Insurance producers may charge fees for negotiation, procurement and services in connection with a contract of insurance, in addition to receiving a commission for insurance placement, provided such compensation is contemplated in the premium/charge for insurance filed with and approved by the commissioner and/or included in the policy.  Mo. Rev. Stat. § 375.116 

Yes.  A producer may charge a fee only under the terms of a separate written agreement, signed by the client, specifying the services to be provided and the fee to be charged.  The agreement must state that the client is under no obligation to purchase any insurance product through the insurance agent, broker or consultant.  Mo. Rev. Stat. § 375.116; Mo. Rev. Stat. § 375.936 

Yes, see fees in lieu of commissions

No

All employers

N/A

Reserves right to require actuarial analysis if stop-loss policies are issued to employers when:

max specific deductible less than $20,000 and/or the minimum aggregate attachment point less than 120% of expected, and...

group has 50 or fewer covered employees and attachment point is the greater of $4,000 times the number of covered employees, 120% of expected claims, or $20,000.

$450,098 increased to $787,671 for cases of catastrophic personal injury or wrongful death (found constitutional in 2021 in Velazquez v. University Physician Associates).