Missouri Insurance Continuing Education (CE) Courses

Missouri requires 16 hours of continuing education (CE) every 2 years to maintain an active insurance producer license. Of those 16 hours, 3 must specifically cover ethics and professional conduct — this is a mandatory component, not optional. All CE must be completed through a Missouri Department of Commerce and Insurance-approved provider before your license renewal deadline. JustInsurance is an approved provider and offers a complete 16-hour CE package for $39, including the required ethics hours.

JustInsurance offers a complete Missouri CE package — covering all 16 required hours including the 3-hour ethics requirement — for $39. This is a flat-fee bundle with no per-course upsells or surprise charges. Individual CE courses are also available for agents who need only specific topics to round out their renewal hours. Every purchase includes immediate online access, self-paced completion, and automatic CE credit reporting to the Missouri Department of Commerce and Insurance on your behalf.

Yes. Missouri approves online CE courses, and JustInsurance provides a full catalog of self-paced courses that meet all Missouri Department of Commerce and Insurance requirements. You can study on any device, pause and resume whenever you need to, and complete your 16-hour requirement in a single sitting or spread across multiple sessions. Once you finish each course, JustInsurance reports your completion electronically to the Missouri Department of Commerce and Insurance — you do not need to mail certificates or manually update your license record.

Your license expires and you owe $25 per month in late fees, capped at one year, after which you must reapply entirely. Specifically in Missouri: the grace period is None — late fees accrue immediately after expiration, the late fee is $25 per month late fee, up to one year max, and reinstatement runs $100 renewal fee plus accumulated monthly late fees with a window of Up to 1 year past expiration with late fees. A lapsed license also interrupts your commission flow and can trigger carrier appointment reviews. JustInsurance makes it easy to finish your hours well before your deadline — the entire $39 package can be completed in a single day if needed.

If your Missouri insurance license has lapsed, you typically have Up to 1 year past expiration with late fees to reinstate it before you must re-apply as a new licensee. Reinstatement in Missouri runs $100 renewal fee plus accumulated monthly late fees, and you must complete any outstanding CE hours from the lapsed period before the Missouri Department of Commerce and Insurance will process your reinstatement. The sooner you act, the simpler the process — waiting too long can mean retaking prelicensing education and the state exam from scratch. JustInsurance courses report electronically to the Missouri Department of Commerce and Insurance, so once your hours are complete your reinstatement moves fast.

Carry-forward policy in Missouri: No — courses must be completed within the applicable biennium. Carry-forward rules matter if you finish your required hours early in the cycle — in some states, the extra hours apply to your next renewal period, while in others any excess is simply lost. Ethics hours often have separate, stricter carry-forward rules than general CE hours, so even if general hours roll over, you typically need a fresh ethics course each cycle. For the current official carry-forward policy, always verify with the Missouri Department of Commerce and Insurance, which is the authoritative source of truth for your CE account.

Yes. Missouri mandates that 3 of your 16 required CE hours specifically cover ethics and professional conduct. This is not optional — you must satisfy the ethics component separately from general CE hours, and the Missouri Department of Commerce and Insurance tracks it independently. Failing to complete the ethics hours is treated the same as failing to complete your total CE requirement. JustInsurance's $39 CE package includes a fully approved 3-hour ethics course, so your entire renewal requirement is covered in one purchase.