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Mississippi Property Insurance — Requirements & Free Practice

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Personal Lines Producer

Individual insurance producer authority for Personal Lines. Property authority may be tested alone or in the real combined Property and Casualty examination; personal-lines authority is the noncommercial property and casualty line.

Licensing authority: Mississippi Insurance Department · Application information

Renewal or restoration affected by military service or medical disability
Mississippi Personal Lines Producer Examination
Discretion
Waiver is requested from the Commissioner; it is not assumed granted.
Extenuating circumstances
Military service or another extenuating circumstance, including long-term medical disability, prevents compliance with renewal procedures.
Line of authority
Personal Lines
Waiver
Section 83-17-63(4) permits requests to waive renewal procedures, any examination requirement, or a related fine or sanction.
Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the uniform application or home-state application and required fee; MID verifies home-state licensure in the NAIC database.
Existing license
Hold an active resident producer license in good standing for the same or similar authority in the home state.
Reciprocity
The home state grants Mississippi residents nonresident producer licenses on the same basis.
Residency
Nonresident.

Official no-examination sources

Effective from 2026-09-22.

Resident issuance based on previous same line licensure
No examination is required for this applicant pathway.
Currency
Currently licensed there, or application received within 90 days of cancellation with certification or NAIC records of good standing.
Prior license
Previously licensed for the same line of authority in another state.
Regulatory exception
Section 83-17-67(2) allows an otherwise applicable regulation to determine differently; the obtained Department instructions implement a clearance-based transfer.
Resident transfer
If moving to Mississippi, apply within 90 days of establishing legal residence; submit the previous-state clearance unless license status is verifiable electronically.

Official no-examination sources

Effective from 2026-09-22.

Reactivation from non active status
No examination is required for this applicant pathway.
Education
Resident licensee completes required continuing education.
Existing license
Keep the existing license current by requesting non-active status on every renewal and paying the renewal fee.
Notice
Notify MID in writing or by scanned email to change status to active.
Practice restriction
Non-active status means not selling, negotiating or soliciting.

Official no-examination sources

Effective from 2026-09-22.

Reapplication after lapse exceeding one year
Mississippi Personal Lines Producer Examination
Application
Complete and truthfully sign the NAIC Uniform Application; provide background explanations and documentation when applicable.
Exam alternative
Pass the Personal Lines Producer examination.
Fitness
No act constituting a statutory ground for denial, suspension or revocation.
Lapse
License expired for more than one year.
License fee
Pay the applicable licensing fee; the Department instructions state $100 for initial individual producer licensure.
Line of authority
Personal Lines
Minimum age
At least 18 years old.
New study
The Department requires a new prelicensing course and passage of a written examination, with all initial application requirements.
Prelicensing
Complete 20 hours of approved prelicensing study for the requested line, unless a statutory exemption applies.
Reinstatement within twelve months of lapse
No examination is required for this applicant pathway.
Appointment
Reinstatement causes a lapse; obtain a new insurer appointment after the license is restored.
Education
Complete applicable continuing education before reinstatement.
Fees
Section 83-17-63(3) assigns the late-renewal penalty to Section 27-15-215; the Department item 3 states a 50 percent late fee: A producer may reinstate his/her license within 12 months of the expiration without having to retake the examination, by paying the 50% late fee and completing approved continuing education, if required. The reinstatement will result in your license receiving a new issue date when processed by the Mississippi Insurance Department.
Time window
Within 12 months of the renewal-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Renewal with statutory competency examination discretion
Mississippi Personal Lines Producer Examination
Ce waiver
The Department offers a CE waiver for producers age 65 or older with 25 continuous years of licensure; apply using its affidavit.
Continuing education
Complete applicable continuing education: 24 hours including 3 ethics hours for a period over 18 months, or 12 hours for 18 months or less, subject to statutory exemptions.
Examination discretion
Section 83-17-39(1)(a) ordinarily excuses examination at renewal but allows the Commissioner to require it to establish competency; this is a condition on the current line-specific examination.
Line of authority
Personal Lines
Renewal
Submit the renewal and applicable fee by the due date.
Resident initial licensure by examination
Mississippi Personal Lines Producer Examination
Application
Complete and truthfully sign the NAIC Uniform Application; provide background explanations and documentation when applicable.
Exam alternative
Pass the Personal Lines Producer examination.
Fitness
No act constituting a statutory ground for denial, suspension or revocation.
License fee
Pay the applicable licensing fee; the Department instructions state $100 for initial individual producer licensure.
Line of authority
Personal Lines
Minimum age
At least 18 years old.
Passing score
70 percent for the referenced examinations.
Prelicensing
Complete 20 hours of approved prelicensing study for the requested line, unless a statutory exemption applies.
Residency
Mississippi resident without an applicable examination exemption.
Resident reapplication following revocation
Mississippi Personal Lines Producer Examination
Application
Complete and truthfully sign the NAIC Uniform Application; provide background explanations and documentation when applicable.
Exam alternative
Pass the Personal Lines Producer examination.
Fitness
No act constituting a statutory ground for denial, suspension or revocation.
Good cause
Show good cause why the revocation should not bar a new license; issuance remains subject to the Commissioner.
License fee
Pay the applicable licensing fee; the Department instructions state $100 for initial individual producer licensure.
Line of authority
Personal Lines
Minimum age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing study for the requested line, unless a statutory exemption applies.
Waiting period
No new producer application within one year of revocation, or within one year of the final court order affirming revocation if judicial review was sought.
Resident reapplication following suspension
Mississippi Personal Lines Producer Examination
Application
Complete and truthfully sign the NAIC Uniform Application; provide background explanations and documentation when applicable.
Disciplinary order
Satisfy the applicable suspension order and obtain Commissioner approval.
Discretionary exemption
For suspension less than one year before application, the Commissioner may excuse the examination under § 83-17-39(1)(d).
Exam alternative
Pass the Personal Lines Producer examination.
Fitness
No act constituting a statutory ground for denial, suspension or revocation.
License fee
Pay the applicable licensing fee; the Department instructions state $100 for initial individual producer licensure.
Line of authority
Personal Lines
Minimum age
At least 18 years old.
Prelicensing
Complete 20 hours of approved prelicensing study for the requested line, unless a statutory exemption applies.
Suspension
Previously suspended producer license.

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