Insurance Company FAQs | Missouri Department of Insurance

Certificate of Authority

How do I apply for a certificate of authority for my insurance company?

Missouri is a "uniform state" and uses the UCAA Expansion application.

How do I apply for a certificate of authority for a foreign life and health, property and casualty, title or fraternal insurance company? Besides the UCAA Expansion application, Missouri requires the following:

$1,000 filing fee.
All policy forms that your company proposes to use in Missouri. Life, accident and health policy forms must be completed in "John Doe” manner.
A narrative description of the history of your company.
Explanation of any unique assets, liabilities or operating aspects of your company.
Please provide details if your company is presently engaged in a controversy with any state or federal regulatory agency OR any formal or informal hearings.

How do I apply for a certificate of authority for a prepaid dental?

In addition to the UCAA Amendments application, Missouri requires the following:

Business Plan must contain:
- A statement generally describing the prepaid dental plan to be offered and the corporation’s facilities and personnel.
- Description of the procedures to provide emergency dental benefits.
- Statement reasonably describing the geographic area to be served.
Copy of any contract made to or to be made between any providers and the applicant.
Copy of contracts and contract certificates to be issued to the enrollees.
Copy of any group enrollee contract which is to be issued.
Fee of $200 for issuance of a Certificate of Authority.

How do I file for a redomestication for my insurance company?

In addition to the UCAA Amendments application, Missouri requires the following:

Certified copy of certificate of deposit from new state of domicile.
$150 filing fee for amending certificate of authority.

How do I file my insurance company merger?

In addition to the UCAA Amendments application and supporting documentation, please submit:

$150 filing fee.
Return of certificate of authority for non-surviving company for cancellation.
If both companies are authorized in Missouri before the merger, Form E (Pre-Acquisition Notification Form).

State-Specific Financial Filing Requirements

How do I add lines to my certificate of authority?

In addition to the UCAA Amendments application, Missouri requires the following:

$150 filing fee
Provide proposed policy forms for the new line of authority.
Pursuant to RSMo 375.821.1(3), the company must be transacting the lines of business for which it is applying. This will be verified by reviewing the annual and quarterly statements.
Certificate of deposit showing at least $1.2 million for single-line P&C company adding lines.

What annual filings do I have to file? When do I have to file them?

Check out our annual filings schedules for details on any line of insurance.

How do I file my insurance company address change?

You can notify us of your insurer address change by letter or email.

Missouri domestic life and P&C insurance companies may also need to modify their articles of incorporation pursuant to 376.060 for stock life insurers, 376.100 for mutual life insurers, 379.035 for stock P&C insurers, and 379.060 for mutual P&C insurers.

What are the filing fees?

Review the Admission Surplus Requirements and fees

Where do I send these filings?

Send your financial filings to:
Admissions Specialist
Division of Company Regulation
Missouri DCI
PO Box 690
Jefferson City, MO 65101

Capital and Surplus Requirements

What are the capital and surplus requirements?

Review the Admission Surplus Requirements and Fees

Does the certificate of deposit need to be placed in Missouri or the state of domicile?

All companies incorporated in Missouri are required to place the security deposits in Missouri. Companies incorporated in states other than Missouri may either place the deposit in Missouri or in their state of domicile.

What is the time frame for approval?

If the application is complete and the department does not have any questions or concerns regarding the filing, a decision will be made within 90 days of the filing.

Do we require third party biographical certifications?

Yes, all biographicals have to be certified by a third party who are in the business of certifying such documents.

Are fingerprint cards required?

No, fingerprint cards are not required to be filed with the application.

You can email the admissions specialist with your questions about these filings.

Industry FAQs Insurance Company FAQs

Certificate of Authority

State-Specific Financial Filing Requirements

Capital and Surplus Requirements

HMO Network Access Plans

HMO access plan instructions

20 CSR 400-7.095

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