How to Get a Life Insurance License in Missouri

Written by: Mary Gerardine

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How to Get a Life Insurance License in Missouri

Getting your Missouri life insurance license is the first step toward becoming a life insurance agent in the state.

The Missouri Department of Insurance requires you to complete a four-step process to become a life insurance agent in Missouri — from taking the life insurance exam to applying for a license.

These steps will take a few weeks to complete so we recommend you bookmark this page so you can use it as a reference throughout the process.

How to Get Your Missouri Life Insurance License

  1. Complete a Missouri Insurance Pre-license Course (Kaplan Education Company – $149+)
  2. Take the Missouri Life Insurance Licensing Exam (Pearson VUE – $29)
  3. Complete a Missouri Life Insurance License Application (National Insurance Producer Registry (NIPR) – $100 application fee + $5.60 transaction fee)
  4. Watch for Your Application Results

Life Insurance License Missouri

Obtaining your Missouri life insurance license isn’t difficult. Just follow these four steps to start your journey toward becoming a life insurance agent. Once you earn this license, check out our guide on how to get your Missouri property and casualty (P&C) license as well.

Step 1: Complete a Missouri Insurance Pre-license Course

Before you take the Missouri life insurance licensing exam, it’s important to make time to acquire the knowledge you’ll need to pass this exam on your first attempt. Completing a pre-license education course will equip you with the necessary information and tools you’ll need to prepare for your exam.

While Missouri doesn’t have any formal pre-license education requirements, most insurance professionals opt to take a pre-license education course online. Others purchase books or self-study materials to prepare themselves for the exam.

A pre-license education course provides very specific industry knowledge that will be tested during the exam. There is very little information on the test that could be considered “common sense.” Pre-license education courses are self-paced and include study materials like practice exams and flashcards.

Beyond helping you effectively prepare for and pass the life insurance licensing exam on your first try, taking a pre-license education course also will give you a solid understanding of your duties as a life insurance agent.


Doing a pre-licensing education course dramatically increases your chance of passing your exam on your first attempt, which can end up saving you both time and money in the long run. For pre-licensing education, StateRequirement recommends:

4.7 out of 5 starsKaplan Education Company

Step 2: Take the Missouri Life Insurance Licensing Exam

After you complete a prep course and your own independent studying, it’s time to take the Missouri life insurance exam.

Missouri uses Pearson VUE as its official testing service for delivering licensure exams.

The Missouri life insurance exam outline contains a total of 90 scored questions that cover two sections: general and state-specific knowledge. The general section deals with basic life insurance product knowledge. The state-specific section covers insurance concepts and terms, rules, regulations, and practices specific to Missouri.

You’ll have 120 minutes to complete the examThe Missouri life insurance exam fee is $29, which you must pay at the time of reservation by credit card, debit card, or voucher. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.

If you happen to fail the Missouri life insurance exam, you can schedule a time to retake it as soon as 24 hours after your first attempt.


Check out our in-depth insurance exam guide for tips to help you pass on the first attempt.

The best way to understand if you are prepared for the test is to take a Life Insurance Practice Exam.

Step 3: Complete a Missouri Life Insurance License Application

Once you pass the life insurance exam, you can apply for your Missouri life insurance license. The application fee is $100 plus a $5.60 transaction fee. You must apply online via the NIPR.

The Missouri Department of Insurance will issue a life insurance license to individuals who are at least 18 years old and have passed the proper licensing exam. You should submit your completed license application within 12 months of passing the exam. But, you must wait 24 to 48 hours after passing the exam to fill out the application. 

To apply for a life insurance license in Missouri, make sure you comply with the insurance licensing requirements as defined under the Missouri Insurance Code and the Missouri Administrative Code.

Send any questions or supporting documents to

Step 4: Watch for Your Application Results

After you complete the previous three steps, the Missouri Department of Insurance will review your application. It reviews applications in the order it receives them, and this process usually takes five to 10 business days from the date you submit your application.

You can print your license from the NIPR website. There’s no charge to create an account or print a license. To check and verify the issuance of your license, go to the National Association of Insurance Commissioners (NAIC) State-Based Systems Missouri Lookup tool.


You’re now ready to get started as a life insurance agent in Missouri.

Next Steps After Securing Your Missouri Life Insurance License

Once you complete the above steps and have your Missouri life insurance license, here’s what you should pursue next.

Get Your FINRA Securities Licenses


Individuals planning to market and sell market-based life insurance products also must obtain the proper securities licenses. As a securities license holder, you can offer securities as part of your services. That’ll make you a credible authority in addressing all of your clients’ financial needs.

To learn more, check out our Securities Licensing guide.

SIE Exam

To obtain these licenses, you’ll first need to take and pass the Securities Industry Essentials (SIE) exam. Professionals in the securities industry are required to take the SIE and a series of examinations administered by the Financial Industry Regulatory Authority (FINRA)

The SIE exam ensures every life insurance professional has a basic understanding of securities. While taking the SIE exam isn’t a requirement for all insurance professionals, those who don’t obtain at least one securities license limit their ability to work with clients. With a securities license, you can give your clients the option to invest in securities-related products as part of their life insurance plans.


