Missouri Property and Casualty Exam
Do you need to pass the Missouri Property and Casualty exam?
If you are searching for information about how to pass the MO Property and Casualty (P&C) insurance exam, you have come to the right place. As you will see, this page is the #1 resource for everything you need to know about how to pass the Missouri Property and Casualty Insurance Producer exam. My name is Scott Schultze, and I am the director of insurance licensing content here at PassMasters. For over 20 years, my family has been teaching people in Missouri how to get their insurance licenses.
In addition to the excellent information found on this page about passing this exam, there is also a bunch of free exam prep study materials that will help you pass this test.
Read on to find answers to the most commonly asked questions related to taking this exam. Do you have a question that isn’t answered below? If so, submit it to us on our Contact Us page and we will get right back to you and add your question to this page. If you have been studying to pass this exam and just aren’t getting it, or have taken the exam and failed, we can help. You can sign up with us here.
Missouri Property and Casualty Exam FAQ’s
- Who gives the Missouri insurance license exams?
- What types of insurance can I sell with a Missouri Property and Casualty license?
- What is the Missouri Property & Casualty Insurance Producer Exam Code?
- How many questions are on the property and casualty insurance exam in Missouri?
- What is the time limit for the exam?
- How much does it cost to take the Missouri P&C licensing exam?
- What is the minimum score required to pass?
- How long will it take for me to find out if I passed my exam?
- What will the insurance exam questions look like?
- How do I study to PASS my MO P&C test?
- How do I schedule my property and casualty insurance exam in Missouri?
- Where are the Missouri P&C insurance licensing exam given?
- What happens if I fail my insurance exam?
- Links to related websites
- Sample Property and Casualty exam prep course video
Who gives the Missouri insurance license exams?
Since insurance is regulated by state law, it is the Missouri Department of Insurance, that decides who administers the insurance licensing exam in Missouri. Did you know, in some states the insurance exam is actually given by the Department of Insurance itself? Well, not in Missouri. In MO, the Insurance Department has secured Pearson VUE, which is an IT service management company that has secured many state insurance license exam contracts throughout the nation. Pearson VUE also administers licensing exams for many other professions in MO.
It is Pearson VUE that comes up with the exam questions you will encounter on your property and casualty insurance licensing exam. Essentially, Pearson VUE administers the entire insurance license exam process for Missouri, on behalf of the Department of Insurance.
What types of insurance can I sell with a Missouri Property and Casualty insurance license?
Once you obtain your license you will be able to sell both personal and commercial lines insurance, such as dwelling, homeowners, personal and commercial auto, and other commercial property and liability policies.
What is the Missouri Property and Casualty Insurance Producer Exam Code?
You will need to know this information when you schedule your Missouri Property and Casualty exam. Here it is:
How many questions are on the property and casualty insurance exam in Missouri?
There are 165 questions total on the MO Property & Casualty insurance licensing exam. The exam is made up of two parts as follows:
Part 1 – General Knowledge – 100 scoreable questions plus 20 pretest questions
Part 2 – State-Specific Content (Missouri Insurance Regulations) – 40 scoreable questions plus 5 pretest questions
What is a pretest question? Well, before Pearson VUE can consider a test question statistically valid, they must test it out using the test takers (you) as a guinea pig. If everyone gets the answer right, or wrong, the question is deemed invalid and is not used any further.
You WILL NOT know which questions are pretest questions. However, they do not count towards your score. They are usually related to newer laws and concepts, so if you see a question out of left field, just assume it is a pretest question, do your best, answer it, and move on.
What is the time limit for the exam?
The exam has a 3-hour time limit. This breaks down to a little over one minute per question, which should be more than enough time. We have never had a study run out of time. However, it’s not a race. If you go too quickly you are guaranteed to miss a question or two simply because you misread it. Take your time and read the entire question before you look at any answers. There are no scheduled breaks during this exam, however, if you need to use the bathroom, or get a drink, do it!
How much does it cost to take the Missouri Property and Casualty exam?
The exam is $35. Keep in mind that if you fail, you must pay the $35 fee again. The fee is a one-time test-taking fee and must be paid each time the exam is taken.
What is the minimum score required to pass?
The minimum score required to pass is 70%.
How long will it take for me to find out if I passed my exam?
Once you have completed your exam, the proctor will inform you shortly thereafter by printing out and presenting you with your official score report. You will NOT be informed which questions you answered correctly, or incorrectly. If you do not pass, make sure to keep this report, as it will give you insight into those areas you will need to focus on as you continue your studies.
What will the Missouri Property and Casualty insurance exam questions look like?
All Missouri insurance exams are multiple-choice and delivered via computer. The questions you will encounter on the P&C exam in Missouri are pulled for each individual test-taker by Pearson VUE from their databank of thousands of questions. In other words, each exam is different and created for each individual test taker.
