Part of the expanding PassProfessor catalog: 9,245 questions, written to Pearson VUE’s current Missouri content outline and independently audited. Join the notify list and we will email you when enrollment opens.
What’s included
A Missouri bank, not a national bank with a Missouri chapter. The Missouri exam puts 40 of its 140 scored questions — nearly 29% of your score — on Missouri statutes, rules, and regulations: the Director of Commerce and Insurance, licensing requirements, the Missouri FAIR Plan, the Missouri Insurance Guaranty Association, motor vehicle financial responsibility, and Missouri workers’ compensation. Our Missouri bank holds 9,245 questions, and 1,751 of them test Missouri law specifically, organized under the same headings the official outline uses — Licensing Requirements, Marketing Practices, the FAIR Plan, the Guaranty Association, and the rest. That is the section national courses cover most lightly, and it is where this program is deepest.
An explanation on every question. Every one of the 9,245 questions explains why the correct answer is right and why the tempting alternatives are wrong, in plain language. The explanation is the lesson; the question is how you find out you need it.
Practice exams at the real exam’s weights. Each full practice exam is generated fresh for that attempt — 100 general-knowledge questions and 40 Missouri-law questions in the same proportions Pearson VUE uses, with the general sections weighted the way the official outline weights them (the two Types of Policies sections carry the most). Questions you have not seen come first, and you never sit the same exam twice.
Drills that match how the exam is built. Drill a single outline section — Missouri licensing requirements, homeowners and dwelling forms, casualty policy provisions, Missouri motor vehicle rules — or sit the full 140-question simulation against the clock. Your results break down by outline section, so a weak area shows up in your practice data before it shows up on a score report.
Questions that stay honest. Every item in the program is monitored from real student responses. Questions students find suspiciously easy or suspiciously hard are pulled for review, and anything found wrong is fixed or retired — the bank you practice on is the bank as it should be.
Built for a state with no course requirement. Because Missouri requires no pre-licensing course, there is no syllabus marching you through this material in a set order — and no course completion standing between you and an exam date. That freedom cuts both ways: the candidates who struggle are usually not the ones who studied too little overall, but the ones who studied in the wrong proportions — heavy on national policy forms they half-knew from work, light on the Missouri rules they had never seen. This program is organized so the proportions take care of themselves: the outline is the table of contents, the drills follow it section by section, and the full simulations hold the 100-to-40 general-to-Missouri ratio on every attempt.
Part of a 50-state program. Missouri is one of 50 state P&C programs PassProfessor has built the same way — 478,523 original practice questions program-wide, every state bank written to that state’s own published outline and its own statutes, every question explained. If you later add a nonresident license or move your career across a state line, the program you already know is waiting in the next state too, at the same $29.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Missouri licenses property and casualty producers through one combined exam — Exam 55, the Property and Casualty Insurance Producer exam, given by Pearson VUE: 140 scored questions in 3 hours, and a scaled score of 70 to pass. PassProfessor’s Missouri program will give you 9,245 original practice questions built on Pearson VUE’s current Missouri content outline — including 1,751 questions on Missouri statutes and rules alone — with an explanation on every question and full practice exams generated fresh, at the real exam’s weights, every time you sit one. A free sample comes with the program; the full Missouri program will be $29 when enrollment opens.
The real exam at a glance
Current as of October 2026, per the Pearson VUE Missouri Insurance Licensing Candidate Handbook (publication #122600, March 2026) and the Missouri Insurance Content Outlines (publication #122601, effective February 1, 2026). Full detail — eligibility, registration, retakes, test day — is in our Missouri insurance exam guide.
| Missouri Property and Casualty Insurance Producer exam (Exam 55) | |
|---|---|
| Administered by | Pearson VUE, for the Missouri Department of Commerce and Insurance (DCI) |
| Questions you will see | 155 |
| Scored questions | 140 (100 general knowledge + 40 Missouri statutes and rules) |
| Unscored pretest questions mixed in | 15 (you cannot tell which they are) |
| Time limit | 3 hours (180 minutes) |
| Passing standard | Scaled score of 70 |
| Exam fee | $40, paid to Pearson VUE when you reserve |
| License application fee | $100, paid to the Department after you pass (separate from the exam fee) |
- Missouri requires no pre-licensing education for this license. The Department states it plainly: Missouri does not require pre-licensing courses, and the handbook’s license table lists the education requirement for a producer as “None.” There is no course you must complete before the exam — you prepare, pass, and apply. Preparation is optional in Missouri; passing is not.
