25 Free Missouri Life & Health Exam Practice Questions (2026)

25 min read|Updated 2026-10-18

How to Use This Missouri Question Set

Missouri gives Life & Health candidates a choice: sit two separate single-line exams, the Life Insurance Producer exam and the Accident and Health Insurance Producer exam, or sit one combined exam, the Life, Accident and Health Insurance Producer exam, covering both lines in a single sitting. Each single-line exam delivers 90 scored questions plus 10 unscored pretest questions, in 2 hours, for $32 per attempt. The combined exam runs 3 hours for $40 per attempt. Passing any version takes a scaled score of 70 on a 0-100 scale, set by the Missouri Department of Commerce and Insurance together with Pearson VUE — not a raw count or a plain percentage of questions answered correctly. Every version is delivered only at a physical Pearson VUE test center, and Missouri does not require a pre-licensing course before you can sit either exam.

Pearson VUE's content outline splits the Life Insurance Producer exam's 90 scored items into Types of Policies (15), Life Provisions, Riders, Options, and Exclusions (15), Completing the Application, Underwriting, and Delivering the Policies (12), and Retirement and Other Insurance Concepts (8) — 50 general-knowledge items — plus 40 Missouri-specific items split evenly between law common to all lines and law pertinent to life insurance only. The Accident and Health Insurance Producer exam splits its own 90 scored items into Types of Policies (16), Policy Provisions, Clauses, and Riders (15), Social Insurance (6), Other Insurance Concepts (5), and Field Underwriting Procedures (8) — the same 50-item general-knowledge total — plus the same 40-item Missouri-specific split. The combined exam reweights this same life and accident and health material across nine general-knowledge sections, plus a Missouri-specific portion of its own, split across law common to all lines, law pertinent to life insurance, and law pertinent to accident and health insurance, rather than testing anything new.

These 25 questions come from LanePrep's Missouri Life, Accident & Health quiz bank and sample across all three exam versions, in roughly outline-weighted proportion: 3 from Chapter 1 (life types of policies), 3 from Chapter 2 (life provisions, riders, options and exclusions), 4 from Chapter 3 (life application, underwriting, delivery and retirement concepts), 3 from Chapter 4 (accident and health types of policies), 3 from Chapter 5 (accident and health provisions and social insurance), 3 from Chapter 6 (accident and health other concepts, field underwriting and Missouri accident and health law), 4 from Chapter 7 (Missouri laws common to all lines, tested on every exam version), and 2 from Chapter 8 (Missouri life law). Each question shows its chapter, so a miss tells you exactly which chapter to go back to. For more depth once you have scored yourself here, the Life Insurance Producer exam and the Accident and Health Insurance Producer exam each have their own dedicated question set below.

Work them before you read the answer. Every question has the explanation folded underneath it. Guessing and then reading is worth more than reading and then agreeing.

Practice Questions 1-6: Life Policy Types and Provisions

Chapters 1 and 2 open the Life Insurance Producer exam's general-knowledge sections: the types of policies available, and the provisions that govern a policy once it is issued. These six move through three whole life variations built around different payment patterns — paid for life, paid up by a target age, and paid in a single lump sum — then the Free Look provision, what Reinstatement does and does not require, and how the Misstatement of Age provision adjusts a death benefit rather than voiding a claim.

Question 1 (Chapter 1)

A 35-year-old Missouri resident, Mark, wants to purchase a life insurance policy that offers guaranteed level premiums, a guaranteed death benefit, and cash value accumulation that he can access later in life. He intends to pay premiums for his entire life. Which of the following policy types best fits Mark's needs?

A) 20-Pay Life
B) Universal Life
C) Decreasing Term
D) Ordinary Whole Life

Show answer & explanation

Answer: D

Ordinary Whole Life, also known as Straight Life, provides lifetime coverage with level premiums, a guaranteed death benefit, and guaranteed cash value growth, exactly as Mark desires. '20-Pay Life' is a limited-pay whole life policy where premiums are paid for a specific period, not for the entire life. Universal Life offers flexible premiums and adjustable death benefits, which are not 'guaranteed level' in the same way. Decreasing Term is temporary coverage with a decreasing death benefit and no cash value.

Question 2 (Chapter 1)

Sarah, a 40-year-old professional in Missouri, wants to purchase a life insurance policy that will be fully paid up by the time she retires at age 65. She still wants lifetime coverage with a guaranteed death benefit and cash value. Which type of policy should her agent recommend?

