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Mississippi Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of Mississippi. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Mississippi Insurance Department website at http://www.mid.state.ms.us. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible. 

Mississippi Insurance Department

Licensing Division
1001 Woolfolk State Office Building  
501 N.West St 39201
P.O. Box 79  
Jackson, MS 39205-0079 
Phone: 601-359-3569
Fax:  601-359-1951
Website: http://www.mid.state.ms.us
Email: licensing@mid.state.ms.us


How to Get Your Mississippi Insurance License

1. Complete an Insurance Prelicensing Course

Mississippi requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry. 

Prelicensing Education Hour Requirements

  • Life: 20 Hours
  • Accident & Health: 20 Hours
  • Life / Accident & Health: 40 Hours
  • Property: 20 Hours
  • Casualty: 20 Hours
  • Property / Casualty: 40 Hours
  • Personal Lines: 20 Hours
  • Variable Life / Variable Annuity*

*The Variable Life/Variable Annuity line does not require prelicensing education, but it does require a Series 6 or Series 7 FINRA certification.

Acceptable Methods of Education

  • Classroom
  • Online
  • Self-study

Online Course Requirements

  • Time Tracking: Mississippi requires that your online study time is tracked. In order to successfully complete the course, you must complete the required number of hours while studying in the Course Contents Units of the online course. Your online course tracker will be displayed in the upper right-hand corner of your page so that you can verify the time spent in the course is being tracked.
  • Forced progression: This requires the user to successfully complete each page of the online course before being allowed to proceed to the next

Adjuster License Requirements

All insurance adjusters in this state are required to be licensed. Check with the Department of Insurance in your resident state to see how to obtain an adjuster license.

2. Pass Your Mississippi Licensing Exam

After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Mississippi licensing exams, so you will be prepared to pass the first time. 

Certificate of Completion Requirements

  • Applicants submit their certificate of completion to the insurance department with their license application.
  • Applicants are required to have their completion certificate in order to sit for the state exam.
  • In order for a certificate of completion to be earned and issued, the final exam for self-study courses must be monitored by a disinterested third party (someone other than a relative, friend, or business associate).
  • Completion certificates are valid for 2 years from completion date.

Exam Provider: Pearson Vue

Frequently Asked Questions About the Mississippi Licensing Exam

After completing my prelicensing, how should I prepare for exam day? 

Candidates must make an online reservation at least twenty-four (24) hours before the desired examination date. Candidates who wish to make a phone reservation at (888) 293-4222 must do so at least twenty-four (24) hours before the desired examination date (unless an electronic check is used for payment, as detailed below). 

Before making a reservation, candidates should have the following:

  • Legal name, residence address, Social Security number, daytime telephone number, and date of birth
  • The names of the examinations
  • The preferred examination dates and test center locations (a list of test centers appears on the back cover of this handbook)

Candidates should report to the test center at least thirty (30) minutes before the examination begins to complete registration.

All candidates are required to bring identification that is deemed acceptable, listed under Acceptable Forms of Candidate Identification, to the test center on the day of examination.

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.

Candidates who do not present the required items will be denied admission to the examination, will be considered absent, and will forfeit the examination fee.

Acceptable Forms of Candidate Identification

Candidate must present two (2) forms of current signature identification. The name on the identification must exactly match the name on the registration. The primary identification must be government issued, photo-bearing with a signature and the secondary identification must contain a valid signature. Identification must be in English.

Primary ID (with photograph and signature, not expired)

  • Government-issued Driver’s License
  • U.S. Department of State Driver’s License
  • U.S. Learner’s Permit (plastic card only with photo and signature)
  • National/State/Country Identification Card
  • Passport
  • Passport card
  • Military ID
  • Military ID for spouses and dependents
  • Alien Registration Card (Green Card, Permanent Resident Visa)

Secondary ID (with signature, not expired)

  • U.S. Social Security card
  • Debit (ATM) or Credit card
  • Any form of ID on the Primary list

If the ID presented has an embedded signature that is not visible (microchip), or is difficult or impossible to read, the candidate must present another form of identification from the Primary ID or Secondary ID list that contains a visible signature.

Pearson VUE does not recognize grace periods. For example, if a candidate’s driver’s license expired yesterday and the state allows a 30-day grace period for renewing the ID, the ID is considered to be expired.

What is the exam like? 

Test Center Policies

The following policies are observed at each test center. Candidates who violate any of these policies will not be permitted to finish the examination and will be dismissed from the test center, forfeiting the examination fee.

