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Mississippi Insurance License Requirements

Do you want to become an insurance agent and get your Mississippi insurance license? XCEL has taught thousands of aspiring insurance professionals in Mississippi and we make it easy for you to get up to speed on the Mississippi insurance requirements.

Mississippi Insurance License SchoolMississippi Insurance License School

How To Obtain a Mississippi Insurance Producer License   

1. Complete the pre-licensing course.

  • Life Only – 20 hours 
  • Accident & Health Only – 20 hours 
  • Life, Accident and Health – 40 hours 
  • Casualty – 20 hours 
  • Property – 20 hours 
  • Property and Casualty – 40 hours 
  • Personal lines - 40 hours 

Course Requirements

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter. 
  • Assessments on key topics throughout the course and must be successfully passed with a minimum score of 70% before moving onto the next chapter. 
  • Completion of this course satisfies the prelicensing education requirement. 

Certificate Information

To be eligible for a Certificate of completion, you must follow these steps:  

  • Completion of the course and final examination. 
  • Submit an electronic affidavit acknowledging you were actively engaged in one hundred percent of the course and your participation during the periods of perceived inactivity. 
  • Download and Print certificate through the “Transcript” tile on the user dashboard. 
  • Certificates are valid for 1 year. 
  • Course completion rosters will be reported to SIRCON within two (2) business days. 
  • Education providers and required to collect and report ssn. 
  • Roster fee: $4.75 which is collected upon enrollment. 

2. Schedule the Mississippi State examination.

  • Registration must be completed online on Pearson Vue website: www.pearsonvue.com/ms/insurance
  • You will be required to enter the school code during registration. The school code can be found on the certificate of completion.
  • Exam fee – $52
Limitation on Repeat Examinations:
  • There are no limitations on retaking the exam. 

3. Pass the State Exam

  • Be sure to take advantage of XCEL’s 3-Part training program, including Part 2 (Prep Review Course) and Part 3 (Exam Simulator). These are the two sections we hear from students value the most during the exam waiting period. 
    • Prep Review Course: This part of the training scales down content to focus solely on the most important material with weighted sections identical to the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam. 
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind.” 
    • On the day of testing, you must present two forms of identification bearing your signature, one of which must be a valid government issued photo id 
    • Candidates who have changed their names must provide written documentation of the change. This documentation may be a copy of a marriage license, divorce decree or other official document. 

4. Apply for your License

  • Submit license application electronically through SIRCON Online Services
  • Application fee – $100
  • NIPR does not verify exams prior to allowing submission of an application, however, an exam is required prior to the states’ approval of the request.

Pearson Vue Exam Outlines 

DESCRIPTION Question Count % of Exam Questions
Life Health L&H Life Health L&H
Life Insurance
Types of Policies 15 0 15 25% 0% 13%
Life Provisions, Riders, Options, and Exclusions 15 0 15 25% 0% 13%
Completing the Application, Underwriting, and Delivering the Policy 12 0 12 20% 0% 10%
Retirement and Other Insurance Concepts 8 0 8 13% 0% 7%
Health Insurance
Types of Policies 0 16 16 0% 27% 14%
Policy Provisions, Clauses, and Riders 0 15 15 0% 25% 13%
Social Insurance 0 6 6 0% 10% 5%
Other Insurance Concepts 0 5 5 0% 8% 4%
Field Underwriting Procedures 0 8 8 0% 13% 7%
Mississippi Laws and Rules
Mississippi Life Insurance Laws 10 0 0 17% 0% 0%
Mississippi Accident and Health Insurance Laws 0 0 0 0% 0% 0%
Mississippi Life and Health Insurance Laws 0 10 15 0% 17% 13%
Total for all parts
Total Questions 60 60 115
Maximum Time allowed to complete exam in minutes 120 120 150
Passing Score 70 70 70
DESCRIPTION Question Count % of Exam Questions
Casualty Property P&C Casualty Property P&C
Casualty Insurance
Types of Policies, Bonds, and Related Terms 23 0 16 38% 0% 18%
Insurance Terms and Related Concepts 15 0 11 25% 0% 12%
Policy Provisions 12 0 8 20% 0% 9%
Property Insurance
Types of Property Policies 0 22 15 0% 37% 17%
Insurance Terms and Related Concepts 0 15 11 0% 25% 12%
Policy Provisions and Contract Law 0 13 9 0% 22% 10%
Mississippi Laws and Rules
Mississippi Casualty Insurance Laws 10 0 0 17% 0% 0%
Mississippi Property Insurance Laws 0 10 0 0% 17% 0%
Mississippi Property and Casualty Insurance Laws 0 0 20 0% 0% 22%
Total for all parts
Total Scored Questions on Exam 60 60 90
Maximum Time allowed to complete exam in minutes 120 120 150
Passing Score 70 70 70
Description Question Count % of Exam Questions
Personal Lines Insurance
Types of Property Policies 7 9%
Types of Casualty Policies 9 12%
Property and Casualty Insurance Terms and Related Concepts 21 28%
Property and Casualty Policy Provisions and Contract Law 18 24%
Mississippi Laws and Rules
Mississippi Personal Lines Insurance Laws 20 27%
Total for all parts
Total Scored Questions on Exam 75
Maximum Time allowed to complete exam in minutes 120
Passing Score 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Register for exam
3. Pass exam
4. Apply for License