A) Term Life
B) Single-Premium Whole Life
C) Variable Universal Life
D) Limited-Pay Whole Life

Show answer & explanation

Answer: D

Limited-Pay Whole Life policies require premiums for a specified period (e.g., 20 years, or 'paid-up at 65'), after which no further premiums are due, but the coverage remains in force for the insured's entire life. Single-Premium Whole Life would require a single lump-sum payment upfront, which isn't what Sarah described. Term Life provides temporary coverage and no cash value. Variable Universal Life has flexible premiums and death benefits tied to market performance, not a fixed payment period ending at retirement with guaranteed values.

Question 3 (Chapter 1)

After receiving a substantial inheritance, David, a 50-year-old Missouri resident, wishes to purchase a life insurance policy that requires only one payment and provides immediate cash value accumulation, along with guaranteed lifetime coverage. What type of policy would be most suitable for David?

A) Annually Renewable Term
B) Universal Life
C) Interest-Sensitive Whole Life
D) Single-Premium Whole Life

Show answer & explanation

Answer: D

Single-Premium Whole Life policies are designed for a single, large upfront payment, providing immediate cash value and guaranteed lifetime coverage. Annually Renewable Term is temporary coverage with no cash value. Universal Life and Interest-Sensitive Whole Life typically involve ongoing premium payments (though flexible for UL) and do not fit the 'one payment' requirement for immediate full funding.

Question 4 (Chapter 2)

An insured receives a life insurance policy on May 1st. After reviewing the terms, the insured decides on May 8th that the policy does not meet their needs and returns it to the insurer. Which provision guarantees the insured a full refund of all premiums paid?

A) The Consideration Clause
B) The Insuring Clause
C) The Free Look Provision
D) The Grace Period Provision

Show answer & explanation

Answer: C

In Missouri, the Free Look provision allows the policyowner to return the policy for any reason within the period stated in the policy for a full refund of premiums. The Insuring Clause describes the scope of coverage, and the Consideration Clause outlines the exchange of value (premium for the promise to pay).

Question 5 (Chapter 2)

A policyowner’s life insurance policy lapsed two years ago due to nonpayment of premium. The owner now wishes to restore the original coverage. Under the Reinstatement provision, which of the following is NOT typically required?

A) Payment of all back premiums plus interest
B) Evidence of insurability
C) Repayment of any outstanding policy loans plus interest
D) Payment of a reinstatement penalty fee to the Missouri DCI

Show answer & explanation

Answer: D

Reinstatement requires the insured to provide proof of insurability, pay back premiums plus interest, and repay loans. There is no requirement to pay a penalty fee to the Department of Commerce and Insurance (DCI) for reinstating a private contract.

Question 6 (Chapter 2)

During the application process, James accidentally stated his age as 32 when he was actually 37. James dies five years later. How will the insurer handle the death claim according to the Misstatement of Age provision?

A) The claim will be denied because of material misrepresentation.
B) The insurer will pay the full face amount but deduct the premium difference.
C) The claim must be paid in full because the policy is past the two-year incontestability period.
D) The insurer will adjust the death benefit to what the premium paid would have purchased at the correct age.

Show answer & explanation

Answer: D

The Misstatement of Age or Gender provision is an exception to the Incontestability Clause. If age is misstated, the insurer adjusts the benefits to match what the premium would have bought at the correct age. It does not void the policy.

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Practice Questions 7-13: Completing the Life Application and Accident & Health Policy Types

Chapter 3 covers the mechanics of putting a life application in force: whose signatures are required, how to correct an error on the form, what an insurer gives up by issuing a policy over a blank section, and when coverage actually begins under a conditional receipt. Chapter 4 opens the accident and health side with policy types that pay differently depending on how an elimination period, a dismemberment or a referral requirement is defined. These seven move through all of it, including a disability income benefit calculation and an AD&D principal-sum-versus-capital-sum payout.

Question 7 (Chapter 3)

An individual applies for a life insurance policy on their spouse. Which of the following sets of signatures is required by the insurer to process the application in Missouri?

A) The applicant and the producer only.
B) The applicant, the proposed insured, and the producer.
C) The proposed insured and the producer only.
D) The applicant and the beneficiary only.

Show answer & explanation

Answer: B

In a third-party ownership scenario (like a spouse applying for a policy on another spouse), the application requires the signatures of the applicant (owner), the proposed insured (consenting to the coverage), and the producer (witnessing the transaction). The beneficiary is not required to sign.

