Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real Missouri exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Missouri licenses Life and Accident & Health producers through Pearson VUE (separate 100-question exams, or a combined Life, Accident & Health exam of 145 scored questions), 70% to pass. Each exam combines general insurance knowledge with Missouri insurance law (RSMo and 20 CSR rules). This bank covers the Missouri law for both lines plus the general insurance content.
You need 70%. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Missouri Revised Statutes (ch. 374, 375 and 376) for the state-law questions, with the statute section cited in each explanation.
The full Missouri bank contains 917 questions (general insurance plus Missouri law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
A joint and survivor annuity continues payments:
Why: A joint and survivor annuity pays as long as either annuitant lives (often reducing to a percentage for the survivor).
Under § 376.691, RSMo, which of the following is an eligible group to which a group life policy may be issued?
Why: Section 376.691, RSMo lists an employer (or the trustees of a fund established by an employer) among the eligible groups; the other choices are not recognized statutory groups.
Under § 375.051, RSMo, a producer is NOT required to keep a separate bank account for each payor as long as funds are:
Why: Section 375.051, RSMo does not require a separate account for each payor if the funds are reasonably ascertainable from the producer's books and records.
Which policy combines flexible premiums with cash value invested in separate accounts and requires a securities license to sell?
Why: Variable universal life adds separate-account investing (securities-licensed) to universal life's flexible premiums.
A Missouri issuer decides to discontinue one particular product offered in the large group market. Under § 376.452, RSMo, it must notify affected plan sponsors, participants, and beneficiaries at least how far in advance?
Why: Section 376.452, RSMo requires at least ninety days' notice to discontinue a particular type of coverage in the large group market — therefore ninety days.
A point-of-service (POS) plan member who self-refers out of network will typically:
Why: A POS plan combines HMO and PPO features: in-network care needs a gatekeeper referral, while out-of-network self-referral is allowed at higher cost.
Under COBRA, the maximum continuation period for an employee who loses coverage due to termination or reduced hours is generally:
Why: Termination or reduced hours allows 18 months of COBRA continuation; events like divorce, death, or a child aging out allow up to 36 months.
The USA PATRIOT Act and related rules require insurers selling cash-value products to:
Why: Insurers offering products with cash value or investment features must have AML programs, including customer identification and suspicious-activity reporting.
Under § 375.029, RSMo, association-participation CE credit may NOT be used to satisfy:
Why: Section 375.029, RSMo bars using this credit for classroom or classroom-equivalent hours or any ethics requirement.
A contributory group life plan, in which employees pay part of the premium, generally requires:
Why: Contributory plans typically require at least 75% participation, while noncontributory (employer-paid) plans require 100%.
Under § 376.426, RSMo, benefits other than for loss of time must be paid no more than how many days after the insurer receives proof of loss?
Why: Section 376.426, RSMo requires that benefits other than loss-of-time benefits be payable not more than thirty days after receipt of proof — therefore thirty days.
Under § 376.450, RSMo, a group health issuer may impose a preexisting condition exclusion only for a condition for which advice, diagnosis, care, or treatment was recommended or received within what period ending on the enrollment date?
Why: Section 376.450, RSMo permits a preexisting condition exclusion only for conditions treated within the six-month period ending on the enrollment date — therefore the six-month period.
Under § 374.110, RSMo, the fees and expenses of examining an insurance company are paid by:
Why: Section 374.110, RSMo provides that reasonable examination fees and expenses are paid by the company, association, or exchange being examined — therefore the company being examined.
Under § 376.406, RSMo, newborn coverage must include the necessary care and treatment of which of the following?
Why: Section 376.406, RSMo requires coverage of injury or sickness including medically diagnosed congenital defects and birth abnormalities — therefore medically diagnosed congenital defects.
Under Missouri's Medicare supplement standards, the basic core benefit includes the Part A hospital coinsurance plus coverage for how many additional lifetime hospital days after Medicare benefits are exhausted?
Why: 20 CSR 400-3.650 core benefits include an additional three hundred sixty-five lifetime hospital days after Medicare is exhausted — therefore three hundred sixty-five days.
Under § 374.046, RSMo, a summary cease and desist order becomes final by operation of law if no hearing is requested or ordered within:
Why: Section 374.046, RSMo provides that if no hearing is requested and none is ordered within thirty days after service, the summary order becomes final by operation of law — therefore thirty days.
The National Association of Insurance Commissioners (NAIC) primarily:
Why: The NAIC is a coordinating body of state regulators that drafts model laws and promotes uniformity; it has no direct regulatory authority of its own.
Under § 376.735, RSMo, assessments are due not less than 30 days after written notice and accrue interest on and after the due date at:
Why: Section 376.735, RSMo states assessments are due not less than 30 days after notice and accrue interest at ten percent per annum on and after the due date.
Agreements among insurers to restrain trade or force someone out of business are the unfair practices known as:
Why: Boycott, coercion, and intimidation are unfair trade practices involving combinations or threats that restrain or monopolize the business of insurance.
Under § 376.426, RSMo, the validity of a group health policy may not be contested (except for nonpayment of premiums) after it has been in force for what period?
Why: Section 376.426, RSMo makes the policy incontestable, except for nonpayment, after two years from its date of issue — therefore two years.
Respite care, often covered by long-term care policies, is intended to:
Why: Respite care provides short-term relief for a family member or other informal caregiver.
Federal telemarketing (do-not-call) rules require that insurers and producers:
Why: Telemarketers must scrub against the national Do-Not-Call Registry and honor opt-outs.
Under § 375.936, RSMo, misrepresenting a policy to induce a policyholder to surrender or lapse it and buy another is known as:
Why: Section 375.936, RSMo defines a misrepresentation made to induce the lapse, surrender, or conversion of a policy — commonly called twisting.
Under Missouri's Medicare supplement rules, a policyholder who terminates coverage within 30 days of the annual policy anniversary is entitled to what protection?
Why: 20 CSR 400-3.650 places someone who terminates within thirty days of the annual policy anniversary in a guaranteed-issue category — therefore guaranteed issue of a new policy.
A producer wants to charge an insured a service fee beyond the filed premium. Under § 375.116, RSMo, this is allowed only if based on:
Why: Section 375.116, RSMo permits compensation beyond commission only when based on a written agreement between the producer and the insured defining the amount.
Under § 376.811, RSMo, the minimum chemical dependency benefit for a residential treatment program is not less than how many days per benefit period?
Why: Section 376.811, RSMo sets the residential treatment program minimum at not less than twenty-one days per benefit period — therefore twenty-one days.
State guaranty association protection may NOT be:
Why: Using guaranty fund protection to induce a sale is prohibited; the fund exists to protect policyholders of insolvent insurers, within limits.
An insurer knowingly accepts a late premium for months without objection, then tries to deny a claim for late payment. The insurer is likely barred by:
Why: By its conduct the insurer waived the right to insist on timely payment; estoppel prevents it from later asserting that right.
A survivorship (second-to-die) life policy pays the death benefit when:
Why: Survivorship pays at the second death; it is common in estate planning to fund estate taxes.
Under § 379.404, RSMo, the commercial-lines exclusion does not apply to producer commission reductions that are:
Why: Section 379.404, RSMo states the exclusion does not apply to producer commission reductions not included in insurance company rate filings.