Missouri License Requirements
Missouri Insurance License Requirements (2026)
Everything you need to know to get and keep your Missouri insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Missouri Insurance License Requirements at a Glance
Key facts for getting and maintaining your Missouri insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Missouri |
| Prelicensing Hours (Life) | None required (optional) |
| Prelicensing Hours (Health) | None required (optional) |
| Prelicensing Hours (Life & Health Combined) | None required (optional) |
| Exam Provider | Pearson VUE |
| Exam Fee | $29-35 |
| Passing Score | 70% |
| Application Fee | $100 |
| Background Check Cost | $No separate fee |
| Fingerprinting Required | No |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Missouri licenses expire on the last day of your birth month every 2 years |
| License Duration | 2 years |
| Special Training Required | No |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Missouri Insurance License
Follow these five steps to go from zero to licensed in Missouri.
Complete Prelicensing Education
Prelicensing education status for Missouri: None required (optional). Check with the Missouri Department of Commerce and Insurance for current requirements.
Browse Missouri Prelicensing Courses →Schedule and Pass the State Exam
The Missouri insurance licensing exam is administered by Pearson VUE. The exam fee is $29-35, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with Pearson VUE →Complete Fingerprinting
Not required
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $100. Processing typically takes 5-10 business days.
Apply for Your Missouri License →Get Appointed and Start Selling
Once your Missouri insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Missouri Department of Commerce and Insurance. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Missouri Fingerprinting Requirements
Not required
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Missouri CE Renewal Requirements
To keep your Missouri insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Missouri licenses expire on the last day of your birth month every 2 years
Renewal Deadline
$39
CE Package Price
DCI
Regulatory Body
Missouri Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Missouri.
Insurance Code
Missouri Revised Statutes, Title XXIV – Insurance (Chapters 374–385)View Statute
Prelicensing Education
N/A — not required
Examination Requirements
Mo. Rev. Stat. 375.016
Age Requirements
RSMo § 375.015(1)(1)
Background Check
RSMo Sec. 375.141(1)(6)
Fingerprinting
N/A — not required
License Application
Mo. Rev. Stat. § 375.015(1)
CE Requirements
Mo. Rev. Stat. 375.020
CE Ethics
RSMo §375.020; 20 CSR 700-3.200
Administrative Code
Title 20 - Department of Commerce and InsuranceView Statute
Provider Regulation
Missouri Revised Statutes §375.029 and 20 CSR 700-3.200
Missouri Insurance License Requirements — FAQs
How long does it take to get a Missouri insurance license?
Most candidates complete the Missouri insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Missouri?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Missouri?
Not required
Can I transfer my insurance license from another state to Missouri?
Reciprocal licensing is available for producers licensed in good standing in their home state. No exam, pre-licensing education, or CE is required.
How much does a Missouri insurance license cost?
The total cost to get your Missouri insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($29-35), the state application fee ($100), and the background check cost ($No separate fee). Individual costs vary based on the line of authority you choose.
What are the Missouri CE requirements?
Missouri requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is Missouri licenses expire on the last day of your birth month every 2 years. JustInsurance offers state-approved CE packages starting at $39.
Does Missouri require fingerprinting for an insurance license?
No. Missouri does not require fingerprinting as part of the insurance license application process. The state also does not require prelicensing education. To get your Missouri license, you need to pass the Pearson VUE exam and submit your application through NIPR. Missouri's streamlined process makes it an accessible entry point for new insurance producers in the Midwest.
What are the prelicensing hour requirements in Missouri?
Missouri requires None required (optional). Courses are available fully online through JustInsurance.
Ready to Get Your Missouri Insurance License?
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