Question 8 (Chapter 3)

During the application process, a Missouri producer realizes the applicant's date of birth was recorded incorrectly. To correct this error, the producer should:

A) Use white-out to fix the error and write the correct date over it.
B) Sign the producer's name next to the correction to verify its accuracy.
C) Verbally notify the home office underwriters of the change during the phone interview.
D) Have the applicant initial the change after the producer corrects the error.

Show answer & explanation

Answer: D

Any changes made to an insurance application must be initialed by the applicant. This protects the producer from accusations of altering the contract without the applicant's knowledge. White-out is never permitted on legal insurance documents.

Question 9 (Chapter 3)

An insurer issues a life insurance policy in Missouri despite the fact that the applicant left the 'Medical History' section entirely blank. If the insured dies shortly after, the insurer:

A) Can deny the claim because the application was legally void from the start.
B) Can sue the producer for negligence but must pay the claim.
C) Must refund all premiums and cancel the policy retroactively.
D) Will be held to have waived its right to that information by issuing the policy.

Show answer & explanation

Answer: D

If an insurer accepts an incomplete application and issues a policy, they waive the right to contest the policy based on the missing information. This is a standard principle of contract law (Waiver and Estoppel).

Question 10 (Chapter 3)

A Missouri applicant pays the initial premium and receives a Conditional Receipt on May 1st. The medical exam is completed on May 5th. The insurer approves the application as a standard risk on May 15th and delivers the policy on May 20th. When did coverage begin?

A) May 1st
B) May 15th
C) May 20th
D) May 5th

Show answer & explanation

Answer: D

Under a Conditional Receipt, coverage begins on the date of the application or the date of the medical exam, whichever is later, provided the applicant is found insurable at the risk class applied for. Since the exam was on May 5th, that is the effective date.

Question 11 (Chapter 4)

A software engineer in St. Louis earns $8,000 per month and purchases a Disability Income policy with a 60% benefit level and a 90-day elimination period. If he is totally disabled for six months due to a covered accident, how much will the policy pay in total benefits?

A) $28,800
B) $9,600
C) $24,000
D) $14,400

Show answer & explanation

Answer: D

The monthly benefit is 60% of $8,000, which is $4,800. The elimination period is a 'time deductible' of 90 days (3 months). Since the disability lasted 6 months, the policy pays for 3 months (6 months total - 3 months elimination). $4,800 x 3 = $14,400.

Question 12 (Chapter 4)

An insured has an Accidental Death and Dismemberment (AD&D) policy with a principal sum of $50,000. While working on a project in Kansas City, the insured suffers an accidental injury resulting in the loss of one foot. What is the most likely benefit amount the insured will receive?

A) $50,000 (The Principal Sum)
B) $0, because the insured did not die
C) $50,000 plus medical expenses
D) $25,000 (The Capital Sum)

Show answer & explanation

Answer: D

In AD&D policies, the principal sum is paid for accidental death or the loss of two primary parts (eyes, limbs). The capital sum, usually 50% of the principal sum, is paid for the loss of a single primary part, such as one foot.

Question 13 (Chapter 4)

A Missouri resident is a member of a Health Maintenance Organization (HMO). She wishes to see a specialist regarding a chronic skin condition. Under the typical HMO structure, what is the first step she must take?

A) Contact the Missouri DCI for a specialist list
B) Schedule an appointment directly with any in-network dermatologist
C) Pay the full specialist fee and submit a claim for reimbursement
D) Obtain a referral from her Primary Care Physician (PCP)

Show answer & explanation

Answer: D

HMOs generally utilize a 'gatekeeper' system where the Primary Care Physician (PCP) manages the member's care and must provide a referral before the member can see a specialist.

Practice Questions 14-19: Accident & Health Provisions and Other Concepts

Chapter 5 tests the arithmetic behind accident and health provisions — elimination periods, deductibles and coinsurance — alongside the mandatory provision limiting how long an insurer can contest a policy over an application misstatement. Chapter 6 moves into out-of-network billing, a newborn's automatic coverage window, and how a residual disability benefit differs from a total one. These six move through all of it.

Question 14 (Chapter 5)

A Missouri resident with an individual accident and health policy is hospitalized for 10 days. The policy has a $200 per day hospital indemnity benefit and a 30-day elimination period. How much will the insurer pay for this hospitalization?

