What to Expect on the Missouri Insurance Exam

How Is the Missouri Insurance Exam Set Up?

The Missouri DCIInsurance.mo.gov licenses producers, and Pearson VUE develops and delivers the exams. The Missouri candidate handbookDam VUE Vue En Documents Publications 122600.pdf Content lets you register to test online or at a Pearson VUE test center, with reservations made at least 24 hours ahead. If you need testing accommodations, you'll test at a physical center.

• Life, Accident and Health, Property, or Casualty alone: 50 scored general questions and 40 scored Missouri questions, with 2 hours to finish.
• Personal Lines: 75 scored general questions and 40 scored Missouri questions, with 2.5 hours.
• Life and Accident and Health combined: both lines' general topics plus 45 scored Missouri questions, with 3 hours.
• Property and Casualty combined: both lines' general topics plus 40 scored Missouri questions, with 3 hours.

Each section also mixes in unscored pretest questions that look exactly like the real ones. The current Missouri content outlinesDam VUE Vue En Documents Publications 122601.pdf Content list every topic.

What Will the Missouri Law Questions Ask?

Part of the Missouri section is the same on every exam. It covers the Director of Commerce and Insurance's powers, licensing and continuing education rules, marketing practices like rebating and misrepresentation, fiduciary duties, commissions, and the Missouri Insurance Guaranty Association.

Then each line adds its own rules. Life candidates get replacement rules and Missouri policy provisions such as the suicide exclusion. Accident and Health brings required provisions, mandated coverages, and Medicare supplement rules. Property covers the Missouri FAIR Plan, binders, and cancellation rules, and Casualty covers financial responsibility, uninsured motorist rules, claim settlement practices, and workers compensation.

That's a heavier state load than most states carry. Massachusetts puts 30 of 80 scored questions on state law, and North Carolina's examPre License How Hard Is The North Carolina Insurance Exam And How Should You Prepare Resources puts 14 of 55. The Massachusetts examPre License What To Expect On The Massachusetts Insurance Exam Resources also tests every line separately, while Missouri lets you combine two.

How Should You Split Your Study Time?

About half and half, because that's roughly how the score splits. In the first two weeks, pair every product chapter with the Missouri rules attached to it, so homeowners comes with the FAIR Plan and cancellation rules. Keep a one page sheet of every Missouri deadline and requirement you meet, and read it daily.

In week three, start full timed practice exams and score the Missouri section on its own. You're ready to book when your Missouri score keeps pace with your general score. The cost is a slower start, since state rules feel dry before you know the products they regulate. It still beats learning nearly half the exam in the last few days.

Personal Lines candidates can lean a little more on product knowledge, since Missouri law there is 40 of 115 scored questions. If you're still deciding on a line, read about your first licensePre License Which Insurance License Should I Start With Resources options, and our study routine guidePre License How To Study Insurance Licensing Exam Resources has daily plans that fit around work.

What Score Do You Need, and What If You Miss It?

You need a scaled score of 70. The handbook says your score is neither the number nor the percentage of questions you answered correctly, because scaling adjusts for small differences between versions of the exam. If you don't pass, you can schedule a retake after waiting one day. Our breakdown of the Missouri passing scorePre License What Score Do I Need To Pass The Missouri Insurance Exam Resources goes deeper.