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Missouri (MO)


Annuity Information

The Missouri Department of Insurance

The Missouri Department of Insurance is the state regulatory authority for the insurance industry in Missouri.

The director’s office includes the department director, deputy director and general counsel, enforcement counsel, public information staff, legislative coordinator and support staff. The director’s office is responsible for policy decisions, regulation, legislation and communications. The director’s office also includes the Receivership and Legal sections. When a judge orders an insurance company into receivership, the director is responsible for either rehabilitating the company or liquidating it. The Legal Section represents the department director in circuit court and administrative proceedings.



Insurance Consumer Affairs Division
Helps consumers resolve complaints and inquiries
Provides information on insurance policy questions
Investigates insurance agents, public adjusters and bail bond agents suspected of violations
Provides insurance education and outreach activities to Missouri consumers

Insurance Company Regulation Division
Monitors and analyzes the financial condition of insurance companies licensed in Missouri to ensure they can pay claims & certifies and collects premium taxes due the state

Insurance Market Regulation Division
Reviews insurance policies, rates, products and marketing strategies for compliance with Missouri law
Performs market conduct examinations to ensure fair treatment of policyholders and compliance with Missouri law, and monitors the marketplace


John M. Huff was appointed director of the Missouri Department of Insurance, Financial Institutions and Professional Registration by Gov. Jay Nixon on Feb. 6, 2009. An attorney, he leads the department that protects consumers through the regulation of professionals and businesses that impact Missourians' lives daily.

Director Huff was elected by his peers to serve as the 2016 president of the National Association of Insurance Commissioners (NAIC), the national insurance standard-setting organization for the U.S.

In September 2010, he was appointed to the U.S. Financial Stability Oversight Council by the NAIC. Director Huff served two terms on the council and was the initial state insurance regulator appointed. The council was created by the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act.

Before entering public service, he spent 11 years as an executive with leading insurers and reinsurers, including Swiss Re and GE Insurance Solutions.

Missouri Annuity Resources: The State of Missouri is part of the U.S. insurance regulatory framework which is a highly coordinated state-based national system designed to protect policyholders and to serve the greater public interest through the effective regulation of the U.S. insurance marketplace. Through the National Association of Insurance Commissioners (NAIC), U.S. insurance regulators, establish national standards and best practices, conduct peer reviews and coordinate their regulatory oversight to better protect the interests of consumers while ensuring a strong, viable insurance marketplace. U.S. insurance regulators also participate in the International Association of Insurance Supervisors (IAIS) along with the NAIC by participating in all its major standard setting initiatives, including working with fellow regulators from around the world to better supervise cross-border insurers, identifying systemic risk in the insurance sector, and creating international best practices.


Capital: Jefferson City
State Commissioner: Monica J. Lindeen
Insurance Hotline: 800-726-7390
Annuity Guarantee Limit: $100,000
Website: http://insurance.mo.gov/
Guarantee Assoc: http://www.mo-iga.org/

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