A) $200
B) $0
C) $2,000
D) $2,200

Show answer & explanation

Answer: B

The elimination period (also called a waiting period) is the time that must pass after the onset of disability before benefits begin. Since the hospitalization lasted only 10 days and the elimination period is 30 days, no benefits are payable. Therefore, the insurer pays $0. Options A, B, and C incorrectly assume benefits are paid from day one or miscalculate the benefit period.

Question 15 (Chapter 5)

Under a Missouri accident and health policy with a coinsurance clause requiring the insured to pay 20% of covered expenses after the deductible, the insured incurs $5,000 in covered medical expenses. The policy has a $1,000 deductible. How much will the insurer pay?

A) $800
B) $1,000
C) $3,200
D) $4,000

Show answer & explanation

Answer: C

First, subtract the deductible: $5,000 - $1,000 = $4,000. Then apply coinsurance: the insurer pays 80% of the remaining $4,000 (since the insured pays 20%), which is $3,200. Option A is 20% of $4,000 (the insured's share). Option B is the deductible amount. Option D incorrectly assumes the insurer pays 80% of the total $5,000 without applying the deductible first.

Question 16 (Chapter 5)

A Missouri resident purchases an individual accident and health policy. The policy includes a Time Limit on Certain Defenses provision. After how many days from the policy's issue date can the insurer no longer deny a claim based on a misstatement in the application, unless the misstatement was fraudulent?

A) 30 days
B) 60 days
C) 1095 days
D) 730 days

Show answer & explanation

Answer: D

The Time Limit on Certain Defenses provision, a mandatory provision in Missouri accident and health policies, typically states that after two years (730 days) from the policy's issue date, the insurer cannot deny a claim or void the policy due to misstatements in the application, unless those misstatements were fraudulent. This protects the policyholder after the contestability period ends. Options A and B are too short, and D is too long (3 years).

Question 17 (Chapter 6)

A Missouri resident with an individual health insurance policy receives a bill for a covered service from an out-of-network provider. The provider bills the patient for the difference between the provider's charge and the amount paid by the insurance company. This practice is known as:

A) Coinsurance
B) Copayment
C) Balance billing
D) Deductible

Show answer & explanation

Answer: C

Balance billing occurs when a provider bills a patient for the difference between the provider's charged amount and the amount paid by the patient's insurance company, typically when the provider is out-of-network and has not agreed to the insurer's allowed amount. This differs from coinsurance (a percentage of the allowed cost paid by the patient), a copayment (a fixed fee paid at the time of service), and a deductible (the amount the insured pays before coverage begins). Missouri law does not universally prohibit balance billing, though protections exist in certain contexts (e.g., emergency services, in-network facilities with out-of-network providers), and producers must explain this risk when discussing out-of-network coverage.

Question 18 (Chapter 6)

Under Missouri law, which of the following statements is generally true regarding health insurance coverage for newborn children?

A) Coverage for a newborn child is available only if the insurer received and approved an application before the child was born.
B) Insurers may treat a newborn's congenital conditions as a pre-existing condition and exclude them from coverage.
C) A newly born child of the insured is automatically covered under the parent's policy from the moment of birth for an initial period, without requiring an additional application or premium for that period, but the policyholder must enroll the child to continue coverage beyond it.
D) Coverage for a newborn child is only available if the parents have a family plan; individual policies cannot cover dependents.

Show answer & explanation

Answer: C

Individual and group health policies generally include a newborn-coverage provision under which a child born to the insured is automatically covered from birth for an initial period without added premium or a formal application, but the policyholder must notify the insurer and enroll the child to continue coverage beyond that initial period. Congenital conditions are not treated as pre-existing conditions for purposes of denying newborn coverage. Option A is incorrect because a newborn cannot be applied for before birth. Option B is incorrect because congenital conditions are not excludable as pre-existing. Option D is incorrect because individual policies can include dependent coverage.

Question 19 (Chapter 6)

A Missouri resident purchases an individual disability income policy. The policy defines disability as the inability to perform the material and substantial duties of one's own occupation. After an injury, the insured can work in a different occupation but earns only 40% of their pre-disability income. Which type of disability benefit is most likely payable?

