Missouri Seal

Missouri

state commissioner

Chlora Lindley-Myers

STATE phone
(573) 751-3518
STATE LICENSE DIVISION ADDRESS

Missouri Department of Insurance

Appointments & Terminations

Required to report appointments?

No, Registry

Appointment exemptions and notes

Appointments aren't required; Registry states must maintain an internal registry of authorized licensees to submit to the state upon request.

Initial appointment deadline rule

Registry state: Authorized licensees must be added to carrier's internal registry within 30 days of effective date

Can be processed via nipr?

No

Fees for appointing a nonresident agency or individual?

$0

Termination reasons

Registry State - Cancelled; cancelled for cause

Allows carriers to terminate the appointment if license has expired?

No

Licensing

Initial individual new license fee

Resident New License Insurance Producer: $100 Resident New License Surplus Lines Producer: $100 Non Resident New License Insurance Producer: $100 Non Resident New License Surplus Lines Producer: $100

License renewal fee

Resident Renewal Insurance Producer: $100 Resident Renewal Surplus Lines Producer: $100 Non Resident Renewal Insurance Producer: $100 Non Resident Renewal Surplus Lines Producer: $100

When does the resident individual producer license renewal period begin?

90 days before expiration

What is the resident individual producer license renewal date?

Birth date every 2 years based on year of first state license issue

Late renewal or reinstatement period for resident individual producer license?

Late renewal allowed up to one year after expiration

When does the nonresident individual producer license renewal period begin?

90 days before expiration

What is the nonresident individual producer license renewal date?

Birth date every 2 years based on year of first state license issue

Late renewal or reinstatement period for nonresident individual producer license?

Late renewal allowed up to one year after expiration

Can a producer use a P.O. Box in their resident or business address?

No

Are individuals required to list their county as part of the address?

No

What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Motor Vehicle Extended Services Contract, Risk Retention Group, Life and Health, Surplus Lines, Utilization Review, Property & Casualty, Health Maintenance Organization, Insurance Producer, Public Adjuster Corporation, Organizational Credit, Bail Bond Agent, General Bail Bond Agent, Navigator, Temporary Insurance Producer

State recognizes a licensing exemption for nonresident commercial lines producers with multistate contracts?

Yes

State broker license rule

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

Requires pre licensing courses?

No

Prelicense education requirement

Fingerprints Required?

Not Required

Where to apply for resident license?

NIPR Gateway

Other licensing notes

An applicant may not apply electronically if a resident license was held in another state within the past ninety (90) days.

What Transactions are Retaliatory Fees Applied to?

None

Submit Partial License Renewals through NIPR?

No

Has Personal Lines LOA?

Yes

Deadline to report personal data changes (address, name change, phone number, etc.)

A producer must notify the Director of a change in address or legal name within 30 days of such a change. Contact Change Request supported via NIPR Gateway.

Penalty for failure to timely report personal data changes

A producer is subject to a penalty of $10 per month for the failure to timely notify the Director of such a change.

Agency

Can a sole proprietor be licensed as an entity?

Yes

DRLP must have active state license

Yes

DRLPs must cumulatively cover all LOAs in application

No

Agency Licensing renewals

Renewal due by license issuance date, biennially

Agency License required?

Yes

Affiliations: Indicates if producers selling on behalf of/through an entity must be formally affiliated with that entity and if the entity must notify the department of changes

Missouri requires that all individual licensees working through or for a Business Entity be affiliated with the entity. Business Entities are required to notify DCI of any changes to affiliated within 20 working days.

Branch office

If the branch is operating under the same name as the licensed Business Entity, then the branch may be added to the existing license.

Deadline to report key business entity changes (address, dba, phone, email, etc.)

A business entity must notify the Director of any change in the information submitted on the license application or the termination of any producer listed on the application within 20 days of such a change. A fee is not required for any change or termination. Contact Change Request supported via NIPR Gateway.

Adjuster

Requires adjuster license?

Only Public Adjusters

Offers designated home state?

No

DHS exam required?

N/A

Reciprocity states

None

Public Adjuster Renewal Period

Annual renewal.

Emergency adjuster details

48 hours after an emergency, only public adjusters licensed in Missouri or one with a valid adjuster license from another state may adjust claims.

Public Adjuster LOAs

Public Adjuster

Public adjuster fees

Licensing Fee: $100 Renewal Fee: $50

Public adjuster exam required?

Yes

Address change request through NIPR?

Yes

Continuing Education

Total hours per renewal period

16

Renewal period

2 years

License renewal date is

Birth date

License renewal year based on...

Year of first license issuance

When is the CE due?

Prior to license expiration.

How long before expiration does state send CE reminder?

90 days prior to expiration date

Exemptions to CE

Licensees 70 years old or older are exempt from CE.

What if a producer missed the renewal date?

If you are within 12 months of expiration, you will need to complete all renewal requirements as well as submitting a per-month late fee of $25 for license reinstatement. After 12 months, you’ll need to apply for a new license.

Can rollover excess hours?

Yes

Amount of rollover credits allowed

Can only roll from one cycle to the next.

Ethics requirements

3

Credits must be specific to major LOAs?

Yes

Major lines requirements

Life or health producers must take their 16 hours in life & health or general education. Property or casualty producers must take their 16 hours in property & casualty or general education.

Flood-specific CE requirements

3 hours of NFIP course

LTC-specific CE requirements

8-hour initial certification, with 4 hours of LTC-specific training every two years

Annuity-specific CE requirements

One-time, 4-hour course

Additional line of business requirements

Title agents need 8 hours title-specific credits Resident AND non-resident bail bond, general bail bond, and surety recovery agents need 8 hours CE

Regulatory Updates

Missouri Cyber Security Reporting

Missouri posts a cybersecurity bulletin requesting insurers notify the Department of Insurance of a cybersecurity event no later than 10 days after they have become aware of a breach. Please see attached document for more information.

Missouri Implements New Transaction Type to Process Individual Primary Name Updates

Effective May 11, 2023, a new transaction type will be implemented for Missouri to process individual primary name updates.

Missouri Will Update LOA Descriptions for Surplus Lines License Classes

Effective April 14, 2023, Missouri will convert existing None LOA descriptions for Surplus Lines and Motor Vehicle Extended Service Contract to match license classes. 

Missouri Will Add Travel Business Entity License

Effective March 17, 2023, Missouri will offer a Travel Business Entity License class for Resident, Non-resident, Resident Renewal, and Non-resident Renewals.

Missouri Travel Licensing

Language surrounding Missouri Travel Licensing has been updated. Effective August 11, 2022, any insurance producer license with a major line, licensed MGA, or TPA is eligible for a Travel line of authority.

Missouri Updates Background Investigation Requirements

Individuals Requesting a pre-licensure criminal history determination under the Fresh Start Act is required to complete their request via an acceptable form. The Division or licensing board will reveal the determination within 30 days of the board meeting and no later than 4 months after the request has been submitted.

FAQs