PassProfessor’s Mississippi program is part of the expanding PassProfessor catalog. The 9,012-question Mississippi practice bank is built and audited, and enrollment opens as the catalog expands. Join the notify list and we will email you when enrollment opens — then use this guide to plan your path to the exams.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
1. The Mississippi P&C exams, in one paragraph
Mississippi licenses property and casualty producers through Pearson VUE examinations administered for the Mississippi Insurance Department (MID) — and unlike states with a single combined outline, Mississippi publishes two separate producer examinations. The Property Producer exam (InsMS-Prop03) and the Casualty Producer exam (InsMS-Cas04) each present 70 multiple-choice questions in 120 minutes: 60 are scored — 50 on general insurance knowledge and 10 on Mississippi insurance law — and 10 are unscored pretest questions you cannot identify. The passing score on each exam is 70%, set by the Department. Candidates who want both lines usually sit both exams; Pearson VUE also offers a combined Property and Casualty Producer examination (90 scored questions in 150 minutes) covering the same material in one sitting. Before a license can issue, a resident applicant must also complete approved pre-licensing education — 20 hours for Property and 20 hours for Casualty — pass the required exam or exams, and apply to the Department with the $100 license fee. Passing an exam does not by itself make you licensed, and no part of the path is optional.
2. Who can take the Mississippi P&C exams?
Mississippi’s resident producer requirements, as the candidate handbook states them, are a sequence — education, examination, application — and each step gates the next stage of the process:
- Be at least 18 years old.
- Complete the required pre-licensing course. Mississippi requires 20 hours of approved pre-licensing education per line of authority — classroom or self-study — so Property requires 20 hours, Casualty requires 20 hours, and the combined Property and Casualty Producer license requires 40 hours. The Department’s list of approved providers is available through Sircon (under “Look Up Courses or Transcripts”). This requirement is real and frequently misstated online: Mississippi’s 2024 change (House Bill 819) removed the pre-licensing education requirement for the Life line only. Property and Casualty were not exempted. A practice program — including ours — does not satisfy this requirement and provides no education credit; your hours must come from a Department-approved provider.
- Pass the licensing examination or examinations for the lines you want: the Property Producer exam for the property line, the Casualty Producer exam for the casualty line (or the combined examination for the combined license).
- Submit the Uniform Application for an Individual Insurance Producer License, available through Sircon (www.sircon.com/mississippi) or NIPR, and remit the $100 application/license fee.
- Clear the Department’s background review. The handbook is explicit that the Department verifies that you have passed the required exam and that you have nothing in your background that should prohibit you from being licensed before it issues the license — passing the exam does not guarantee issuance. The handbook closes with a Misdemeanor/Felony Conviction Checklist: before applying, a candidate with a conviction history prepares a detailed written statement explaining the circumstances of each offense. Mississippi’s producer application process does not include a fingerprinting step in the handbook’s requirements — the fingerprint requirement stated in the handbook applies to bail agents, who are fingerprinted at the Department. Producer applicants should still expect the application itself to ask about their history and should answer it completely.
Two further cases worth knowing:
- Nonresident applicants who hold a license in good standing in their home state, where that state grants nonresident licenses to Mississippi residents on a reciprocal basis, generally apply without taking the Mississippi examination, using the NAIC Uniform Application through Sircon or NIPR. A nonresident who is becoming a Mississippi resident attaches an original Letter of Clearance (no older than 90 days from license expiration) — ask the Department about your specific situation before assuming a route.
- You cannot sell before you are licensed and appointed. The Department’s message in the handbook is blunt: you may not sell, solicit, or negotiate insurance, or accept a commission, until the Department has issued your license and an insurer has appointed you (see §6).
3. The exams, piece by piece
Each examination is built from its own Pearson VUE content outline (publication #122501, effective June 7, 2022). The two outlines share a shape — three general-knowledge sections and a Mississippi law section — but they are different tests, with different weights and different law content.
