Mississippi Insurance Exam Guides
Pick the license you're studying for. Each guide covers Mississippi-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Mississippi exam's state-law material, mapped.
Free study resource
What's actually tested on the Mississippi exam — the state regulations, mapped
Every Mississippi insurance exam reserves a block of questions for Mississippi-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 104 facts from the TESTivity Mississippi regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently July 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 10 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years — the standard contestable period (Mississippi fixes 2 years for accident & health by statute; ordinary life follows the same policy standard)
- Grace period for individual life tested31 days is the standard grace period for ordinary life (7 days weekly / 30 days monthly for industrial life); it is a policy provision rather than a single ordinary-life statute
- Window to reinstate a lapsed policy tested3 years is the standard reinstatement window on evidence of insurability and payment of overdue premiums; Mississippi does not fix it by a distinct ordinary-life statute
- Free look for individual life tested10 days is the customary individual-life free look; Mississippi does not set a single universal statutory life free-look (replacement, annuity, and LTC free looks are set by regulation)
- Free look for long-term care tested30 days for long-term care, from policy delivery
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, and extended term insurance, under Mississippi's Standard Nonforfeiture Law
- Registrations required to sell variable products testedVariable life and variable annuities require the Life line plus Mississippi's Variable Life/Variable Annuity line and a FINRA Series 6 or 7 with active registration (they are securities)
- Does the state regulate viatical/life settlements? testedYes — Mississippi regulates viatical and life settlements; providers and brokers must be licensed
- Viator's rescission window testedThe viator may rescind within 15 days of receiving the proceeds (and the contract is deemed rescinded if the insured dies within that 15-day period)
- Has the state adopted the NAIC best interest standard? testedYES — Mississippi adopted the NAIC 2020 best interest standard (an update to Model #275), effective January 1, 2022, with a producer duty of care and annuity training
Health 14 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedNO — Mississippi has NOT expanded Medicaid under the ACA. It remains one of the non-expansion states, leaving a coverage gap for many low-income adults.
- Agency administering Medicaid testedThe Mississippi Division of Medicaid (its managed-care program is MississippiCAN)
- Federal marketplace or state-based exchange testedA FEDERALLY-FACILITATED marketplace (HealthCare.gov) — Mississippi does not run a state exchange
- Name of the state CHIP program testedThe Mississippi Children's Health Insurance Program (CHIP), covering children to age 19, administered through the Division of Medicaid
- Clean-claim payment deadline, electronic tested25 days after receipt of a clean ELECTRONIC claim
- Clean-claim payment deadline, paper tested35 days after receipt of a clean PAPER claim
- Does the state distinguish electronic vs paper claims? testedYes — Mississippi splits the clean-claim deadline: 25 days electronic, 35 days paper (resubmitted claims within 20 days)
- Interest / penalty on late claim payment testedInterest accrues on a clean claim not paid within the deadline (25 days electronic / 35 days paper); the statutory rate was not confirmed from a primary source this edition
- Is the IRO's external review decision binding on the plan? testedYES — the independent review organization's external-review decision binds the health carrier; on a reversal the carrier must immediately approve the coverage. The Commissioner assigns approved IROs.
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Mississippi state continuation covers smaller groups (under 20)
- Employer size range covered by state continuation testedMississippi state continuation applies to group coverage with fewer than 20 employees (groups not subject to federal COBRA)
- Duration of state continuation coverage testedUp to 12 months (the insured must have been covered at least 3 months before the qualifying event)
- Election period for state continuation testedAbout 45 days to elect and make the first payment
- Max premium as % of group rate testedThe enrollee pays up to 100% of the premium
Auto 11 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedTORT (at-fault) — Mississippi is NOT a no-fault state; there is no mandatory PIP. The at-fault driver's liability coverage pays the other party's damages.