- A scaled score of 70 is not 70%. Pearson VUE converts results to a scaled score (the scale runs 0 to 100) so different exam forms demand the same knowledge. The handbook is explicit that your scaled score is neither the number nor the percentage of questions you answered correctly. Plan to practice comfortably above the line, not on it.
- The handbook gives candidates the option to test online or at a Pearson VUE test center (candidates testing with accommodations test at a physical center).
- Missouri also offers the two lines separately — Exam 52 (Property) and Exam 53 (Casualty), each $32 and 2 hours — but Exam 55 is the single combined sitting that covers both lines at once, and it is the exam this program prepares you for.
- After you pass, the license runs two years: a $100 biennial renewal, with 16 hours of continuing education every two years for producers holding property and/or casualty authority. None of that is due before the exam — it is listed here so the full cost of the license, not just the exam, is on one page.
- You apply for the license after passing: wait 24–48 hours for your result to load, then apply through NIPR. All Missouri exam scores are valid for one year — if you do not complete your application inside that year, the exam must be retaken.
How the practice maps to the real exam
Every question in the Missouri bank is tagged to a section of Pearson VUE’s current Missouri content outline — the same outline the real exam is built from. Counts below are the bank itself, counted question by question.
Read the table the way the exam is weighted. The general sections are the bulk of the bank because they are the bulk of the exam — but notice the Missouri rows: seventeen distinct Missouri-law topics, each drilled separately, from the 439-question Licensing Requirements set down to the 11-question Binders set. That granularity is deliberate. A candidate who is strong on Missouri marketing practices but shaky on the FAIR Plan does not need “more Missouri law” — they need the FAIR Plan set, and the table below is the map that takes them straight to it.
| Official outline section (scored questions on the real exam) | Practice questions |
|---|---|
| General knowledge — Property | |
| I. Types of Policies (22) | 1,649 |
| II. Insurance Terms and Related Concepts (15) | 2,249 combined with Casualty V below — the bank tags both Terms sections under one heading |
| III. Policy Provisions and Contract Law (13) | 974 |
| General knowledge — Casualty | |
| I. Types of Policies, Bonds, and Related Terms (23) (outline §IV) | 1,724 |
| V. Insurance Terms and Related Concepts (15) | (counted in the combined Terms row above) |
| III. Policy Provisions (12) (outline §VI) | 898 |
| Missouri statutes, rules, and regulations — Common to All Lines (20) | |
| Licensing Requirements | 439 |
| Marketing Practices | 181 |
| Director of Commerce and Insurance | 135 |
| Missouri Insurance Guaranty Association | 84 |
| Fiduciary Responsibilities | 60 |
| Certificate of Authority | 38 |
| Commissions and Compensation | 34 |
| Missouri statutes, rules, and regulations — Pertinent to Property (10) | |
| Missouri FAIR Plan | 177 |
| Cancellation/Nonrenewal | 42 |
| Inland Marine | 40 |
| Homeowners Policies | 39 |
| Binders | 11 |
| Missouri statutes, rules, and regulations — Pertinent to Casualty (10) | |
| Motor Vehicle Insurance | 206 |
| Workers Compensation | 128 |
| Medical Malpractice Insurance | 51 |
| Claim Settlement Practices | 45 |
| Commercial Policies | 41 |
| Total (140 scored) | 9,245 |
How to use it
- Join the notify list today. When enrollment opens, start with free sample questions — a fixed set of Missouri questions across both parts of the outline, with full explanations — enough to see how the program teaches and where you stand.
- Drill the Missouri-law sections early. They are 40 of 140 scored questions — nearly 29% of the exam — and the most concrete material on it: licensing rules, day counts, dollar figures, named Missouri institutions. Most candidates leave them for last; the score report is where that shows.
- Drill by outline section. Work your weakest general-knowledge sections (the two Types of Policies sections together carry 45 of the 100 general questions) until the misses stop repeating.
- Sit full generated exams against the clock. 140 scored questions in 3 hours, with 15 pretest items mixed in, is a pace of a little over a minute per question. Practice the pace, not just the material.
- Book the real exam through Pearson VUE when your practice scores sit comfortably above passing on full simulations — then, after you pass, wait for your result to load (24–48 hours) and apply to the Department through NIPR within one year of your exam date.
