PracticeVideosBlogFlashcards
All Practice Exams

Free Practice Questions for MS Life & Health

Exam-style questions and explanations by OpenExamPrep.

✓ No registration✓ No credit card
655+ Questions
100% Free

Loading practice questions...

Same family resources

Explore More Life & Health Insurance

Continue into nearby exams from the same family. Each card keeps practice questions, study guides, flashcards, videos, and articles in one place.

Life & Health

Practice Questions425 questionsStudy Guide124 topicsCheat Sheet71 factsFlashcards50 cardsGames40 termsFeedCourse Playlist79 videosVideos120 videosBlogs70 blogs

California Life & Health Insurance

Practice Questions647 questionsStudy Guide88 topicsCheat Sheet80 factsFlashcards50 cardsGames43 termsFeedCourse Playlist79 videosVideos3 videosBlogs4 blogs

Alabama Life & Health Insurance

Practice Questions625 questionsStudy Guide13 topicsCheat Sheet187 factsFlashcards50 cardsGames20 termsFeedCourse Playlist79 videosVideos1 videoBlogs4 blogs

Florida Life & Health Insurance

Practice Questions596 questionsStudy Guide88 topicsCheat Sheet176 factsFlashcards50 cardsGames44 termsFeedCourse Playlist79 videosVideos2 videosBlogs4 blogs

Texas Life & Health Insurance

Practice Questions649 questionsStudy Guide26 topicsCheat Sheet128 factsFlashcards50 cardsGames43 termsFeedCourse Playlist79 videosVideos2 videosBlogs3 blogs

Georgia Life & Health Insurance

Practice Questions625 questionsStudy Guide19 topicsCheat Sheet224 factsFlashcards50 cardsGames20 termsFeedCourse Playlist79 videosVideos1 videoBlogs2 blogs

More From This Family

Videos and articles for deeper review.

Video100+ FREE Life Insurance Sales Roleplay Drills (2026)Video9 Science-Backed Study Methods for Certification Exams (2026)VideoAccelerated Death Benefit ExplainedVideoActual Cash Value (ACV) ExplainedArticleLife & Health Exam 2026: Hardest Topics and Study Plan18 min readArticleCertification Exam Study Schedules 2026: Six Weekly Plans20 min readArticle100+ FREE Life Insurance Sales Roleplay Drills (2026)12 min readArticleFree Life & Health Insurance Practice Questions 2026: 400+ Exam Questions12 min read
Exam Review

Key Facts: MS Life & Health Exam

115+10

Scored + Pretest Questions

Pearson VUE MS content outline

150 min

Exam Time

Pearson VUE MS handbook

$50

Exam Fee

Pearson VUE MS handbook

65%

Passing Score

Pearson VUE MS handbook

20 hrs (A&H only)

Prelicense Education

Mississippi Insurance Department

24 hrs

CE Every 2 Years

Mississippi Insurance Department

Mississippi's Pearson VUE handbook and content outline list the combined Life, Accident and Health producer exam at 115 scored questions plus 10 pretest questions, 150 minutes, a $50 fee, and a 65% passing score. Since House Bill 819 took effect July 1, 2024, Life applicants are exempt from the 20-hour prelicensing course, while Accident and Health still requires 20 hours; CE is 24 hours every 2 years, including 3 hours of ethics.

Sample MS Life & Health Practice Questions

Try these sample questions to review concepts for the MS Life & Health exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 655+ question experience with AI tutoring.

