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How to Renew a Missouri Insurance License

Missouri Department of Insurance

Helpful Links

ph: (573) 751-3518

fax: (573) 526-3416

email: lh@insurance.mo.gov  or  pc@insurance.mo.gov

website: http://www.insurance.mo.gov/

Find your license number

Print your license

View your CE transcript

File a renewal application

1. Review the State Requirements

In order to renew your insurance license, you must complete the required continuing education hours for the lines of insurance that you are licensed in. All of the hours must be completed and reported prior to your license renewal date to avoid a lapse in your license.

GENERAL REQUIREMENTS:

Total Hours

16 hours biennially for Producers

12 hours biennially for Navigators

8 hours biennially for Title Producers

Compliance Renewal Date

Licenses renew 2 years from the license issuance date every 2 years thereafter.

You may also need to take specific courses or earn specific credit types to renew your license. These course completions will count toward the total hour requirement.

LINE-SPECIFIC REQUIREMENTS:

Courses must be in license type held. If multi-licensed, any course is allowed.

For All Licenses:

Ethics
3 hrs - Producers and Navigators must complete 3 hrs of Ethics as part of the total requirement.

For Life & Health Producers:

Annuity Suitability
4 hrs - Effective March 30, 2017:  Producers must complete a one-time 4-hour Annuity Suitability Certification Training prior to selling, soliciting, or negotiating annuity products.

Long-Term Care
8/4 hrs - Producers must complete an initial 8-hour Long-Term Care (LTC) Certification Training prior to selling, soliciting, or negotiating Long-Term Care products/policies. After completing the initial requirement, producers must complete a 4-hour LTC ongoing training, due every renewal thereafter.

For Property & Casualty Producers:

Flood
3 hrs - Property/Casualty and Personal lines producers must complete a one-time 3-hour course on NFIP Flood Insurance Certification Training prior to selling flood insurance policies.

There are also additional rules about how the course hours can be applied.

CARRYOVER HOURS:

Excess hours may be carried over to the next renewal period.

COURSE REPETITION:

Courses may not be taken more than once in a reporting period.

If you meet any of criteria below, you may be exempt from the continuing education requirements.

EXEMPTIONS:

  • Non-residents
  • Individuals who are at least 70 years old
  • Individuals who have suffered a serious physical injury or illness
  • Individuals on active duty in the Armed Forces for an extended time
  • Individuals who reside outside the United States
  • Individuals who sell limited line credit in connection with a loan
  • Individuals who sell only crop insurance or pre-arranged funeral plan insurance

2. Register for and Complete Courses

Once you have determined the renewal requirements for your license, you can register for courses. Each course has an associated credit type; when registering for courses, select courses with credit types that will help to fulfill the renewal requirements for your license.

PreLicenseTraining.com offers classroom, webinar, online, and self study courses for Missouri. You can register for courses at CE Courses.

You must fulfill the course requirements for each of the courses to have them reported.

  • Classroom and webinar course completions are based off of attendance and participation and do not require a completion exam. You must be present for the full duration of the course and be active and attentive throughout to receive credit.
  • Online and Self Study courses are self-paced. You must review the course material and pass the Certification Exam at the end to receive credit.*

MONITOR REQUIREMENTS:

Effective 9/30/2016, Online and self study exams are do not requre a monitor.

REPORTING METHOD:

Once a course has been completed, the completion must be reported to the state. PreLicenseTraining.com will report the course completions to State Based Systems (except for Navigator CE).  Navigators must submit their completion certificates to the state.


3. File a Renewal Application

Once you have satisfied the renewal requirements for your license, you can file a renewal application at www.sircon.com.


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