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Mississippi Personal Lines Insurance — Requirements & Free Practice

US-MS · License preparation

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Insurance Producer Business Entity — Personal Lines

Business entity authority includes the lines held by its designated Mississippi-licensed responsible producer.

Licensing authority: Mississippi Insurance Department · Application information

Nonresident reciprocal business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit a complete entity application and required entity licence fee.
Assessment
The entity applicant has no separate examination; the responsible producer and partners must already satisfy their individual licence requirements.
Foreign Registration
Register as a foreign business with the Mississippi Secretary of State before MID licensure.
Home Licence
Home-jurisdiction licence is verified through NAIC PDB or a letter of certification; application name must match home licence.
Legal Existence
Provide corporate charter, partnership certificate or LLC formation certificate when existence cannot be verified with the Secretary of State.
Partnership
All partners must be licensed individual insurance producers.
Reciprocity
The home jurisdiction must award nonresident licences to Mississippi residents on the same basis.
Responsible Producer
List at least one designated Mississippi-licensed responsible producer holding Personal Lines authority; the entity is authorized for the lines that producer holds.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal business entity reinstatement
No examination is required for this applicant pathway.
Application
Submit first-time Insurance Producer Entity or NAIC Uniform application, or apply online, to restore inactive entity licensure.
Home Licence
MID verifies nonresident home licensure.
Lapse
Reinstatement records a lapse; late renewal invoices carry a 50% renewal-fee penalty.
Responsible Producer
List at least one designated Mississippi-licensed responsible producer holding Personal Lines authority; the entity is authorized for the lines that producer holds.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal business entity renewal
No examination is required for this applicant pathway.
Home Licence
MID verifies home licence for nonresident entities.
Renewal
Renew the entity licence biennially by May 31 with application and fee; online renewal opens 90 days before expiry.
Responsible Producer
List at least one designated Mississippi-licensed responsible producer holding Personal Lines authority; the entity is authorized for the lines that producer holds.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit a complete entity application and required entity licence fee.
Assessment
The entity applicant has no separate examination; the responsible producer and partners must already satisfy their individual licence requirements.
Legal Existence
Provide corporate charter, partnership certificate or LLC formation certificate when existence cannot be verified with the Secretary of State.
Partnership
All partners must be licensed individual insurance producers.
Responsible Producer
List at least one designated Mississippi-licensed responsible producer holding Personal Lines authority; the entity is authorized for the lines that producer holds.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity reinstatement
No examination is required for this applicant pathway.
Application
Submit first-time Insurance Producer Entity or NAIC Uniform application, or apply online, to restore inactive entity licensure.
Home Licence
Provide required entity existence documentation.
Lapse
Reinstatement records a lapse; late renewal invoices carry a 50% renewal-fee penalty.
Responsible Producer
List at least one designated Mississippi-licensed responsible producer holding Personal Lines authority; the entity is authorized for the lines that producer holds.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity renewal
No examination is required for this applicant pathway.
Home Licence
Resident entity maintains its Mississippi registration.
Renewal
Renew the entity licence biennially by May 31 with application and fee; online renewal opens 90 days before expiry.
Responsible Producer
List at least one designated Mississippi-licensed responsible producer holding Personal Lines authority; the entity is authorized for the lines that producer holds.

Official no-examination sources

Effective from 2026-09-22.

personal lines producer

Individual producer authority for property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes.

Licensing authority: Mississippi Insurance Department · Application information

Reactivate a current non active producer licence
No examination is required for this applicant pathway.
Current Licence
Maintain the producer licence current through paid renewals while non-active.
Reactivation
Residents complete required continuing education and notify MID in writing or by email to change status to active; this is a status change on a current licence.

Official no-examination sources

Effective from 2026-09-22.