- Minimum bodily injury liability per person tested$25,000
- Minimum bodily injury liability per occurrence tested$50,000
- Minimum property damage liability tested$25,000
- The memorizable shorthand (e.g. 30/60/25) tested25/50/25
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMust be OFFERED and may be REJECTED in writing — uninsured-motorist coverage is offered at limits at least equal to the liability minimums unless the insured rejects it in writing
- Underinsured motorist status testedUnderinsured-motorist coverage is part of Mississippi's UM coverage — offered and rejectable in writing along with UM
- Personal injury protection status testedNot required — Mississippi is a tort state with no mandatory PIP (medical payments coverage is optional)
- Contributory / pure comparative / modified comparative negligence testedPURE COMPARATIVE NEGLIGENCE — a claimant's recovery is reduced by their percentage of fault but is NEVER fully barred, even at 99% fault (a claimant 99% at fault still recovers 1%)
- Assigned risk / residual market plan for auto testedThe Mississippi Automobile Insurance Plan (MAIP), the assigned-risk plan for drivers who cannot obtain coverage voluntarily
- Any alternative to buying liability insurance (e.g. VA's UMV fee) testedMississippi enforces compliance through the Motor Vehicle Safety Responsibility Law (Title 63, Chapter 15); most drivers satisfy it by carrying liability insurance
CE & Renewal 9 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal tested2 years (biennial), expiring on the last day of the licensee's birth month
- What the renewal date keys off (flat term / birthday / birth year) testedBirthday-based — the license expires on the last day of the licensee's birth month, every 2 years
- CE hours per renewal period, standard case tested24 CE credit hours each 2-year period, including 3 hours of ethics
- CE hours if holding multiple license types (if different) tested24 total each period — holding multiple producer lines does not multiply the requirement (adjusters have a separate 24-hour requirement)
- Ethics hours required per period tested3 hours of ethics each period
- Limits on who may provide CE credits testedCourses and providers must be approved by the Mississippi Insurance Department
- Initial long-term care training requirement tested8 hours of initial long-term care training before selling LTC, plus 4 hours of ongoing training each renewal period (the NAIC-standard model)
- What happens if CE is not completed (fine / expiry / cancellation) testedA license that is not renewed with the required CE lapses; reinstatement with late fees is available, but the specific reinstatement-tier amounts were not confirmed from a primary source this edition
- Any CE exemption (e.g. long-service agents) testedThe Industrial Fire limited line has no CE requirement; nonresidents who meet their home-state CE are treated as compliant
Property 8 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedFILE-AND-USE with a deemer — rate filings are made at least 30 days before the effective date and are deemed approved unless the Commissioner disapproves within 30 days
- Is insurance credit scoring permitted in personal lines? testedPERMITTED but RESTRICTED — an insurer may not decline, cancel, or nonrenew personal insurance based SOLELY on a credit score (19 Miss. Admin. Code Pt. 1, Ch. 31)
- Does the state have a FAIR Plan? testedYES — the Mississippi Residential Property Insurance Underwriting Association (MRPIUA), the statewide residential insurer of last resort
- Name of the FAIR Plan, if any testedThe Mississippi Residential Property Insurance Underwriting Association (MRPIUA) — the statewide FAIR Plan
- Coastal windstorm pool, if any (e.g. TWIA) testedThe Mississippi Windstorm Underwriting Association (MWUA) — the wind and hail insurer of last resort for the six Gulf Coast counties (Hancock, Harrison, Jackson, Pearl River, Stone, George)
- Dominant catastrophe perils in the state testedHurricanes and Gulf coast wind and storm surge (Katrina remains the benchmark loss), tornadoes, hail and severe thunderstorms, and flooding — a coastal-plus-inland exposure
- What license you must already hold to write surplus lines testedA surplus lines producer license, which requires first holding a Property & Casualty producer license with an appointment
- Is a diligent-effort search of the admitted market required first? testedYes — a diligent effort to place the risk in the admitted market first (documented on an affidavit), with statutory exemptions for certain risks and exempt commercial purchasers; a personal-lines informational notice to the insured is required
Guaranty 10 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedThe Mississippi Life and Health Insurance Guaranty Association
- Life death benefit limit tested$300,000
- Life cash surrender / withdrawal value limit tested$100,000 net cash surrender value
- Annuity benefit limit tested$250,000 present value of annuity benefits
- Health benefit limit testedHealth benefit limits follow the NAIC model (up to $500,000 for basic hospital, medical, or major medical; $300,000 for disability and long-term care; $100,000 for other health)
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual life (except up to $500,000 for basic hospital and medical coverage)
- Does the state follow the standard NAIC model limits? testedYes — standard NAIC model limits ($300,000 death benefit, $100,000 cash value, $250,000 annuity)
- Name of the P&C guaranty association testedThe Mississippi Insurance Guaranty Association (MIGA)
- Per-claim cap testedCovered claims are paid in excess of $50 and up to $300,000 per claimant (never more than the insolvent insurer's policy obligation); workers' compensation claims are paid in FULL, without the $300,000 cap
- Is using the guaranty association as a sales inducement prohibited? testedYes — using the existence of the guaranty association to sell, solicit, or induce the purchase of insurance is prohibited; a purchase decision should not be based on guaranty-association protection
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — covered employers must secure workers' compensation coverage
- Employee count at which coverage is required testedRequired for employers with 5 or more employees
- Agency administering workers' compensation testedThe Mississippi Workers' Compensation Commission (MWCC)
- Temporary total disability wage replacement rate testedTemporary total disability: 66 2/3% of the worker's average weekly wage, subject to the state maximum
- Maximum TTD duration testedUp to 450 weeks maximum (also the cap on the total dollar recovery)
- Deadline to file a claim testedGenerally 2 years from the injury (or from the date compensation was last paid) to file a claim
