Mississippi insurancelicense requirements
Mississippi insurance license at a glance
- Prelicensing course
- 20 hours per line, except Life
- Exam provider
- Pearson VUE
- Passing score
- 65% or 70%, by exam
- Exam fee
- $50 per exam
- License fee
- $100
- Fingerprints
- Not required
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Mississippi
Below, you'll find the steps to a Mississippi insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Mississippi insurance producers
Contact the Mississippi insurance department
How much do insurance agents make in Mississippi?
Mississippi average insurance agent salary (all lines): $67,790
That is the mean annual wage for insurance sales agents in Mississippi in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $67,518
- Health insurance agent: $52,231
- Property and casualty insurance agent: $45,240
Please note that salaries will vary based on experience level and local demand.
Does Mississippi require prelicensing education?
Mississippi requires producer licensing candidates to take and complete a state-approved prelicensing course (20 hours per line of authority, except for the Life line of authority). You will also need to apply to your license with the state insurance department and register for the state licensing exam. Make sure to register for all 3 (prelicensing course, license application, state exam) using the personally identifiable information exactly as it appears on your government-issued ID. Discrepancies will delay the licensing process.
How do I get my insurance license in Mississippi?
Becoming an insurance producer in Mississippi requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1: Finish a prelicensing course approved by the Department of Insurance (not required for the Life line of authority). After completing the course and passing the Certificate Exam, Achievable will process your Certificate of Completion, which might take up to 2 business days due to possible proctor validation. Download and print your certificate from your Achievable account. The certificate remains valid for two years.
- Step 2: Book your exam with Pearson VUE online at https://www.pearsonvue.com/us/en/ms/insurance.html or by calling (888) 293-4222. The exam fee is $50.
- Step 3: On exam day, bring two government-issued IDs, one with a photo and the other with a signature and name. Failure to meet these requirements will prevent you from taking the exam. Your results will be available immediately after completing the test.
- Step 4: Apply for your license using the online services at NIPR at https://nipr.com/ or Sircon at https://www.sircon.com/landingPages/states/mississippi/content.jsp. The license fee is $100 per line of authority.
If you need assistance with any of these steps or have questions about specific requirements, contact the Mississippi insurance department for the most current information.
Mississippi insurance exam information
Mississippi Life Producer Examination
| Detail | Value |
|---|---|
| Questions | 70 Total Questions (60 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 65% |
| Pass rate | 65.4% (1,107 of 1,693 first-time test takers, 2025) |
Mississippi Accident and Health or Sickness Insurance Examination
| Detail | Value |
|---|---|
| Questions | 70 Total Questions (60 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 65% |
| Pass rate | 41.1% (194 of 472 first-time test takers, 2025) |
Mississippi Property Insurance Examination
| Detail | Value |
|---|---|
| Questions | 70 Total Questions (60 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 46.2% (6 of 13 first-time test takers, 2025) |
Mississippi Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 70 Total Questions (60 scored, 10 pretest) |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 62.5% (5 of 8 first-time test takers, 2025) |
Mississippi Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 75 Total Questions |
| Time limit | 2 Hours |
| Passing score | 70% |
| Pass rate | 45.6% (146 of 320 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Mississippi insurance licensing fees
- Initial license fees: Resident Insurance Producer $100; Resident Limited Lines $100; Resident Surplus Lines $100; Nonresident Insurance Producer $100; Nonresident Limited Lines $100; Nonresident Surplus Lines $100
- Renewal fees: Resident Insurance Producer $100; Resident Limited Lines $100; Resident Surplus Lines $100; Nonresident Insurance Producer $100; Nonresident Limited Lines $100; Nonresident Surplus Lines $100
- Resident and Nonresident license renewal date: Last day of birth month every 2 years
- Late renewal/reinstatement: Up to 1 year
How can I apply for a non-resident insurance license in Mississippi?
- 1. Must be at least 18 years old.
- 2. Reciprocity generally applies. Home state license must be active and in good standing.
- 3. Variable requires FINRA CRD number; Surplus requires P&C appointment.
- 4. Must answer background questions.
- 5. Apply via NIPR and pay $100 plus NIPR processing fees.
Mississippi carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits Just-in-time appointments: Yes
- Initial appointment deadlines: Within 15 days of contract execution or first business submission
- Initial appointment deadline rule: MS ST § 83-17-75 (submit within 15 days of contract or first insurance contract)
- Can be processed via NIPR: Yes
- Fees for appointing resident or nonresident: $25
- Appoint agencies: No
- Adjuster appointments via NIPR: No
- Appointment effective date can be specified: Yes (not future, less than 15 days old)
- State requires appointment renewal: Yes - via Mississippi portal
- Appointment renewal fee: $25
Mississippi insurance license termination details
- Terminations processed via NIPR: Yes
- Termination fee: None
- Termination reasons: Cancelled; cancelled for cause
- Carrier may specify termination date: Yes (not future, less than 30 days old)
- Allows carriers to terminate if license expired: No
- Not-for-cause notices must be mailed
Mississippi insurance license renewals
Resident and Nonresident renewal period begins 90 days before expiration ; Agency renewals: 90 days prior to expiration until expiration date ; Late renewal/reinstatement: 1 year
Mississippi insurance license continuing education (CE) requirements
- CE total hours: 12 if license <18 months, 24 if >18 months per 2-year renewal
- CE due before renewal: Yes
- License renewal date: Last day of birth month
- Ethics: 3 hours
- Flood (NFIP): 3 hours
- LTC: 8-hour initial + 4 hours every 2 years
- Annuity: one-time 4-hour course
- Adjusters CE: 12–24 hours depending on license term
- Bail agents CE: 16 hours per 2-year cycle
- CE instructors get credit: Yes
Mississippi insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Start with the prelicensing requirement: 20 hours per line, except Life. After you pass, you have 2 years to apply. The state gives this processing time: up to 5 business days.
Expect to pay $50 per exam for the exam and $100 for the license. Any exam prep is extra.
Yes. Mississippi sets this requirement: 20 hours per line, except Life.
The passing score is 65% or 70%, by exam. In 2025, 65.4% of first-time test takers passed the Mississippi life exam, according to the NAIC.
No. Mississippi does not require fingerprints for a resident producer license.
Apply through Sircon or NIPR after you pass your exam.
Mississippi requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing: mid.ms.gov
- Exam provider and continuing education: mid.ms.gov
- Exam fee, license fee, fingerprints, passing score and time to apply after passing: pearsonvue.com
- Where to apply and processing time: mid.ms.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Mississippi and exam provider sources as of . Licensing rules and fees change, so confirm them with the Mississippi insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Mississippi, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
