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 Property & Casualty producers through Pearson VUE (a 131-question exam), 70% to pass. This bank covers the national property & casualty material plus Missouri law - the 25/50/25 compulsory auto financial-responsibility limits and mandatory uninsured-motorist coverage, the FAIR plan and guaranty association, property and auto cancellation/nonrenewal, unfair claims settlement practices, and workers compensation (ch. 287).
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. 375, 379, 303 and 287) for the state-law questions, with the statute section cited in each explanation.
The full Missouri bank contains 958 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.
Under § 374.046, RSMo, one form of relief the director may order against a violator of the insurance laws is an:
Why: Section 374.046, RSMo authorizes the director to order a person to cease and desist from the violating conduct — therefore order to cease and desist from the conduct.
Under § 375.1005, RSMo, an act in § 375.1007 is an improper claims practice if committed in conscious disregard of the act, or committed with such frequency as to indicate...?
Why: Section 375.1005(2), RSMo triggers when the act is committed with such frequency as to indicate a general business practice — therefore that option.
Under § 375.141, RSMo, mishandling client funds is a ground for discipline when a producer does what with the money?
Why: Section 375.141, RSMo lists improperly withholding, misappropriating, or converting money as a ground — therefore withholds, misappropriates, or converts it.
A policy names two insureds; only one has his license revoked. Under § 379.114, RSMo, what may the insurer do?
Why: Section 379.114.1(2), RSMo bars canceling the policy but permits a named exclusion of the revoked driver.
A Homeowners insured suffers theft of firearms. The special Coverage C limit for theft of firearms is commonly:
Why: Theft of firearms is subject to a special sublimit (commonly $2,500) under Coverage C; collections worth more should be scheduled.
Under § 379.114, RSMo, does renewing a policy waive grounds for cancellation that existed before renewal but were unknown to the insurer?
Why: Section 379.114.2, RSMo provides renewal is not a waiver as to grounds existing before renewal and unknown to the insurer.
Under § 375.071, RSMo, if participation in the registry serves the public interest, the director may adopt uniform standards by:
Why: Section 375.071, RSMo lets the director adopt uniform standards by rule when participation serves the public interest — therefore rule.
The CAN-SPAM Act primarily regulates:
Why: CAN-SPAM sets rules for commercial email, including truthful subject lines and sender information, a functioning opt-out, and inclusion of a valid postal address.
Under § 303.020, RSMo, the term 'owner' of a motor vehicle refers primarily to a person who holds what?
Why: Section 303.020(9), RSMo defines 'owner' as a person who holds the legal title to a motor vehicle.
Under § 375.775, RSMo, a covered claim for the return of unearned premium is limited to an amount not exceeding...?
Why: Section 375.775.1(2), RSMo caps a covered claim for unearned premium at not exceeding twenty-five thousand dollars per policy — therefore that option.
Under § 375.012, RSMo, 'personal lines insurance' is property and casualty coverage sold to:
Why: Section 375.012, RSMo defines personal lines insurance as P&C coverage sold to individuals and families for primarily noncommercial purposes — therefore individuals and families for noncommercial purposes.
Under § 375.995, RSMo, an insurer may take marital status into account only for the purpose of...?
Why: Section 375.995, RSMo allows marital status to define persons eligible for dependents' benefits — therefore that option.
An owner stops insuring a stored, inoperable car under § 303.025, RSMo, but then drives it. What offense results from operating it during the claimed storage period?
Why: Section 303.025.1, RSMo makes operating a vehicle during a claimed storage period a class B misdemeanor.
A producer's license is currently under suspension. Under § 375.076, RSMo, an insurer may pay that producer:
Why: Section 375.076, RSMo bars paying any consideration to a producer whose license is under suspension — therefore no commissions of any kind.
A business decides not to manufacture a dangerous chemical at all to eliminate the chance of related liability claims. This is an example of risk:
Why: Risk avoidance eliminates the possibility of a particular loss by not engaging in the activity that creates the exposure.
The doctrine of reasonable expectations holds that coverage should be interpreted according to:
Why: Under reasonable expectations, ambiguous policy terms are interpreted to honor the coverage a reasonable insured would expect, especially given contracts of adhesion.
What is the key conceptual difference between an occupational disease and an accidental injury under workers' compensation?
Why: An occupational disease arises gradually from repeated exposure or conditions inherent to the occupation, whereas an accidental injury results from a sudden, identifiable event.
Which optional coverage can be added to a BOP to cover liability arising from autos the insured hires or borrows but does not own?
Why: Hired and Non-Owned Auto liability can be added to a BOP to cover liability arising from autos hired or used in the business that the insured does not own.
A bond that guarantees the contractor will complete the project according to the contract terms is a:
Why: A performance bond guarantees completion of the work per the contract specifications.
A producer shows good cause for being unable to finish CE before renewal. Under § 375.020, RSMo, the director may grant an extension not exceeding:
Why: Section 375.020, RSMo lets the director grant a CE extension not exceeding one calendar year — therefore one calendar year.
Under § 303.025, RSMo, a person who drives another's car knowing the owner has no financial responsibility violates the section unless the driver has what?
Why: Section 303.025.1, RSMo excuses such a driver only if the person has financial responsibility covering that use.
Most Professional Liability/E&O and D&O policies are written on what kind of trigger?
Why: Professional and management liability lines are typically claims-made, with a retroactive date and ERP options.
Under § 375.025, RSMo, a temporary producer license may be issued, without an examination, for a period not to exceed:
Why: Section 375.025, RSMo allows a temporary license for a period not to exceed ninety days — therefore ninety days.
Under the Building and Personal Property Coverage Form, which coverage applies to the building structure and permanently installed fixtures?
Why: Coverage A (Building) covers the described building, completed additions, fixtures, permanently installed machinery, and equipment.
Under § 384.045, RSMo, when a surplus lines licensee accepts business from another duly licensed broker, the licensee may:
Why: Section 384.045, RSMo permits the surplus lines licensee to compensate that agent or broker — therefore compensate that agent or broker.
Why does Part One (Workers Compensation) of the standard policy contain no dollar limit of liability?
Why: Part One has no policy limit because the insurer agrees to pay whatever benefits the state statute requires; the statute, not the policy, controls the amount.
The director orders a civil penalty after a hearing. Under § 374.280, RSMo, it may be recovered by civil action once it remains unpaid within:
Why: Section 374.280, RSMo allows recovery by civil action of a penalty unpaid within ten days — therefore ten days.
Under § 287.020, RSMo, for non-occupational-disease claims, 'death' as a basis for compensation must result within how long after the accident?
Why: Section 287.020.4, RSMo defines death as resulting within three hundred weeks after the accident.
Under § 379.825, RSMo, the maximum FAIR plan limit of liability on commercial property at one location is...?
Why: Section 379.825.4, RSMo sets the commercial maximum at one million dollars per location — therefore that option.
Under § 375.041, RSMo, each authorized insurer must file its annual statement convention blank with the NAIC on or before:
Why: Section 375.041, RSMo requires filing the annual statement convention blank with the NAIC on or before March first — therefore March first of each year.