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Mississippi Property & Casualty Insurance — Requirements & Free Practice

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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.

Personal Lines Producer

Narrower property and casualty authority for primarily noncommercial insurance sold to individuals and families.

Licensing authority: Mississippi Insurance Department · Application information

Renewal or restoration with military service or extenuating circumstance waiver request
Mississippi Personal Lines Producer Examination
Circumstances
Unable to comply with renewal procedures because of military service or other extenuating circumstances, including long-term medical disability.
Line Of Authority
Personal Lines
Waiver
Request a Commissioner waiver of renewal procedures, an examination requirement, or a fine/sanction. The waiver is discretionary; the applicable currently offered examinations remain identified.
Nonresident amendment to add authority
No examination is required for this applicant pathway.
Application
Submit the amendment form and $25 fee.
Home License
Must hold the added line or lines in the home state; MID verifies that licensure.
Line Of Authority
Personal Lines
Residency
Existing nonresident licensee.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the home-state application or completed Uniform Application and required fees; MID verifies home-state licensure through the NAIC producer database.
Home License
Current home-state resident license in good standing with the same or similar authority; the home state licenses Mississippi residents on the same reciprocal basis.
Line Of Authority
Personal Lines
Residency
Applicant is not a Mississippi resident.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal renewal
No examination is required for this applicant pathway.
Continuing Education
Home-state continuing education satisfies Mississippi requirements where reciprocal recognition applies.
License
Maintain home-state licensure in good standing and reciprocal recognition; submit the renewal application and appropriate fee.
Line Of Authority
Personal Lines

Official no-examination sources

Effective from 2026-09-22.

Reactivation of a maintained nonactive license
No examination is required for this applicant pathway.
Activation
Resident completes required continuing education and notifies MID in writing to change status to active; limited-line continuing education exemptions remain applicable.
License
Keep the license current by submitting the renewal fee and indicating nonactive status each period.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within twelve months
No examination is required for this applicant pathway.
Education
Resident continuing education must be compliant unless the limited-line or another statutory exemption applies.
Fee
Pay the renewal fee and fifty-percent late penalty, currently $150 total for an individual producer.
Lapse
Apply within twelve months after the renewal fee due date or expiration.
Licensure
Reinstatement produces a lapse and a new issue date; contact the insurer to obtain a new appointment.
Line Of Authority
Personal Lines

Official no-examination sources

Effective from 2026-09-22.

Resident amendment to add authority
Mississippi Personal Lines Producer Examination
Application
Submit the license amendment and $25 fee.
Education
Provide prelicensing education proof for each major line unless a statutory education exemption applies.
Line Of Authority
Personal Lines
Residency
Existing Mississippi resident licensee adding the stated line or lines.
Resident initial licensure with statutory education exemption
Mississippi Personal Lines Producer Examination
Application
Submit a complete, signed Uniform Application or MID individual producer application, provide requested background documents, and pay the $100 licensing fee.
Appointment
Before acting as the agent of an insurer, obtain the insurer appointment required for the business to be transacted.
Background
No act constituting a statutory ground for denial, suspension or revocation; disclose and document background matters as the application requires.
Education Exemption
A bachelor's degree with major coursework in insurance from an accredited institution of higher learning exempts prelicensing education.
Line Of Authority
Personal Lines
Minimum Age
At least eighteen years old.
Residency
Mississippi resident applicant.
Score Timing
Pass the required examination within two years before the license application, as the July 2025 handbook states.
Resident initial licensure by examination
Mississippi Personal Lines Producer Examination
Application
Submit a complete, signed Uniform Application or MID individual producer application, provide requested background documents, and pay the $100 licensing fee.
Appointment
Before acting as the agent of an insurer, obtain the insurer appointment required for the business to be transacted.
Background
No act constituting a statutory ground for denial, suspension or revocation; disclose and document background matters as the application requires.
Line Of Authority
Personal Lines
Minimum Age
At least eighteen years old.
Prelicensing
Twenty hours for the requested major line.
Residency
Mississippi resident applicant.
Score Timing
Pass the required examination within two years before the license application, as the July 2025 handbook states.
Resident renewal
Mississippi Personal Lines Producer Examination
Continuing Education
Complete the required twelve or twenty-four continuing education hours; for a term longer than eighteen months, the twenty-four hours include three ethics hours. Limited lines producers are exempt; statutory nonactive and age/service exemptions apply when their stated conditions are met.
Examination Discretion
Section 83-17-39(1)(a) ordinarily exempts renewal applicants but permits the Commissioner to require the applicable examination to establish competency. The examination leaves remain identified for that discretion.
License
Maintain the same line or lines through biennial renewal by the last day of the birth month and pay the $100 fee.
Line Of Authority
Personal Lines
Resident reapplication after a lapse longer than twelve months
Mississippi Personal Lines Producer Examination
Application
Meet all initial application requirements and pass the applicable current examination; the MID FAQ calls this a new application rather than reinstatement.
Education
Complete new prelicensing education when applicable; § 83-17-251 education exemptions, including limited lines, remain applicant conditions.
Lapse
Resident license expired for more than one year.
Line Of Authority
Personal Lines
Resident transfer of previously licensed authority
No examination is required for this applicant pathway.
Line Of Authority
Personal Lines
Move Deadline
A producer moving to Mississippi must apply within ninety days of establishing legal residence; MID instructions also state ninety days after clearing the previous resident license.
Previous License
Previously licensed in good standing for the same lines in the prior resident state; presently licensed there or application received within ninety days of cancellation, with clearance/certification or database verification.
Regulatory Exception
The statute reserves an exception where the Commissioner determines otherwise by regulation.

Official no-examination sources

Effective from 2026-09-22.

Reapplication following revocation
Mississippi Personal Lines Producer Examination
Application
Meet the applicable initial licensing requirements, including the identified current line examination.
Good Cause
Show good cause why the earlier revocation should not bar a new license; the Commissioner may refuse the new application.
Line Of Authority
Personal Lines
Waiting Period
At least one year after effective revocation, or after the final court order affirming revocation if reviewed.
Application following suspension less than one year earlier
Mississippi Personal Lines Producer Examination
Eligibility
Comply with the suspension order and application requirements; the exception does not itself order reinstatement.
Exemption
The Commissioner may exempt the applicant from the written examination under § 83-17-39(1)(d); absent that exercise of discretion, the applicable examination remains identified.
Line Of Authority
Personal Lines
Suspension
Applicant license to do business or act as a producer was suspended less than one year before application.

Mississippi Personal Lines Producer Examination

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