Nonresident amendment to add Personal Lines
No examination is required for this applicant pathway.
Amendment
Submit amendment and $25 fee; MID verifies home licensure.
Existing Licence
Hold a Mississippi nonresident producer licence and equivalent Personal Lines authority in the home jurisdiction.
Reciprocity
The home jurisdiction must award nonresident licences to Mississippi residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the uniform or home-jurisdiction application and pay the required fee; statutory denial grounds remain applicable.
Home Licence
Hold a valid resident Personal Lines producer licence in good standing in the home jurisdiction; MID verifies through the NAIC producer database.
Other Jurisdiction Examinations
Examinations associated with the home licence are applicant qualifications, not Mississippi route examinations.
Reciprocity
The home jurisdiction must award nonresident licences to Mississippi residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal reinstatement
No examination is required for this applicant pathway.
Application
Submit the reinstatement application and fee; MID verifies home licence status.
Home Licence
Hold a valid resident Personal Lines producer licence in good standing in the home jurisdiction; MID verifies through the NAIC producer database.
Reciprocity
The home jurisdiction must award nonresident licences to Mississippi residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal renewal
No examination is required for this applicant pathway.
Home Licence
Hold a valid resident Personal Lines producer licence in good standing in the home jurisdiction; MID verifies through the NAIC producer database.
Reciprocity
The home jurisdiction must award nonresident licences to Mississippi residents on the same basis.
Renewal
Submit renewal and fee before expiry; reciprocal home-jurisdiction continuing education satisfies the Mississippi requirement.

Official no-examination sources

Effective from 2026-09-22.

Resident amendment to add Personal Lines
Amendment
Submit the amendment form and $25 fee; MID verifies education.
Examination
Pass the Personal Lines Producer examination for the requested new line; score must be within two years of application.
Existing Licence
Hold an individual producer licence and apply to add Personal Lines authority.
Prelicensing
Complete 20 hours of approved Personal Lines prelicensing education unless a statutory exemption applies, including a bachelor degree with major coursework in insurance or examination exemption under 83-17-39(1) or 83-17-67.
Resident initial licensure by examination
Application
Submit a complete truthful individual application and the $100 licence fee through the MID online licensing portal; meet the statutory fitness requirements.
Licence Effect
Passing the examination does not guarantee licence approval; do not sell, solicit or negotiate before licensure.
Minimum Age
At least 18 years old.
Passing Score Age
Pass the required examination within two years before the licence application.
Prelicensing
Complete 20 hours of approved Personal Lines prelicensing education unless a statutory exemption applies, including a bachelor degree with major coursework in insurance or examination exemption under 83-17-39(1) or 83-17-67.
Resident new application after licence has lapsed more than one year
Education
Complete a new prelicensing course unless an applicable statutory exemption controls.
Examination
Pass the Personal Lines Producer written examination; satisfy the two-year passing-score window.
Fees
Submit a new licence application and fee.
Lapse
A resident licence expired over one year is not eligible for reinstatement; comply with all initial application requirements.
Resident licensure based on current or recently cancelled equivalent licence
No examination is required for this applicant pathway.
Education And Exam
83-17-67(1) exempts this qualifying applicant from prelicensing education and examination.
Good Standing
The former authority must certify good standing at cancellation or the NAIC producer database must establish it.
Implementation Timing
MID instructions item 8 asks new residents to submit the transfer application within 90 days of clearing the former resident licence.
Prior Licence
Previously held the same Personal Lines authority in another jurisdiction; be currently licensed there or apply within 90 days of cancellation.

Official no-examination sources

Effective from 2026-09-22.

Resident reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Appointment
A lapse remains recorded; contact the insurer for a new appointment after reinstatement.
Compliance
Complete required continuing education and pay the reinstatement fee including the 50% late fee.
Lapse
Apply within 12 months of the renewal-fee due date to reinstate the same licence without retaking the examination.

Official no-examination sources

Effective from 2026-09-22.

Resident transfer after establishing Mississippi residence
No examination is required for this applicant pathway.
Regulatory Reservation
83-17-67(2) reserves a contrary determination by regulation; the obtained current implementing instructions establish the transfer procedure without identifying a required examination.
Residence
Licensed producer who moves to Mississippi; apply within 90 days of establishing legal residence.
Same Authority
Exemption applies to Personal Lines authority previously held; obtain a letter of clearance unless the prior licence can be verified electronically.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal, including discretionary competency examination
Continuing Education
12 hours for a term of 18 months or less; 24 hours including 3 ethics hours for a longer term, subject to 83-17-251(4) exemptions.
Exam Discretion
Under 83-17-39(1)(a), renewal ordinarily requires no examination; the commissioner may require this licensing examination to establish competency, and it is required when the licence has not been effective within the preceding year. This discretionary examination remains a leaf under the survey contract.
Renewal
Renew before expiry, pay the renewal fee, and satisfy applicable continuing education.
Waiver
Military service, long-term medical disability or other extenuating circumstances may support a request under 83-17-63(4) to waive procedures, examinations, fines or sanctions.
Resident renewal or restoration with hardship waiver request
Discretion
The applicant may request waiver of renewal procedures, any examination requirement and fines or sanctions; commissioner approval is not automatic. Any competency examination not waived is the Personal Lines Producer examination.
Hardship
Military service, long-term medical disability or other extenuating circumstances prevent compliance with renewal procedures.
Resident new application following revocation
Good Cause
Show good cause why revocation should not bar a new licence; approval remains discretionary.
Initial Requirements
Meet resident initial application, education and examination requirements for Personal Lines.
Waiting Period
Do not file another producer application within one year after effective revocation, or within one year after the final judicial order affirming revocation if review was sought.
Resident restoration after suspension
Examination Waiver
83-17-39(1)(d) permits the commissioner to waive examination when suspension occurred less than one year before application; otherwise the licence examination remains involved.
Suspension
Previously suspended Personal Lines licence; comply with the disciplinary order and statutory fitness requirements.

