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Life, Accident & Health Insurance Producer License (MO)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team
TL;DR

Life, Accident & Health Insurance Producer License (MO): a 33-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 33 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily Mo. Rev. Stat. (88%) and 20 CSR (12%) of this exam's citations.

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3
full papers, no repeats
33
questions per paper
33
questions in the bank
What this exam covers
5 real sample questions
Under RSMo § 375.018, life insurance and accident and health/sickness insurance are treated as which of the following?
A. A single, combined line of authority that cannot be held separately
B. Two separate, distinct lines of authority that a producer may hold individually or together
C. Lines of authority that do not exist in Missouri's statute
D. A subcategory of the personal lines authority
Source: Mo. Rev. Stat. § 375.018
What is a pre-existing condition provision in a health insurance policy generally intended to address?
A. It defines how the policy treats a health condition that existed or was diagnosed/treated before the policy's effective date, which may affect coverage timing or exclusions subject to applicable law
B. It defines the insured's beneficiary for death benefits
C. It sets the premium due date each month
D. It only applies to accidental injuries, never to illnesses
Source: Mo. Rev. Stat. § 375.018
A producer wants authority to sell fixed annuities and variable annuities in Missouri. Which combination of lines of authority is needed?
A. Life alone is sufficient for both fixed and variable annuities
B. Life covers fixed annuities (benefits of endowment and annuities fall under the life line), while variable annuity products require the separate variable life and variable annuity products line of authority
C. Personal lines authority is required for all annuity sales
D. No license is required to sell any annuity product in Missouri
Source: Mo. Rev. Stat. § 375.018
How does RSMo § 375.018 define the accident and health or sickness line of authority?
A. Coverage for sickness, bodily injury, or accidental death, which may include disability income benefits
B. Coverage exclusively for automobile accidents
C. Coverage only for hospital stays exceeding 30 days
D. Coverage limited to workers' compensation claims
Source: Mo. Rev. Stat. § 375.018
Why does the marketplace commonly refer to a Missouri "Life, Accident & Health" producer, even though the statute lists life and accident/health as two separate lines?
A. Because Missouri actually only has one combined line and the statute is inaccurate
B. Because most producers who sell life insurance products such as whole life, term, and annuities also sell related accident and health products such as disability income and long-term care, so applicants commonly apply for both lines together
C. Because it is illegal to hold only one of the two lines
D. Because accident and health authority automatically includes life authority
Source: Mo. Rev. Stat. § 375.018
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (MO)May 2025$58,990/yr
Related reading
Missouri Life & Health Insurance Exam: What's Actually on It (2026 Breakdown) ›

Frequently asked questions

How many questions are on the CertQuestUSA Life, Accident & Health Insurance Producer License (MO) practice test?
33 questions total, split into 3 full papers of 33 each with no repeats across papers.
What topics does the Life, Accident & Health Insurance Producer License (MO) test cover?
8 domains, with the heaviest weight on Accident Health Basics (18%), Life Insurance Basics (18%), and Annuities (12%).
Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (MO) questions come from?
Primarily Mo. Rev. Stat. (88%) and 20 CSR (12%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free diagnostic for Life, Accident & Health Insurance Producer License (MO)?
Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.
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