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Missouri Life Insurance Exam Questions on the Law

Missouri insurance law only: pick an answer to see the rule and its section of the Revised Statutes.

What license fee must an individual pay for a Missouri resident producer license under RSMo 375.015?

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Unofficial practice questions, not affiliated with the Missouri Department of Commerce and Insurance. Bank checked October 4, 2026.

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Producer licensing and continuing education 29

  • A business entity licensed as a Missouri producer has a change in the information on its application. How long does RSMo 375.015 allow for notifying the director? RSMo 375.015
  • A conviction of what kind is a listed ground for action against a Missouri producer license in RSMo 375.141? RSMo 375.141
  • A Missouri insurer authorizes a producer to sell for it. How soon must the producer be entered in the company register under RSMo 375.022? RSMo 375.022
  • A Missouri producer charges an additional incidental fee. What does RSMo 375.052 require? RSMo 375.052
  • A Missouri producer completes more continuing education hours than required in one two-year period. What does RSMo 375.020 allow? RSMo 375.020
  • A Missouri producer finishes an approved continuing education course. How soon must the provider give its certification under RSMo 375.020? RSMo 375.020
  • A Missouri producer is late telling the director of a change of legal name. What forfeiture may follow under RSMo 375.018? RSMo 375.018
  • A Missouri producer license expired four months ago. Besides the renewal fee and proof of continuing education, what penalty does RSMo 375.018 set for reinstating it? RSMo 375.018
  • A Missouri producer moved without telling the director, and a complaint cannot be served. What may the director do under RSMo 375.141? RSMo 375.141
  • A Missouri producer signs a client's name on an application without the client knowing. Which ground in RSMo 375.141 fits? RSMo 375.141
  • A Missouri producer wants to be paid by the insured for more than commissions. On what must the right to that compensation be based under RSMo 375.116? RSMo 375.116
  • By what name may sections 375.012 to 375.146 of the Missouri statutes be cited? RSMo 375.012
  • For good cause the Missouri director may give a producer more time to finish continuing education. What is the longest extension under RSMo 375.020? RSMo 375.020
  • For what term is a Missouri producer license issued under RSMo 375.018? RSMo 375.018
  • From what age may the Missouri director waive continuing education for a licensee under RSMo 375.020? RSMo 375.020
  • How does RSMo 375.145 class a violation of section 375.144, the Missouri section on fraud in the sale of insurance? RSMo 375.145
  • How does RSMo 375.145 class a violation of sections 375.012 to 375.142 of the Missouri producer law? RSMo 375.145
  • How many hours of continuing education must a Missouri producer complete in each two-year period under RSMo 375.020? RSMo 375.020
  • In what capacity does a Missouri producer hold premium money collected for an insurer, by the heading of RSMo 375.051? RSMo 375.051
  • The Missouri continuing education section, RSMo 375.020, does not apply to a producer limited by written agreement to funeral or burial policies with an initial face amount at or under what sum? RSMo 375.020
  • The Missouri director may give the surviving spouse of a producer who has died a temporary license with no examination. How long may it last under RSMo 375.025? RSMo 375.025
  • The Missouri director takes no action on a producer license application. After how long is the application deemed approved under RSMo 375.015? RSMo 375.015
  • On what date does a Missouri producer license come up for its biennial renewal under RSMo 375.018? RSMo 375.018
  • Under which chapter is an appeal made when the Missouri director refuses to renew or denies a producer license, by RSMo 375.141? RSMo 375.141
  • What license fee must an individual pay for a Missouri resident producer license under RSMo 375.015? RSMo 375.015
  • What may be charged for adding a producer to, or removing one from, a Missouri insurer's register under RSMo 375.022? RSMo 375.022
  • What record of its producers must an insurer doing business in Missouri keep under RSMo 375.022? RSMo 375.022
  • Which person is exempt from the Missouri producer license under RSMo 375.014? RSMo 375.014
  • Which subject does RSMo 375.020 name as part of business ethics in Missouri producer continuing education? RSMo 375.020

Life policy provisions 14

  • A Missouri employee was not told of the right to convert group life cover. How long before the conversion period expires must notice be given to avoid an added period under RSMo 376.699? RSMo 376.699
  • A Missouri employer pays a group life premium late. What grace period must the policy give the policyholder under RSMo 376.697, the first premium aside? RSMo 376.697
  • A Missouri employer sends an employee notice that it will buy life insurance on the employee. How long does the employee have to object in writing before consent is taken as given under RSMo 376.531? RSMo 376.531
  • A Missouri group life policy ends. For how long must a person have been insured under it to be entitled to an individual policy under RSMo 376.697? RSMo 376.697
  • A Missouri life policy is in default. By when must the owner request a paid-up nonforfeiture benefit under RSMo 376.670? RSMo 376.670
  • After a Missouri group life policy has been in force for how long can its validity no longer be contested, except for nonpayment of premium, under RSMo 376.697? RSMo 376.697
  • Between which persons does RSMo 376.500 forbid a Missouri life company to discriminate in premiums? RSMo 376.500
  • How long may a Missouri life insurer defer paying a cash surrender value after demand under RSMo 376.670? RSMo 376.670
  • Under the facility of payment provision in RSMo 376.697, how much of a Missouri group life benefit may the insurer pay to a person who appears equitably entitled because of funeral expenses? RSMo 376.697
  • What does the heading of RSMo 376.531 require before a Missouri life policy is issued on a person's life? RSMo 376.531
  • What is the outer limit on the added period to convert Missouri group life cover when notice was late, under RSMo 376.699? RSMo 376.699
  • When does a misrepresentation in getting a Missouri life policy make the policy void under RSMo 376.580? RSMo 376.580
  • Who decides whether a misrepresentation contributed to the death under a Missouri life policy, by RSMo 376.580? RSMo 376.580
  • Within what time from the date of issue may a Missouri life policy exclude death by suicide under RSMo 376.620? RSMo 376.620

