Missouri life line
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 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Missouri Series 50 Life Insurance Producer |
| Scored questions | 90 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | a scaled 70 |
| Exam fee | $32 |
| Testing vendor | Pearson VUE |
| Retake rules | You wait 1 day before scheduling a retake. |
| Prelicensing education | not required for the life line |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Missouri life insurance license
- 1
Meet the basics
Missouri sets its own age, background check and application rules. The Missouri insurance department lists them, so read them before you book.
- 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 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 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 |
|---|---|---|
| Types of Policies | 17 percent | 15 questions |
| Life Provisions, Riders, Options, and Exclusions | 17 percent | 15 questions |
| Completing the Application, Underwriting, and Delivering the Policies | 13 percent | 12 questions |
| Retirement and Other Insurance Concepts | 9 percent | 8 questions |
| Missouri Statutes, Rules, and Regulations Common to All Lines | 22 percent | 20 questions |
| Missouri Statutes, Rules, and Regulations Pertinent to Life Insurance Only | 22 percent | 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. Variable universal life
- B. Interest-sensitive whole life
- C. Modified endowment contract
- D. Term life
Show the answer
Answer: B
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.
Question 2What is the main feature of a single premium annuity?
- A. The owner pays level premiums for life
- B. The owner pays flexible amounts whenever they wish
- C. The owner pays one lump sum to fund the contract
- D. The owner pays premiums only during the payout period
Show the answer
Answer: C
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.
Question 3A student confuses joint life and survivorship life; which statement correctly distinguishes them?
- A. Joint life pays at the first death and survivorship pays at the second
- B. Both pay a death benefit at each insured's death
- C. Both are single-life policies with a spouse rider
- D. Joint life pays at the second death and survivorship pays at the first
Show the answer
Answer: A
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.
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. Settlement option
- B. Cash value loan
- C. Accelerated death benefit
- D. Dividend option
Show the answer
Answer: C
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.
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.
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?
You wait 1 day before scheduling a retake. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). 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 prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
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.