Getting an insurance license in Missouri
Missouri licenses through the Missouri Department of Commerce and Insurance, which calls the licensee a producer. Which license you need depends on what you intend to sell, and the requirements differ sharply between them.
License types
-
Accident and Health or Sickness
Sells cover for sickness, bodily injury or accidental death in Missouri, and it may carry disability income benefits too. No pre-licensing course is required.
No course
-
Bail Bond Agent
Writes bail bonds under a general bail bond agent's authority. It is one of three Missouri licenses that need twenty-four hours of approved training before the paper, in a state whose producer licenses need none.
24 hrs
-
Casualty
Sells cover against legal liability in Missouri, including liability for death, injury or disability and for damage to real or personal property. No pre-licensing course is required.
No course
-
Credit
Limited line credit insurance in Missouri. The statute names it as a line of authority in its own right and then excuses it from the examination along with every other limited lines producer license, so Missouri asks neither a course nor a test of it.
No course
-
Crop
Sells crop insurance to Missouri growers. The line has its own hour-long paper, and a producer certified by the Federal Crop Insurance Corporation on 28 September 1995 was written out of needing a property license for federal crop business and has stayed written out ever since.
No course
-
General Bail Bond Agent
The principal of the bail bond business, and the person a bail bond agent works under. Missouri asks it for the same twenty-four hours, plus affidavits and an assignment of ten thousand dollars that no other Missouri license requires.
24 hrs
-
Life
Sells life insurance in Missouri, which the statute writes as coverage on human lives including endowment and annuity benefits, benefits for death or dismemberment by accident, and disability income. Missouri asks no pre-licensing course for it.
No course
-
Limited Lines Self-Service Storage Insurance Producer
The storage operator's license for cover on a tenant's goods. It is the only Missouri license outside the bail family whose applicant has to complete training, and the training requirement is on the Department's page rather than in the section that creates the license.
No count
-
Motor Vehicle Extended Service Contract Producer
Sells the extended warranty at the car dealership, which Missouri regulates as insurance and licenses as its own producer line. There is no examination and no course, and the register of who may sell is kept by the business entity rather than by the state.
No course
-
Navigator
Helps Missourians through the health insurance exchange. It is the one Missouri license where a federal certification and a state examination are alternatives to each other, and at $25 for two years it is the cheapest license the Department issues.
No count
-
Organizational Credit Entity
One entity license that lets a bank's or lender's own staff sell credit insurance without each of them holding a producer license. Missouri conditions it on how those employees are paid: commission-first compensation takes them outside it.
No course
-
Personal Lines
Property and casualty insurance sold to individuals and families for primarily noncommercial purposes in Missouri. It is one line rather than two and no pre-licensing course is required.
No course
-
Pharmacy Benefits Manager
Administers the drug half of a health plan. At a thousand dollars for a single year it is the most expensive license Missouri's insurance department issues, and the shortest-lived.
No course
-
Portable Electronics Insurance Limited Lines Producer
The retailer's license for the cover sold with a phone, and Missouri says so in its own voice: its Other Licensees page opens with the word "now", because the license is newer than the trade it regulates.
No course
-
Property
Sells cover for direct or consequential loss or damage to property of every kind in Missouri. No pre-licensing course is required, and the statute carries one carve-out with a date on it: a producer certified by the Federal Crop Insurance Corporation on September 28, 1995 needs no property license at all to write federal crop insurance.
No course
-
Public Adjuster Solicitor
Works for a public adjuster, bringing in the business and helping settle the claims. Missouri is one of very few states that licenses the adjuster's staff separately, with its own paper, its own bond and the same one-year term that ends in re-examination if it lapses.
No course
-
Public Adjuster
The only adjuster license Missouri issues, and its statute has not been touched since 1973. It is narrowed by line rather than by what the holder may do: section 325.010 confines it to fire and allied lines and writes casualty claims out of it in the same sentence, where Montana narrows its own by the act instead.
No course
-
Service Contract Provider
The company that owes you the repair when a service contract is called on. Missouri registers it rather than licensing it, and the registration exists to answer one question: whether the provider can actually pay.
No course
-
Surety Recovery Agent
Tracks down and surrenders a defendant who has broken a bail bond agreement. Missouri licenses it, examines it, and asks the same twenty-four hours as the bail bond agents, while writing bail bond agents themselves out of the definition.
24 hrs
-
Surplus Lines Producer
Places Missouri risks with insurers Missouri has not admitted. It is the one license here that has both a paper and a prerequisite license, and the prerequisite is named on the Department's own fee table rather than only in the statute.
No course
-
Title Agency Qualified Principal
The person a Missouri title agency names as answerable for it. It is a license in its own right with its own paper, and no other state on this site examines the person responsible for an agency separately from the agency's producers.
No course
-
Title
Searches and insures title to Missouri real property. Its continuing education is half a producer's at eight hours, and it is one of two title licenses the state issues: this one is the individual, and the agency has to name a qualified principal who sits a separate paper.