To help you start preparing for the SIE exam, check out our full guide on How to Pass the SIE Exam.

Obtaining a license to sell securities also requires sponsorship from a firm, company, or organization regulated by FINRA. The sponsor will pay the testing fees required for your SIE exams and submit your personal information to FINRA’s Central Registration Depository (CRD). The Series 6 and Series 7 licenses require a FINRA exam sponsorship before you can take the exam. The exam for a Series 63 license doesn’t require any sponsoring entity. 

Once you get your securities license(s), FINRA will list you as a “registered representative.” By achieving the securities licensee designation, you’ll become a highly sought-after professional and set yourself up for a successful career in the insurance industry.

Series 6, 7, and 63 Licenses

Some of the most common securities licenses for insurance agents include the Series 6, 7, and 63 licenses because they allow licensees to sell almost every type of individual security.

The Series 6 (Investment Company and Variable Contracts Products Representative) Securities License is the primary license sought by insurance sales professionals and financial advisors, allowing them to sell grouped securities related to insurance products. 

Series 6 works together with Series 63 because they are the two partner licenses required to sell insurance policies tied to investments. The North American Securities Administrators Association (NASAA) oversees regulation of the Series 63 (Uniform Securities Agent State Law) license.

The Series 7 license allows you to buy and sell securities (e.g., stocks, bonds, and mutual funds) as part of an investment plan for your clients. To get a Series 7 license, you will first need to register as a new candidate with FINRA and pass the Series 7 exam. The Series 7 exam is commonly known as the General Securities Representative Qualification Exam, but is sometimes referred to as the “Series 7 Top-Off Exam.”

Get a Job in the Insurance Field

Once you earn your license, you can start applying for jobs in the insurance field. With a life insurance license, you can provide advice and recommend insurance products to clients, sell life insurance policies that pay a beneficiary upon an insured person’s death, and sell annuities that pay a set income at retirement.

Find life insurance job postings on our Insurance Jobs Board.

When applying for an insurance-related job, potential employers will request your license number and National Producer Number (NPN).

Complete Continuing Education and Renew Your License

In Missouri, you must take 16 hours of continuing education (CE) for a life line of authority every two years to maintain your license in good standing. Three of those 16 hours must focus on ethics.

If you have a non-resident license with good standing in your home state, you don’t need to take CE courses in Missouri.

You can’t renew your license until you complete your CE hours and pay any outstanding fines.

In Missouri, you also must renew and manage your life insurance license every two years. The Missouri Department of Insurance will send you a renewal notice 60 to 90 days before your license expires. Renew your Missouri life insurance license online via the NIPRThe renewal fee is $100 and the late fee is $25.

Learn how to renew your license with our Missouri insurance license renewal guide.

Missouri Department of Insurance Contact Information

Mailing Address

Missouri Department of Insurance
P.O. Box 690
Jefferson City, MO 65102-0690

Phone: (573) 751-3518



License Search: Missouri Insurance License Lookup

Missouri Life Insurance License FAQ

How much does it cost to get a life insurance license in Missouri?

Obtaining a life insurance license in Missouri requires these fees: 
Insurance Pre-license Education Course Fee: $149+ via Kaplan Education Company
Exam Fee: $29 via Pearson VUE 
Application Fee: $100 application fee + $5.60 transaction fee via the NIPR

How long does it take to process a life insurance license application in Missouri?

This process typically takes five to ten business days from the date you submit your application to the Missouri Department of Insurance.

Can I get a temporary life insurance agent license in Missouri?

No. Missouri no longer issues temporary insurance licenses.

Can I get an emergency life insurance agent license in Missouri?

No. An emergency license isn’t available for life insurance agents in Missouri.

Do I need to get my securities license on top of a life insurance license in Missouri?

Probably. While you can sell certain basic life insurance products with just a life insurance license, a securities license removes the limits on what you can sell and puts you in a much better career position. As a securities license holder, you can provide your clients with products tied to the securities market as part of their retirement and life insurance plans. But, you’ll need FINRA accreditation to obtain your securities license.

What can I sell with a life insurance license in Missouri?

With a Missouri life insurance license, you can sell life insurance policies that pay a designated beneficiary when the insured person dies. You also can sell annuities that pay a set income at retirement.

How much can you make with a life insurance license in Missouri?

According to ZipRecruiter, life insurance agents earn an average of $79,730 per year.

What are the limitations of a Missouri life insurance license?

Unless you have multiple licenses to sell various types of insurance products (e.g., the combined life and health insurance license), having a Missouri life insurance license only qualifies you to sell life insurance policies as well as retirement plans and annuities. You can’t sell other types of insurance. A securities license on top of your life insurance license removes that limitation and enables you to offer securities, including stocks and bonds.

Can I cancel my life insurance license in Missouri?

Yes. To cancel your license, you must submit a signed statement to the Missouri Department of Insurance that notes you’ll cancel or surrender your license. This statement must include your name and license number. Email your signed statement as an attachment to or fax it to (573) 526-3416.

How hard is it to get a life insurance license in Missouri?

The process is quite simple! Follow the steps above and get started today!

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