Pass the Missouri Life and Health exam on your first try.
Audio chapters for the commute. 639+ practice questions for the desk. Pass Guarantee.
Hear how Chapter 1 sounds — 75-sec sample
Chapter 1 — 75-second sample
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What's inside the Missouri L&H course
- ✓ 9 audio chapters covering the Pearson VUE content outlines (Life Insurance Producer, Accident and Health Insurance Producer, and the combined Life, Accident and Health exam, effective February 1, 2026) end-to-end
- ✓ 639+ practice questions with explanations on every answer
- ✓ Listen during commute, gym, chores — no screen required
- ✓ Missouri law covered cold (RSMo Chapter 375 producer licensing and marketing practices, Chapter 374 Director's powers, Chapter 376 life and health policy rules, 20 CSR 700 licensing and continuing education, the Missouri Insurance Guaranty Association)
- ✓ Pass Guarantee — keep studying until you pass, no extra charge
The Missouri L&H exam at a glance
- Exams
- 2
- Life Insurance Producer exam and Accident and Health Insurance Producer exam, delivered by Pearson VUE
- Questions
- 90 + 90
- scored questions per exam
- Time limit
- 120 min
- per exam
- To pass
- 70
- a scaled score of 70
- First-time pass rate
- 53-64% (Life), 55-60% (A&H), 58-60% (combined exam)
- Missouri DCI figures
- Exam fee
- $32
- per attempt
- Pre-licensing course
- Not required
- No pre-licensing course is required in Missouri: RSMo § 375.015 lists age, character, the fee and the exam as the only qualifications.
Free Missouri L&H study guides
No signup needed — start with the exam facts, then pick the study plan that fits your timeline.
- How to Pass the Missouri Life & Health Exam on the First Try (2026)
- $140 With the Combined Exam: Missouri Life & Health License Cost 2026
- 25 Free Missouri Life & Health Exam Practice Questions (2026)
- 17 Free Missouri Life Insurance Producer Exam Practice Questions (2026)
- 17 Free Missouri Accident & Health Exam Practice Questions (2026)
- Is the Missouri Life & Health Exam Hard? Pass Rates and Difficulty (2026)
- How Many Questions Are on the Missouri Life & Health Exam? Format, Time Limit and Passing Score (2026)
- Failed the Missouri Life & Health Exam? Retake Rules, Waiting Periods and Fees (2026)
- Missouri Life & Health Exam Day: What to Expect at Pearson VUE (2026)
- Do You Need a Pre-Licensing Course for the Missouri Life & Health Exam? (2026)
- 17 Free Missouri Life & Health Practice Questions: Life Provisions, Riders and Options (2026)
- 17 Free Missouri Life & Health Practice Questions: Application, Underwriting and Delivery (2026)
- 17 Free Missouri Life & Health Practice Questions: Accident and Health Policy Types (2026)
- 17 Free Missouri Life & Health Practice Questions: Accident and Health Policy Provisions (2026)
- 17 Free Missouri Life & Health Practice Questions: Other Concepts, Field Underwriting and Missouri A&H Law (2026)
- 17 Free Missouri Life & Health Practice Questions: Missouri Laws Common to All Lines (2026)
- 17 Free Missouri Life & Health Practice Questions: Missouri Laws Pertinent to Life Insurance (2026)
9 chapters. Every exam topic.
3h 08m of audio and 639+ practice questions, mapped to the exam outline.
Early Access
New product · real Missouri candidates studying now
LanePrep's Missouri L&H course launched in October 2026. Every chapter is checked against the current exam objectives by the founder, and every candidate is asked after the exam whether they passed. Quotes from Missouri candidates who report a pass appear here with their permission.
Hi, I'm Nico — I built LanePrep
Founder · Solo · Replies personally
Every chapter — including the Life & Health statutes — is reviewed by me. If you ever spot something wrong or unclear, reply to any email I send and I'll fix it. Solo founder, no outsourced support.
nico@laneprep.com· I read every message.
Don't pass? You're covered.
Two layers of protection depending on which plan you choose:
Monthly
Keep studying free until you pass
No extra charge, no time limit. Re-listen, re-quiz, retake — we never lock you out for failing.
Pass Package ($79)
Full refund if you fail
Upload your official Pearson VUE score report within 30 days. Every cent back. For the “I have to pass first try” mindset.
Ready to pass your Missouri L&H exam?
Pass Package
Pay once — pass, or your money back
Kaplan charges $139–$299. Same exam, no course.
- ✓ All 9 audio chapters
- ✓ Practice quiz bank
- ✓ Full refund if you fail
- ✓ No recurring charges
Monthly
Same content, billed monthly
Cancel anytime · pass in 6–10 weeks
- ✓ All 9 audio chapters
- ✓ Practice quiz bank
- ✓ Pass Guarantee included
Not ready to commit yet?
Get 25 free Missouri L&H practice questions emailed to you — with full answer explanations. No credit card required.
No spam. Just the questions and one optional follow-up.
Common questions
Which exam does this cover?
The Missouri Life and Health license needs 2 exams, delivered by Pearson VUE: Life Insurance Producer exam (90 questions in 120 minutes) and Accident and Health Insurance Producer exam (90 questions in 120 minutes), each passed with a scaled score of 70. Every chapter is mapped to the current content outlines.
Can I really study just by listening?
The audio lessons teach through plain explanations, worked examples and memory aids, so the listening does the first pass. The question bank and the mastery dashboard are where you confirm it stuck; that part is on a screen, and it takes minutes a day, not hours.
How long until I'm ready for the exam?
The audio is 3h 08m in total, so most people finish the 9 chapters in two or three commutes and then spend their time on the 639+ practice questions. Book the exam when the mastery dashboard is green across every chapter.
What if I don't pass?
Pass Package customers get a full refund of the $79 on a failed attempt: upload the official Pearson VUE score report within 30 days of an exam sat after purchase and within 180 days of it. Monthly subscribers pay nothing more until they pass: tell us you did not pass and billing pauses while your access stays open.
Is this an official pre-licensing course?
No. LanePrep is the exam prep itself, not a state-mandated course. No pre-licensing course is required in Missouri: RSMo § 375.015 lists age, character, the fee and the exam as the only qualifications.
What is the Missouri L&H exam pass rate?
About 53-64% (Life), 55-60% (A&H), 58-60% (combined exam) of first-time candidates pass, according to Missouri DCI's published figures. Repeat candidates pass at a noticeably lower rate, which is why the first attempt matters.
How much does LanePrep cost?
$79 once for permanent access with a full refund if you don't pass, or $14.99 a month that you can cancel any time. Both include every chapter, the full question bank and the practice exam.
Can I use this offline?
Yes. LanePrep is a progressive web app: install it on your phone and download the chapters for offline listening.
Who runs LanePrep — is it a legitimate company?
LanePrep is operated by LeakShield Technologies LLC (Spokane, WA) and run by its founder, Nico, who writes and reviews every chapter and answers every email himself. Payments are processed by Stripe.
Ready to pass your exam?
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Listen to Chapter 1 free (18 min)