Non-active Insurance Producer — Personal Lines

Existing individual producer licence retained in non-active status; selling, soliciting and negotiating are prohibited while non-active.

Licensing authority: Mississippi Insurance Department · Application information

Nonresident reciprocal renewal of non active status
No examination is required for this applicant pathway.
Home Licence
Hold a valid resident Personal Lines producer licence in good standing in the home jurisdiction; MID verifies through the NAIC producer database.
Reciprocity
The home jurisdiction must award nonresident licences to Mississippi residents on the same basis.
Status
Renew the retained licence and pay the fee; continue the non-active request and refrain from sales activities.

Official no-examination sources

Effective from 2026-09-22.

Resident renewal of non active status
Examination
83-17-39(1)(a) permits competency testing at renewal; the examination is retained with that discretion as a condition.
Status
Renew the retained licence and repeat the non-active request each period; do not sell, solicit or negotiate.
Elect non active status on renewal
Examination Discretion
The non-active election is submitted on renewal of an existing individual licence. Under 83-17-39(1)(a), an examination ordinarily is not required at renewal, but the commissioner may require the Personal Lines Producer examination to establish competency; that discretion is an applicant condition.
Existing Licence
Already hold the Personal Lines producer licence.
Practice Restriction
Do not sell, negotiate or solicit while non-active.
Status Request
Write put on non-active status on the renewal form and pay the renewal fee; repeat each renewal period.

temporary personal lines

Temporary personal lines authority issued at commissioner discretion for the circumstances in 83-17-69; maximum 180 days.

Licensing authority: Mississippi Insurance Department · Application information

Temporary authority for entity member or employee
No examination is required for this applicant pathway.
Approval
Contact MID before applying; commissioner must deem temporary authority necessary for servicing the insurance business.
Duration
No more than 180 days; authority cannot continue after the owner or personal representative disposes of the business.
Eligibility
Member or employee of a licensed producer business entity after death or disability of its designated individual producer.
Examination
83-17-69 authorizes issuance without examination.
Sponsor And Limits
Commissioner may require a suitable licensed producer or insurer sponsor, limit authority and revoke it when public or insured interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary authority for military service designee
No examination is required for this applicant pathway.
Approval
Contact MID before applying; commissioner must deem temporary authority necessary for servicing the insurance business.
Duration
No more than 180 days; authority cannot continue after the owner or personal representative disposes of the business.
Eligibility
Designee of a licensed producer entering active service in the United States Armed Forces.
Examination
83-17-69 authorizes issuance without examination.
Sponsor And Limits
Commissioner may require a suitable licensed producer or insurer sponsor, limit authority and revoke it when public or insured interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary authority in another public interest circumstance
No examination is required for this applicant pathway.
Approval
Contact MID before applying; commissioner must deem temporary authority necessary for servicing the insurance business.
Duration
No more than 180 days; authority cannot continue after the owner or personal representative disposes of the business.
Eligibility
A circumstance in which the commissioner determines temporary licensure will best serve the public interest.
Examination
83-17-69 authorizes issuance without examination.
Sponsor And Limits
Commissioner may require a suitable licensed producer or insurer sponsor, limit authority and revoke it when public or insured interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary authority for surviving spouse or personal representative
No examination is required for this applicant pathway.
Approval
Contact MID before applying; commissioner must deem temporary authority necessary for servicing the insurance business.
Duration
No more than 180 days; authority cannot continue after the owner or personal representative disposes of the business.
Eligibility
Surviving spouse or court-appointed personal representative of a producer who dies or becomes mentally or physically disabled; service the business while arranging sale, recovery or training and licensing replacement personnel.
Examination
83-17-69 authorizes issuance without examination.
Sponsor And Limits
Commissioner may require a suitable licensed producer or insurer sponsor, limit authority and revoke it when public or insured interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Personal Lines Producer