No course
-
Travel
Sells travel insurance in Missouri. There is no examination and no course, and the licensee's real work is supervising travel retailers who are registered under its license rather than licensed by the state.
No course
-
Variable Life and Variable Annuity Products
Sells cover provided under variable life insurance contracts and variable annuities in Missouri. The statute lists it among the lines a producer may qualify for and conditions it on nothing else, so the examination is what stands in front of it. No pre-licensing course is required.
No course
-
Vehicle Protection Product Warrantor
Stands behind the anti-theft etching or the paint protection sold with a car. Missouri registers the warrantor annually and asks for the warranty itself on file, which few registrations here do.
No course
Is a course required?
Missouri requires no pre-licensing course for Every producer line of authority.
Section 375.015.1, RSMo lists what the director must find before approving a resident producer application: at least 18, no disqualifying act, the hundred dollar license fee paid, and the examinations passed for the lines applied for. No course is in it. A sourced zero read off the statute, and Pearson's Missouri candidate handbook confirms it license by license: its table of nine license types has an EDUCATION REQUIRED column and it reads "None" against the producer, the surplus lines producer, the business entity producer, the public adjuster and the public adjuster solicitor. It does not read None against everything, which is the finding recorded beside this one.
Read at revisor.mo.gov on 2026-08-20 . ยง 375.015.1, RSMo
Missouri requires pre-licensing education for Bail Bond Agent, General Bail Bond Agent, Surety Recovery Agent , at 24 hours.
Twenty-four hours of approved initial basic training, before the examination, on all three licenses. The Department's Other Licensees page prints it as the fourth of five requirements, "Completed an approved 24 hour initial basic training course", and Pearson's Missouri candidate handbook prints "24 hours initial basic training" in the education column against Bail Bonds Agent, General Bail Bonds Agent and Surety Recovery Agent, against "None" for every producer line. Missouri was on file here as a state that requires no course and it requires one on three licenses. The statutes moved on 2026-08-28: S.B. 1421 of 2026 transferred the act out of chapter 374 into sections 324.2100 to 324.2187, so every citation to 374.695 through 374.789 goes stale. The Department of Commerce and Insurance still issues the licenses and still lists them on its insurance-side Other Licensees page, but 324.2103 defines the director as the director of the division of professional registration and puts them under the board at 324.1102. Nothing publishes a list of approved training courses and no national seller offers one.
Read at the Department on 2026-08-20 . Professional Bail Bondsman and Surety Recovery Agent Licensure Act, ss. 324.2100 to 324.2187, RSMo
Missouri requires pre-licensing education for Navigator . No hour count is published with it, and the note below says what that means here.
The Federal Certified Marketplace Navigator Certificate, or its equivalent as a Certified Application Counselor, In-Person Assister or Health Center Outreach and Enrollment Assistance Worker. Missouri is the only state on this site where the federal navigator training is an alternative to a state examination rather than a requirement beside one: the Department's page prints the two routes with an "OR" between them, and Pearson's handbook prints the education requirement as "Certfication through the Federal Market Place or exam". No hours are set, no provider is approved and the training is the federal marketplace's, so nothing can be bought that satisfies it.
Read at the Department on 2026-08-20 . s. 376.2002, RSMo, and the Department's Other Licensees page
Missouri requires pre-licensing education for Limited Lines Self-Service Storage Insurance Producer . No hour count is published with it, and the note below says what that means here.
"Have completed a qualified training program that has been filed with and approved by the director."It is the fourth of the four requirements the Department prints for this license, and it is not in the statute: section 379.1640 defines the license, fences what unlicensed staff may say, caps the cover at $15,000 per customer per storage unit and requires a register of the individuals selling under it, and sets no training requirement at all. Recorded from the regulator's own statement of the requirement, with the gap noted, because a reader who checks the statute will not find it. No hour count is published, so none is shown.
