State Requirements

General Requirements

• Applicants may not apply electronically if they held a resident license in another state within the past ninety (90) days.
• Applicants must provide a residence and/or business address in Missouri.
• Applicants must not hold an active Missouri non-resident license.

Line of Authority Requirements

• Variable Life and Variable Annuities: Applicants must hold an active resident Life line of authority (LOA) or apply for the Life LOA concurrently.
• Surplus Lines: Resident Surplus Lines Producer applicants must hold an active Insurance Producer license with active Property and Casualty lines of authority (LOA).

License-Specific Requirements

• Limited Lines Self-Service Storage Producer:
• Applicants must complete a qualified training program.
• Applicants must submit the Limited Lines Self-Service Storage Insurance Producer form.
• Public Adjuster:
• Applicants must submit supplemental documentation using the Public Adjuster form.
• Public Adjuster Solicitor:

• Applicants must submit supplemental documentation using the Public Adjuster Solicitor form.

• Bail Bond Agent:

• Applicants must be at least 21 years old, as determined by their date of birth.

• Applicants must be U.S. citizens.
• Applicants must submit supplemental documentation using the Bail Bond Agent form.
• Applicants must submit fingerprints in accordance with the Fingerprinting Requirements section below.
• General Bail Bond Agent:
• Applicants must be at least 21 years old, as determined by their date of birth.
• Applicants must be U.S. citizens.
• Applicants must have previously held a Bail Bond Agent license for two years.
• Applicants must submit supplemental documentation using the General Bail Bond Agent (Individual) form.
• Applicants must submit fingerprints in accordance with the Fingerprinting Requirements section below.
• Surety Recovery Agent:
• Applicants must be at least 21 years old, as determined by their date of birth.
• Applicants must be U.S. citizens.
• Applicants must submit supplemental documentation using the Surety Recovery Agent form.
• Applicants must submit fingerprints in accordance with the Fingerprinting Requirements section below.
• Navigator:
• Applicants must pass the Navigator exam or actively hold a Federal Certified Marketplace Certificate.
• Applicants must submit supplemental documentation using the Navigator (Individual) form.

Fingerprinting Requirements

• Applicants applying for the following license classes must submit fingerprints:

• Bail Bond Agent

• General Bail Bond Agent
• Surety Recovery Agent
• Missouri requires fingerprints to be resubmitted through the Missouri Automated Criminal History System (MACHS).
• Applicants should visit the MACHS fingerprinting website for instructions on submitting fingerprints.
• The Missouri Department of Commerce and Insurance (DCI) fingerprint registration number is 2955.

Background Questions and Supporting Documentation

• Applicants who answer "Yes" to any background question must submit supporting documentation electronically through NIPR's Attachments Warehouse. Documents may also be submitted directly to the state by mail, email, or fax.

• Required supporting documentation includes:
• A written statement summarizing the details of each incident.
• A copy of the petition, complaint, or other document that commenced the lawsuit, arbitration, or mediation proceedings.
• A copy of the official document demonstrating the resolution of the charges or any final judgment.

• Non-citizens must submit work authorization.

Renewal, Reinstatement, and Reapplication Requirements

• Voluntary Surrender: Applicants with a status reason of Voluntary Surrender are not eligible for renewal. They must apply as new applicants and meet all initial licensing requirements.
• Insurance Producer: Applicants, with the exception of Motor Vehicle Extended Services Contract applicants, may late-renew their licenses electronically for up to one year after the license expiration date.
• Motor Vehicle Extended Services Contract: Applicants may reapply through the Resident Licensing application beginning the day after the expiration date. All new licensing requirements must be met.
• Surplus Lines: Applicants may reapply for their licenses beginning the day after the expiration date. Examination requirements and all initial licensing requirements apply to Surplus Lines reinstatement transactions.

License Verification and Clearance

• The Missouri Department of Commerce and Insurance does not issue Letters of Certification or Letters of Clearance.
• If an applicant's new resident state requires a Letter of Clearance, Missouri may cancel the applicant's license upon request and/or update the license to non-resident status.
• Once the cancellation and/or changes are complete, all states may verify the applicant's license status through the National Producer Database (PDB) or State Based Systems (SBS).