This is why it is so important to understand the concepts found in the exam outline to successfully answer any question you encounter on the exam. Below you will find a few sample Missouri property and casualty exam questions pulled directly from our Missouri P&C insurance exam prep course, which are similar to those you will encounter on the exam:
Property Sample Questions:
All of the following are true regarding the DP-2 broad form policy EXCEPT:
A. It is a named peril form
B. It is ACV on the contents
C. It contains the 80% coinsurance clause
D. Theft is a covered peril
Explanation: Theft of contents is never covered on a dwelling fire policy, although coverage for theft of personal property may be added by an endorsement called the broad form theft, or by adding a type of inland marine insurance called a personal articles floater (PAF). Do not confuse a DP policy with an HO policy.
You have an HO-3 policy on your dwelling that you are in the process of moving out of. How long are your contents that you move to your new residence automatically covered on your policy?
A. 10 days
B. 20 days
C. 30 days
D. 60 days
Explanation: This provision allows the client to have proper coverage at both the old location and the new for 30 days, since the 10% extension of coverage off premises is waived.
Casualty Sample Questions:
On a PAP, which of the following coverages is not a supplementary payment?
A. Cost of bail bonds
B. Cost of defense
C. Cost of appeal bonds
D. Accrued interest on judgments
Explanation: The cost of defense is in addition to limits, but on an auto policy it is not a supplementary payment. Instead, it is included as part of the insuring agreement. The test loves this concept. You must know the three supplementary payments on a personal auto policy include: up to $250 for the cost of bail bonds required because of an accident that results in BI or PD covered by the policy; appeals bonds and interest; and loss of earnings up to $200 a day if you are required to attend a hearing or trial related to the accident.
All are excluded on a professional liability policy EXCEPT:
C. Criminal acts
Explanation: Professional liability policies cover the insured’s legal liability resulting from negligence, errors and omissions and other aspects of rendering or failure to render professional services. Fraud, dishonesty and criminal activities are not covered.
How do I study to PASS my Missouri P&C test?
It’s a pretty straightforward process really. Over the past 20 years, we have helped thousands of people do it. In our P&C exam prep course, you will find a 14-day study plan which will have you ready to pass your exam in only two weeks.
The formula you will follow is to read a pdf section of our Missouri property and casualty study guide, watch an instructor teach you the content in the section, watch a key fact video review and then complete a section review practice exam. You will complete each section in the course in this manner until you reach the course’s final exam. Pass the final exam with a 90% or better and you are ready to go!
Are you ready to pass? Find out really quickly by taking one of our free Missouri property and casualty insurance practice tests here and check out feedback from a real-life person just like you who found success with our Missouri P&C Insurance exam prep video course:
“I passed my Casualty & Property test on Thursday. I thought your videos and study material were very well organized and really helped me think all my answers through for the test. Thanks again and I will definitely recommend your program.”
How do I schedule my Property & Casualty insurance exam in Missouri?
You can schedule your exam with Pearson VUE online at https://home.pearsonvue.com/mo/insurance or by calling them at 1-866-274-4740.
Pro tip: Make sure to schedule your exam well in advance of completing our course so you can make sure to get the date and time you want at the test center of your choice. Pearson VUE encourages candidates to make their exam reservation at least twenty-four (24) hours in advance. We recommend even further in advance. Keep in mind exam testing fees are not accepted at the test center.
Where is the Missouri Property and Casualty insurance licensing exam given?
Pearson VUE has many testing locations throughout Missouri. Regardless of which one you choose to take your exam at, Pearson VUE recommends you arrive at the testing center at least 30 minutes before your scheduled exam so you can check-in. You should also be aware the testing center is a very serious place. They may make you empty your pockets and put all your personal belonging in a locker in the waiting room before you enter the testing room.
What happens if I fail my insurance exam?
Nothing. Keep in mind, that neither your score on your property and casualty exam nor how many times it takes you to pass is an indication of how great you are going to be at this job.
If you do fail, you must wait one day before scheduling a reexamination. There is no limit to the number of times a candidate can take an exam. However, a new testing fee must be paid for each exam retake ($35).
It is also important for you to know the next time you take the exam you may not see any of the same questions you encountered before. Pearson VUE has thousands of questions in their databank, so it is unlikely you will see many of the same questions upon a second attempt at the exam. This is why it is so important to understand the concepts vs. memorizing questions and answers. Do you need help passing this exam? We have an excellent course where your success is guaranteed. You can view our Missouri Insurance Exam Prep courses here.
Links to related websites:
– Producers section of the Missouri Department of Insurance: https://insurance.mo.gov/producers/
– Schedule your exam: https://home.pearsonvue.com/mo/insurance
Sample Missouri Property & Casualty exam prep course videos:
Our course was created for someone who has NO insurance background at all! Using our 14-day study plan, you will start building an insurance definition-based foundation that will have you ready to answer all your exam questions correctly by the end of the course. Our course is highly video-based. Come on insurance is boring enough, but our instructor Scott makes it easy to understand. Get your Missouri Property and Casualty License in no time with our course. Sample course videos below:
Additional FREE Insurance Exam Prep Videos:
We also post insurance exam prep videos on our YouTube page to help those people that may need some additional help while studying for their Missouri Property and Casualty license. You can find our page here and see some samples below: