How Do I Get an Insurance License in Missouri?

Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get. After you’ve determined which licenses you need, it’s time to begin studying for the Missouri insurance exams. The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. Life, Accident, & Health (LA&H) and Property & Casualty (P&C) lines are combined lines in Missouri, so you will take two exams if you wish to attain all of these lines of authority. Once you have completed your exams, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check initiated by the application will also be reviewed.

How Do I Get a State Adjuster License in Missouri?

The State of Missouri does not offer a Resident Insurance Adjuster License and does not require a license to practice insurance claims adjusting within the state.

How do I renew my insurance license in Missouri?

Insurance licenses expire every two (2) years on the anniversary of when the license was issued. Unlike other states, Missouri does not require you to take another exam to renew your license. If you want to submit a paper renewal application, you will need to contact the Missouri Department of Insurance Licensing Section at 573-751-3518 or <a href="http://licensing@insurance.mo.gov/">email </a>them. Otherwise, you can renew your license <a href="http://www.nipr.com/index.htm">electronically.</a> <a href="https://agentsync.io">AgentSync</a> can also help with the renewal process. There is a fee of $100 to renew your license. One thing to note: Missouri requires you to complete 16 hours of continuing education every two years.

How do I renew my nonresident insurance license in Missouri?

In Missouri, you’ll need to complete and submit the “Uniform Application for Individual” form online (if eligible) or by paper. Then, attach the $100.00 application fee if you’re submitting a paper application (Online application fees are paid at the time of submission). Checks may be made payable to the Missouri Department of Commerce and Insurance. <a href="https://agentsync.io">AgentSync</a> can also help with the renewal process. The mailing address is Missouri Department of Commerce and Insurance, PO Box 4001, Jefferson City MO 65102.

How Do I renew My Non-Resident Adjuster License in Missouri?

Missouri is one of 16 states that do not license insurance adjusters (nonresident or otherwise). This means you can legally adjust claims in your state without a license, but only in said state. Non-Resident applicants must be licensed for the same license type and lines of authority to be eligible for online submission. Additionally, Non-Resident Adjusters in Missouri are only required to complete the Continuing Education (CE) requirements of their Designated Home State (DHS). The individual must submit an adjuster’s application ($100 fee) found at Missouri Insurance Department. You may also apply on-line at The NIPR website. For more information, contact the Missouri Department of Insurance.

How Do I Renew My Adjuster License In Missouri?

Missouri is one of 16 states that do not license insurance adjusters. This means you can legally adjust claims in your state without a license, but only in said state. To adjust in the state of Missouri, you will need to obtain a Designated Home State (DHS) license. You will go through that state’s (Missouri or otherwise) licensing process, testing, and compliance regulations and their license will act as your resident, or home state license. If youre looking to become an insurance adjuster in a non-licensing state like Missouri, the Florida 70-20 DHS License is the next best thing for the following reasons: The state offers the quickest turnaround time after you submit your documents. The Florida 70-20 license is reciprocal with most states. A Florida DHS license is good for 4 years. This is not to say this is the only way to obtain a DHS license, it is simply the easiest. Many of the licensing states offer DHS licenses. So be sure to do additional research to find the best fit. For more information, contact the Missouri Department of Insurance.

Missouri Insurance Licensing & Regulatory Compliance Updates

Appointments & Terminations

Required to report appointments?

No, Registry

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

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 broker license rule

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

Requires pre licensing courses?

No

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.

Adjuster

Requires adjuster license?

Only Public Adjusters

Offers designated home state?

No

DHS exam required?

N/A

Reciprocity states

None

Independent adjuster renewal date

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.

Continuing Education

Total hours per renewal period

16

Renewal period

2 years

CE due before license renewal date?

Yes

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.

Ethics requirements

3

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

For more from agentsync

https://agentsync.io/blog/individual-producers/insurance-continuing-education-missouri

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

How Do I Get an Insurance License in Missouri?

Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get. After you’ve determined which licenses you need, it’s time to begin studying for the Missouri insurance exams. The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. Life, Accident, & Health (LA&H) and Property & Casualty (P&C) lines are combined lines in Missouri, so you will take two exams if you wish to attain all of these lines of authority.

Once you have completed your exams, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines. Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check initiated by the application will also be reviewed.
How Do I Get a State Adjuster License in Missouri?
How do I renew my insurance license in Missouri?

Insurance licenses expire every two (2) years on the anniversary of when the license was issued. Unlike other states, Missouri does not require you to take another exam to renew your license.

If you want to submit a paper renewal application, you will need to contact the Missouri Department of Insurance Licensing Section at 573-751-3518 or email them. Otherwise, you can renew your license electronically. AgentSync can also help with the renewal process.

There is a fee of $100 to renew your license.

One thing to note: Missouri requires you to complete 16 hours of continuing education every two years.
How do I renew my nonresident insurance license in Missouri?

In Missouri, you’ll need to complete and submit the “Uniform Application for Individual” form online (if eligible) or by paper. Then, attach the $100.00 application fee if you’re submitting a paper application (Online application fees are paid at the time of submission). Checks may be made payable to the Missouri Department of Commerce and Insurance. AgentSync can also help with the renewal process.

The mailing address is Missouri Department of Commerce and Insurance, PO Box 4001, Jefferson City MO 65102.
How Do I renew My Non-Resident Adjuster License in Missouri?

Missouri is one of 16 states that do not license insurance adjusters (nonresident or otherwise). This means you can legally adjust claims in your state without a license, but only in said state.

Non-Resident applicants must be licensed for the same license type and lines of authority to be eligible for online submission. Additionally, Non-Resident Adjusters in Missouri are only required to complete the Continuing Education (CE) requirements of their Designated Home State (DHS).

The individual must submit an adjuster’s application ($100 fee) found at Missouri Insurance Department. You may also apply on-line at The NIPR website.

For more information, contact the Missouri Department of Insurance.
How Do I Renew My Adjuster License In Missouri?

Missouri is one of 16 states that do not license insurance adjusters. This means you can legally adjust claims in your state without a license, but only in said state.

To adjust in the state of Missouri, you will need to obtain a Designated Home State (DHS) license. You will go through that state’s (Missouri or otherwise) licensing process, testing, and compliance regulations and their license will act as your resident, or home state license.

If youre looking to become an insurance adjuster in a non-licensing state like Missouri, the Florida 70-20 DHS License is the next best thing for the following reasons:
The state offers the quickest turnaround time after you submit your documents.
The Florida 70-20 license is reciprocal with most states.
A Florida DHS license is good for 4 years.

This is not to say this is the only way to obtain a DHS license, it is simply the easiest. Many of the licensing states offer DHS licenses. So be sure to do additional research to find the best fit.

For more information, contact the Missouri Department of Insurance.