Are you considering getting an insurance license in the state of Missouri? If you are, then you probably have a lot of questions about where to go, who to talk to and what to do. Fortunately, America’s Professor has pulled together all of our knowledge and resources to create one comprehensive site with the answers you require. Below you will find sample questions, basics of test format and scoring, pricing, testing locations, how to fully prepare yourself for the exam and more!
We’re here to help you succeed and that means providing you with the best information available. Our courses offer preparation for all types of state insurance licensing exams and they are available to you at the click of a mouse. Read on and enroll today!
All of the Missouri insurance exam questions are multiple choice. There are no fill-ins (no need to memorize) and no essay (no need to be ready to explain anything) questions.
A multiple choice test will usually test heavily on definitions (terminology) and numbers (dollar amounts and number of days).
The exam is drawn from a large pool of questions – you will have a different set of questions than the person sitting next to you. If you retake the exam, expect to see very few of the questions repeated on the next exam. Students report that the exams vary greatly in terms of the number of questions on any given topic.
Students report that about 1/3 of the questions are terminology (definitional) questions, 1/3 are number/day questions, and 1/3 are questions where you have to apply the knowledge to reason through a practical situation (story problems – usually short).
There are 4 basic exams given in most states – Life, Health, Property, and Casualty. In some states, the exams are combined (Property & Casualty). Some states have a Personal Lines exam for agents selling only homeowner or auto insurance.
In Missouri, you need a score of 70 to pass each exam. But, each exam consists of two parts – the “national” insurance section and the “state rules” section. You will need a score of 70 on each section – the two scores are not averaged together. In Missouri, you can pass one section (say, the national), fail the other section, and then be required to retake only the failed section. Some states require a retake of both sections.
Our students always want to know if the questions regarding indemnification (for example) are grouped together. No, questions and topics are randomly scrambled, but that never seems to be a problem for anyone.
The cost is $29-$35 for an examination. You may take up to two exams for that fee (Life + Accident and Health or Property + Casualty). A retake of any portion is the same fee.
The Missouri Property and Casualty exam has 170 questions. The break down is 100 scoreable + 20 pretest questions on national/general content and 40 scoreable + 10 pretest questions on Missouri state specific content.
The Missouri Property Only exam has 110 questions. The break down is 50 scoreable + 10 pretest questions on national/general content and 40 scoreable + 10 pretest questions on Missouri state specific content.
The Missouri Casualty Only exam has 110 questions. The break down is 50 scoreable + 10 pretest questions on national/general content and 40 scoreable + 10 pretest questions on Missouri state specific content.
The Missouri Life, Accident and Health exam has 170 questions. The break down is 100 scoreable + 20 pretest questions on national/general content and 45 scoreable + 5 pretest questions on Missouri state specific content.
The Missouri Life Only exam has 110 questions. The break down is 50 scoreable + 10 pretest questions on national/general content and 40 scoreable + 10 pretest questions on Missouri state specific content.
The Missouri Accident and Health Only exam has 110 questions. The break down is 50 scoreable + 10 pretest questions on national/general content and 40 scoreable + 10 pretest questions on Missouri state specific content.
The Missouri Personal Lines exam has 136 questions. The break down is 75 scoreable + 11 pretest questions on national/general content and 40 scoreable + 10 pretest questions on Missouri state specific content.
Pretest questions do not count towards your score. You will not know what questions are real or pre-test questions when taking your exam. It’s very possible the pre-test questions will not even be covered in the Test Content Outline. It’s very important to know that these pre-test questions will be in your exam so you don’t start second guessing yourself when you see a question that you have no idea how to answer (make your best guess and stay calm!).
We recommend that you call Pearson VUE (the testing company) at 1-866-274-4740. Be sure to call at least 3 days in advance of the date you plan to take the exam. The earlier you sign up, the better your chances of getting the test date of your choice.
Each insurance licensing exam presents its own challenge. Between Life and Health, students say that the Missouri Health insurance exam is the more difficult. Health insurance policies are simply more complicated than life insurance policies.
The Property insurance exam is easier than the Casualty insurance exam. Property insurance deals with easy to understand issues – fire, flooding, earthquake, etc. On the other hand, Casualty insurance deals primarily with Liability insurance – protection against lawsuits. Casualty insurance is a more conceptual topic and one that is more difficult for students to grasp – particularly if you have never been sued.
The state portion of the Missouri insurance exam is very detailed and presents its own challenges. The state topics tend to cover trivial details relating to complicated state regulations. None of this is easy, but that is why we work so hard to make the material both understandable and memorable.
This is a challenging exam. Put yourself on a strict schedule as you do your exam prep work. Be focused and disciplined as you do your insurance test prep.
Yes. We have never had students say that they ran out of time to complete the exam. Most students finish in about half of the allotted time (up to 3 hours). The only students who ever report that they ran out of time were those who were trying to memorize questions in the event they had to repeat the exam.
No, this is a computerized exam with the option to take online via OnVUE or at a testing facility (mentioned above). Virtually all of the physical classroom students say the proctors were helpful, the room was quiet, and the computer worked well. The proctors will give you the opportunity to complete a practice exam to learn how to use the system. When you are done, you will NOT be given a copy of the exam, nor will you be given the opportunity to review particular questions and their answers. The exam will be scored immediately and you will know your results when you leave.
For student students taking the exam online through Pearson VUE’s OnVUE be sure to verify your location/resources will work (Quiet, private location. Reliable device with webcam. Strong internet connection, etc.).
There is no alternative to knowing the material. There are no shortcuts to learning but there are more effective and less frustrating ways to learn. We recommend that you follow a 4-step process:
- watch and listen to the lecture;
- highlight key concepts in the text;
- review questions in the test bank; and
- send AP an email if you have any questions.
|Missouri Online Video Courses||Missouri Sample Questions|
- Missouri Insurance Department: https://insurance.mo.gov/
- Missouri Insurance Department – Resident Agent/Producer Exam Info: http://insurance.mo.gov/agents/resident/res_agent_exam.php
- Missouri Candidate Handbook & Content Outlines: http://www.pearsonvue.com/mo/insurance/
- NAIC Website: https://content.naic.org/
- America’s Professor Insurance Licensing Courses for Missouri: https://americasprofessor.com/course_cat/missouri-insurance-exam-prep-courses/