Free Practice Questions for MS Property & Casualty

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Exam Review

Key Facts: MS Property & Casualty Exam

Not Published

First-Time Pass Rate

MS Insurance Dept

90 Q

Exam Questions

MID

40 hrs

Pre-License Education

Required

$300K

Guaranty Assoc. Limit

Per claim

25/50/25

Auto Minimums

MS Code

$50

Exam Fee

Pearson VUE

Mississippi's P&C insurance exam requires 70% to pass with 90 scored questions (plus 10 unscored pretest questions) in 2.5 hours. Mississippi requires 40 hours of pre-license education and is a tort liability state for auto insurance. The MS Insurance Guaranty Association provides $300,000 per claim coverage. Mississippi's coastal property insurance market has unique wind pool requirements through the Mississippi Windstorm Underwriting Association (MWUA).

Sample MS Property & Casualty Practice Questions

Try these sample questions to review concepts for the MS Property & Casualty exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 431+ question experience with AI tutoring.

1Which state official heads the Mississippi Department of Insurance (MID)?

A.An appointed Insurance Director

B.The elected Commissioner of Insurance

C.A Governor-appointed Insurance Superintendent

D.The Secretary of State's Insurance Division Chief

Explanation: The Mississippi Department of Insurance is headed by the Commissioner of Insurance, who is elected by popular vote in statewide elections. Mississippi is one of several states where the insurance commissioner is an elected rather than appointed position. This gives the commissioner a direct mandate from the public to regulate the insurance industry in the state.

2How is the Mississippi Commissioner of Insurance selected?

A.Appointed by the Governor with Senate confirmation

B.Appointed by the Mississippi Legislature

C.Elected by popular vote in a statewide election

D.Selected by a panel of insurance industry representatives

Explanation: Mississippi is one of the states where the Commissioner of Insurance is elected by popular vote in a statewide general election, serving a four-year term. This differs from many states where the commissioner is appointed by the governor. The elected status gives the commissioner independent authority to regulate insurance in the state.

3Under the Mississippi Insurance Code, which title of the Mississippi Code governs insurance regulation?

A.Title 63 - Motor Vehicles and Traffic Regulations

B.Title 83 - Insurance

C.Title 73 - Professions and Vocations

D.Title 37 - Education

Explanation: Title 83 of the Mississippi Code is specifically designated as the Insurance Code and contains all statutes governing insurance companies, producers, policies, rates, and regulatory requirements in the state. Title 63 covers motor vehicles, Title 73 covers other licensed professions, and Title 37 addresses education.

4How many hours of pre-licensing education must a candidate complete before taking the Mississippi property and casualty insurance producer exam?

A.20 hours

B.24 hours

C.40 hours

D.60 hours

Explanation: Mississippi requires 40 hours of pre-licensing education for property and casualty insurance producer candidates before they can sit for the state licensing exam. This education must be completed through an approved provider and covers property insurance, casualty insurance, Mississippi insurance law, and ethics.

5What is the continuing education requirement for Mississippi property and casualty insurance producers?

A.12 hours annually

B.24 hours per biennium (every 2 years)

C.30 hours per triennium (every 3 years)

D.20 hours per biennium (every 2 years)

Explanation: Mississippi requires property and casualty insurance producers to complete 24 hours of continuing education every two years (biennium) to maintain their license. This includes a mandatory 3 hours of ethics training within the 24-hour requirement. Failure to meet CE requirements can result in license suspension or non-renewal.

6How many hours of ethics training are required within the Mississippi 24-hour biennial continuing education requirement for insurance producers?

A.2 hours

B.3 hours

C.4 hours

D.6 hours

Explanation: Of the 24 hours of continuing education required every two years, Mississippi mandates that at least 3 hours must be in ethics. This ensures that producers stay current on ethical standards, fiduciary responsibilities, and proper conduct when dealing with policyholders and the public.

7A Mississippi property and casualty insurance producer license is valid for how long before renewal is required?

A.1 year

B.2 years

C.3 years

D.5 years

Explanation: Mississippi insurance producer licenses are valid for a two-year (biennial) period and must be renewed before expiration. The renewal cycle aligns with the continuing education cycle, requiring producers to complete their 24 hours of CE, including 3 hours of ethics, before the license renewal date.

8Which of the following is a primary function of the Mississippi Department of Insurance?

