Series 50 Life Insurance Producer
The Missouri life insurance exam.
The Missouri life insurance exam is 90 scored questions, about 10 unscored pretest questions, in 120 minutes, passing at a scaled 70, $32 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Missouri outline. The first questions are free, and the full License Pass is $149, yours until you pass. Below are the licensing steps, exactly what the exam covers, and free practice questions written to this state's outline.
At a glance
| Exam | Series 50 Life Insurance Producer |
| Scored questions | 90 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | 70 (scaled score, scale 0-100) |
| Exam fee | $32 |
| Testing vendor | Pearson VUE |
| Retake rules | Must wait 1 day before scheduling a reexamination |
| Prelicensing education | not required for the life line |
Verified against official Pearson VUE materials, Content outlines effective February 1, 2026 (#122601, 02/2026 edition); Candidate Handbook #122600, March 2026. Specs change; confirm when you register.
How to get your Missouri life insurance license
- 1
Meet the basics
Be 18 or older and able to pass the background screening. Missouri handles licensing through the NIPR system like most states.
- 2
Study the exam outline
Missouri does not require prelicensing education for the life line, so your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $32 exam fee.
- 4
Pass the exam
Walk in knowing the format, 90 scored questions in 120 minutes, passing at a scaled 70. About 62% of first-time life exam takers pass nationally (NAIC, latest published data).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Missouri exam covers
From the official exam outline, each section's share of the exam and how many of the 90 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Life General Knowledge | 17% | 15 questions |
| Life General Knowledge | 17% | 15 questions |
| Life General Knowledge | 13% | 12 questions |
| Life General Knowledge | 9% | 8 questions |
| Missouri-Specific | 22% | 20 questions |
| Missouri-Specific | 22% | 20 questions |
Free Missouri practice questions
Original questions written to the Missouri outline, the same bank our students drill. Tap a question to check the answer.
Question 1Which product credits a current interest rate that can move up or down but is backed by a guaranteed minimum rate, while keeping a fixed premium and fixed death benefit?
- A. Interest-sensitive whole life
- B. Variable universal life
- C. Term life
- D. Modified endowment contract
Show the answer
Answer: A
Interest-sensitive whole life (also called current assumption whole life) keeps the fixed premium and fixed face amount of whole life but credits a current interest rate with a guaranteed minimum. Variable universal life has flexible premiums and no guaranteed cash value. Term life has no cash value. A modified endowment contract is a tax classification, not a product design.
Life General Knowledge: Types of Policies > Interest/market-sensitive/adjustable life products (interest-sensitive whole life)
Question 2What is the main feature of a single premium annuity?
- A. The owner pays one lump sum to fund the contract
- B. The owner pays flexible amounts whenever they wish
- C. The owner pays level premiums for life
- D. The owner pays premiums only during the payout period
Show the answer
Answer: A
A single premium annuity is funded with one lump sum payment. Flexible amounts describe a flexible premium annuity, not single premium. Level premiums for life describe certain life insurance products, not this annuity type. You do not pay premiums during the payout phase; that is when the annuity pays you.
Life General Knowledge: Types of Policies > Annuities (single/flexible premium)
Question 3A student confuses joint life and survivorship life; which statement correctly distinguishes them?
- A. Joint life pays at the second death and survivorship pays at the first
- B. Joint life pays at the first death and survivorship pays at the second
- C. Both pay a death benefit at each insured's death
- D. Both are single-life policies with a spouse rider
Show the answer
Answer: B
The correct distinction is that joint life (first-to-die) pays at the first death, while survivorship life (second-to-die) pays at the second death. The reversed version is the common student mistake. Neither plan pays a benefit at each death, because each is a single contract that pays once. Neither is a single-life policy with a spouse rider; both insure two lives under one plan.
Life General Knowledge: Types of Policies > Combination plans and variations (joint life; survivorship life)
Question 4A policy pays the full face amount at death or, if the insured is terminally ill, allows an early payout of part of the death benefit while still living. This early payout feature is the:
- A. Accelerated death benefit
- B. Cash value loan
- C. Dividend option
- D. Settlement option
Show the answer
Answer: A
The accelerated death benefit lets a terminally or chronically ill insured receive part of the death benefit before death. A policy loan borrows against cash value and must be repaid, unrelated to illness. Dividend options apply to participating policies and involve returns of overcharged premium. Settlement options decide how the death benefit is paid to a beneficiary after death, not before.
Life provisions: accelerated death benefits
Question 5How does the suicide exclusion differ from the contestable period in a life insurance policy?
- A. They are the same thing under different names
- B. The suicide clause limits payment for suicide during an early period, while the contestable period lets the insurer challenge claims based on misstatements
- C. The contestable period only applies to suicide, and the suicide clause applies to fraud
- D. The suicide clause lasts forever, but the contestable period expires immediately
Show the answer
Answer: B
The suicide clause addresses death by suicide in the early years, while the contestable period lets the insurer investigate and deny claims based on material misrepresentations on the application. They are separate provisions, so the first choice is wrong. The contestable period is not limited to suicide, so the third is wrong. The suicide clause does not last forever, and the contestable period does not expire immediately, so the fourth is wrong.
Life policy exclusions and provisions: suicide clause versus incontestability (concept).
Take the free Missouri practice test, every question with the answer and the explanation
Missouri exam FAQs
How many questions are on the Missouri life insurance exam?
90 scored questions, plus about 10 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Missouri exam?
You need a scaled 70 to pass.
How much does the Missouri life insurance exam cost?
The exam fee is $32 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Missouri exam?
Must wait 1 day before scheduling a reexamination. About 62% of first-time life exam takers pass nationally (NAIC, latest published data). Failing once is common, and the fix is drilling the sections your score report names.
Does Missouri require prelicensing education before the exam?
No. Missouri does not require prelicensing education for the life line, which means how you study is up to you and practice exams carry more of the load.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a state-approved prelicensing education provider, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with an approved provider; your state insurance department publishes the approved list. What we do is make sure that when you sit down for the real exam, the questions feel familiar.
Practice the Missouri exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (90 questions, 120 minutes), and a mastery map that shows what to study next.
A free placement plus free practice questions. No card to start.