1Which state agency is responsible for regulating insurance companies and producers in Mississippi?
A.Mississippi Insurance Commission
B.Mississippi Insurance Department (MID)
C.Mississippi Bureau of Insurance Regulation
D.Mississippi Department of Finance, Insurance Division
Explanation: The Mississippi Insurance Department (MID) is the state agency that regulates insurance activities under Title 83 of the Mississippi Code. The Mississippi Insurance Commission, Bureau of Insurance Regulation, and Department of Finance Insurance Division do not exist as named. The Insurance Commissioner is elected statewide by Mississippi voters.
2How is the Mississippi Insurance Commissioner selected?
A.Appointed by the Governor and confirmed by the Mississippi Senate
B.Elected by popular vote in a statewide election
C.Appointed by the Mississippi Legislature
D.Selected by a board of insurance industry representatives
Explanation: In Mississippi, the Insurance Commissioner is elected by popular vote in a statewide election. The office is not appointed by the Governor or Legislature.
3Under Mississippi law, which title of the Mississippi Code governs insurance regulation?
A.Title 8 - Commercial Law
B.Title 22 - Health, Mental Health, and Environmental Control
C.Title 83 of the Mississippi Code - Insurance
D.Title 34 - Professions and Businesses
Explanation: Title 83 of the Mississippi Code is specifically designated as the Insurance Code and contains all statutes governing insurance companies, producers, policies, and regulatory requirements in the state. Title 8 covers commercial law, Title 22 addresses health administration, and Title 34 covers other professions but not insurance producers specifically.
4Under Mississippi Insurance Department rules (effective July 1, 2024, per HB 819), what pre-licensing education is required for the Accident & Health line of authority before testing?
A.No pre-licensing education is required for any line
B.20 hours of approved pre-licensing education for the Accident & Health line (the Life-only line is exempt)
C.40 hours for Life and 40 hours for Health
D.60 hours covering both Life and Health combined
Explanation: Effective July 1, 2024, Mississippi House Bill 819 exempted the Life-only line of authority from the pre-licensing education requirement. The Accident & Health (or Sickness) line still requires 20 hours of approved pre-licensing education before sitting for the exam. Applicants seeking the combined Life, Accident & Health license must satisfy the 20-hour Health requirement; no Life-specific course is required.
5What is the minimum age requirement to obtain an insurance producer license in Mississippi?
A.16 years old
B.18 years old
C.19 years old
D.21 years old
Explanation: Mississippi requires that insurance producer license applicants be at least 18 years of age. While Mississippi's general age of majority is 19, the insurance producer licensing requirement is 18. An applicant who is 16 is too young, and there is no 21-year-old requirement for producer licensing in Mississippi.
6How many hours of continuing education (CE) must a Mississippi insurance producer complete per biennial licensing period?
A.12 hours per year
B.20 hours per biennium
C.24 hours per biennium
D.30 hours per biennium
Explanation: Mississippi requires insurance producers to complete 24 hours of approved continuing education during each two-year (biennial) licensing period. This includes specific hours dedicated to ethics training. 20 hours is the pre-licensing requirement, not CE. 12 hours per year and 30 hours per biennium are not the correct Mississippi CE requirements.
7A Mississippi insurance producer fails to renew their license before the expiration date. What is the consequence under Mississippi law?
A.The license is automatically renewed with a late fee
B.The producer may continue selling for 30 days while completing renewal
C.The producer must cease all insurance activities until the license is reinstated
D.The MID will issue a temporary permit valid for 90 days
Explanation: Under Mississippi law, a producer whose license has expired must immediately cease all insurance activities. Transacting insurance without a valid license is a violation of Title 83 of the Mississippi Code. There is no automatic renewal, no grace period to continue selling, and the MID does not issue temporary permits for lapsed licenses. The producer must apply for reinstatement and may be subject to penalties.
8Which of the following actions would the Mississippi Commissioner of Insurance be authorized to take against a licensed producer who violates Title 83 of the Mississippi Code?
A.Impose criminal penalties including imprisonment
B.Revoke, suspend, or refuse to renew the producer's license and impose civil penalties
C.Order the producer to pay restitution directly to consumers without a hearing
D.Transfer the producer's license to another state for disciplinary proceedings
Explanation: The Mississippi Commissioner of Insurance has the authority to revoke, suspend, or refuse to renew a producer's license and impose civil penalties for violations of insurance laws. Criminal penalties require prosecution through the court system, not the Commissioner's office. The Commissioner cannot order restitution without due process, and licenses are state-specific and cannot be transferred to another jurisdiction for discipline.
9A nonresident producer wants to sell life insurance in Mississippi. Which of the following is required?
A.The producer must establish a physical office in Mississippi
B.The producer must hold a valid license in their home state and apply for a nonresident license in Mississippi
C.The producer must pass the Mississippi insurance producer examination
D.The producer must complete Mississippi's 20-hour pre-licensing course
Explanation: Under Mississippi's reciprocal licensing provisions, a nonresident producer must hold a valid license in their home state and apply for a nonresident license in Mississippi. They are generally not required to retake the licensing exam or complete Mississippi's pre-licensing education if their home state has reciprocal agreements. They also do not need to establish a physical office in Mississippi.
10Under Mississippi's CE requirements, how many of the 24 required biennial hours must be in ethics?
A.2 hours
B.3 hours
C.4 hours
D.6 hours
Explanation: Mississippi requires that 3 of the 24 biennial continuing education hours be dedicated to ethics training. This ethics component ensures producers maintain current knowledge of ethical standards and regulatory compliance. 2 hours and 4 hours are not the correct Mississippi ethics CE requirement, and 6 hours would exceed the mandate.

