The Mississippi Life, Accident & Health License at a Glance
A Mississippi Life, Accident & Health or Sickness license lets you sell life insurance, annuities, accident, and health products statewide. It is a resident producer license issued by the Mississippi Insurance Department (MID).
You can qualify three ways: the combined Life, Accident & Health or Sickness exam, or the standalone Life and Accident & Health exams separately. Most candidates take the combined exam - one $50 sitting, one $100 license, all three product worlds.
The path: finish your 40-hour approved pre-licensing course, pass the Pearson VUE exam at 65%, then apply on Sircon or NIPR. No fingerprinting required - the background check runs from your application.
What's on the Mississippi L&H Exam
The combined exam is 115 scored questions in 150 minutes, and you need 65% to pass. Ten unscored pretest questions are mixed in - they do not count toward your score but do use clock time.
About 100 of the scored questions are general knowledge - life products (whole life, universal, term, annuities), policy riders and provisions, completing the application and underwriting, health products (disability income, medical expense, HMOs/PPOs, Medicare supplements, LTC), health provisions and renewability, social insurance, and contract law. The remaining 15 questions are Mississippi law.
Because it folds two product lines into one test, expect the bulk to be national life-and-health concepts, with a focused Mississippi statute section at the end.
Pre-Licensing Education (40 Hours for a Combined License)
Mississippi requires an approved pre-licensing course before you sit. Single lines need 20 hours each; a combined license needs 40 hours of classroom or self-study. You must also be at least 18.
Courses can be classroom or self-study, and the approved-provider list lives on Sircon - go to sircon.com/mississippi and choose 'Look Up Courses or Transcripts.' Neither the Department nor Pearson VUE endorses any particular school or study package.
One narrow shortcut: the Variable Life/Variable Annuity line skips pre-licensing entirely but requires a FINRA Series 6 or 7. For standard producer lines, the 40-hour combined course is the path.
TESTivity recommends [Achievable](https://app.achievable.me/study/insurance-life-health/purchase#a_aid=getthelicense) to satisfy your Mississippi pre-licensing requirement. Achievable is an approved provider, its insurance courses were built by the same subject-matter expert behind TESTivity, and completing the Achievable course earns you the certificate of completion Mississippi requires.
One important distinction: TESTivity is not an approved pre-licensing provider in Mississippi and does not issue certificates of completion. The TESTivity learning tools and study packages will absolutely help you pass the exam — but treat them as a supplement to your Achievable course, not a substitute for it.
Disclosure: TESTivity has a partnership with Achievable and may earn a commission if you enroll through links on this page.
Background Check (No Fingerprints)
Here is a pleasant surprise compared with many states: Mississippi does NOT fingerprint insurance producers. There is no IdentoGo or on-site print appointment to schedule.
Instead, the Department runs a state and federal criminal history background check directly from your license application. You will answer the standard background questions on the NAIC Uniform Application.
If you have a misdemeanor or felony in your history, prepare ahead: write a detailed statement of the circumstances and obtain certified court documents showing final disposition, then attach them as a PDF to your Sircon application.
Scheduling Your Exam with Pearson VUE
Mississippi runs its exams through Pearson VUE. Reserve online at pearsonvue.com/us/en/ms/insurance.html (first-time users create an account) or by phone at (888) 293-4222 - either way, you must book at least 24 hours ahead, and walk-ins are not accepted.
You can test at a Pearson VUE center - Mississippi sites include Jackson, Gulfport, Ridgeland, Tupelo, Meridian, Hattiesburg-area, and more, plus out-of-state and military sites - or take it from home via OnVUE online proctoring with a webcam and a strong connection.
The $50 exam fee is paid when you reserve, by card or voucher; it is not accepted at the test center and is non-refundable. To change or cancel without losing the fee, call Pearson VUE at least 48 hours before your appointment.
What to Expect on Exam Day
At a test center, arrive 30 minutes early to check in, get photographed for your score report, and sign the Candidate Rules Agreement. Mississippi requires TWO forms of current, signed ID whose names match your registration exactly: a primary government-issued photo ID (driver's license, passport, military ID) plus a secondary signed ID (such as a Social Security card or a credit/debit card).
It is closed-book and proctored - no phones, notes, watches, or even your own calculator. The test center hands you note materials you cannot write on before the exam starts or take with you afterward. Pearson VUE does not honor ID grace periods: an ID that expired yesterday counts as expired.
You get an untimed tutorial before the clock starts, then the exam begins the moment you view the first question. When time expires the exam ends automatically, and your official score report is available in your Pearson VUE account.
Applying for Your License
Once you pass, file the NAIC Uniform Application for Individual Insurance Producer License at sircon.com/mississippi or through NIPR, and pay the $100 license fee. You must apply within two years of passing your exam.
Mississippi's license fee is a flat $100 per license - the same whether you hold a single line or a combined L&H or P&C license - and renewal is $100 every two years. With the $50 exam fee, budget about $150 in fixed costs (no fingerprint fee) plus your pre-licensing tuition.
Heads up: the Department does not print or mail licenses. Once approved, your license is emailed to the business address on record, or you can print it from Sircon. You also need at least one company appointment before you can actually transact business - the insurer files that electronically within 15 days of authorizing you.
Mississippi-Specific Topics You'll Be Tested On
The 15-item Mississippi section is built on Title 83 of the state code. Start with the Commissioner - broad powers, examination of records, notice of hearing, penalties, and authority over unlicensed activity.
Know the core terms and entities: who must be licensed (producer vs. adjuster, resident vs. nonresident, exemptions), appointments and terminations, license renewal and CE duties, and the Mississippi Life and Health Insurance Guaranty Association that backstops policyholders if an insurer fails.
The marketing-practices block is heavily tested: unfair claims methods and trade practices, rebating and illegal inducements, twisting, misrepresentation, defamation, discrimination, advertising rules, fraud, and producer duties around compensation, controlled business, and fiduciary handling of premiums.
Finally, drill the line-specific pieces: life and A&H policy replacement and disclosure duties (Reg 99-2), long-term care policy standards and outline-of-coverage rules, and essential health benefits.
Keeping Your License: Continuing Education
Mississippi producers complete 24 total CE hours - including 3 hours of ethics - per two-year cycle, no matter how many lines of authority you hold. A Life & Health plus P&C producer still owes just 24 hours, not 48.
Licenses renew biennially on the last day of your birth month. Mississippi does not offer a grace period after expiration, though you can renew up to 90 days early. If your very first license period happens to run 18 months or less, you only owe 12 CE hours for that shortened cycle.
CE must be completed and reported to Sircon by your education provider before you renew - so leave a buffer rather than finishing on the deadline.
Quick Reference
Official Links
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