The Property Producer exam (InsMS-Prop03) — 60 scored questions
| Section | Scored questions | What it covers |
|---|---|---|
| I. Types of Policies | 22 | Homeowners (HO-2 through HO-8), dwelling policies, commercial lines and the commercial package policy, inland marine, the National Flood Insurance Program, and other property forms including earthquake, mobile homes, watercraft, farm owners, and windstorm |
| II. Insurance Terms and Related Concepts | 15 | Insurance and insurable interest, risk, hazard, peril, loss and loss valuation, proximate cause, deductible, indemnity, limits, coinsurance/insurance to value, negligence and liability, binders, endorsements |
| III. Policy Provisions and Contract Law | 13 | Declarations, insuring agreement, conditions, exclusions, duties of the insured, mortgagee rights, proof of loss, appraisal, subrogation, the elements of a contract, warranties and representations, the Fair Credit Reporting Act, privacy rules, TRIA |
| IV. Mississippi Property Insurance Laws | 10 | See the law-section breakdown below |
| Total scored | 60 | Plus 10 unscored pretest questions = 70 on screen, in 120 minutes |
The Casualty Producer exam (InsMS-Cas04) — 60 scored questions
| Section | Scored questions | What it covers |
|---|---|---|
| I. Types of Policies, Bonds, and Related Terms | 23 | Commercial general liability, personal and business auto, workers’ compensation and employers liability concepts, crime, bonds, professional liability, umbrella/excess liability, the businessowners policy |
| II. Insurance Terms and Related Concepts | 15 | Risk and hazards, indemnity, insurable interest, loss valuation, negligence, liability, occurrence, binders, warranties, representations and concealment, deposit premium/audit, certificates of insurance, damages |
| III. Policy Provisions | 12 | Declarations, insuring agreement, conditions, exclusions, definition of the insured, duties after a loss, cancellation and nonrenewal provisions, supplementary payments, proof of loss, arbitration, subrogation, loss settlement, TRIA |
| IV. Mississippi Casualty Insurance Laws | 10 | The shared law subsections (below) plus Automobile |
| Total scored | 60 | Plus 10 unscored pretest questions = 70 on screen, in 120 minutes |
The Mississippi law sections
The law section is 10 of the 60 scored questions on each exam, and the two exams share most of its structure. Both test: A. Commissioner (powers, examination of records, hearings, rates and forms, penalties, unlicensed activities); B. Terms and concepts; C. Licensing (who must be licensed, appointments and terminations, penalties for noncompliance, maintenance and duration of license); D. Marketing Practices (unfair practices, rebating, twisting, misrepresentation, producer responsibilities, compensation); E. Cancellation/Nonrenewal; and F. Applications and Binders.
Where they differ is the content inside those headings — and it is the most Mississippi-specific material on either test:
- On the Property exam, Terms and concepts includes the Mississippi Insurance Guaranty Association, the Mississippi State Rating Bureau, the Mississippi Residential Property Insurance Underwriting Association, the Mississippi Windstorm Underwriting Association — the coastal wind pool — and Mississippi’s valued policy rule. Cancellation/Nonrenewal is tested against property policies, including homeowners and automobile notice rules.
- On the Casualty exam, the law section adds G. Automobile: Mississippi’s financial responsibility law and its uninsured/underinsured motorist rules — the casualty-side statutes a Mississippi producer uses every week.
The combined sitting
Pearson VUE also lists a Property and Casualty Producer examination (InsMS-PC06): 90 scored questions plus 10 pretest questions in 150 minutes, for the same $50 fee, also available online. Its published outline compresses both lines into one blueprint — Types of Property Policies 15, Property Terms 11, Property Policy Provisions & Contract Law 9, Types of Casualty Policies, Bonds, and Related Terms 16, Casualty Terms 11, Casualty Policy Provisions 8, and a single Mississippi Property and Casualty Insurance Laws section of 20. The knowledge tested is the same two bodies of material; what changes is the sitting — one longer exam, scored as one examination, instead of two shorter ones scored independently. Which booking suits you depends on how you study best, but prepare for the structure you actually reserved.
