How Many Questions Are on the Missouri Life & Health Exam? Format, Time Limit and Passing Score (2026)

It depends on which Missouri exam you choose. The Life exam and the Accident and Health exam each have 90 scored questions plus 10 unscored pretest questions and a 2-hour limit. The combined Life, Accident and Health exam gives you 3 hours and covers both lines in one sitting. All three are delivered by Pearson VUE, and the passing score on each is a scaled 70.

A note on the combined exam. The content outline's printed header for the combined exam's general-knowledge portion does not agree with the section counts listed under it. Because of that, we do not quote a single total number of questions for the combined exam. The Missouri-specific portion, 45 scored plus 5 pretest, is consistent, and the nine general-knowledge sections are listed below with their stated item counts.

Pretest questions are unscored. The outline describes them as 5 general-knowledge and 5 Missouri-specific. You will not know which items they are, so answer every question as though it counts.

The passing score is a scaled score of 70 on a 0 to 100 scale, set by the Missouri Department of Commerce and Insurance in conjunction with Pearson VUE. It is not a raw count and not a percentage of questions answered correctly, which means there is no fixed number of misses you can afford. Prepare to know every section well rather than to hit a target count.

The outline is effective February 1, 2026. Items per section:

Life exam (50). Types of Policies, 15. Life Provisions, Riders, Options and Exclusions, 15. Completing the Application, Underwriting and Delivering the Policies, 12. Retirement and Other Insurance Concepts, 8. Missouri-specific: Common to All Lines, 20. Missouri-specific: Pertinent to Life Insurance Only, 20.

Accident and Health exam (51). Types of Policies, 16. Policy Provisions, Clauses and Riders, 15. Social Insurance, 6. Other Insurance Concepts, 5. Field Underwriting Procedures, 8. Missouri-specific: Common to All Lines, 20. Missouri-specific: Pertinent to Accident and Health Insurance Only, 20.

Combined exam (54). General knowledge, nine sections: Life Types of Policies, 15. Life Provisions, Riders, Options and Exclusions, 15. Life Completing the Application, Underwriting and Delivering the Policies, 12. Retirement and Other Insurance Concepts, 8. Accident and Health Types of Policies, 16. Accident and Health Policy Provisions, Clauses and Riders, 15. Social Insurance, 6. Other Insurance Concepts, 5. Field Underwriting Procedures, 8. Missouri-specific: Common to All Lines, 15. Pertinent to Life Insurance Only, 15. Pertinent to Accident and Health Insurance Only, 15.

The Missouri-specific blocks cite RSMo Chapters 374, 375 and 376, 20 CSR 700-1 for licensing, 20 CSR 700-3.200 for continuing education, and the 20 CSR 400 series for life and health policy forms.

If you want both lines of authority, you can sit the combined exam once for $40, or sit the two single-line exams separately for $32 each, $64 in total. Adding the $100 application fee, the all-in estimate is $140 for the combined route and $164 for the two-exam route. The combined exam is the cheaper path. The single-line exams let you take one subject at a time in a shorter sitting.

Use the item counts to decide where your hours go. The Missouri-specific blocks and the policy-type and provisions sections carry the most items, so they deserve the most practice. Our free practice question hub has topic sets matched to these sections, and the course preview shows the audio and quiz format. For difficulty and pass rates, see is the Missouri Life & Health exam hard.