How to get a Nonresident producer license in Missouri

Missouri insurance agent licenses

Missouri issues 2 insurance agent credentials. Each has its own section below; the table shows what each one covers and its headline requirements.

Applies to every license level

These rules are the same for every Missouri insurance agent license on this page, so they are shown once here. Each license's own section lists only what differs.

What it covers

Sell, solicit or negotiate insurance in Missouri in the licensed lines of authority. Insurers appoint producers by recording them in an internal register (no appointment fee).¹

Requirements

Minimum age

18 years old³⁸

Other requirements and options

Lines of authority: Life; Accident & Health or Sickness; Property; Casualty; Variable Life and Variable Annuity; Personal Lines; Credit (limited line); plus Title, Travel, Crop and Prepaid Legal by rule.⁷

Fees

How to apply

Apply online

nipr.com⁹

Application form

insurance-new.mo.gov⁹

Renewal

How often

Every 2 years⁴

When it expires

Renew biennially on the producer's birth date; DCI sends a notice 60-90 days before expiry; renewal must be complete by expiry or the license terminates.¹⁰

Renewal fee

$100⁴

Continuing education

At least 16 hours each renewal period⁵

Required topics

At least 3 hours of insurance ethics; hours need not be split among lines; content must include Missouri law, products, duties to the department and business ethics incl. suitability.⁵
Long-term care partnership sellers: 8 hours initial training, then 4 hours each two-year period (within the 16).¹¹
Excess hours carry forward to the next two-year period only; courses may not be duplicated in a renewal period; CE must be completed before renewing.⁵

Approved courses

DCI-approved courses only, completed within the biennium; providers report completions electronically (within 30 working days).¹²

Late renewal

Late renewal fee (late fee per month): $25¹³ (per month expired, up to 12 months, plus the $100 renewal fee)

If it expires

Late renewal allowed up to 12 months after expiry (proof of CE, $25/month penalty plus renewal fee, no exam); after 12 months apply as a new licensee and meet exam requirements.¹⁰

Renew online

pdb.nipr.com¹³

Who needs a Nonresident producer license

Work that does not need this license:

• No license needed for listed exempt persons (e.g., non-commissioned insurer employees doing administrative, underwriting or claims work; non-commissioned group enrollment staff; salaried employees advising their own employer).¹

Other rules on who may do this work:

• Variable Life/Variable Annuity requires passing FINRA Series 6 or Series 7.⁷

Requirements for a Nonresident producer license

The rules this license shares with every other level are under Applies to every license level.

Exam

Missouri-specific exam only for lines not held in the home state⁷
Not required²
Given by: Pearson VUE¹⁰
Exam waived: Waived for lines held in the home state when the home state reciprocates.²

Background check

Background check required²
Same disclosure process as residents; 1033 waiver application linked.³

Residency or citizenship

For persons whose home state is not Missouri and who hold a resident license there; no certification letter needed (verified through the Producer Database).³

How to apply

1. Apply through NIPR (or mail the application with a $100 check or money order payable to DIFP – Insurance); DCI verifies your home-state license on the Producer Database.³ nipr.com⁹

Renewal and continuing education

Exemptions

Nonresidents meeting home-state CE satisfy Missouri CE where the home state reciprocates; DCI verifies compliance through the PDB.¹⁰

Moving to Missouri with a license from another state

These are the routes the Missouri Department of Commerce and Insurance publishes for the Nonresident producer license. The other insurance agent licenses have their own routes in their sections below.

Military service members, veterans and spouses: Military renewal waiver and one-time fee waiver as for residents.¹³

Resident insurance producer license

Requirements

Education or training

Alternative: Before selling Long-Term Care Partnership policies: 8 hours of initial Partnership training.¹¹

Exam

Missouri insurance producer examination for each line (Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, Crop, Title, Surplus Lines)⁹
Given by: Pearson VUE (independent testing service contracted by DCI)¹⁰
When you can take it: No prerequisite course: register directly with the testing service; pass the exam before applying.⁹
Tests the lines applied for, producer duties and responsibilities, and Missouri insurance laws and regulations.⁶
Retakes: Failed or missed exams: reapply and pay all fees again before rescheduling.⁶
Time limit: Apply for the license within one year of passing; otherwise retake the exam.¹⁰
Exam waived: No exam for lines held in another state (except Title) if currently licensed or applying within 90 days of cancellation; producers moving to Missouri apply within 90 days of relocating.¹⁰

Background check

Background check required⁸
A criminal record is not an automatic bar: give a signed statement and certified charging and judgment documents with the application; 18 U.S.C. 1033 waiver application available.¹⁰

Residency or citizenship

Resident license for Missouri residents; others apply for a nonresident license.⁹

Also required

Report name/address changes within 30 days.⁴

Also required

Applications are deemed approved if DCI takes no action within 25 working days, unless a felony or crime of moral turpitude was disclosed.⁸

Fees

The board's pages we cite do not list the exam fee.

How to apply

1. Register with Pearson VUE and pass the Missouri exam for each line (no pre-licensing course needed).⁹ home.pearsonvue.com⁹
2. Within one year of passing, apply through NIPR (or the paper Uniform Application) and pay the $100 fee.⁹ nipr.com⁹
3. If you have a criminal history, include the statement and certified court documents (and a 1033 waiver application if needed).¹⁰ insurance.mo.gov⁹
4. Get recorded by each appointing insurer (no state appointment filing or fee).¹⁰

Temporary or provisional license

Temporary Title License (6 months, $100) while working to pass the title exam under a licensed title agent's supervision; no general temporary producer license described.⁹

Processing time

Deemed approved after 25 working days without action (unless a felony/moral turpitude conviction is disclosed).⁸

From another state

Military service members, veterans and spouses: Producers unable to renew because of military service may request a waiver of renewal procedures and related fines; CE waiver for extended active duty; one-time fee waiver for military families; exam-cost reimbursement for veterans.¹³

The rules this license shares with every other level are under Applies to every license level.

Check a license or report a problem

Before you hire an insurance agent in Missouri, you can confirm the license is current on the board's own search. Every board we cover in Missouri is on the Missouri license lookup page.

Look up a license

sbs.naic.org¹³

Laws and rules

The requirements above come from these laws and board rules.

• RSMo 375.014 (license required; exemptions)
• RSMo 375.015
• RSMo 375.016 (examination)
• RSMo 375.017 (nonresident license)
• RSMo 375.018
• RSMo 375.020 (continuing education)
• 20 CSR 700-1.010
• 20 CSR 700-3.200 (continuing education)

Common questions

Insurance agent licenses in other states

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