Provider
Pearson VUE
Format
Written licensing examination; test centre or online delivery
Exam questions
75 scored questions
Time limit
120 minutes
Passing score
70%
Exam fee
$50
Examination outline
  • I. TYPES OF PROPERTY POLICIES
    • Homeowners
    • Homeowners > HO-2
    • Homeowners > HO-3
    • Homeowners > HO-4
    • Homeowners > HO-5
    • Homeowners > HO-6
    • Homeowners > HO-8
    • Dwelling policies
    • Dwelling policies > DP-1
    • Dwelling policies > DP-2
    • Dwelling policies > DP-3
    • Inland marine
    • Inland marine > Personal Articles floaters
    • National Flood Insurance Program
    • Others
    • Others > Earthquake
    • Others > Mobile Homes
    • Others > Watercraft
    • Others > Windstorm
  • II. TYPES OF CASUALTY POLICIES
    • Automobile: personal auto
    • Automobile: personal auto > Liability
    • Automobile: personal auto > Liability > Bodily Injury
    • Automobile: personal auto > Liability > Property Damage
    • Automobile: personal auto > Liability > Split Limits
    • Automobile: personal auto > Liability > Combined Single Limit
    • Automobile: personal auto > Medical Payments
    • Automobile: personal auto > Physical Damage (collision; other than collision; specified perils)
    • Automobile: personal auto > Uninsured motorists
    • Automobile: personal auto > Underinsured motorists
    • Automobile: personal auto > Who is an insured
    • Automobile: personal auto > Types of Auto
    • Automobile: personal auto > Types of Auto > Owned
    • Automobile: personal auto > Types of Auto > Non-owned
    • Automobile: personal auto > Types of Auto > Hired
    • Automobile: personal auto > Types of Auto > Temporary Substitute
    • Automobile: personal auto > Types of Auto > Newly Acquired Autos
    • Automobile: personal auto > Types of Auto > Transportation Expense and Rental Reimbursement Expense
    • Automobile: personal auto > Exclusions
    • Umbrella/Excess liability
  • III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS
    • Insurance
    • Insurance > Law of Large Numbers
    • Insurable interest
    • Risk
    • Risk > Pure vs. Speculative Risk
    • Hazard
    • Hazard > Moral
    • Hazard > Morale
    • Hazard > Physical
    • Peril
    • Loss
    • Loss > Direct
    • Loss > Indirect
    • Loss Valuation
    • Loss Valuation > Actual cash value
    • Loss Valuation > Replacement cost
    • Loss Valuation > Market value
    • Loss Valuation > Stated value
    • Loss Valuation > Salvage value
    • Proximate cause
    • Deductible
    • Indemnity
    • Limits of liability
    • Coinsurance/Insurance to value
    • Occurrence
    • Cancellation
    • Nonrenewal
    • Vacancy and unoccupancy
    • Liability
    • Liability > Absolute
    • Liability > Strict
    • Liability > Vicarious
    • Negligence
    • Binder
    • Endorsements
    • Blanket vs. Specific
    • Burglary, Robbery, Theft, and Mysterious Disappearance
    • Warranties
    • Representations
    • Concealment
    • Deposit Premium/Audit
    • Certificate of Insurance
    • Damages
    • Damages > Compensatory
    • Damages > Compensatory > General
    • Damages > Compensatory > Special
    • Damages > Punitive
    • Compliance with Provisions of Fair Credit Reporting Act
  • IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW
    • Declarations
    • Insuring agreement
    • Conditions
    • Exclusions
    • Definition of the insured
    • Duties of the insured after a loss
    • Obligations of the insurance company
    • Mortgagee rights
    • Proof of loss
    • Notice of claim
    • Appraisal
    • Other Insurance Provision
    • Subrogation
    • Elements of a contract
    • Sources of underwriting information
    • Fair Credit Reporting Act
    • Privacy Protection (Gramm Leach Bliley)
    • Policy Application
    • Terrorism Risk Insurance Act (TRIA)
    • Cancellation and nonrenewal provisions
    • Supplementary payments
    • Loss settlement provisions including consent to settle a loss
    • Territory
  • V. Mississippi Personal Lines Insurance Laws
    • Commissioner
    • Commissioner > Broad Powers
    • Commissioner > Examination of Records
