$140 With the Combined Exam: Missouri Life & Health License Cost 2026

Getting a Missouri Life, Accident & Health producer license with both lines of authority costs $140 if you sit the combined exam once ($40) plus the $100 Insurance Producer application fee filed through NIPR — or $164 if you sit the two single-line exams separately ($32 + $32) plus the same $100 application fee.

There is no pre-licensing course sitting on top of either total: RSMo §375.015 lists only age, background, the license fee, and the examination itself as qualifications for an individual producer license. No fingerprint-based background check is required either — NIPR's own Missouri page states that fingerprinting is mandated only for bail bond agent licenses, not insurance producers. The cost worth planning for after you are licensed is continuing education: 16 hours every two years, including 3 hours of ethics.

• Required fees, both lines, first try, combined exam: $140
• Required fees, both lines, first try, two separate exams: $164
• Pre-licensing course: none required
• Fingerprint background check: not required for producers
• Exam preparation: $0 to several hundred dollars, your choice
• Each retake: $32 per single-line exam, $40 for the combined exam
• Continuing education: 16 hours every two years, including 3 hours of ethics

1. Pearson VUE Exam Fee — $32 or $40 per attempt

Paid per attempt, per exam. A candidate who needs both lines of authority can sit the combined exam once for $40 total, or the two single-line exams separately for $32 + $32 = $64 total. The combined exam is the cheaper way to get both lines — one fee instead of two — and it is also faster: one 3-hour sitting instead of two 2-hour sittings on separate days.

2. Insurance Producer Application Fee — $100

Filed through NIPR (the National Insurance Producer Registry) after passing, the Insurance Producer application fee is $100. Exam scores are valid for one year, and after passing you still wait 24-48 hours for the result to load before you can apply. Passing an exam does not itself grant a license, and a license does not permit transacting business until an insurer appoints you.

3. Renewal Fee — $100, Every Two Years

Once licensed, renewing an Insurance Producer license costs $100, due biennially.

Add the exam fee(s) to the application fee: $40 + $100 = $140 (combined exam), or $32 + $32 + $100 = $164 (two separate exams).

Missouri has no mandatory pre-licensing course-of-study requirement for producer applicants. RSMo §375.015 conditions licensure on being at least 18, having no disqualifying background acts, paying the license fee, and passing the examination — nothing about completing a course appears in that qualifications section. There is no course certificate to pay for and no seat-time requirement anywhere in the current Missouri Life or Accident and Health licensing path.

No fingerprint-based background check is required for a Producer license: NIPR's own Missouri page states that fingerprinting is mandated only for bail bond agent, general bail bond agent and surety recovery agent licenses, not insurance producers, and the candidate handbook's own exam-day requirements list only photo ID, no fingerprint step.

Every version of the exam passes at a scaled score of 70, and the 2024-2025 first-time pass rates — 64.4%/53.1% on the Life Insurance Producer exam, 55.0%/59.6% on the Accident and Health Insurance Producer exam, 58.2%/60.2% on the combined exam — mean preparation is a real line item on any of the three paths.

$0 — the free stack. Pearson VUE's content outlines list the exact item count for every section of all three exam versions, and the candidate handbook explains the fee and passing-score rules. Together they tell you what is tested, not how it works. Free general-insurance material covers national concepts reasonably well and Missouri-specific law — producer licensing, marketing practices, fiduciary responsibilities, the Missouri Insurance Guaranty Association — poorly or not at all.

$14.99-$79 — a focused exam-prep course. LanePrep's Missouri Life & Health course is nine audio chapters built from the Pearson VUE content outlines, with chapter quizzes split by exam line and a dedicated chapter for the Missouri law tested on both exams. It costs $14.99 per month or $79 once as the Pass Package. Chapters 1 and 9 are free, no signup, so you can judge the format before paying for either.

Full packages. National prep providers sell bundles with video lectures and a textbook at several times the price of a focused course. Make sure any package you buy is built from Pearson VUE's content outline #122601 (effective February 1, 2026) and names Pearson VUE, not another vendor, as the testing company.

Retakes — another $32 or $40, per exam

Every attempt costs the fee again. A failed combined exam is retaken as the combined exam for another $40; a failed single-line exam is retaken as that single-line exam for another $32, and does not require retaking the other line if you already passed it. A candidate who fails must also wait one day before scheduling the reexamination.

Continuing Education — 16 Hours Every Two Years

Keeping the license active costs more than the $100 renewal fee: Missouri requires 16 hours of continuing education every two years for Life and/or Accident and Health, of which 3 hours must cover ethics, Missouri law, and producer duties and obligations to the department, per 20 CSR 700-3.200. RSMo §375.029 allows active membership in a qualifying insurance association to count for up to 4 of those 16 hours. A CE credit hour is 50 minutes of uninterrupted instruction in an approved course — budget for the course itself, since the hour requirement does not come with a dollar figure attached in the primary sources.

Treating the free stack as sufficient

Pearson VUE's content outlines tell you what will be tested; they do not teach the material. A candidate who studies from the outline alone, without a course that actually explains Missouri's statutes and regulations, is studying a syllabus, not a subject.

Three realistic budgets for a resident candidate pursuing both lines of authority on one application.

Pass the combined exam on the first attempt — $140 to $219

• Combined exam fee $40
• Insurance Producer application fee $100
• Preparation: free stack ($0), one month of LanePrep ($14.99) or the Pass Package ($79)

Pass both single-line exams on the first attempt — $164 to $243

• Life Insurance Producer exam fee $32
• Accident and Health Insurance Producer exam fee $32
• Insurance Producer application fee $100
• Preparation: free stack ($0), one month of LanePrep ($14.99) or the Pass Package ($79)

One retake, combined exam — $180 to $259

• Everything in the combined-exam scenario above
• A second attempt at the combined exam: $40
• In practice, more preparation as well — the same preparation produced the first result

The gap between passing on the first try and needing one retake is $40 (or $32), the mandatory one-day wait before you can even book the reexamination, and however many days it takes to get a new seat after that. That is the arithmetic behind spending something on preparation: the most expensive study material is the kind that sends you back to retake an exam you already paid for once.

For most self-directed candidates the cost-optimal path is:

1. Decide whether you need one line of authority or both. If both, the combined exam is the cheaper and faster route.
2. Prepare with a focused course built for the outline you are actually sitting, so neither line becomes the one you retake.
3. Book and pass your exam(s) through Pearson VUE, then apply through NIPR for your line(s) of authority ($100) — $140 all in with the combined exam, $164 with two separate exams.

LanePrep covers step 2: nine audio chapters built from the Pearson VUE content outlines, chapter quizzes split by exam line, and a dedicated chapter for the Missouri law tested on both exams, for $14.99 per month or $79 once. Chapters 1 and 9 are free. For the exams themselves — format, weights and a week-by-week plan — read how to pass the Missouri Life & Health exam on your first try.

Fees from Pearson VUE's Missouri Insurance Licensing Candidate Handbook (Stock #1226-00, 03/2026) and NIPR's Missouri resident-licensing page. Continuing education from 20 CSR 700-3.200. Pass rates from the NAIC 2024 and 2025 compiled pass-rate reports. Read October 2026.