Three structural facts that shape how you should prepare:
- Types of Policies is the center of gravity on both exams — 22 of 60 on Property, 23 of 60 on Casualty. Policy forms decide these exams; terms and provisions support them.
- Mississippi law is a sixth of each exam (10 of 60), and 20 of 90 on the combined sitting. It is also the most learnable material tested: named institutions, statutory duties, and defined procedures, drawn from Title 83 of the Mississippi Code and the Mississippi Administrative Code.
- The two separate exams are scored independently. There is no averaging across sittings — a strong Property result does nothing for a Casualty shortfall. Study and schedule them as two performances, not one event split in half.
Pretest questions. Each exam’s 10 pretest items are tryout questions Pearson VUE is evaluating for future exams. They do not affect your score, they are mixed in indistinguishably, and the handbook says so plainly: responses to pretest questions do not affect the score. The only correct strategy is to treat every question as scored.
4. The passing standard, explained
The passing score on both property and casualty examinations is 70%, determined by the Mississippi Insurance Department.
Two clarifications the handbook supports, and that candidates routinely get wrong:
- The 65% figure you will see online belongs to other Mississippi exams. The Life-only, Accident & Health-only, and combined Life/Accident & Health examinations pass at 65%. Every other Mississippi insurance examination — including Property, Casualty, and the combined Property and Casualty exam — passes at 70%. Study guides that quote 65% for P&C are describing the wrong license line.
- 70% is the Department’s standard, applied to a standardized exam. Pearson VUE builds multiple forms of each examination and controls them through standardization so that, in the handbook’s words, no individual has an unfair advantage or disadvantage because of a particular examination format. In practice: do not plan to land exactly on the line. Prepare until your full practice simulations sit comfortably above 70% on each exam’s blueprint separately — because each exam’s result stands alone.
Your score report. Candidates testing at a Pearson VUE center leave with an official score report in hand; all candidates can also access their score report through their Pearson VUE account. A duplicate score report is available the same way — log in and open your score reports. Neither MID nor Pearson VUE publishes a pass rate for these examinations in the candidate handbook or the Department’s licensing pages, so treat any precise “Mississippi pass rate” quoted by a study site as unsourced.
5. Fees and registration, step by step
Keep the payments separate in your mind — they go to different places at different times, and only one of them is the exam fee.
| Payment | Amount | Paid to | When |
|---|---|---|---|
| Pre-licensing education (20 hrs per line; 40 hrs for both) | Provider’s tuition (varies) | A Department-approved education provider | Before licensure — part of the required sequence |
| Exam fee — each separate exam | $50 | Pearson VUE | When you reserve each appointment |
| Exam fee — combined P&C exam (if you book it instead) | $50 | Pearson VUE | When you reserve |
| License application fee | $100 | The Department, via Sircon or NIPR | After you pass |
Sitting the two separate exams therefore costs $100 in exam fees; the combined sitting costs $50 once. Examination fees are nonrefundable and nontransferable, except as the Change/Cancel Policy allows (below). The license itself is valid for two years, and renewal is $100 biennially.
The sequence, in order:
- Complete your pre-licensing education with a Department-approved provider (find approved providers and your transcript through Sircon’s “Look Up Courses or Transcripts”). Keep your completion documentation — your education record is part of your licensing file.
- Reserve your exam or exams. Create an account and book on Pearson VUE’s Mississippi insurance page — https://www.pearsonvue.com/us/en/ms/insurance.html — or call (888) 293-4222. Reservations, online or by phone, must be made at least 24 hours before the desired examination date; walk-in examinations are not available. Have ready: your legal name, residence address, Social Security number, daytime telephone number, date of birth, the name of the examination, and your preferred dates and test center. The name you register under must match your government-issued identification exactly.
- Pay the $50 exam fee at reservation by credit card, debit card, or voucher. Fees are not accepted at the test center.
