Key Takeaways
- Mississippi requires NO pre-licensing education for Life insurance (exempt since July 1, 2024) but requires 20 hours for Health insurance
- The exam is administered by Pearson VUE with a 65% passing score required (lower than most states)
- Mississippi has an ELECTED Insurance Commissioner serving a 4-year term - one of only 11 states with elected commissioners
- License renewal requires 24 hours of CE every 2 years, including 3 hours of ethics
- The Mississippi Life & Health Guaranty Association protects policyholders if insurers become insolvent
Mississippi Life & Health Exam Overview
Welcome to OpenExamPrep's FREE Mississippi Life & Health Insurance exam prep guide. This comprehensive resource covers Mississippi-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam and begin your career as a licensed Life & Health producer.
About the Mississippi L&H Exam
The Mississippi Life & Health insurance examination is administered by Pearson VUE on behalf of the Mississippi Insurance Department (MID). The exam tests your knowledge of:
- Mississippi insurance law and regulations (Title 83 of the Mississippi Code)
- Life insurance principles and policy types
- Annuities and retirement products
- Health insurance including accident and sickness coverage
- Policy provisions and beneficiary designations
- Ethics and professional conduct
Exam Structure
| Exam Component | Life Only | Health Only | Life & Health Combined |
|---|---|---|---|
| Testing Provider | Pearson VUE | Pearson VUE | Pearson VUE |
| Total Questions | 60 | 60 | 115 |
| Time Limit | 90 minutes | 90 minutes | 150 minutes |
| Passing Score | 65% | 65% | 65% |
| Exam Fee | ~$52 | ~$52 | ~$52 |
Important: Mississippi requires only 65% to pass Life and Health exams—this is lower than the typical 70% required in most states.
Pre-Licensing Education Requirements
Mississippi has unique pre-licensing requirements that differ from most states:
Life Insurance - NO Pre-License Education Required
Effective July 1, 2024 (House Bill 819):
- Life insurance applicants are EXEMPT from pre-licensing education
- You can schedule your exam immediately
- Study at your own pace using exam prep materials
Health Insurance - 20 Hours Required
| Requirement | Details |
|---|---|
| Hours | 20 hours |
| Provider | MID-approved education provider |
| Certificate Validity | 2 years from completion |
| Certificate Exam | Must pass with 70% or better |
Note: If pursuing a combined Life, Accident & Health license, you only need to complete the 20-hour Health pre-licensing course (Life is exempt).
License Application Process
Step-by-Step Process
-
Complete Pre-Licensing Education (Health only)
- Finish 20 hours from approved provider
- Pass certificate exam with 70%+
- Certificate valid for 2 years
-
Schedule Your Exam
- Register with Pearson VUE online or by phone
- Pay exam fee
- Choose testing center or OnVUE remote proctored option
-
Take the Exam
- Arrive 30 minutes early (or log in early for online)
- Bring two forms of identification
- Pass with 65% or higher
-
Apply for License
- Apply online through Sircon or NIPR
- Pay $100 privilege tax fee
- Receive license from Mississippi Insurance Department
Total Costs
| Item | Cost |
|---|---|
| Pre-License Education (Health only) | $150 - $300 |
| Exam Fee | ~$52 |
| License Application Fee | $100 |
| TOTAL | ~$150 - $450 |
License Maintenance & Continuing Education
CE Requirements
| Requirement | Details |
|---|---|
| Total Hours | 24 hours every 2 years |
| Ethics | 3 hours required |
| Renewal Date | Last day of birth month, biennially |
CE Exemptions
- Age + Experience Exemption: Producers age 65+ with 25+ continuous years of licensure are exempt from CE (since April 2023)
- NAIFA Membership: Active NAIFA members can earn 4 hours CE credit through participation (since July 2025)
- Non-Residents: Must comply with home state CE requirements
Special Training Requirements
| Training | Requirement |
|---|---|
| Annuity Best Interest | One-time 4-hour course before selling annuities |
| Long-Term Care | Initial training + ongoing requirements |
Mississippi Insurance Department Contact
Important Resources
| Resource | Details |
|---|---|
| Website | www.mid.ms.gov |
| Phone | (601) 359-3569 |
| Consumer Hotline | (800) 562-2957 |
| Address | 1001 Woolfolk State Office Building<br/>501 North West Street<br/>Jackson, MS 39201 |
Testing Information
Pearson VUE
- Website: www.pearsonvue.com/ms/insurance
- Phone: (888) 293-4222
- Online scheduling available 24/7
- OnVUE remote proctoring available
What This Guide Covers
This FREE study guide focuses on Mississippi state-specific content:
Chapter 1: Mississippi Insurance Regulation & Licensing
- Mississippi Insurance Department structure (elected commissioner)
- Producer licensing requirements and pre-licensing education
- Ethics and professional responsibilities
- Prohibited practices and disciplinary actions
Chapter 2: Mississippi Life Insurance Regulations
- Life insurance policy requirements
- Standard policy provisions
- Mississippi Life & Health Guaranty Association
- Replacement regulations
Chapter 3: Mississippi Health Insurance Regulations
- Health insurance requirements
- Individual and group health coverage
- Medicare supplement regulations
- Long-term care insurance
Chapter 4: Mississippi Ethics & Consumer Protection
- Agent and producer duties
- Unfair trade practices
- Claims handling standards
- Consumer protection laws
national Life & Health exam preparationFree exam prep with practice questions & AI tutor
Study Tips for Success
Recommended Study Timeline
| Week | Focus | Hours |
|---|---|---|
| Week 1 | National L&H principles (if not completed) | 15-20 hours |
| Week 2 | Pre-license course (Health only) | 20 hours |
| Week 3 | Mississippi state law (this guide) | 10-15 hours |
| Week 4 | Practice exams and review | 10-15 hours |
| TOTAL | 55-70 hours |
Key Mississippi Facts to Remember
- Passing Score: 65% (lower than most states)
- Commissioner: ELECTED (one of only 11 states)
- Life Pre-License: NOT required (since July 2024)
- Health Pre-License: 20 hours required
- CE: 24 hours/2 years (including 3 ethics)
Good luck on your exam!
As of July 2024, how many hours of pre-licensing education does Mississippi require for a Life insurance license?
What is the passing score for the Mississippi Life & Health insurance exam?
How is the Mississippi Insurance Commissioner selected?
How many hours of continuing education does Mississippi require every 2 years?
Who administers the Mississippi insurance licensing exams?