Mississippi P&C Exam: 100 Questions, $52 Fee + Study Plan (2026)

Last updated: July 1, 2026. Sources: Mississippi Insurance Department licensing pages and Pearson VUE Mississippi Insurance Candidate Handbook (publication 122500) and Content Outlines (publication 122501).

Mississippi P&C Producer Outline: Fast Answer

If you are studying for the Mississippi Property and Casualty producer license, anchor your prep to the official structure below. The combined exam is administered by Pearson VUE for the Mississippi Insurance Department (MID).

• Exam name: Property and Casualty Producer (combined)
• Exam code: InsMS-PC06 (test center) / OPMS_PC06 (OnVUE online proctoring)
• Questions: 100 total (90 scored + 10 unscored pretest)
• Time limit: 150 minutes (2.5 hours)
• Exam fee: $52 per attempt (paid to Pearson VUE at reservation)
• Passing score: 70% of the 90 scored questions
• Prelicensing education: 40 hours (20 hours Property + 20 hours Casualty) through an MID-approved provider
• License fee: $100 paid to MID after passing, with $100 biennial renewal

Official 2026 Outline Snapshot (Mississippi)

The Pearson VUE Mississippi content outline allocates the 90 scored items across seven weighted domains:

High-level takeaway: Mississippi state law is the single largest domain, and combined casualty domains (IV-VI) account for 35 of 90 scored questions. Property and casualty mastery plus state law together decide whether you pass.

Exam Structure and Timing

Pretest items are indistinguishable from scored items during delivery, so answer every question. The 10 pretest questions help Pearson VUE validate future items and do not count against your score.

Eligibility and Prelicensing Education

Before you can sit for the Mississippi P&C producer exam, you must meet the state's eligibility rules:

• Minimum age: 18 years old before the exam date.
• Prelicensing education: 40 hours for the combined Property and Casualty line, broken down as 20 hours Property and 20 hours Casualty, completed through an MID-approved provider. (Mississippi eliminated the prelicensing requirement for the Life line effective July 1, 2024 under House Bill 819, but the Property and Casualty requirement is unchanged.)
• Certificate of completion: Your provider issues a certificate after you pass a proctored certificate exam at 70% or higher. The certificate is valid for two years and must be presented at the test center.
• Fingerprinting and background check: Required as part of the license application, not the exam itself.
• ID on exam day: Two forms of original, valid, non-expired government-issued ID. The first must include name, photo, and signature; the second must include name and signature. Names must match your registration exactly.

If you hold an existing license in another state, check MID's reciprocity rules before registering, because some candidates can skip the exam through reciprocal licensing.

How to Register

1. Complete the 40-hour prelicensing course and receive your completion certificate.
2. Create an account at the Pearson VUE Mississippi insurance portal (client code MSINS) at www.pearsonvue.com/ms/insurance or call (888) 293-4222.
3. Schedule the combined Property and Casualty Producer exam (InsMS-PC06) at a Mississippi test center (Jackson, Gulfport, Tupelo, Meridian, Ridgeland, and others) or online via OnVUE.
4. Pay the $52 fee at reservation by credit card, debit card, or voucher. Fees are not accepted at the test center.
5. After passing, submit your license application through NIPR or Sircon and pay the $100 license fee to MID.

Reservations must be made at least one calendar day before your desired exam date. OnVUE online proctoring is available for the combined P&C exam, but it is not available for the Life, Accident & Health, or Sickness producer exam in Mississippi.

High-Yield Topics by Domain

Property side (Domains I-III)

• HO policy form differences (HO-2, HO-3, HO-4, HO-5, HO-6, HO-8)
• Dwelling policy differences (DP-1, DP-2, DP-3)
• Commercial property forms and causes of loss forms (basic, broad, special)
• Business income vs extra expense and coinsurance calculations
• Inland marine basics and floating property treatment
• Core contract provisions: conditions, exclusions, subrogation, other insurance, cancellation
• Valuation: replacement cost, actual cash value, agreed value, functional valuation

Casualty side (Domains IV-VI)

• CGL coverage parts, triggers (occurrence vs claims-made), and key exclusions
• Commercial auto and personal auto policy (PAP) role separation
• Workers compensation statutory benefits vs employer liability
• Crime, fidelity bonds, surety bonds, and umbrella/excess concepts
• Liability concepts: negligence, absolute/strict liability, vicarious liability
• Casualty policy conditions and claims duties
• Auto coverages: liability, medical payments, PIP, uninsured/underinsured motorist

