Life Insurance in Missouri | Get the Coverage You Need

Get the coverage you need through life insurance in Missouri. Compare quotes and find the highest coverage at the best rate. Protect your family and future with life insurance today.

The Best Companies for Life Insurance in Missouri

Missouri is home to some of the leading life insurance companies in the country. It offers a wide range of coverage options specific to its customers’ needs. From term life insurance to whole life insurance, Missouri residents can find the right life insurance policy that fits their individual needs.


To help you find the right companies of life insurance in Missouri, we’ve put together a comprehensive list of the top life insurance companies in the state. Each of these companies has a long history of providing reliable and affordable coverage. Moreover, they offer a variety of products that meet Missouri residents’ needs.

Whether you’re looking for a Hybrid life insurance policy that provides long-term protection or a more affordable option that covers only basic needs, you’ll find something that fits your needs and budget. With this list of the most reliable life insurance companies in Missouri, you can ensure you’re getting the coverage you need at the best price.

Can anyone in Missouri take a life insurance exam?

Anyone in Missouri who is at least 18 years old and meets the insurance provider’s qualifications can take the Life Insurance Exam. The Missouri Department of Insurance administers this exam and requires it to obtain a life insurance license. Those who wish to take the exam must complete the required pre-license education and pass a background check.

The exam covers topics such as life insurance products, state regulations, and ethical practices. Upon passing the exam, applicants will receive a Missouri Life Insurance License, valid for two years.

Life Insurance in Missouri – What are the requirements for a life insurance license in Missouri?

In Missouri, individuals seeking a Life Insurance License must complete a pre-license education requirement and pass the state insurance exam. The pre-license education requirement is at least 20 hours of coursework. However, you must get approval from the Missouri Department of Insurance. Moreover, you can complete it online or in person.

The state Life Insurance Exam consists of 100 multiple choice questions and the Prometric program administers it. Candidates must score at least 70% to pass the exam. The exam fee is $50, and they must retake the exam if the score is below 70%.

Once the pre-license education and state exam requirements have been completed, applicants must submit a license application to the Missouri Department of Insurance. The application must include the completed pre-license education certificate and a $50 fee.

Upon approval, the applicant will receive a Life Insurance License. However, you must renew it every two years. To renew the license, the applicant must complete at least 24 continuing education credits. Moreover, the Missouri Department of Insurance must approve it.

What are Missouri’s life insurance beneficiary laws?

Missouri life insurance beneficiary laws state that if a policyholder dies without naming a beneficiary for their life insurance policy, the company will pay the policy proceeds to the policyholder’s surviving spouse or, if none, to their children or, if none, to the policyholder’s surviving parents or, if none, to the policyholder’s estate.

If the policyholder has named a beneficiary for their life insurance policy, they will pay the policy proceeds to the named beneficiary. This is regardless of the policyholder’s marital status or other familial relationships. Missouri insurance laws and regulations must be followed.