16 Hour Life & Health Insurance CE Package - Missouri

✅ Approved by Missouri Department of Commerce and Insurance | Provider #48205 | Includes 4 Approved Courses | All 16 Required Hours | Only $54.99 | Instant Emailed Certificates | 100% Online & Self-Paced

Complete your entire Missouri insurance CE requirement — all 16 hours, including the required 3 hours of ethics — in one approved online package for $54.99. Every course is delivered by 1st Choice Continuing Education under Missouri provider #48205, approved by the Missouri Department of Commerce and Insurance, and the 4 courses inside add up to exactly the 16 hours Missouri requires each biennium. You can enroll online and work through the package on your own schedule.

The package is 100% online and self-paced, so you can log in and out as often as you like without losing your progress. Certificates are emailed to you instantly as you finish, and 1st Choice CE submits your completions to the state electronically — Missouri requires providers to certify completion to the director within 30 working days. Every purchase is backed by our money-back guarantee, and support is available by phone or text at 1-800-698-2770.

✅ Course Details

• Package Name: 16 Hour Life & Health Insurance CE Package - Missouri
• Approved By: Missouri Department of Commerce and Insurance
• Missouri Provider Number: 48205
• Package Length: 16 continuing education hours (4 courses)
• Ethics Included: Yes — 3 hours of ethics, satisfying Missouri's 3-hour ethics minimum
• Course Category: Insurance producer continuing education, life, accident and health lines
• Course Format: 100% online, self-paced, log in and out without losing progress
• Price: $54.99 for the complete 16-hour package
• Certificate: Emailed instantly after each course is completed
• State Reporting: 1st Choice CE reports your completions to Missouri electronically
• Support: Phone or text 1-800-698-2770
• Confirmed Missouri Course Approval Numbers: 5 HRs Life Insurance Products and Retirement Planning — MO #6000223543

✅ Who Should Take This Course?

• Missouri resident insurance producers holding a life line of authority
• Missouri resident producers holding an accident and health or sickness line of authority
• Missouri producers holding both life and health lines who need all 16 hours in one purchase
• Missouri agents who sell annuities, long-term care or Medicare-related products
• Nonresident producers whose home state accepts Missouri-approved credit for reciprocity
• Newly licensed Missouri producers approaching their first biennial renewal
• Producers who let renewal slide and need all 16 hours, including ethics, quickly

✅ Does This Package Satisfy the State Requirement?

Yes. Missouri requires 16 hours of continuing education every two years, and at least 3 of those hours must cover ethics. This package delivers all 16 hours and includes a 3-hour ethics course, so it is built to satisfy the full biennial requirement for a Missouri Life & Health producer on its own — no second purchase and no separate ethics course needed.

Missouri does not split the requirement by line of authority. A producer holding one line and a producer holding several lines both owe the same 16 hours, so this package covers you even if you carry multiple lines of authority. Courses may not be duplicated within the same renewal period, so make sure you have not already taken these courses in your current biennium. Your own license record controls; check your CE transcript in SBS Connect if you are unsure how many hours you still owe.

✅ Missouri Continuing Education Requirements

Missouri is one of the lighter continuing education states in the country. Resident insurance producers must complete 16 hours of continuing education every two years, including a minimum of 3 hours of ethics. Most states require 24 hours, so Missouri producers finish their requirement with roughly a third less coursework — and at a lower cost.

The most important detail is that 16 hours is the total, not a per-line figure. The department lists the same 16-hour requirement for life and health producers, for property and casualty producers, and for producers holding a combination of those lines. There is no line-of-authority split and no stacking of separate hour totals.

• Total required: 16 hours of continuing education per two-year licensure period
• Ethics: at least 3 of the 16 hours must cover ethics, Missouri law and producer duties
• Multiple lines of authority: still 16 hours total — the hours do not stack by line
• Delivery method: no classroom minimum was found; self-study and online courses are permitted for the full requirement
• Timing: courses must be completed during the biennium to which they are applied, and before you submit your renewal
• Repeats: the same course may not be taken twice for credit in the same renewal period
• Reporting: your provider reports completion; under RSMo 375.020 the provider must certify completion to the director within 30 working days
• Verification: licensees review their own CE transcript through SBS Connect
• Title agents follow a separate 8-hour requirement and are not covered by this package

How this package helps: This package provides all 16 required hours, including the 3 required ethics hours, in 4 Missouri-approved courses for $54.99. For a Missouri Life & Health producer with no unusual conditions on the license, nothing further is required for the biennial CE requirement — you still have to submit the renewal application and fee separately.

✅ When Do Licensees Renew?

Missouri insurance producer licenses are issued for a term of two years and renew biennially on the producer's birth date. Your expiration date follows your own birthday, not a statewide date, so no two producers necessarily share a deadline. The department mails or emails a renewal notice roughly 60 to 90 days before the license expires, and the renewal must be completed on or before the expiration date.

All 16 hours must be completed before you submit the renewal, so leave yourself room for processing time. If you miss your expiration date, Missouri allows a 12-month late renewal window with a penalty of $25 per month the license was expired, in addition to the regular renewal fee. Missing a deadline does not extend the CE deadline — the hours are still owed, and reinstating producers must show that the CE requirement has been met. After 12 months the license can no longer be renewed and you would have to apply for a new license.