    • Commissioner > Notice of hearing
    • Commissioner > Rates and Forms
    • Commissioner > Penalties
    • Commissioner > Unlicensed activities
    • Terms and concepts
    • Terms and concepts > Insurer
    • Terms and concepts > Insurance transaction
    • Terms and concepts > Admitted and Non-admitted insurers
    • Terms and concepts > Domestic, foreign and alien Insurers; certificate of authority
    • Terms and concepts > Mississippi Insurance Guaranty Association
    • Terms and concepts > Mississippi State Rating Bureau
    • Terms and concepts > Mississippi Residential Property Insurance Underwriting Association
    • Terms and concepts > Mississippi Windstorm Underwriting Association
    • Terms and concepts > Valued Policy
    • Licensing
    • Licensing > Persons required to be licensed
    • Licensing > Persons required to be licensed > Insurance Producer
    • Licensing > Persons required to be licensed > Insurance Adjuster
    • Licensing > Persons required to be licensed > Resident/non-resident
    • Licensing > Persons required to be licensed > Exemptions
    • Licensing > Appointments/Termination of Appointments
    • Licensing > Penalties for noncompliance
    • Licensing > Penalties for noncompliance > Refusal/nonrenewal
    • Licensing > Penalties for noncompliance > Suspension/revocation
    • Licensing > Penalties for noncompliance > Administrative fines
    • Licensing > Maintenance and duration of license
    • Licensing > Maintenance and duration of license > Renewal
    • Licensing > Maintenance and duration of license > Continuing Education
    • Licensing > Maintenance and duration of license > Notify Commissioner of Change in Address
    • Licensing > Maintenance and duration of license > Report Administrative or Criminal Action
    • Marketing Practices
    • Marketing Practices > Protection of public interest
    • Marketing Practices > Unfair Practices
    • Marketing Practices > Unfair Practices > Unfair claims methods and trade practices
    • Marketing Practices > Unfair Practices > Producer’s Compensation Disclosure
    • Marketing Practices > Unfair Practices > Rebating/illegal dealing in premiums
    • Marketing Practices > Unfair Practices > Illegal inducements
    • Marketing Practices > Unfair Practices > Twisting
    • Marketing Practices > Unfair Practices > Misrepresentation
    • Marketing Practices > Unfair Practices > Credit Scoring Adverse-Action
    • Marketing Practices > Unfair Practices > Defamation
    • Marketing Practices > Unfair Practices > Discrimination
    • Marketing Practices > Unfair Practices > Failure to issue proper receipts
    • Marketing Practices > Unfair Practices > Cease and desist
    • Marketing Practices > Unfair Practices > Advertising
    • Marketing Practices > Unfair Practices > Fraud
    • Marketing Practices > Producer responsibilities
    • Marketing Practices > Producer responsibilities > Policy deliveries
    • Marketing Practices > Producer responsibilities > Premium accountability (e.g. fiduciary responsibility)
    • Marketing Practices > Producer responsibilities > Separate Account Requirement
    • Marketing Practices > Producer responsibilities > Reply to the Insurance Commissioner
    • Marketing Practices > Producer responsibilities > Burden of determining authorization
    • Marketing Practices > Compensation
    • Marketing Practices > Compensation > Payment of commissions
    • Marketing Practices > Compensation > Duly licensed producer
    • Marketing Practices > Compensation > Referral Fee
    • Marketing Practices > Compensation > Controlled Business
    • Cancellation/Nonrenewal
    • Cancellation/Nonrenewal > Property policies
    • Cancellation/Nonrenewal > Property policies > Personal Lines
    • Cancellation/Nonrenewal > Property policies > Personal Lines > Homeowners
    • Cancellation/Nonrenewal > Property policies > Personal Lines > Automobile
    • Cancellation/Nonrenewal > Proof of Notice
    • Applications and Binders
    • Applications and Binders > Binding coverage
    • Automobile
    • Automobile > Financial Responsibility
    • Automobile > Uninsured/Underinsured motorist
Examination sources