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.
Under § 303.020, RSMo, which vehicle is expressly EXCLUDED from the definition of 'motor vehicle'?
Why: Section 303.020(5), RSMo excludes traction engines, road rollers, and farm tractors from the definition.
Under § 303.160, RSMo, which is NOT a listed method of giving proof of financial responsibility?
Why: Section 303.160.1, RSMo lists a certificate of insurance, a bond, a certificate of deposit, or self-insurance — not a promissory note.
Under § 374.020, RSMo, the director of the department of commerce and insurance must be:
Why: Section 374.020, RSMo requires the director to be a citizen of this state and experienced in matters of insurance — therefore a Missouri citizen experienced in insurance matters.
Under § 379.402, RSMo, a P&C producer may provide a free product or service with a policy if it is intended to...?
Why: Section 379.402.1(1), RSMo permits products or services intended to prevent or mitigate loss to persons or property — therefore that option.
Under § 379.203, RSMo, mandatory uninsured motorist coverage must be provided in at least the bodily injury limits of § 303.030 — what amounts?
Why: Section 379.203.1, RSMo ties UM limits to section 303.030's bodily injury limits of $25,000/$50,000.
Under § 287.240, RSMo, when a surviving spouse receiving death benefits remarries, he or she receives a lump sum equal to how many years of benefits?
Why: Section 287.240(3)(a), RSMo pays, on remarriage, a lump sum equal to two years of benefits.
Under § 303.044, RSMo, after a suspension period elapses, for how long must the owner or operator thereafter maintain proof of insurance?
Why: Section 303.044, RSMo requires the owner or operator to file and maintain proof of insurance for a period of three years thereafter with respect to all registered motor vehicles — therefore three years.
Under § 379.110, RSMo, 'nonpayment of premium' means failure of the named insured to do what when due?
Why: Section 379.110(2), RSMo defines it as failure to discharge when due any premium-payment obligations.
Under a BOP, a small office building owner wants liability coverage for slip-and-fall injuries to visitors. This is provided by:
Why: Bodily injury to third parties on the premises is covered under Section II (Liability) of the BOP, similar to commercial general liability.
The policy provision that states the insurer's promise to pay covered losses is the:
Why: The insuring agreement is the insurer's core promise describing what coverage is provided in exchange for premium.
Under § 303.190, RSMo, an owner's motor vehicle liability policy must carry limits of at least what?
Why: Section 303.190.2(2), RSMo sets minimum limits of $25,000 per person, $50,000 per accident, and $25,000 property damage.
Under § 374.048, RSMo, is the director required to post a bond in an action or proceeding under this section?
Why: Section 374.048, RSMo expressly provides that the director may not be required to post a bond in an action or proceeding under this section — therefore no bond is required.
A producer wants to charge an insured more than the premium shown on the policy. Under § 375.116, RSMo, this is allowed only when...?
Why: Section 375.116.4, RSMo bars charging more than the premium shown unless a written compensation agreement under subsection 3 exists — therefore that option.
Under § 303.010, RSMo, chapter 303 principally governs what subject?
Why: Section 303.010, RSMo names the chapter the 'Motor Vehicle Financial Responsibility Law,' the body of law governing financial responsibility for motor vehicles — therefore motor vehicle financial responsibility.
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 § 375.1007, RSMo, an improper claims practice includes failing to adopt and implement reasonable standards for the...?
Why: Section 375.1007(3), RSMo lists failing to adopt reasonable standards for the prompt investigation and settlement of claims — therefore that option.
Under § 375.022, RSMo, information filed with the director about a producer's termination is deemed:
Why: Section 375.022, RSMo deems such termination information confidential and absolutely privileged — therefore confidential and absolutely privileged.
Coverage E in a Homeowners policy provides:
Why: In Section II of the Homeowners policy, Coverage E is Personal Liability, paying for bodily injury and property damage the insured is legally liable for.
Under § 374.280, RSMo, in addition to a civil penalty, the director may take what action for a willful violation?
Why: Section 374.280, RSMo provides the director may also suspend or revoke the license or certificate of authority of such person for any willful violation — therefore suspend or revoke the license.
For an injury to be compensable under workers' compensation, it generally must arise:
Why: The basic compensability test is that the injury must 'arise out of and in the course of employment' — connected to the work and occurring within the scope of the job.
Under the PAP, the duty to allow the insurer to inspect and appraise the damaged vehicle before its repair or disposal falls under:
Why: Part E requires the insured to permit the insurer to inspect and appraise the damaged property before repairs or disposal, as part of the post-loss duties.
Under § 375.995, RSMo, an insurer may take marital status into account only for the purpose of...?
Why: Section 375.995, RSMo allows marital status to define persons eligible for dependents' benefits — therefore that option.
Under § 303.030, RSMo, an accident triggers the security requirement when property damage to any one person exceeds what amount?
Why: Section 303.030.1, RSMo applies to accidents with property damage to any one person in excess of five hundred dollars.
Medical Payments coverage typically pays expenses incurred within what time frame after the accident?
Why: PAP Part B generally pays covered medical and funeral expenses incurred within three years of the date of the accident.
Shareholders sue a corporation's board alleging mismanagement caused a stock drop. Which policy responds?
Why: Claims against directors and officers for wrongful management acts are handled by D&O liability insurance.
Under § 375.936, RSMo, refusing to renew a property policy solely because of the geographic location of the risk is a form of...?
Why: Section 375.936(11)(c), RSMo classifies location-based refusal or cancellation as unfair discrimination — therefore that option.
Actual cash value is generally calculated as:
Why: ACV is typically replacement cost less depreciation, reflecting the property's depreciated value at the time of loss.
Under PAP Part E, after a theft of the covered auto, the insured must additionally:
Why: For a theft loss, the insured has a specific duty to promptly notify the police in addition to notifying the insurer.
Under § 375.006, RSMo, an insurer is granted immunity from liability for statements made in a notice specifying the reasons for...?
Why: Section 375.006, RSMo grants immunity for statements in a notice specifying the reasons for cancellation or nonrenewal — therefore that option.
Under the CGL, an employee is generally an insured for acts within the scope of employment, but NOT for:
Why: Employees are insureds for scope-of-employment acts, but coverage excludes injury to fellow employees and to the named insured.