✅ How to Renew Your License

1. Step 1: Check your license record. Look up your license in SBS Connect to confirm your exact expiration date, your lines of authority and how many CE hours are already posted to your transcript.
2. Step 2: Complete all 16 hours, including 3 hours of ethics. Finish this package before your expiration date. Missouri states that continuing education must be completed prior to submitting your renewal.
3. Step 3: Let the reporting post. 1st Choice CE submits your completions to Missouri electronically. State law gives providers up to 30 working days to certify completion, so do not wait until the last day to finish.
4. Step 4: Confirm your hours posted. Return to SBS Connect and verify that all 16 hours, including the ethics hours, appear on your CE transcript before you file.
5. Step 5: File the renewal. The department's renewal links for both resident and nonresident producers go to the NIPR licensee portal. Follow the instructions on your renewal notice if it directs you elsewhere.
6. Step 6: Review your information and pay the fee. Update your address, contact and employment information, answer the required questions, and pay the renewal fee. The department lists the producer renewal fee as $100.
7. Step 7: Save your confirmation and verify. Keep your payment receipt and course certificates, then check SBS Connect to confirm your license shows an active status with a new expiration date.

✅ What You Will Learn

• Apply Missouri ethics and producer-duty standards to real client situations, including suitability and fair dealing
• Evaluate annuity recommendations under the best interest standard and document the basis for each recommendation
• Explain long-term care policy design, inflation protection options and how the Partnership program protects assets
• Compare term, whole, universal and variable life products and match them to client needs and budgets
• Use life insurance and annuities inside a retirement income plan without overselling or misrepresenting benefits
• Recognize disclosure, replacement and documentation practices that keep your file defensible

✅ Courses Included in This Package

All 4 courses below are included in the $54.99 package price and together provide the full 16 hours Missouri requires.

• 3 Hour Ethics for Insurance Agents (3 hours): Covers business ethics, sales suitability, Missouri producer duties and fair dealing with clients. Satisfies the 3-hour ethics portion of the Missouri requirement.
• 4-Hour Annuity Best Interest and Suitability (4 hours): Annuity product types, the best interest standard of conduct, suitability information gathering, disclosure and documentation.
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training (4 hours): Ongoing long-term care and Partnership program training, policy design, inflation protection, Medicaid asset disregard and consumer suitability.
• 5 HRs Life Insurance Products and Retirement Planning (5 hours) — Missouri course #6000223543: Term, whole, universal and variable life products, policy riders, income replacement and the role of life insurance in retirement income planning.

Missouri course approval numbers are shown above for the courses whose numbers are confirmed. Approval numbers for the remaining courses are pending confirmation with the Missouri Department of Commerce and Insurance.

✅ Other Related Courses

• 16-Hour Property & Casualty Insurance CE Package - Missouri – $54.99

✅ Why Choose 1st Choice CE?

• Approved by the Missouri Department of Commerce and Insurance under provider #48205
• All 16 required hours, including the 3-hour ethics requirement, for one price of $54.99
• 100% online and self-paced — log in and out anytime without losing progress
• Instant emailed certificates as you complete each course
• We report your completions to Missouri electronically
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Finish your Missouri continuing education today. The 16 Hour Life & Health Insurance CE Package - Missouri gives you all 16 required hours, including the 3 hours of ethics, for $54.99 — fully online, self-paced and approved under Missouri provider #48205.

Enroll now, work at your own pace, and get your certificates emailed the moment you finish. Questions before you buy? Call or text us at 1-800-698-2770.

✅ Frequently Asked Questions

Is this package approved in Missouri?

Yes. 1st Choice Continuing Education is an approved Missouri continuing education provider, provider #48205, approved by the Missouri Department of Commerce and Insurance.

How many hours does this package provide?

All 16 hours Missouri requires each biennium, delivered across 4 courses.

Does it include the required ethics hours?

Yes. The package includes a 3-hour ethics course, which meets Missouri's minimum of 3 ethics hours per two-year period.

Does this package satisfy my full Missouri CE requirement?

For a Missouri Life & Health producer, yes. Missouri requires 16 hours including 3 hours of ethics, and this package provides exactly that. Check your license record for any condition unique to your license.

I hold more than one line of authority. Do I need more hours?

No. Missouri requires 16 hours total whether you hold one line or several. The hours do not stack by line of authority.

Why does Missouri require fewer hours than other states?

Missouri sets its producer requirement at 16 hours biennially. Most states require 24, so Missouri producers complete less coursework for each renewal cycle.

Who should take this package?

Missouri resident insurance producers holding life, accident and health lines of authority who need their full 16-hour biennial requirement, including ethics.

Is the package fully online?

Yes. It is 100% online and self-paced. No classroom minimum was found for Missouri producer CE, and self-study courses are permitted.

Can I log out and come back later?

Yes. You can log in and out as often as you like and your progress is saved, so you can finish over several sessions.

When do I get my certificate?

Your certificate is emailed to you instantly after you complete each course.

Do you report my hours to Missouri?

Yes. 1st Choice CE submits your completions electronically. Under RSMo 375.020, providers must certify completion to the director within 30 working days, so finish well before your deadline.

How do I check that my hours posted?

Missouri licensees review their CE transcript through SBS Connect, the state's licensee lookup and license manager.

When does my Missouri license expire?

Producer licenses are issued for a two-year term and renew biennially on your birth date. The department sends a renewal notice about 60 to 90 days before expiration.

What happens if I renew late?

Missouri allows a 12-month late renewal window with a penalty of $25 per month the license was expired, plus the renewal fee. After 12 months you must apply for a new license.

Is there a money-back guarantee?

Yes. Every 1st Choice CE course is backed by our money-back guarantee. Call or text 1-800-698-2770 if you need help.