Read at the Department on 2026-08-20 . The Department's Other Licensees page; s. 379.1640, RSMo does not carry it
Fees
| Charge | Paid to | Amount |
|---|---|---|
| Producer license Set in the statute rather than by the director, and the same figure for an individual or a business entity. It buys two years and the biennial renewal is $100 again, due on the producer's birth date. | Missouri Department of Commerce and Insurance | $100.00 |
| Producer reinstatement penalty Charged per month the license was expired, on top of the renewal fee that would have been paid, for twelve months after the due date. It is charged on a lapsed license and not on a first application, and no examination is required inside that window. | Missouri Department of Commerce and Insurance | $25.00 |
| Examination fee, one-hour paper Paid to Pearson VUE rather than to the Department, nonrefundable and nontransferable, and forfeited outright by a late arrival. A Missouri score is valid for one year. The two-hour producer papers are $32, the three-hour combined papers $40, and the navigator's one-hour paper is $32. | Missouri Department of Commerce and Insurance | $25.00 |
| Examination fee, two-hour producer paper $32 for Life, Accident and Health, Property, Casualty and Personal Lines separately; the combined Life, Accident and Health paper and the combined Property and Casualty paper are $40 for three hours each. Personal Lines is the odd one, $32 for two and a half hours. | Missouri Department of Commerce and Insurance | $32.00 |
| Public adjuster license Charged for each individual who will act as a public adjuster, and it buys one year rather than two. The annual renewal is $50, and 325.025.1 terminates the license if that renewal misses the anniversary date, which sends the holder back to the examination. | Missouri Department of Commerce and Insurance | $100.00 |
| Public adjuster solicitor license The same $100 as the adjuster it works for, on the same one-year term with the same $50 annual renewal and the same termination on a missed anniversary. | Missouri Department of Commerce and Insurance | $100.00 |
| Bail bond and surety recovery license $150 for two years and $150 on each biennial renewal, which is half again what a producer pays. Pearson's candidate handbook is where the figure is printed. | Missouri Department of Commerce and Insurance | $150.00 |
| Navigator license $25 for two years and $25 on renewal, the cheapest license the Department issues and a quarter of a producer's. | Missouri Department of Commerce and Insurance | $25.00 |
| Pharmacy benefits manager application A one-time application fee that buys a single year, which makes it the most expensive and the shortest-lived license on the Missouri schedule. | Missouri Department of Commerce and Insurance | $1,000.00 |
| Service contract provider registration A ceiling rather than a fixed figure: section 385.302.1 has the director set the fee by rule at not more than $300 annually. | Missouri Department of Commerce and Insurance | $300.00 |
| Self-service storage limited lines license The Department prints $100 among the four requirements on its Other Licensees page, which is the same figure a full producer pays for a license that reaches one kind of cover. | Missouri Department of Commerce and Insurance | $100.00 |
| General bail bond agent assignment Not a fee to the Department but a sum assigned: Pearson's candidate handbook prints "Specific affidavits and assignment of $10,000" as the special requirement for this license and for no other. An assigned sum is security rather than a charge, so it is scoped to nothing and no cost page totals it. Found on 2026-08-21 by reading a built page that read $10,175 for a $175 license. | Missouri Department of Commerce and Insurance | $10,000.00 |
| Public adjuster bond A corporate surety bond rather than a payment, conditioned on a satisfactory accounting of funds received in settlement of claims. A separate $1,000 bond is filed for each employee engaged as a public adjuster or solicitor. A bond is a sum guaranteed rather than a sum paid, so it is scoped to nothing and no cost page totals it. What the applicant actually pays is a surety premium, which is a fraction of this figure and is not published by any regulator. Found on 2026-08-21 by reading a built page that had added the penal sum to a license fee. | A corporate surety | $10,000.00 |
| Public adjuster solicitor bond The per-employee corporate surety bond at section 325.020.1, which is the figure Pearson's handbook prints against this license. A bond is a sum guaranteed rather than a sum paid, so it is scoped to nothing and no cost page totals it. What the applicant actually pays is a surety premium, which is a fraction of this figure and is not published by any regulator. Found on 2026-08-21 by reading a built page that had added the penal sum to a license fee. | A corporate surety | $1,000.00 |
| Vehicle protection product warrantor registration Section 385.409.3 RSMo sets a ceiling rather than a price: the director "may charge each registrant a reasonable fee to offset the cost of processing the registration and maintaining the records in an amount not to exceed five hundred dollars annually or as set by regulation". Two things follow that a reader should know. The fee is discretionary, so there may be none. And it is capped at $500 a year rather than fixed at it. The Department publishes no set figure on its other-licensees page, so the amount is recorded as unread rather than guessed and no cost page totals it. | Missouri Department of Commerce and Insurance | Not confirmed |
| Portable electronics insurance license Searched and not published. Sections 379.1500 to 379.1550 RSMo require the license and set no figure, and the Department's own other-licensees page says only that the law "now requires a license from the Department of Commerce and Insurance to issue or sell portable electronics insurance coverage" and links the application forms without pricing them. The same page prices a pharmacy benefits manager at $1,000 and another license at $100, so the silence here is the page's rather than this site's. The amount is left unread rather than guessed. | Missouri Department of Commerce and Insurance | Not confirmed |
| Organizational credit entity license Searched and not published. The Department's other-licensees page sets out what an organizational credit entity license authorizes, which is its employees acting as producers for credit life, credit accident and health, credit property, credit mortgage life, credit mortgage disability, credit involuntary unemployment and any other credit-related insurance the director approves, and it prices none of it. The amount is left unread rather than guessed. | Missouri Department of Commerce and Insurance | Not confirmed |
Every amount above was read at its own source between 2026-08-20 and 2026-09-05. Exam and fingerprint charges go to a vendor, not to the Department, and say so.
Approved courses
There is no register for the producer lines, because Missouri requires no pre-licensing course for them, and Pearson's candidate handbook says in terms that "neither the Department nor Pearson VUE endorses any particular study materials or prelicensing schools". Two things do have to be approved and neither has a list published: the twenty-four hour initial basic training the bail bond family takes, and the qualified training program a limited lines self-service storage producer files with the director. The Department publishes a continuing education course search through Sircon, which is a different thing.