- Choose your delivery mode. The Property, Casualty, and combined examinations are each offered at Pearson VUE test centers and online via OnVUE proctoring. Mississippi licensure exams are also available at select Pearson VUE centers on military installations for service members, dependents, and authorized contractors. If you need to change or cancel, call Pearson VUE at least 48 hours before the examination to transfer the fee to a new reservation or request a refund; without proper notice, the fee is forfeited.
- Take the exam (see §8) and leave with your official score report.
- Apply for the license — after passing. Submit the Uniform Application through Sircon (www.sircon.com/mississippi) or NIPR with the $100 fee — electronically, or by check or money order if you apply by mail or in person. The Department does not print or mail licenses; your license is emailed to the business email on record, and you can print it through Sircon.
6. After you pass
- The clock: the Department requires that you have passed the required examination within two years of your license application. A pass older than that window does not support an application — the exam must be retaken. Apply promptly; there is no benefit to waiting.
- The review: the Department verifies your exam result and reviews your background before issuing. If your application or a renewal is denied, you are notified in writing of the reason. If you have a conviction history, complete the handbook’s Misdemeanor/Felony Conviction Checklist steps — a detailed written statement for each offense — before you apply.
- The appointment: a license authorizes you to hold the authority; an appointment by an insurance company is what lets you sell that company’s products. Within 15 days of an insurer authorizing you to transact business on its behalf, the insurer must enter your name and license number in its register of appointed producers. You may not solicit or accept commissions before you are both licensed and appointed.
- Keeping the license: licenses expire biennially on the last day of your birth month (a first license period runs between 13 and 24 months). Renewal requires continuing education reported by the provider to Sircon before renewal: producers with a license period of more than 18 months complete 24 hours including 3 hours of ethics; a period of 18 months or less requires 12 hours. Notify the Department in writing within 30 days of any change of resident address. A duplicate license costs $25.
7. Retakes and score validity
- Waiting period. If you do not pass, reservations for re-examination are not made at the test center. You must wait one (1) day before scheduling a re-examination, and the $50 exam fee applies to each attempt.
- Attempt limits by delivery mode. Testing at a Pearson VUE test center is unlimited. OnVUE online attempts are limited to two per exam type: if you do not pass your first OnVUE attempt, you must wait 14 calendar days before scheduling a second OnVUE attempt. A candidate who has used both OnVUE attempts still has the test-center route.
- Absence and lateness. If you are late or absent without changing or canceling under the 48-hour policy, you will not be admitted and the fee is forfeited. Pearson VUE considers excused-absence requests — illness, death in the immediate family, a disabling traffic accident, court appearance or jury duty, military duty, or a weather emergency — if you call within 14 days of the exam date; a case number is assigned and supporting documentation is emailed.
- Score validity. As above: two years from passing to a completed license application. The same discipline applies independently to each exam you pass — a Property pass and a Casualty pass taken far apart can leave the earlier one aging toward the window’s edge while you finish the second, so sequence your sittings and your application with the two-year clock in view.
8. Test day
At a Pearson VUE test center:
- Arrive at least 30 minutes early to complete registration. Your identification and documentation are reviewed, and you are photographed for the score report.
- Bring two forms of current signature identification. The primary ID must be government-issued, photo-bearing, and signed (driver’s license, passport, passport card, military ID, state/country identification card, or alien registration card, among the handbook’s list); the secondary ID must carry a valid signature (a Social Security card or a debit/credit card qualifies). Both must be unexpired, in English, and the name must exactly match your registration. Pearson VUE recognizes no grace periods — an ID that expired yesterday is expired, even if your state allows a renewal grace period. Candidates without the required items are denied admission, counted absent, and forfeit the fee. If you have changed your name, bring written documentation of the change (marriage license, divorce decree, or other official document).
- Sign the Candidate Rules Agreement. Suspected cheating or tampering is reported, the fee is not refunded, the exam may be invalidated, and the state may take further action.
- Leave personal items out of the room. Phones, watches, wallets, hats, bags, books, notes, and your own calculator are prohibited in the testing room; items are stored in a secure area or your vehicle, and electronics must be off. The administrator provides the materials you may use for notes or calculations; you may not write on them before the exam begins or remove them afterward. Breaks are unscheduled, the clock does not stop, and you may not leave the floor or building during a break.