Governing Agency

Name: Mississippi Insurance Department
Phone: 601-359-3582
Website: http://www.mid.ms.gov/
Address: PO Box 79 Jackson, MS 39205-0079

Mississippi Insurance License Renewal and Compliance Requirements

XCEL Solutions provides this information as a courtesy to licensees subject to insurance continuing education requirements. Although every effort is made to maintain the accuracy of this course, recent changes in laws and procedures may not yet be reflected in the content. All information is subject to change without notice.

License Renewal Timelines

Agents holding a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) are required to renew their license by the last day of their birth month the 1st 12 months and no more than 18 months. Then every two years.

  • The initial expiration date for a Major Lines license (Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products) is the last day of the agent’s birth month that is (12) months and no more than (18) months from the license issuance date.  
  • On-going renewal periods are the last day of the agent’s birth month every two (2) years thereafter.

Continuing education requirements must be met before submitting the license renewal application. 

Complete Required Continuing Education

Requirements per License

Licensees renewing a Property, Casualty, Personal Lines, Accident & Health, Life or Variable Products license are required to complete 24 hours of approved continuing education, 3 of which must be approved as ethics, before submitting their renewal application.

Specific Product Training Requirements

The Mississippi Department of Insurance requires specific training requirements for individual agents selling, soliciting, or negotiating Long-Term Care products (LTC), Flood Insurance products (NFIP), and Annuity products (Annuity). Failing to complete the required training may jeopardize the agent’s authority to sell the related insurance products.

Long-Term Care Training Requirements

  • Life or Accident & Health licensees must complete an approved 8-hour Long-term Care course before selling, soliciting, or negotiating long-term care insurance. 
  • Agents must also complete an approved 4-hour LTC refresher course every renewal period to continue selling, soliciting, or negotiating long-term care insurance. 
  • The initial and refresher LTC course credits count towards the agent's 24-hour CE requirement. 
  • Resident agents may complete these training requirements in any state provided the department has approved the course for long-term care credit prior to the agent taking the course. 
  • Non-resident agents may complete these training requirements in any state. 

Annuity Best Interest Training Requirements

  • Life or Variably Annuity licensees must complete an approved one-time 4-hour Annuity Best Interest course before selling, soliciting, or negotiating annuity products. 
  • Annuity Best Interest course credits count towards the agent's 24-hour CE requirement. 
  • Resident and non-resident agents may complete these training requirements in any state with laws substantially similar to Mississippi. 

Flood Insurance (NFIP) Training Requirements

  • Property and Casualty or Personal Lines licensees must complete an approved one-time 3-hour National Flood Insurance Program (NFIP) course by the end of their first renewal period if they plan to sell, solicit, or negotiate Flood insurance. 
  • The National Flood Insurance Program course credits count towards the agent's 24-hour CE requirement. 

Course Requirements

  • Licensees can use independent self-study courses to meet all requirements. 
  • Licensees may take courses in any line of authority. 
  • Self-study exams are closed book and require a monitor/proctor. 
  • Duplicate courses completed in the same renewal period are not allowed and cannot be carried over to future renewal cycles. 
  • Excess credits hours cannot be carried over to the next renewal cycle. 

Renew your License

Resident and nonresident license renewal applications are processed through NIPR. While a $25 renewal fee is required to be paid by all limited line and non-resident agents, the renewal fee is waived for all resident agents with a continuing education requirement. Agents with a continuing education requirement must obtain all required credits prior to their license expiration date. An agent will not be eligible to renew their insurance license(s) until they have satisfied their continuing education requirement.

Helpful Resources

Mississippi Department of Insurance - Licensing Division
https://www.mid.ms.gov
614-644-2665
licensing@mid.ms.gov
P.O. Box 79, Jackson, MS 39205