Mississippi state law (Domain VII)

• Commissioner powers and licensing authority
• Producer duties, prohibited practices, and rebating rules
• Required policy provisions and cancellation/nonrenewal notice rules
• Unfair trade practices: twisting, misrepresentation, false advertising, fiduciary misuse
• Market conduct and complaint handling
• State auto insurance financial responsibility requirements

Memorization Map That Works

Use a two-layer map to organize every topic you study:

1. Coverage map

• What is covered
• Who is covered
• What is excluded
• What conditions apply

1. State-law map

• Who can sell
• What they can and cannot do
• What must be disclosed
• How complaints and discipline flow

If you cannot place a topic into one of these two maps, you probably do not know it well enough yet. This map is also the fastest way to decide whether a question is testing national policy knowledge or a Mississippi-specific rule.

4-Week Study Plan

Week 1 — Property forms and terminology

• Read the official content outline and mark every domain with its question count.
• Complete the 20-hour Property prelicensing module if you have not already.
• Drill 40-60 mixed property questions on HO forms, DP forms, commercial property, and valuation.
• Build a one-page coverage map for property.

Week 2 — Casualty policies and terminology

• Complete the 20-hour Casualty prelicensing module.
• Drill 60-80 mixed casualty questions on CGL, auto, workers compensation, and bonds.
• Add a casualty layer to your coverage map.

Week 3 — Mississippi law and weak-area repair

• Read the Mississippi state-law domain (Domain VII) outline twice.
• Build a one-page Mississippi checklist: commissioner powers, producer duties, cancellation rules, unfair practices.
• Take two timed 100-question mixed sets and review every miss.

Week 4 — Timed final simulations

• Take at least three full timed simulations under exam conditions (150 minutes, no breaks).
• Keep a review notebook organized by domain.
• Final-day pass: formulas, definitions, and the Mississippi state-law checklist.

Pass Benchmark Before Scheduling

Use these thresholds before you book your exam:

The real passing score is 70%, but this 80%+ buffer reduces retake risk. Candidates who schedule before hitting the buffer often retake, and each retake costs another $52.

Retake Policy

If you fail the Mississippi P&C producer exam:

• You must wait one full day before scheduling a reexamination.
• You must schedule the retake through Pearson VUE (not at the test center).
• The full $52 exam fee is required for every retake.
• Mississippi imposes no limit on the number of retakes.
• Exam fees are non-refundable and non-transferable, except under the published change and cancellation policy.

Use the score report to rebuild your two weakest domains before retaking. Blindly retaking without targeted repair usually produces the same result.

After You Pass: Licensing Steps

Passing the exam is not the same as holding a license. After passing:

1. Submit your producer license application through NIPR (nipr.com) or Sircon (sircon.com/mississippi).
2. Pay the $100 license fee to the Mississippi Insurance Department.
3. Complete fingerprinting and the background check if not already done.
4. Receive your producer license (typically processed within a few business days).
5. Renew every two years by paying the $100 renewal fee and completing 24 hours of continuing education, including 3 hours of ethics, per renewal cycle.

Keep your certificate of completion and exam score report until the license is issued, in case MID requests documentation.

Exam-Day Strategy

1. First pass: answer sure items quickly and flag long scenario questions.
2. Protect the last 15-20 minutes for review.
3. Do not overthink pretest-style odd items; answer them and move on.
4. Keep pace near 50 questions per hour (roughly 1.5 minutes per question).
5. If two answers are legally true, choose the one that answers the exact fact pattern.
6. Confirm your appointment, identification, remote-proctoring rules, and reschedule deadline before test day. Your legal name should match the exam registration exactly.

Common P&C Exam Traps

One trap is choosing the coverage that sounds familiar instead of the coverage that fits the loss. A flood loss, an employee injury, a professional advice claim, a business income interruption, and a personal auto collision may all involve money damages, but they do not belong in the same policy part. Another trap is ignoring who owns the property or who is legally liable. Property insurance usually protects the insured's financial interest in property; liability insurance responds to claims made by others against the insured.