- Use the tutorial. You get a computer tutorial before the exam; its time does not reduce your examination time. The exam clock starts when you look at the first question, and the exam ends automatically when time expires.
- Results: you leave with an official score report in hand, and your report is also available in your Pearson VUE account.
Online via OnVUE:
- Check in and prepare to launch at least 30 minutes before your confirmed time, after testing your computer system. You need a quiet, private location, a reliable device with a webcam, and a strong internet connection; you must remain in the proctor’s screen view for the entire session, keep your workspace prepared, and keep your phone out of reach.
- There are no unscheduled breaks in the OnVUE exam — commit the full session before you start, because leaving can get the exam revoked.
- Remember the OnVUE attempt rules from §7 (two attempts per exam type; a 14-day wait before the second). Candidates requiring testing accommodations for a disability must test at a physical test center. Candidates for whom English is a second language may request additional time (1½× the standard length) through Pearson VUE’s ESL process before reserving — do not book until the approval email arrives.
9. How to study for these exams
The outlines are the syllabus — Pearson VUE publishes exactly what each exam covers, with question counts per section, and the counts above are the exam’s own weights, not suggestions. A plan built on that structure:
- Sequence education first, practice alongside it. Mississippi requires 40 hours of approved education for the two lines, and that course is where the material is taught. Practice questions are how you convert taught material into retrievable knowledge — work section drills as you finish the corresponding course units, while the teaching is fresh, and reserve full simulations for after the course is complete.
- Give Types of Policies its combined weight. At 22 of 60 (Property) and 23 of 60 (Casualty), policy forms are close to two-fifths of each exam. Learn them comparatively — homeowners against dwelling forms, personal auto against business auto, CGL against the BOP and umbrella — because the exams test the boundaries between forms as much as the forms themselves.
- Treat the Mississippi-law sections as a separate subject with a deadline-driven memory load. Ten questions per exam ride on Title 83 content: what the Commissioner may do, how appointments and terminations work, which marketing practices are prohibited, what cancellation and nonrenewal require, how binders bind. On the property side, know the four Mississippi institutions by function — the Windstorm Association (coastal wind), the Residential Property Underwriting Association, the Guaranty Association (insolvent insurers), and the State Rating Bureau — plus the valued policy rule. On the casualty side, know the automobile subsection cold: financial responsibility and uninsured/underinsured motorist law.
- Practice each exam at its own full length, against its own clock. Seventy questions in 120 minutes is roughly a minute and forty seconds per question including the pretest items you cannot identify. That pace is comfortable when the material is known and punishing when it is not — full simulations are how you find out which one you are before the state does. If you booked the combined sitting, also rehearse the 100-question, 150-minute version; the endurance profile is different.
- Read every explanation, especially for questions you answered correctly. A right answer reached by a wrong reason is a wrong answer waiting for a differently worded question — and these outlines reward precise vocabulary (occurrence, binder, proximate cause, insurable interest) used in scenario form.
- Schedule when both blueprints say so. Book each exam when your full simulations on that exam’s outline sit comfortably above 70% with the law section no longer your weakest block. If one exam is ready and the other is not, take the ready one — the two-year application window rewards progress, and a banked pass focuses the remaining study.
This program’s Mississippi practice bank (9,012 questions, including 1,518 on Mississippi insurance law) is built section-by-section on these same two outlines, with generated exams for the Property blueprint, the Casualty blueprint, or a combined simulation. It is practice only — it does not provide or replace any part of the required 40 hours of approved pre-licensing education. The Mississippi Insurance Exam Prep program page shows the full coverage table — and the notify list there will email you when enrollment opens.
10. Frequently asked questions
How many questions are on the Mississippi property and casualty exams?
Mississippi publishes two separate producer examinations. The Property Producer exam and the Casualty Producer exam each present 70 questions in 120 minutes — 60 scored and 10 unscored pretest. Pearson VUE also offers a combined Property and Casualty Producer examination: 90 scored questions plus 10 pretest, in 150 minutes.
