How to Get a Property and Casualty License in Missouri

Written by: Mary Gerardine

Cartoon woman holding Missouri property and casualty license

    Getting your Missouri property and casualty license is the first step toward becoming a P&C insurance agent in Missouri.

    The Missouri Department of Insurance requires you to complete a four-step process to obtain your property & casualty license – from taking the P&C insurance exam to applying for a P&C 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 Property and Casualty Insurance License

    1. Complete a Missouri Pre-License Education Course (ExamFX – $189+)
    2. Take the Missouri Licensing Exam (Pearson VUE – $35)
    3. Complete a Missouri License Application (National Insurance Producer Registry (NIPR) – $100 application fee + $5.60 transaction fee)
    4. Watch for Your Application Results

     

    Steps to Get a Missouri Property and Casualty Insurance License

    Obtaining your Missouri P&C license is easy. Just follow these four simple steps to start your journey toward becoming a property and casualty insurance agent. Once you earn this license, check out our guide on how to get your Missouri life insurance license as well.

     

    Step 1: Complete a Missouri Pre-License Education Course

    Before you take the Missouri P&C 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. Pre-license education courses are self-paced and include study materials like practice exams and flashcards. Others purchase books or self-study materials to prepare themselves for the exam.

    A pre-license education course provides very specific industry knowledge that insurance professionals will encounter during the exam. There are very few questions on this test that you can answer with “common sense” information.

    You can complete insurance licensing courses on your own schedule and at your own pace when you choose online courses. Taking a pre-license education course will also give you a solid understanding of your duties as a P&C insurance agent.

    Recommended Course

    For Missouri insurance pre-license education courses and exam prep, StateRequirement recommends: ExamFX


    For 10% off, use code examfx@staterequirement.com at checkout!

     

    Step 2: Take the Missouri Licensing Exam

    After you complete a pre-licensing education course and/or your own independent study, it’s time to take the Missouri P&C license exam.

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

    The Missouri P&C insurance exam:

    • Includes a total of 140 scored questions that cover two sections: general and state-specific knowledge. The general section deals with basic property and casualty insurance product knowledge. The state-specific section covers P&C insurance concepts and terms, rules, regulations, and practices specific to Missouri.
    • Gives you 180 minutes to complete the test. The exam is a proctored test, meaning an official proctor will closely monitor you in a controlled environment.
    • Costs $35, a fee you must pay at the time of reservation by credit card, debit card, or voucher.

     

    Passing the Missouri P&C license exam can prove challenging, but taking an exam prep course and following a good study program can help prepare you to pass on your first attempt.

    If you happen to fail the Missouri P&C insurance exam, you must wait one day before scheduling your reexamination.

    Tip:

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

     

    Step 3: Complete a Missouri License Application

    Once you pass the P&C insurance exam, you can apply for your P&C insurance license.

    In Missouri, you must apply online via the NIPRThe application fee is $100 and the transaction fee is $5.60.

    The Missouri Department of Insurance will issue a P&C 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.

    To apply for a P&C 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.

    If you have any questions or need to forward supporting documents related to your license application, send them to licensing@insurance.mo.gov.

     

    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 verify the issuance of your license, go to the National Association of Insurance Commissioners (NAIC) State-Based Systems (SBS) Missouri Lookup tool.

     

    Congratulations!

    You’re now ready to get started as a P&C insurance agent in Missouri.




    Next Steps After Securing Your Missouri Property and Casualty Insurance License

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

     

    Get a Job in the Insurance Field

    Once you hold a P&C license, you can consider several different insurance-related careers. The P&C license gives you authorization within your state to sell P&C insurance policies and related products that’ll provide financial protection to your clients against loss or damage.

    You can find P&C 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) courses for P&C lines of authority every two years to renew your P&C license. Missouri CE requirements state that three of those 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.

    The Missouri Department of Insurance will send you a renewal notice 60 to 90 days before your license expires. Renew your Missouri P&C insurance license online via the NIPRThe renewal fee is $100 and the late fee is $25.

    For more detailed information, check out how to renew your license with our Missouri insurance license renewal guide.




    Missouri Department of Insurance Contact Information

    Mailing Address:

    P.O. Box 690
    Jefferson City, MO 65102-0690

    Phone: (573) 751-3518

    Email: licensing@insurance.mo.gov

    Website: https://insurance.mo.gov/

    License Search: Missouri Insurance License Lookup




    Missouri Property and Casualty License FAQ

    How much does it cost to get a property and casualty insurance license in Missouri?

    The total cost of getting a property and casualty (P&C) insurance license in Missouri is at least $329.60, but can reach nearly $500 based on the type of pre-license education course you choose.

    The costs include:

    • Insurance Pre-license Education Course Fee: $189+ via ExamFX
    • Exam Fee: $35 via Pearson VUE
    • Application Fee: $100 application fee + $5.60 transaction fee via the NIPR

     

    How long does it take to process a property and casualty insurance license application in Missouri?

    This process typically takes five to 10 business days from the date you submit your application via the NIPR.

     

    Can I get a temporary property and casualty insurance agent license in Missouri?

    No. Missouri no longer issues temporary insurance licenses.

     

    Can I get an emergency property and casualty insurance agent license in Missouri? 

    No. An emergency license isn’t available for P&C insurance agents in Missouri.

     

    What can I sell with a property and casualty insurance license in Missouri?

    With a Missouri P&C license, you can sell insurance products like homeowners insurance, renters insurance, auto insurance, general liability insurance, and workers’ compensation policies.

     

    How much can you make with a property and casualty insurance license in Missouri?

    According to ZipRecruiter, P&C insurance agents earn an average salary of between $30,000 and $44,500+ per year. P&C insurance agents who sell homeowners and auto insurance also can earn a 5 percent to 20 percent commission based on policy premiums.

     

    What are the limitations of a Missouri property and casualty insurance license?

    Unless you have multiple licenses to sell various types of insurance products, having a Missouri P&C license only gives you the authority to negotiate and sell P&C insurance policies. You’ll need additional licenses to sell other types of insurance.

     

    Can I cancel my property and casualty license in Missouri?

    Yes. To cancel your license, you must submit a signed statement to the Missouri Department of Insurance that indicates you want to cancel or surrender your license. This statement must include your name and license number. Email your signed statement as an attachment to licensing@insurance.mo.gov or fax it to (573) 526-3416.

     

    How hard is it to get a property and casualty insurance license in Missouri?

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




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    Information on this page has been gathered by a multitude of sources and was most recently updated in July 2022.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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