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 1004 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.
Which practice does § 375.995, RSMo specifically list as prohibited sex discrimination?
Why: Section 375.995.4(4), RSMo lists denying dependent coverage to husbands of female employees when available to wives of male employees — therefore that option.
In a reinsurance arrangement, the company that transfers (gives up) part of its risk is called the:
Why: The ceding insurer is the original insurer that cedes a portion of its risk to a reinsurer.
Under § 375.020, RSMo, a CE provider must certify a producer's completion of an approved course to the director within:
Why: Section 375.020, RSMo requires a provider to certify course completion within thirty working days — therefore thirty working days.
Under § 375.071, RSMo, the director is authorized to participate in a:
Why: Section 375.071, RSMo authorizes the director to participate in a centralized producer license registry — therefore centralized producer license registry.
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.
Under the BACF, newly acquired autos are covered automatically if:
Why: A newly acquired auto is automatically covered if it qualifies under the symbol designation, often with a notice requirement (e.g., 30 days) for some coverages.
In auto insurance, "stacking" of uninsured motorists coverage refers to:
Why: Stacking allows an insured to add together the UM limits for each insured vehicle (or policy) to increase the total amount available.
Under § 374.210, RSMo, a person who knowingly makes a false statement under oath in a department examination is guilty of a:
Why: Section 374.210, RSMo makes a knowing false statement under oath a class E felony — therefore class E felony.
Under § 379.825, RSMo, for FAIR plan limits, 'location' means property in a single building or in contiguous buildings under...?
Why: Section 379.825.4, RSMo defines 'location' as property in a single building or contiguous buildings under one ownership — therefore that option.
Under § 375.771, RSMo, sections 375.771 to 375.779 shall be referred to as what?
Why: Section 375.771, RSMo provides sections 375.771 to 375.779 shall be referred to as the 'Missouri Property and Casualty Insurance Guaranty Association Act' — therefore that title.
An agency applies for a business entity producer license. Under § 375.015, RSMo, the application must designate:
Why: Section 375.015, RSMo requires a business entity to designate a licensed producer responsible for compliance — therefore a licensed producer responsible for compliance.
A homeowners insurer gives policyholders a free water-leak sensor to reduce claims. Under § 379.402, RSMo, this offering is...?
Why: Section 379.402.1, RSMo permits products intended to prevent or mitigate loss and reduce claims, and § 379.402.3 says they are not a rebate — therefore a permitted loss-mitigation product.
Under § 287.030, RSMo, a non-construction employer is generally subject to the workers' compensation law when it has how many employees?
Why: Section 287.030.1(3), RSMo makes an employer subject to the chapter with five or more employees absent an election.
Under § 375.161, RSMo, the certificate authorizing a company to do insurance business is renewed annually as of what date?
Why: Section 375.161, RSMo provides the certificate is renewed annually as of July first — therefore July first.
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.
An injured worker recovers WC benefits, then sues and recovers from a negligent third party who caused the injury. The WC insurer typically has what right regarding that recovery?
Why: The WC insurer generally has subrogation (lien) rights against a third-party recovery, allowing it to be reimbursed for benefits paid out of the worker's recovery.
A producer (agent) represents the interests of the insurer, while a broker generally represents the interests of the:
Why: A broker typically represents the insured or applicant in seeking coverage, whereas an agent represents the insurer.
Under § 375.158, RSMo, an insurer doing business in Missouri may pay a commission for obtaining insurance only to...?
Why: Section 375.158.3, RSMo allows commissions only to a licensed insurance producer or licensed business entity producer — therefore that option.
Under § 303.025, RSMo, a first violation of the duty to maintain motor vehicle financial responsibility is punishable as what?
Why: Section 303.025.3, RSMo makes a first violation a class D misdemeanor.
Under § 379.112, RSMo, the §§ 379.110–379.120 provisions apply to covered policy portions taking effect after what date?
Why: Section 379.112, RSMo applies to covered coverages taking effect subsequent to September 28, 1973.
Under § 375.001, RSMo, an insurer's determination not to issue a policy replacing one at the end of the policy period is...?
Why: Section 375.001.2(3), RSMo defines 'nonrenewal' as the determination not to issue a replacing policy at the end of the policy period — therefore that option.
An insured submits completed proof of loss, but the insurer neither affirms nor denies coverage for months. Under § 375.1007, RSMo, this improper delay follows the insurer's receipt of...?
Why: Section 375.1007(7), RSMo forbids failing to affirm or deny coverage within a reasonable time after proof of loss statements are completed and communicated — therefore that option.
The HO-2 form covers personal property against:
Why: HO-2 insures both the dwelling and personal property on the broad form named-perils basis.
Under the PAP, the policy period and territory provision means coverage applies to accidents occurring:
Why: Coverage applies to losses occurring during the policy period shown in the Declarations and within the defined policy territory.
Under § 375.025, RSMo, a temporary license may be issued to the surviving spouse or personal representative of a producer who:
Why: Section 375.025, RSMo allows a temporary license to a surviving spouse or personal representative of a producer who dies or becomes disabled — therefore dies or becomes disabled.
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.
Under § 375.006, RSMo, immunity for statements about cancellation reasons extends to the insurer, its agents, and any...?
Why: Section 375.006, RSMo extends immunity to any firm or person furnishing the insurer information as to reasons for cancellation or nonrenewal — therefore that option.
Under a value reporting form, what happens if the insured underreports values at the last report before a loss?
Why: The full reporting (honesty) clause penalizes underreporting by limiting recovery to the ratio of the value last reported to the actual value.
Under § 287.037, RSMo, an S corporation shareholder may individually elect to reject coverage if the shareholder has at least what ownership interest?
Why: Section 287.037.2, RSMo permits a shareholder with at least forty percent interest to reject coverage.
Under § 375.116, RSMo, a producer may charge an insured compensation beyond commissions only if it is based on...?
Why: Section 375.116.3, RSMo requires any right to compensation other than commissions be based on a written agreement with the insured — therefore that option.