Missouri Life & Health Insurance Practice Test 2026
Practice the exam Missouri uses, from general life & health knowledge to Missouri's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Missouri's own insurance law.
Life 90, Health 90, Combined Health 100, Combined 45 scored questions. The time limit and passing score are set by Missouri; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Missouri Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Missouri Life & Health test
Missouri's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies15 Qs
- Life Provisions, Riders, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Polices12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Missouri Statutes, Rules, and Regulations Common to All Lines20 Qs
- Missouri Statutes, Rules, and Regulation Pertinent to Life Insurance Only20 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Missouri Statutes, Rules, and Regulations Common to All Lines20 Qs
- Missouri Statutes, Rules, and Regulations Pertinent to Accident and Health Ins. Only20 Qs
- Life: Types of Policies15 Qs
- Life Provisions, Riders, Options, and Exclusions15 Qs
- Life: Completing the Application, Underwriting, and Delivering the Polices12 Qs
- Retirement and Other Insurance and Other Insurance Concepts8 Qs
- Accident and Health: Types of Policies16 Qs
- Accident and Health: Policy Provisions, Clauses, and Riders15 Qs
- Accident and Health: Social Insurance6 Qs
- Accident and Health: Other Insurance Concepts5 Qs
- Accident and Health: Field Underwriting Procedures8 Qs
- Missouri Statutes, Rules, and Regulations Common to All Lines15 Qs
- Missouri Statutes, Rules, and Regulations Pertinent to Life Only15 Qs
- Missouri Statutes, Rules, and Regulations Pertinent to Accident and Health Only15 Qs
Source: Missouri Insurance Supplement, Examination Content Outlines, Content Outlines: Effective February 1, 2026 (Pearson VUE #122601 | 02/2026). Each exam is two separately-published outlines, a GENERAL KNOWLEDGE outline and a MISSOURI-SPECIFIC outline; counts are the outlines' own scored-question figures, stated separately from their pretest questions. TWO conventions had to be recorded rather than copied. (1) The Missouri-specific outlines carry their weights on UNLABELLED group headings and restart roman numbering beneath each, so those headings are coded COMMON, LIFE and HEALTH after their own wording and the outline's roman numbers nest under them. (2) The LIFE AND ACCIDENT & HEALTH INSURANCE GENERAL KNOWLEDGE outline is headed '(50 scored plus 5 pretest questions)', which contradicts its own nine area weights: 15+15+12+8+16+15+6+5+8 = 100. The header line is the one carried by the single-line Life and Accident & Health outlines; scoredQuestions is recorded as 100, the total of the weights the outline itself prints, and the Missouri handbook (#122600) corroborates a longer exam by allotting exam 54 three hours against two for exams 50 and 51. (Missouri Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Missouri exam
Missouri official sources
- Nonresident licenseMissouri Rev. Stat. s. 375.018 · Missouri Revisor of Statutes
- Grounds for license disciplineMissouri Rev. Stat. s. 375.141 · Missouri Revisor of Statutes (revisor.mo.gov)
- Prohibited acts; misrepresentation and fraudMissouri Rev. Stat. s. 375.144 · Missouri Revisor of Statutes (revisor.mo.gov)
- Unfair trade practices definedMissouri Rev. Stat. s. 375.936 · Missouri Revisor of Statutes (revisor.mo.gov)
- Provisions Applicable to All Insurance Companies, first thirdMissouri Revised Statutes Chapter 375, Secs. 375.001-375.610 · Missouri Revisor of Statutes (revisor.mo.gov)
- Revised Statutes Chapter 375, second thirdSecs. 375.620-375.1140 · Missouri Revisor of Statutes (revisor.mo.gov)
- Revised Statutes Chapter 375, final thirdSecs. 375.1150-375.1803 · Missouri Revisor of Statutes (revisor.mo.gov)
- Group health policies, required provisionsMissouri Rev. Stat. s. 376.426 · Missouri Revisor of Statutes (revisor.mo.gov)
All Missouri insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Missouri provisions the questions on this page cite most often.
- Mo. Rev. Stat. § 376.426 · Group Health Required Provisions20 questions
- Mo. Rev. Stat. § 376.777 · Grace Period8 questions
- Mo. Rev. Stat. § 375.936 · Unfair Trade Practices Defined7 questions
- Mo. Rev. Stat. § 375.144 · Prohibited Acts6 questions
- Mo. Rev. Stat. § 376.777.1 · Reinstatement4 questions
- Mo. Rev. Stat. § 375.018 · Producer License Issuance and Reinstatement3 questions
- Mo. Rev. Stat. § 375.141 · Grounds for License Discipline3 questions
- Mo. Rev. Stat. Chapter 375 § 375.007 · Cancellation or Refusal to Issue Policy on Certain Grounds Prohibited2 questions
Exam figures on this page were checked against official pages: Pre-licensing · Exam fee. Confirm anything you rely on with the testing company and the Missouri Department of Insurance.