Cancellation and nonrenewal questions deserve attention because the exam may test required notice, permitted reasons, timing, or who has authority to act. If the question is state-specific, do not rely on a generic national rule. Unfair trade practice questions work the same way: rebating, twisting, misrepresentation, false advertising, unfair claims handling, and fiduciary misuse of premiums are tested because they show whether a producer can operate lawfully after the exam.

What to Master for Property Questions

Property questions reward careful reading. Know the difference between named-peril and open-peril coverage, replacement cost and actual cash value, direct and indirect loss, vacancy and unoccupancy, and first-party property coverage versus third-party liability. Homeowners forms are a frequent source of points because the forms look similar but solve different problems. Practice identifying who is insured, what property is covered, which location qualifies as the residence premises, and whether the loss is excluded before an endorsement changes the answer.

Do not treat deductibles, limits, and valuation as afterthoughts. A question may describe a covered loss but test whether the settlement is reduced by deductible, limited by a sublimit, valued at actual cash value, or excluded because the cause of loss is not covered. Commercial property questions add business personal property, business income, extra expense, equipment breakdown, inland marine, and builder's risk concepts. For commercial forms, focus on why a business would need the coverage and what exposure remains if it does not have it.

What to Master for Casualty and Liability Questions

Casualty questions often turn on liability logic. Before choosing an answer, identify the claimant, the insured, the alleged injury or damage, and the legal theory. Negligence questions usually require duty, breach, causation, and damages. Liability policy questions ask whether the policy responds to bodily injury, property damage, personal and advertising injury, medical payments, or a specifically excluded exposure.

For auto, separate personal auto policy structure from state financial responsibility requirements. You need to know liability, medical payments or personal injury protection where relevant, uninsured and underinsured motorist concepts, damage to your auto, covered auto definitions, exclusions, and endorsements. For commercial auto, pay attention to covered auto symbols, hired and non-owned autos, business use, and garage exposures. For workers' compensation, separate statutory benefits from employer liability and remember that workers' compensation is not ordinary negligence coverage.

Final Two-Week Study Plan

In the first week, rotate by coverage family: homeowners and dwelling property, commercial property, personal auto, commercial auto, general liability, workers' compensation, and Mississippi law. After every practice set, write down whether each miss was caused by vocabulary, form structure, state rule, or careless reading. Vocabulary misses need flashcards. Form structure misses need diagrams. State-rule misses need a one-page Mississippi checklist. Careless reading needs slower question markup.

In the second week, stop studying by chapter only. The actual exam mixes topics, so your practice should mix them too. Use timed sets and force yourself to decide quickly whether the question is asking about coverage trigger, excluded cause, valuation, limit, condition, producer conduct, or state filing rule. Review explanations immediately. The review is where your score improves; simply taking more questions without fixing the reason for misses mostly measures the same weakness again.

Free Practice CTA

• Start Mississippi P&C Exam Prep — free practice questions, flashcards, and study chapters.
• Practice Property and Casualty Questions — timed mixed-question sets.
• Practice Mississippi P&C Questions — state-specific question bank.

Official Sources (2026)

• Mississippi Insurance Department — Licensing Examinations
• Mississippi Insurance Department — Pre-Licensing and Continuing Education
• Pearson VUE — Mississippi Insurance Licensing page
• Pearson VUE — Mississippi Insurance Candidate Handbook (PDF, publication 122500)
• Pearson VUE — Mississippi Insurance Content Outlines (PDF, publication 122501)
• NIPR — Mississippi Resident Licensing requirements

How to Verify the Rules Before You Schedule

Use this guide for exam strategy, then confirm the current licensing steps with official sources before you pay for an appointment. Property and casualty licensing is state-administered, and administrative details can change even when the insurance concepts stay the same. Check the Mississippi Insurance Department first, then the Pearson VUE candidate handbook, then the application path used after passing. The NAIC state insurance department directory is the safest way to find the current regulator site, and NIPR state requirements can help you confirm post-exam application steps.

For exam content, keep two buckets separate. The national bucket includes property policies, casualty policies, liability principles, negligence, risk management, policy structure, exclusions, conditions, endorsements, and claims concepts. The Mississippi bucket includes regulator authority, producer licensing, unfair practices, cancellation and nonrenewal rules, state auto requirements, residual market mechanisms, and local compliance duties. When a question includes a deadline, dollar limit, filing duty, required notice, or licensing step, ask whether it is a general insurance concept or a Mississippi rule.

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