About the MS Life & Health Exam

The Mississippi life and health producer exam combines national insurance fundamentals with Mississippi licensing and compliance requirements under Title 83. The current Pearson VUE materials list a 150-minute testing window for the combined line.

Exam sponsor: Mississippi Insurance Department / Pearson VUE. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

125 questions

Time Limit

2 hours 30 minutes (150 minutes)

Passing Score

65%

Exam / Certification Fees

$50

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

15 of 115 scored

Types of Life Policies

Whole life, interest-sensitive and variable products, term life, annuities, and combination plans

15 of 115 scored

Life Policy Riders, Provisions, Options, and Exclusions

Policy riders, provisions and options, and policy exclusions

12 of 115 scored

Completing the Application, Underwriting, and Delivering Life Policies

Application, underwriting, policy delivery, and contract law

8 of 115 scored

Retirement and Other Life Insurance Concepts

Third-party ownership, life settlements, group life, retirement plans, needs analysis, Social Security, and tax treatment

16 of 115 scored

Types of Accident and Health Policies

Disability income, AD&D, medical expense plans, Medicare supplement, group insurance, long-term care, and other policies

15 of 115 scored

Health Provisions, Clauses & Riders

Mandatory and optional provisions, other provisions and clauses, riders, and rights of renewability

6 of 115 scored

Social Insurance

Medicare Parts A, B, C and D, Medicaid, and Social Security benefits

5 of 115 scored

Other Accident and Health Insurance Concepts

Disability definitions, coordination of benefits, tax treatment, managed care, workers compensation, and subrogation

8 of 115 scored

Field Underwriting Procedures

Application, sources of insurability and HIPAA privacy, premium receipts, policy delivery, replacement, and contract law

15 of 115 scored

Mississippi Life and Health Insurance Laws

Commissioner powers, definitions, producer licensing, marketing practices, producer responsibilities, and compensation under Title 83

Preparing for the MS Life & Health Exam

What You Need to Know

  • Passing score: 65%
  • Exam length: 125 questions
  • Time limit: 2 hours 30 minutes (150 minutes)
  • Exam / certification fees: $50 Official sources

Using Our Practice Resources

  • Work through all 655 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

MS Life & Health: Suggested Study Strategy

1Use Mississippi's published exam structure for pacing: 125 total items in 150 minutes
2Prioritize life-policy provisions and replacement scenarios, which are frequent test themes
3Master health-policy cost-sharing and disability-income definitions to avoid easy misses
4Practice ethics questions on rebating, twisting, and premium-fund handling
5Run timed mixed sets weekly and review every missed rationale by domain

Frequently Asked Questions

How many questions are on Mississippi's combined Life/Accident/Health exam?

Current Mississippi Pearson VUE materials list 115 scored questions plus 10 pretest questions (125 total) with a 150-minute seat time.

How much does the Mississippi life and health exam cost?

The Mississippi Pearson VUE candidate handbook lists a $50 exam fee for the combined producer exam line.

What pre-licensing education does Mississippi require?

Since House Bill 819 took effect July 1, 2024, Mississippi no longer requires the 20-hour pre-licensing course for the Life line. The Accident and Health line still requires 20 hours of approved pre-licensing education.

What continuing education is required in Mississippi?

Mississippi requires resident producers to complete 24 CE hours every 2 years, including ethics content, to keep licenses active.