Sales disclosure, illustrations and annuities 11

  • A Missouri life policy carries an unconditional refund provision. How long must that provision run for the buyer's guide to be given later, at delivery, under RSMo 376.706? RSMo 376.706
  • A Missouri policy is issued other than as applied for. Which document does the heading of RSMo 375.1518 name for that case? RSMo 375.1518
  • A Missouri sales presentation mentions policy dividends. What must go with the reference under RSMo 376.708? RSMo 376.708
  • How long after its last authorized use must a Missouri life insurer keep a copy of each authorized disclosure form under RSMo 376.708? RSMo 376.708
  • How long may a Missouri company defer paying the cash surrender benefit of an annuity contract after demand under RSMo 376.671? RSMo 376.671
  • How often does the heading of RSMo 375.1521 say a report goes to the owner of a Missouri policy designated as one for which illustrations are used? RSMo 375.1521
  • Up to what equivalent level death benefit may a Missouri insurer meet the policy summary rule with a written statement of listed items instead, under RSMo 376.706? RSMo 376.706
  • What must a Missouri agent tell a prospective purchaser before starting a life insurance sales presentation under RSMo 376.708? RSMo 376.708
  • When must a Missouri life insurer give a prospective purchaser a buyer's guide and a policy summary under RSMo 376.706? RSMo 376.706
  • Which term does RSMo 376.708 keep a Missouri life insurance agent from using in a way that implies the agent is generally in an advisory business? RSMo 376.708
  • Which term may not be used in a Missouri life insurance illustration under RSMo 375.1509? RSMo 375.1509

Health and long-term care provisions 17

  • A misrepresentation in getting a Missouri accident and health policy is a defense to a claim only in which case, under RSMo 376.800? RSMo 376.800
  • A Missouri group health policy excludes a preexisting condition. Treatment during what period before coverage starts can bring a condition within the exclusion under RSMo 376.426? RSMo 376.426
  • A Missouri health insurer relies on something the insured wrote when applying. Under RSMo 376.783, when does that statement bind the insured? RSMo 376.783
  • A Missouri insurer rescinds a long-term care policy after paying benefits under it. What happens to the benefits already paid under RSMo 376.1124? RSMo 376.1124
  • A Missouri long-term care policy has been in force four months. On what showing may the insurer rescind it under RSMo 376.1124? RSMo 376.1124
  • A Missouri policyholder cancels a Medicare supplement policy. How soon after the insurer receives notice must any refund be returned under RSMo 376.882? RSMo 376.882
  • After a Missouri long-term care policy has been in force two years, on what showing may it still be contested under RSMo 376.1124? RSMo 376.1124
  • At the latest, when does a preexisting condition exclusion in a Missouri group health policy stop applying under RSMo 376.426? RSMo 376.426
  • At what point is the outline of coverage delivered to a prospective applicant for Missouri long-term care insurance under RSMo 376.1115? RSMo 376.1115
  • How far back before the effective date may a Missouri long-term care policy look in defining a preexisting condition under RSMo 376.1109? RSMo 376.1109
  • On which ground may a Missouri long-term care policy not be canceled or nonrenewed under RSMo 376.1109? RSMo 376.1109
  • What does RSMo 376.1124 say about field issuing a Missouri long-term care policy based on medical or health status? RSMo 376.1124
  • What does the heading of RSMo 376.806 require of a Missouri health insurer on notice of the death of the insured? RSMo 376.806
  • What grace period does RSMo 376.426 give the policyholder of a Missouri group health policy? RSMo 376.426
  • What may a Missouri long-term care policy not make a condition of eligibility for benefits under RSMo 376.1109? RSMo 376.1109
  • What option does the heading of RSMo 376.1127 require for Missouri long-term care insurance policies? RSMo 376.1127
  • When must a Missouri agent hand over the outline of coverage for long-term care insurance under RSMo 376.1115? RSMo 376.1115