A) Total disability benefit
B) Partial disability benefit
C) Recurrent disability benefit
D) Residual disability benefit

Show answer & explanation

Answer: D

Residual disability benefits are paid when the insured can work but suffers a loss of income due to the disability, even if they can perform some or all duties of their occupation. Since the insured can work in a different occupation but has a 60% income loss, a residual disability benefit would apply. Total disability requires inability to work in any occupation. Partial disability typically refers to inability to perform some duties of one's own occupation (not a different occupation). Recurrent disability applies when the same disability returns within a specified period (e.g., 6 months) after a return to work.

Practice Questions 20-25: Missouri Law Common to All Lines and Missouri Life Law

Missouri law common to all lines, tested on every exam version, makes up the largest group here. These six move through the difference between defamation and other unfair trade practices, which statute lets Missouri certify a producer's license status to another state, a producer's fiduciary duty over premium funds, the consequence of missing an address-change notification, the statutory cap on a policy loan's interest rate, and the default rule that a life insurance policy is assignable unless the policy itself says otherwise.

Question 20 (Chapter 7)

A Missouri insurance producer receives a complaint from a client alleging that the producer made false statements about a competing insurer's financial condition to induce the client to switch policies. Under Missouri law, which specific violation does this allegation most directly constitute?

A) Rebating
B) Twisting
C) Defamation
D) Unfair discrimination

Show answer & explanation

Answer: C

Defamation under RSMo § 375.936 includes making false, malicious statements that are detrimental to the financial condition of an insurer or agent with intent to injure. Twisting (B) involves inducing a policyholder to drop an existing policy for a similar one through misrepresentation, not defaming a competitor. Rebating (A) is offering something of value not specified in the policy. Unfair discrimination (D) involves inequitable treatment of similar risks. The allegation targets a competitor's reputation, fitting defamation.

Question 21 (Chapter 7)

A Missouri resident applies for a nonresident insurance producer license in another state. That state requires Missouri to provide a certification of the applicant's license status and disciplinary history. Which Missouri statute authorizes the Director of Commerce and Insurance to issue such certifications for nonresident licensing purposes?

A) RSMo § 375.018
B) RSMo § 375.020
C) RSMo § 375.017
D) RSMo § 375.022

Show answer & explanation

Answer: C

RSMo § 375.017 specifically addresses nonresident producers and authorizes the Director to issue certifications of license status and disciplinary history to other states for licensing purposes. RSMo § 375.018 deals with license renewal, § 375.020 with continuing education, and § 375.022 with license denial, suspension, or revocation grounds.

Question 22 (Chapter 7)

During a routine market conduct examination, the Missouri Department of Commerce and Insurance discovers that a producer has been accepting premium payments from clients but failing to remit them to the insurer for over 60 days, instead using the funds for personal expenses. Which Missouri statute most directly addresses this violation of fiduciary responsibility?

A) RSMo § 375.052
B) RSMo § 375.051
C) RSMo § 375.144
D) 20 CSR 700-1.140

Show answer & explanation

Answer: A

RSMo § 375.052 defines the fiduciary responsibility of producers to hold premiums and other funds received in a fiduciary capacity until remitted to the insurer, and prohibits commingling or misappropriation. While § 375.051 outlines general fiduciary duties, § 375.052 specifically addresses the handling of funds. RSMo § 375.144 relates to commissions, and 20 CSR 700-1.140 reinforces fiduciary rules but the statutory basis is § 375.052.

Question 23 (Chapter 7)

A Missouri insurance producer is licensed in both life and accident and health lines. The producer moves to a new residence within Missouri but fails to notify the Department of Commerce and Insurance of the address change within the required timeframe. What is the most likely consequence under Missouri law for this failure to update the address?

A) The producer may be subject to disciplinary action, including a fine, for failing to maintain current contact information.
B) The producer's license is automatically suspended until the address is updated.
C) The producer must retake the licensing examination for both lines of authority.
D) The producer's license is automatically cancelled, requiring a new application.

Show answer & explanation

Answer: A

Under RSMo § 375.141.5, a producer must notify the Director of Commerce and Insurance of any change in address within the timeframe set by statute. Failure to do so is a violation that may result in disciplinary action, such as a fine, but does not automatically trigger suspension, cancellation, or require re-examination. The Director has the authority to impose penalties for such administrative violations under the state's licensing maintenance rules.

Question 24 (Chapter 8)

A Missouri resident with a whole life policy takes a policy loan of $15,000. The policy's cash value is $25,000. According to Missouri law, how is the maximum interest rate that may be charged on this policy loan determined?

