by Oracle in 2022; large Kansas City tech employer:

Software engineers, product managers, healthcare IT professionals: $90,000-$200,000+

Career transitions between health IT companies create 401(k) rollover advisory demand

Oracle acquisition created significant compensation changes and career transition moments

Hallmark Cards (Kansas City): Major private company; significant Kansas City employer:

Creative and corporate professionals with above-average compensation

Long-tenured employees with substantial 401(k)/retirement savings

H&R Block (Kansas City): Fortune 500 tax preparation company; significant Kansas City professional workforce:

Tax and finance professionals with specific retirement planning awareness

Career transitions from H&R Block to independent tax practice create rollover advisory moments

LTC Training

Missouri LTC Training:

Initial LTC course before selling LTC products (one-time)

Ongoing refresher LTC course each renewal period

Both count toward 16-hour CE

Resident agents may complete in any state if DCI-approved

Missouri LTC Market:

Aging Missouri population: Missouri has a significant baby boomer population throughout the state — Kansas City, St. Louis, Springfield, and rural communities all have aging homeowner populations with genuine LTC planning needs.

Agricultural wealth: Missouri has significant agricultural wealth in rural communities:

Missouri farmland values: significant per-acre values in productive agricultural regions

Farm families with substantial land assets face Medicaid spend-down risk for LTC costs

Missouri LTC Partnership program: Like Indiana and Maryland, Missouri has an LTC Partnership program protecting assets dollar-for-dollar from Missouri Medicaid spend-down when Partnership-qualified LTC policies pay benefits

Farm families protecting farmland from MO HealthNet spend-down through LTC Partnership is a specifically Missouri advisory context

University and medical community:

Washington University in St. Louis faculty and researchers

Saint Louis University community

Barnes-Jewish Hospital and BJC HealthCare professionals — awareness of healthcare costs drives LTC receptivity

University of Missouri Hospital system professionals throughout the state

Rural Missouri long-term care awareness: Missouri's rural communities have higher rates of nursing home use than metropolitan areas — proximity to family members in nursing homes creates acute LTC awareness in rural Missouri clients.

NFIP Flood Insurance Certification

Requirement: One-time 3-hour NFIP Flood Insurance course for P&C/Personal Lines producers selling flood policies. Counts toward 16-hour CE.

Missouri flood context:

Missouri River: The Missouri River flows through the state from northwest to southeast — Kansas City sits where the Missouri River meets Kansas City. The Missouri River has produced some of the most significant floods in U.S. history:

The Great Flood of 1993: Worst flooding in Missouri history; 52 counties declared disaster areas

Multiple significant flood events since

Communities along the Missouri River from St. Joseph through Kansas City to Hermann, Washington, and St. Louis have active NFIP advisory needs

Mississippi River (St. Louis and southeastern Missouri):

St. Louis sits at the confluence of the Missouri and Mississippi rivers — a historically flood-prone location

Cape Girardeau, Hannibal, and other Mississippi River cities face periodic flooding

The New Madrid Seismic Zone in southeast Missouri creates earthquake risk in addition to flood risk — unusual P&C advisory combination

Meramec River (St. Louis suburbs):

The Meramec River floods regularly affecting suburban St. Louis communities — Eureka, Pacific, Arnold, and other communities

Meramec flooding is a regular advisory topic for suburban St. Louis P&C producers

Many St. Louis area homeowners near the Meramec are in FEMA floodplains

Agricultural flood risk: Missouri's river valleys — particularly the Missouri River floodplain in the northwest and the Mississippi River floodplain in the southeast — create significant agricultural flood risk. Crop insurance (federal USDA/FCIC) is separate from standard farm property insurance; NFIP flood coverage is relevant for farm structures in floodplains.

Integrating Specialty Training Into Missouri's 16-Hour CE

Life/A&H producer — 16 hours needed:

4-hr Annuity Best Interest (one-time) ✓

LTC initial training ✓ (varies by hours; counts toward CE)

3-hr Ethics ✓

Remaining general Life/A&H CE ✓

Total: 16 hours ✓

P&C/Personal Lines producer — 16 hours needed:

3-hr NFIP Flood (one-time) ✓

3-hr Ethics ✓

10 general P&C hours ✓

Total: 16 hours ✓

Missouri's 16-hour total means specialty training represents a larger percentage of the required CE than in 24-hour states — making each specialty certification more efficiently integrated into ongoing CE compliance.

5 Frequently Asked Questions

• What makes Edward Jones the most significant annuity advisory opportunity in Missouri? Edward Jones is headquartered in Des Peres, Missouri (St. Louis suburb) and employs thousands of home office professionals with above-average compensation and genuine retirement planning needs. Beyond the home office, Missouri's 19,000+ Edward Jones financial advisors throughout the state serve individual investors who have retirement account balances that may roll over to annuities at career transitions or retirement. Annuity Best Interest certification is required before any rollover advisory involving annuity products.
• What is Missouri's LTC Partnership program? Missouri's LTC Partnership program links LTC insurance benefit payments to Missouri Medicaid (MO HealthNet) asset protection on a dollar-for-dollar basis. When a Partnership-qualified LTC policy pays benefits, MO HealthNet protects an equivalent amount of the policyholder's assets from spend-down. For Missouri farm families with significant farmland assets, the LTC Partnership prevents the need to sell farmland to qualify for MO HealthNet long-term care coverage.
• Why is the Meramec River relevant for suburban St. Louis flood advisory? The Meramec River is one of Missouri's most significant flood rivers for suburban communities — it flows through Jefferson, Franklin, and St. Louis counties before meeting the Mississippi near Arnold. Communities like Eureka, Pacific, and Arnold experience regular Meramec flooding, and many properties near the Meramec are in FEMA flood zones. Suburban St. Louis P&C producers who understand NFIP flood coverage can serve this large and active flood advisory market.
• Does Missouri's 16-hour CE total make specialty training relatively more valuable? Yes — in a 24-hour CE state, the 4-hour Annuity Best Interest + 3-hour NFIP Flood + 3-hour Ethics = 10 hours out of 24 (42%). In Missouri's 16-hour system, those same specialty hours = 10 out of 16 (62.5%). Missouri producers who complete specialty training cover a much larger percentage of their CE requirement than comparison state peers, leaving fewer general CE hours to fill.
• How does the 2024 Missouri Annuity Best Interest rule's "prior training" update work? Producers who completed prior NAIC suitability training (before Missouri adopted the Best Interest standard on August 30, 2024) need to complete a 1-hour update course — not the full 4-hour course. This 1-hour update brings prior suitability training up to the Best Interest standard. New producers or producers who did not complete prior suitability training need the full 4-hour course.

Build Your Missouri Specialty Insurance Practice

Missouri's annuity advisory demand from the Edward Jones and St. Louis financial services community, LTC Partnership advisory for aging Missouri farm families, and NFIP flood advisory for Missouri River and Meramec River communities create specialty opportunities across the state. JustInsurance's DCI-approved Missouri CE includes all specialty training courses.

Enroll today and develop your Missouri specialty insurance expertise.