What This License Is
A Mississippi Property license lets you sell coverage protecting homes, buildings, and personal property against loss — homeowners and dwelling property coverages, commercial property, inland marine, and flood in Mississippi. It is issued by the Mississippi Insurance Department.
Licensing runs through the same process as every Mississippi producer line — the difference is the focused Property exam. Note that Mississippi requires 20 hours of pre-licensing education for this line before you can sit for the exam.
Exam Options & Format
The Property exam is Property Producer (InsMS-Prop03): 70 total (60 scored + 10 pretest) questions, 2 hr, $50 per attempt. Passing standard: 70%.
Mississippi also offers the combined exam (Property and Casualty Producer (InsMS-PC06): 100 total (90 scored) questions, 2 hr 30 min, $50), which licenses both lines in one sitting. If there is any chance you will sell casualty products later, the combined exam is usually the better value.
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-property/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.
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 20-item Mississippi section runs on Title 83. Start with the Commissioner's powers - including rates and forms authority and the State Rating Bureau (83-3) - then licensing, appointments, renewal/CE duties, and the marketing-practices block (unfair claims methods, rebating, twisting, misrepresentation, defamation, discrimination, credit-scoring adverse-action notices, advertising, and fraud).
The coastal-property machinery is distinctly Mississippi and heavily tested: the Mississippi Windstorm Underwriting Association (the Gulf Coast wind pool, 83-34), the Mississippi Residential Property Insurance Underwriting Association (the FAIR-plan-style residual market, 83-38), the Mississippi Insurance Guaranty Association, the Valued Policy law (83-13-5), and the Standard Fire Policy.
On the casualty side, Mississippi is an at-fault (tort) auto state - not no-fault. Know financial responsibility limits (63-15-3) and the uninsured/underinsured motorist rules (83-11-101 through 111), plus cancellation and nonrenewal notice requirements for personal and commercial lines (83-5-28, 83-11).
Round it out with producer responsibilities: separate-account/trust handling of premiums, fiduciary duties, the duty to reply to the Commissioner, and binder/application rules.
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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