  • Candidates are not permitted to bring their own calculators into the testing room.
  • No personal items are allowed in the testing room. Personal items include but are not limited to cellular phones, hand-held computers or other electronic devices, pagers, watches, wallets, purses, firearms or other weapons, hats, bags, coats, books, and/or notes, pens or pencils.
  • Candidates must store all personal items in a secure area as indicated by the administrator, or return items to their vehicle. All electronic devices must be turned off before storing them in a locker. The test center is not responsible for lost, stolen, or misplaced personal items.
  • Studying is not allowed in the test center. 
  • Visitors, children, family, or friends are not allowed in the test center.
  • Dictionaries, books, papers (including scratch paper), and reference materials are not permitted in the examination room (unless permitted by the exam sponsor), and candidates are strongly urged not to bring such materials to the test center. Upon entering and being seated in the testing room, the test administrator will provide the candidate with materials to make notes or calculations and any other items specified by the exam sponsor. The candidate may not write on these items before the exam begins or remove these items from the testing room.
  • Eating, drinking, chewing gum, smoking, and/or making noise that creates a disturbance for other candidates is prohibited during the exam.
  • Break policies are established by the exam sponsor. Most sponsors allow unscheduled breaks. To request an unscheduled break, the candidate must raise their hand to get the administrator’s attention. The exam clock will not stop while the candidate is taking a break.
  • Candidates must leave the testing room for all breaks. However, candidates are not permitted to leave the floor or building for any reason during this time, unless specified by the administrator and the exam sponsor. If a candidate is discovered to have left the floor or building they will not be permitted to proceed with the examination and may forfeit the exam fees.
  • While taking a break, candidates are permitted to access personal items that are being stored during the exam only if necessary— for example, personal medication that must be taken at a specific time. However, a candidate must receive permission from the administrator prior to accessing personal items that have been stored. Candidates are not allowed access to other items, including but not limited to cellular phones, exam notes, and study guides, unless the exam sponsor specifically permits this.
  • Any candidate discovered causing a disturbance of any kind or engaging in any kind of misconduct—giving or receiving help; using notes, books, or other aids; taking part in an act of impersonation; or removing examination materials or notes, from the examination room—will be summarily dismissed from the examination and will be reported to the state licensing agency.
  • Decisions regarding disciplinary measures are the responsibility of the state licensing agency.

Exam Format

All Mississippi Insurance examinations are given in a multiple-choice format dealing with basic insurance product knowledge.

Many of the examinations will contain “pretest” questions. Pretest questions are questions on which statistical information is being collected for use in constructing future examinations. Responses to pretest questions do not affect a candidate’s score. Pretest questions are mixed in with the scored questions and are not identified.

The number of pretest questions are listed in the content outline heading of each examination for which they are available. If a number is not present, then there are no pretest questions for that particular examination.

How is the exam scored?

The passing score required on the Life only, Accident & Health or Sickness only, and the Life, Accident & Health or Sickness (combined) Producer examination is 65%. The passing score required on all other examinations is 70%.

The time allotted for the examination varies, and each candidate will leave the test center with an official score report in hand.

Reservations for reexamination are not made at the test center. Candidates must wait one (1) day before scheduling a reexamination.

How long is the exam? 

Exam CodeLine of AuthorityExam TimeTotal Questions
No MentionLine Producer20 HoursNo Mention
No MentionAccident & Health or Sickness Producer20 HoursNo Mention
No MentionLife, Accident & Health or Sickness Producer40 HoursNo Mention
No MentionProperty Producer20 HoursNo Mention
No MentionCasualty Producer20 HoursNo Mention
No MentionProperty and Casualty Producer40 HoursNo Mention
No MentionPersonal Lines Producer20 HoursNo Mention


3. Apply for a Mississippi Insurance License

Once you have passed your state licensing exam, you are ready to apply for an insurance license.

After passing your exam, you are eligible to apply to the Department for a license. After the Department has verified that you have passed the required exam and that you have nothing in your background that should prohibit you from being licensed, the Department will issue the appropriate license. Once you have been issued a license, you will be required to renew it on a periodic basis.

Submit the completed Uniform Application for Individual Insurance Producer or Adjuster License form (available at www.sircon.com/mississippi or at www.nipr.com).

You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number.

4. Plan to Complete Required Insurance Continuing Education (CE) Credits

Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. 

Learn how to renew Mississippi insurance license by clicking here.

Select a Line of Authority and Start Earning Your License Today:

Life & Health

This license qualifies you to explain, sell, and write life and health insurance products in Mississippi.


Property & Casualty

This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in Mississippi.

Personal Lines

This license qualifies you to sell a variety of insurance plans directly to consumers in Mississippi.



This license qualifies you to investigate and adjust any claim in connection with an insurance policy in Mississippi.