Unfair practices and penalty levels 17

  • A life company breaks the Missouri ban on discrimination and rebates. For how long is it barred from doing business in the state under RSMo 376.510? RSMo 376.510
  • A Missouri claimant asks an insurer for claim forms. Within how long must they be provided to avoid the improper claims practice in RSMo 375.1007? RSMo 375.1007
  • A Missouri improper claims practice violation was committed flagrantly and in conscious disregard of the law. What is the top penalty for each violation under RSMo 375.1012? RSMo 375.1012
  • A Missouri violation was knowing. How may the penalty be enhanced under RSMo 374.049? RSMo 374.049
  • A Missouri violation was knowingly committed in conscious disregard of the law. What enhancement does RSMo 374.049 allow? RSMo 374.049
  • A practice defined in RSMo 375.936 is an unfair trade practice in Missouri when it is committed in what way, under RSMo 375.934? RSMo 375.934
  • For each level three violation, what is the most the Missouri director may order under RSMo 374.049? RSMo 374.049
  • For how long must a Missouri insurer keep a complete record of the complaints it has received under RSMo 375.936? RSMo 375.936
  • How does RSMo 375.942 class each practice that violates the Missouri unfair trade practice section, 375.934? RSMo 375.942
  • In the circuit court of which county is the record filed when a Missouri improper claims practice order is reviewed, by RSMo 375.1012? RSMo 375.1012
  • Into how many classifications does RSMo 374.049 sort violations of the Missouri insurance laws? RSMo 374.049
  • What civil penalty may the Missouri director order for a level one violation under RSMo 374.049? RSMo 374.049
  • What earns a reduction in the penalty classification in Missouri under RSMo 374.049? RSMo 374.049
  • What fine for each offense may a court set for a person who gives an unlawful rebate on Missouri life insurance under RSMo 376.510? RSMo 376.510
  • What is the most the Missouri director may order for each level two violation under RSMo 374.049? RSMo 374.049
  • What is the top monetary penalty for each improper claims practice violation in Missouri, where the violation was not flagrant, under RSMo 375.1012? RSMo 375.1012
  • What is the yearly aggregate cap on the director's penalties for multiple level two violations in Missouri under RSMo 374.049? RSMo 374.049

Guaranty association 11

  • A member insurer that issued a Missouri health benefit plan fails. What ceiling does RSMo 376.717 put on the guaranty association for that plan? RSMo 376.717
  • A Missouri annuity owner learns the issuing company is insolvent. RSMo 376.717 protects annuity benefits up to what present value? RSMo 376.717
  • By when must the document describing the Missouri guaranty association reach the policy or contract holder under RSMo 376.756? RSMo 376.756
  • How many accounts does the Missouri Life and Health Insurance Guaranty Association maintain under RSMo 376.720? RSMo 376.720
  • How many member insurers make up the board of directors of the Missouri guaranty association under RSMo 376.722? RSMo 376.722
  • One owner holds several non-group life policies on Missouri employees with an impaired insurer. What is the cap for that owner under RSMo 376.717? RSMo 376.717
  • RSMo 376.717 caps what the Missouri guaranty association owes when a member life company fails. Which cap applies to death benefits on one life? RSMo 376.717
  • What does the heading of RSMo 376.755 say about advertising and the Missouri guaranty association? RSMo 376.755
  • What kind of body is the Missouri guaranty association under RSMo 376.720? RSMo 376.720
  • Which is one of the accounts of the Missouri guaranty association named in RSMo 376.720? RSMo 376.720
  • Who supervises the Missouri Life and Health Insurance Guaranty Association under RSMo 376.720? RSMo 376.720

How it works

These unofficial Missouri life insurance exam questions ask the law only: 99 free practice questions written from the Revised Statutes of Missouri, health and long-term care sections included. It leaves out policy types, underwriting and textbook theory.

Read the full guide

What the Missouri law questions cover

Six groups: producer licensing and continuing education, life policy provisions, sales disclosure, illustrations and annuities, health and long-term care provisions, unfair practices and penalty levels, and the guaranty association. Missed questions wait in a separate pile.

Studying for life insurance alone

Set the topic filter to Life policy provisions, then to Sales disclosure, illustrations and annuities. Questions on producer licensing and the guaranty association serve both lines. Every answer shows its RSMo section.

  • A producer license runs two years and renews on the producer's birth date (375.018).
  • Continuing education: at least 16 hours in each two-year period; excess hours carry forward (375.020).
  • Penalty levels: up to $1,000 for each level two violation, up to $5,000 for each level three (374.049).

Questions and answers

How many questions are on the Missouri life insurance test?

You will not find that number here. The sections of the Revised Statutes of Missouri read for this bank set no length, time limit or pass mark for the exam. A set of 25 in Exam mode is a set size and nothing more.

How many continuing education hours does a Missouri insurance producer need?

A minimum of sixteen hours of instruction during each two years, under RSMo 375.020. The courses must include Missouri law and business ethics, including sales suitability, and excess hours may be carried forward to the next two-year period.

When does a Missouri insurance license expire?

A producer license is issued for two years and is renewed every two years on the producer's birth date, under RSMo 375.018. An expired license may be reinstated within twelve months without a written examination, for a penalty of $25 per month expired.

Are these the real Missouri life insurance exam questions?

No, and this site has never seen the state exam. The questions were written from the Revised Statutes of Missouri, and the Missouri Department of Commerce and Insurance did not write or review them.

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