What is the passing score for the Mississippi P&C exams?
70% on each examination, set by the Mississippi Insurance Department. Mississippi’s 65% passing score applies only to the Life and Accident & Health examinations. The separate exams are scored independently.
Does Mississippi require pre-licensing education for a P&C license?
Yes: 20 hours of approved pre-licensing education for Property and 20 hours for Casualty — 40 hours for the combined property and casualty license — from a Department-approved provider. The 2024 exemption (House Bill 819) applies to the Life line only.
Does PassProfessor count toward the pre-licensing education requirement?
No. This program is exam preparation only; it is not an approved pre-licensing provider, provides no education credit, and satisfies no part of the 40-hour requirement. Complete your hours with a Department-approved provider, and use practice to prepare for the examinations themselves.
How much does the Mississippi P&C exam cost?
The exam fee is $50 per sitting, paid to Pearson VUE at reservation — $100 total for the two separate exams, or $50 for the combined examination. The license application after you pass is $100, paid through Sircon or NIPR. Your approved pre-licensing course charges its own tuition.
How do I register for the Mississippi insurance exams?
Reserve on Pearson VUE’s Mississippi insurance page or by calling (888) 293-4222, at least 24 hours before your test day. Walk-ins are not available. Register under the exact name on your government-issued ID, and pay the $50 fee by card or voucher when you book.
Can I take the Mississippi insurance exams online?
Yes. The Property, Casualty, and combined examinations are each available through OnVUE online proctoring as well as at Pearson VUE test centers. OnVUE attempts are limited to two per exam type, with a 14-day wait before a second OnVUE attempt; test-center attempts are unlimited.
What do I do after I pass?
Apply for your license through Sircon or NIPR with the $100 fee. Your pass must be within two years of your application. After the Department issues your license, you still need an insurer appointment — recorded by the insurer within 15 days of authorization — before you can sell that company’s products.
How long is my Mississippi exam score valid?
Two years. The Department requires that the required examination have been passed within two years of the license application; after that, the examination must be retaken.
If I fail, how soon can I retake the Mississippi exam?
You must wait one day before scheduling a re-examination, and the $50 fee applies per attempt. Retakes are scheduled through Pearson VUE, not at the test center. Online (OnVUE) retesting carries the additional two-attempt and 14-day rules described above.
Do I need to be fingerprinted to get a Mississippi producer license?
The candidate handbook’s producer requirements do not include a fingerprinting step — fingerprinting at the Department is a bail-agent requirement. Producer applicants are subject to the Department’s background review of the application; if you have a conviction history, the handbook requires a detailed written statement explaining each offense (its Misdemeanor/Felony Conviction Checklist).
What Mississippi-specific topics do the exams cover?
Each exam’s 10-question law section tests the Commissioner and the Department, licensing and appointments, marketing practices, cancellation and nonrenewal, and applications and binders under Title 83. The Property exam adds the Mississippi Windstorm Underwriting Association, the Residential Property Insurance Underwriting Association, the Insurance Guaranty Association, the State Rating Bureau, and the valued policy rule. The Casualty exam adds Mississippi automobile law: financial responsibility and uninsured/underinsured motorist rules.
Is there a combined Mississippi property and casualty exam?
Yes — Pearson VUE lists a combined Property and Casualty Producer examination (InsMS-PC06) with its own published outline, alongside the separate Property and Casualty examinations. Most study materials, and our practice bank’s blueprints, are organized around the two separate outlines because they show exactly how each line is weighted; the combined outline tests the same material in compressed weights. Prepare for the sitting you booked.
Disclaimer
PassProfessor is an independent exam-preparation provider and is not affiliated with the Mississippi Insurance Department, Pearson VUE, or any state agency or exam vendor. This guide is general information about the Mississippi licensing exams, current as of October 2026; Mississippi Insurance Department and Pearson VUE publications govern if anything here differs from them.