A) It is a flat rate set annually by the Missouri Department of Commerce and Insurance for all policies.
B) It is the rate specified in the policy contract, subject to a maximum rate established under Missouri insurance law.
C) It floats freely at the insurer's discretion, with no statutory maximum.
D) It is tied to the 10-year Treasury rate and adjusts automatically each quarter.

Show answer & explanation

Answer: B

Under RSMo Chapter 376, the interest rate charged on a life insurance policy loan is the rate specified in the policy contract, subject to a maximum rate established under Missouri insurance law. Option A is incorrect because the rate is contract-based, not set annually by the department for all policies. Option C is incorrect because there is a statutory maximum, not unlimited insurer discretion. Option D is incorrect because the rate is not indexed to the Treasury rate.

Question 25 (Chapter 8)

A producer in Missouri is discussing the assignment of a life insurance policy with a client. Which statement accurately reflects Missouri law regarding the assignability of life insurance policies?

A) Life insurance policies in Missouri cannot be assigned under any circumstances.
B) Only the policyowner can assign the policy, and the insurer's consent is always required.
C) Assignments are only permitted for business-owned life insurance policies (BOLI).
D) Life insurance policies are assignable unless the policy contains a specific prohibition against assignment.

Show answer & explanation

Answer: D

RSMo Chapter 376 states that life insurance policies are assignable unless the policy itself contains a specific prohibition against assignment. The policyowner can assign the policy without needing the insurer's consent, unless the policy forbids it. Option A is incorrect because assignments are permitted. Option B is incorrect because insurer consent is not required unless the policy says so. Option C is incorrect because assignments are not limited to BOLI policies.

The Mistakes That Cost Marks

Treating Reinstatement as if it requires a fee paid to the state. Missouri's Reinstatement provision requires proof of insurability and payment of back premiums and outstanding loans plus interest — it does not require a penalty fee paid to the Department of Commerce and Insurance. Reading every blank on a reinstatement checklist as a required state fee is a common, avoidable miss.

Mixing up the Free Look provision with the provisions that protect a policy after it is already in force. The Free Look lets a new policyowner return the policy for a full refund within a stated period right after delivery; the Misstatement of Age provision, by contrast, adjusts the death benefit years later to what the premium paid would have purchased at the correct age, rather than voiding the claim entirely.

Reading every accidental injury as if it pays an AD&D policy's full principal sum. The principal sum is reserved for accidental death or the loss of two primary body parts; the loss of a single part, such as one foot, typically pays only the capital sum, usually half the principal sum.

Lumping every unfair trade practice together. Making false, malicious statements about a competing insurer's financial condition is defamation; inducing a client to drop an existing policy through misrepresentation is a different violation entirely. The exam distinguishes them by what the producer actually did, not just that something improper happened.

Assuming every administrative lapse is treated the same way. Missing the deadline to notify the Department of Commerce and Insurance of an address change is a disciplinary matter that can draw a fine, not an automatic suspension; failing to remit premiums held in a fiduciary capacity to the insurer is a direct violation of a producer's fiduciary responsibility, a more serious matter entirely.

Your Next Step

How did you score?

20 or more correct (80%+): You are comfortably in the range Missouri's scaled score of 70 targets on either path. Decide whether you need one line of authority or both, then work the two topic sets that go deeper on each line: the Life Insurance Producer exam and the Accident and Health Insurance Producer exam.

17-19 correct: You are in range but without much margin, especially since 25 questions here stand in for exams of 90 scored items each. Note the chapter of every question you missed and work that chapter's audio lesson again before moving to the topic sets above.

Under 17 correct: You need the material, not more questions. Start with the study plan in how to pass the Missouri Life & Health exam on the first try and work through the audio chapters before testing yourself again. First-time pass rates have run 53-64% on the Life Insurance Producer exam, 55-60% on the Accident and Health Insurance Producer exam, and 58-60% on the combined exam — none of the three is one to guess through.

Chapters 1 and 9 of the LanePrep Missouri course are free at /mo/l-and-h/preview — full audio and the chapter quiz, no signup. For the full cost picture, see how much a Missouri L&H license costs.

Exam structure, fees and passing score from Pearson VUE's Missouri Insurance Licensing Candidate Handbook (Stock #1226-00, 03/2026). Content outline weights from Pearson VUE's Missouri Insurance Content Outlines #122601 (effective February 1, 2026). Pass rates from the NAIC 2024 and 2025 compiled pass-rate reports. Read October 2026.

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