- Ways an employer may comply (insure / self-insure / group) testedBuy a policy from a licensed carrier, or qualify as an approved individual or group self-insurer through the Workers' Compensation Commission
Regulator 5 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Mississippi Insurance Department (MID)
- Title of the person who heads it testedCommissioner of Insurance, who also serves as State Fire Marshal
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedELECTED by the voters statewide to a four-year term — not appointed
- Where the state's insurance law is codified testedTitle 83 of the Mississippi Code (Insurance), with regulations in Title 19 of the Mississippi Administrative Code
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedYes — the elected Commissioner of Insurance is ALSO the State Fire Marshal, and the Department runs the State Fire Marshal's Office (fire investigation, manufactured/factory-built homes, elevators, LP-gas, and electronic protection licensing) alongside insurance regulation
Cancellation 7 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested60 days — after an auto policy has been in effect 60 days, it may be canceled only for enumerated statutory grounds
- Notice days to cancel a homeowners policy inside the initial window testedAt least 45 days' written notice to cancel or nonrenew a property/homeowners policy (raised from 30 days by HB 1611 of 2025, phased in for policies issued or renewed on or after July 1, 2026)
- Notice days to cancel a personal auto policy inside the initial window testedAt least 45 days' written notice to cancel a personal auto policy (raised from 30 by HB 1611 of 2025, phased in from July 1, 2026)
- Notice days for cancellation for nonpayment testedThe 45-day rule does not apply to cancellation for nonpayment of premium; when there is a named creditor/loss payee, at least 10 days' notice is required
- Notice days for cancellation for other permitted causes testedAt least 45 days for cancellation or a coverage reduction on a permitted ground (raised from 30 by HB 1611 of 2025)
- Notice days required for nonrenewal testedAt least 45 days before expiration for nonrenewal of property, auto, and workers' compensation coverage (raised from 30 by HB 1611 of 2025, effective for policies issued/renewed on or after July 1, 2026)
- Must the reason be stated proactively, on request, or not at all? testedYes — a cancellation or nonrenewal notice must be delivered, and after the 60-day new-business window an auto policy may be canceled only on statutorily enumerated grounds (Miss. Code 83-11-3)
Licensing 23 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a standalone Life Producer exam and line of authority
- Is there a standalone health license/exam? testedYes — a standalone Accident & Health or Sickness Producer exam and line of authority
- Is there a combined life+health license/exam? testedYes — Mississippi offers a combined Life, Accident & Health exam, in addition to the individual Life and Accident & Health exams
- Is there a personal lines license/exam? testedYes — a Personal Lines Producer line (its own exam), for those who do not want a full Property & Casualty authority
- Is P&C one combined license, or split into Property and Casualty? testedBoth — Mississippi offers Property and Casualty as individual exams AND as a combined Property & Casualty exam, plus a narrower Personal Lines line.
- Does the life license cover annuities? testedYes — FIXED annuities are sold under the Life line. VARIABLE life and variable annuities require the separate Variable Life/Variable Annuity line plus FINRA registration (they are securities).
- Does the P&C license already include personal lines authority? testedYes — a full Property & Casualty authority covers personal-lines risks; the Personal Lines line is a narrower subset
- Full list of exam-based agent license types testedOne Mississippi producer license listing any of: Life · Accident and Health or Sickness · Property · Casualty · Personal Lines · Variable Life and Variable Annuity — plus limited lines (Industrial Life, Industrial Fire, Credit, Surety, Title, Travel, Crop) and Surplus Lines
- Exam administrator (Prometric / PSI / Pearson VUE) testedPearson VUE administers Mississippi producer exams under contract with MID (online OnVUE proctoring is available for most lines)
- Exam fee tested$50 per exam (single or combined line), paid at reservation and non-refundable
- License application fee tested$100 for a resident producer license (a line-of-authority amendment is $25)
- Passing score tested65% for the Life, Accident & Health, and combined Life & Health exams; 70% for the Property, Casualty, combined Property & Casualty, and Personal Lines exams
- Minimum age to be licensed tested18 (bail agents must be 21)
- Is pre-licensing education required? testedYES — Mississippi requires 20 hours of pre-licensing education per line of authority (so a combined Life + Accident & Health or Property + Casualty course is 40 hours)
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) tested20 hours of pre-licensing per line of authority (40 for a combined Life + Accident & Health or Property + Casualty course), by classroom or approved self-study. Variable products require no pre-licensing course (FINRA registration instead).
- Fingerprints, state police report, or none testedBackground review through the application's disclosure questions and a misdemeanor/felony conviction checklist (court documents attached to the Sircon/NIPR application). Mississippi does NOT require fingerprinting for a resident PRODUCER license — fingerprints are required only for bail agents.
- Deadline to apply after passing the exam testedYou must pass the exam and apply for the license within 2 years; a passing result supports a license application for 2 years
- How long a passed exam remains valid testedA passed exam remains valid to support a license application for 2 years
- Waiting period before retaking a failed exam testedYou may reschedule a test-center retake as soon as the next calendar day (test-center attempts are unlimited); online OnVUE is limited to 2 attempts, after which a 14-day wait applies
- Notice required to reschedule/cancel without forfeiting the fee testedYou must change or cancel the exam at least 48 hours before the appointment to avoid forfeiting the fee
- Where you apply (Sircon / NIPR / state portal) testedSircon (sircon.com/mississippi) or NIPR (nipr.com); online applications reach MID within 24 hours
- Are temporary licenses available? testedYes — a Temporary Producer license (no exam, $100) is available in limited business-transition circumstances, such as the death, disability, or absence of a licensed producer
- Temporary license duration and training requirement testedNo exam, $100, for limited business-transition situations (death, disability, or absence of a licensed producer); the exact statutory duration was not confirmed this edition