Pricing
$29 — the full Missouri program, when enrollment opens. All 9,245 questions, every explanation, unlimited fresh practice exams and section drills. If it isn’t for you, our refund policy gives you 14 days provided you have attempted less than 20% of the program (see the site Terms for the full policy).
For comparison, as of October 2026: WebCE’s practice-only Exam Tutor costs $39.95 with no published question count; Kaplan’s standalone InsurancePro QBank starts at $69; full pre-licensing courses from the national providers run $129 to $349 — in a state that does not require you to take one. This program is the practice itself, priced below every one of them.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Frequently asked questions
How many questions are on the Missouri property and casualty exam?
You will see 155 questions in 3 hours. Of those, 140 are scored — 100 on general insurance knowledge (50 property and 50 casualty) and 40 on Missouri statutes, rules, and regulations — and 15 are unscored pretest questions (5 in each part) mixed in so you cannot identify them. Treat every question as if it counts, because you cannot tell which ones do not.
What score do I need to pass the Missouri P&C exam?
A scaled score of 70. Pearson VUE scales results onto a 0–100 scale so that every version of the exam demands the same level of knowledge, which means a scaled 70 is not the same thing as answering 70% of the questions correctly — the handbook says the scaled score is neither the number nor the percentage answered correctly. The only score that matters is the one on your official score report.
Does Missouri require a pre-licensing course before the exam?
No. Missouri does not require pre-licensing courses for a producer license — the Department of Commerce and Insurance says so on its resident-producer requirements page, and the candidate handbook’s license table lists the education requirement for a producer as “None.” You may prepare however you choose, take the Pearson VUE exam, and then apply.
How much does it cost to get a Missouri P&C license?
The exam fee is $40, paid to Pearson VUE when you reserve your appointment. After you pass, the license application fee is $100, paid to the Missouri Department of Commerce and Insurance with your application (filed electronically through NIPR). There is no state-required course fee, because Missouri requires no course — preparation, like this program at $29, is your choice.
Who administers the Missouri insurance exam?
Pearson VUE administers the exam for the Missouri Department of Commerce and Insurance. You reserve your appointment on Pearson VUE’s Missouri insurance page or by phone at (866) 274-4740, at least 24 hours ahead. The handbook gives candidates the option to test online or at a Pearson VUE test center; candidates testing with accommodations test at a physical center.
What do I do after I pass?
Wait 24–48 hours for your exam result to load in the system, then submit the Uniform Application for Individual Insurance Producer License electronically through NIPR, with the $100 fee. The Department verifies your passing score and background before issuing the license. After you are licensed, an insurer must appoint you — entering you in its register of appointed producers within 30 days of authorizing you — before you can sell that company’s products.
What happens if I fail?
You wait one day before scheduling a reexamination, reserve a new appointment, and test again; the $40 exam fee applies to each attempt. Reservations for a reexamination are not made at the test center. Your practice data here breaks down by the same outline sections the exam uses, so a retake plan can target the sections that cost you.
How long is my passing score good for?
One year. All Missouri exam scores are valid for one year; if your license application is not completed inside that window, the exam must be retaken.
Are these the actual exam questions?
No. Every PassProfessor question is written by us, from scratch, to Pearson VUE’s published Missouri content outline and Missouri insurance law. We never use real exam questions, recalled questions, or another provider’s bank — and using actual exam content would violate the candidate rules you agree to when you test.
Does this program count as pre-licensing education?
Missouri requires no pre-licensing education for this license, and this program is exam preparation only — it provides no education credit in any state and is not a substitute for any state-required course. It exists to prepare you for the exam itself.
Why does the Missouri-law part get its own drills?
Because it is 40 of the 140 scored questions — nearly 29% of the exam — and it is the part national study materials cover thinnest. Missouri tests its own institutions (the FAIR Plan, the Insurance Guaranty Association, the Department of Commerce and Insurance and its Director) and its own rules (licensing, marketing practices, motor vehicle financial responsibility, workers’ compensation). Our bank holds 1,751 Missouri-law questions so that section can be drilled on its own until it is the easiest part of your exam.
When can I enroll in the Missouri program?
Enrollment for this program opens as the catalog expands. Join the notify list on this page and we will email you when enrollment opens.
Disclaimer
PassProfessor is an independent exam-preparation provider. This program is exam preparation only: it is not pre-licensing education, provides no education credit, and is not affiliated with the Missouri Department of Commerce and Insurance, Pearson VUE, or any state agency or exam vendor. All practice questions are original, written to the published exam outline; they are not actual exam questions.