How to Get Your Mississippi Insurance License in 2026
Mississippi's pre-licensing rules depend on your line: the Life line is exam-only, while other lines require a 20-hour pre-licensing course before you sit for the exam. Plan for a 5-8 week timeline.
Mississippi insurance license — quick facts
| State regulator | Mississippi Insurance Department (MID) |
| Exam vendor | Pearson VUE |
| Pre-licensing education | Life exam-only; 20 hrs per line for other lines |
| Exam fee (resident) | ~$50 per attempt |
| License application fee | $100 per license |
| Fingerprinting | Not required for producers |
| License term | 2 years |
| CE requirement | 24 hours / 2 years incl. 3 hours ethics |
The six steps
- 1
Complete pre-licensing education (if your line requires it)
Mississippi's pre-licensing rules are mixed. The Life line is exam-only — no pre-licensing course is required (Miss. Code §83-17-251, amended by HB 819). All other individual producer lines (Accident & Health, Property, Casualty, Personal Lines) require 20 hours of state-approved pre-licensing per line of authority from a MID-approved provider.
- 2
Schedule your Pearson VUE exam
Mississippi contracts with Pearson VUE for insurance license exams. Register at pearsonvue.com/us/en/ms/insurance, pick a testing center, and pay the current exam fee (~$50 per attempt).
- 3
Pass the exam
Passing scores vary by line: Life and Accident & Health exams require 65%, while Property, Casualty, and Personal Lines require 70%. Pearson VUE sends your result to MID.
- 4
Submit your MID license application
Apply through Sircon (MID's preferred portal) or NIPR. The Mississippi resident producer license fee is $100.
- 5
Background disclosure
Resident producers are not required to submit fingerprints, but you must disclose any misdemeanor or felony convictions and attach the related court documents to your application.
- 6
Get appointed by a carrier
A producer license alone doesn't authorize you to sell — you need at least one carrier appointment.
What's on the Mississippi P&C exam
Standard NAIC P&C framework plus Mississippi-specific statutes (Miss. Code Ann. §83).
- Mississippi insurance regulation — ~15-20%
- General insurance principles — ~10-15%
- Property — ~20-25%
- Casualty — ~25-30%
- Commercial Package, BOP, WC, Surety — ~15-20%
CE requirements after licensing
Mississippi producer licenses renew every 2 years with 24 hours of MID-approved CE including 3 hours ethics.
Cost breakdown
- State-approved PLE (20 hrs per line; Life is exam-only): $200-$400
- Pearson VUE exam fee: ~$50 per attempt
- License application: $100
- Biennial CE: $30-$200
Test your readiness for free
The Life line is exam-only in Mississippi, while other lines require a 20-hour pre-licensing course from a MID-approved provider. Whichever line you're pursuing, run through our free practice exam to see where you stand before test day — no signup required.
Try the free practice exam →Mississippi licensing requirements at a glance
Quoted from NIPR, "Mississippi resident licensing requirements, individual", read 2026-09-16. Confirm with the Mississippi Insurance Department before you apply.
| State exam | NIPR does not verify exams before allowing submission, but an exam is required before the state approves the request. |
|---|---|
| Background check | Supporting documents go through NIPR's Attachments Warehouse where a background question is answered yes. No vendor is named. |
| How to apply | Apply electronically through NIPR's Resident License application. |
| Application fee | Insurance Producer: $100Limited Lines Insurance Producer: $100Surplus Lines Insurance Producer: $100 |
Source: Mississippi resident licensing requirements, individual (NIPR, read 2026-09-16).
Frequently asked questions
Does Mississippi require pre-licensing education?
It depends on the line. Life is exam-only — no pre-licensing course is required. Accident & Health, Property, Casualty, and Personal Lines each require 20 hours of MID-approved pre-licensing education per line of authority.
What's the passing score on the Mississippi insurance exam?
Life and Accident & Health exams require 65%; Property, Casualty, and Personal Lines require 70%. Pearson VUE administers the exams and sends results to MID.
Can I use Elite Training Academy to prepare for the Mississippi exam?
For lines that require pre-licensing (Health, Property, Casualty, Personal Lines) you'll need the 20-hour course from a MID-approved provider — Elite Training Academy is not an approved Mississippi pre-licensing provider. Our free practice exam is a good way to check your readiness before test day.
Related guides
- Texas insurance license cost — full breakdown
- How to get your Texas insurance license
- All exam-prep and CE pricing
Sources cited
This guide is based on MID and Pearson VUE published procedures current as of 2026. Always verify current requirements at mid.ms.gov before relying on any specific number.