A.Setting premium rates for all insurers in the state

B.Licensing insurance producers and regulating insurers operating in Mississippi

C.Writing insurance policies for Mississippi residents who cannot obtain coverage

D.Providing financial assistance to uninsured Mississippi residents

Explanation: The Mississippi Department of Insurance's primary functions include licensing insurance producers, regulating insurance companies authorized to operate in the state, reviewing rate filings, and protecting consumers. The MID does not directly set premium rates (insurers file rates for approval), write insurance policies, or provide financial assistance to consumers.

9Under Mississippi law, what action may the Commissioner of Insurance take against a producer who violates the Mississippi Insurance Code?

A.Only issue a written warning

B.Suspend or revoke the producer's license and impose fines

C.Only require additional continuing education

D.Transfer the case to the Mississippi Attorney General without any independent authority

Explanation: The Mississippi Commissioner of Insurance has broad enforcement authority under the Mississippi Insurance Code (Title 83), including the power to suspend or revoke a producer's license, impose monetary fines, and issue cease and desist orders. While the Commissioner may also refer matters to the Attorney General for criminal prosecution, the Commissioner is not limited to warnings or educational requirements alone.

10What type of insurance rate filing system does Mississippi use for property and casualty insurance?

A.State-made rates: the Commissioner sets all rates

B.Prior approval: rates must be approved by the Commissioner before use

C.No-file: insurers may use any rates without filing

D.Mandatory bureau rates: all insurers must use the same rates

Explanation: Mississippi uses a prior approval rating system for most property and casualty insurance lines. Under this system, insurers must file their proposed rates with the Mississippi Department of Insurance and receive approval from the Commissioner before the rates can be used. This gives the state regulatory oversight to prevent excessive, inadequate, or unfairly discriminatory rates.

About the MS Property & Casualty Exam

The Mississippi property and casualty insurance exam covers MS DOI licensing requirements, Mississippi Insurance Code, homeowners and dwelling fire policies, auto insurance (including MS tort liability system), commercial coverage, workers compensation, and Mississippi-specific consumer protections including the MS Insurance Guaranty Association.

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

Questions

90 questions

Time Limit

2 hours 30 minutes

Passing Score

70%

Exam / Certification Fees

$50

Exam sponsor website

Reported exam pass rate: Not published by MS Insurance Department. MS Insurance Department does not release official pass rate statistics Exam sponsor website

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

Official sources

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.

17%

Types of Property Policies

Homeowners, dwelling, commercial package, commercial property, businessowners, builders risk, inland marine, NFIP and other property policies (15 scored questions)

12%

Property Insurance Terms and Related Concepts

Insurable interest, risk, hazard, peril, loss, loss valuation, coinsurance and related concepts (11 scored questions)

10%

Property Policy Provisions and Contract Law

Policy sections, duties after loss, appraisal, subrogation, contract law, FCRA, Gramm-Leach-Bliley privacy and TRIA (9 scored questions)

18%

Types of Casualty Policies, Bonds, and Related Terms

Commercial general liability, personal and business auto, workers compensation, crime, bonds, professional liability, umbrella/excess and businessowners liability (16 scored questions)

12%

Casualty Insurance Terms and Related Concepts

Risk, hazards, negligence, liability, binders, warranties, damages and FCRA compliance (11 scored questions)

Casualty Policy Provisions

Policy sections, duties after loss, cancellation and nonrenewal, other insurance, subrogation and TRIA (8 scored questions)

22%

Mississippi Property and Casualty Insurance Laws

Commissioner, guaranty association, rating bureau, MRPIUA, MWUA, valued policy, licensing, marketing practices, cancellation, binders and auto financial responsibility (20 scored questions)

Preparing for the MS Property & Casualty Exam

What You Need to Know

Passing score: 70%
Exam length: 90 questions
Time limit: 2 hours 30 minutes
Exam / certification fees: $50 Official sources

Using Our Practice Resources

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MS Property & Casualty: Suggested Study Strategy

1Know MS requires 40 hours pre-license education and 24 hrs CE per biennium

2Master MWUA wind pool coverage for coastal counties

3Understand MS tort liability auto system with 25/50/25 minimums

4Learn MS Insurance Guaranty Association $300K per claim limit

5Study Mississippi Insurance Code unfair claims practices provisions

Frequently Asked Questions

How hard is the Mississippi property and casualty insurance exam?

The MS P&C exam has 90 scored questions (plus 10 unscored pretest questions) in 2.5 hours, requiring 70% to pass. Mississippi does not publish an official pass rate. Mississippi requires 40 hours of pre-license education. Wind pool coverage through MWUA and coastal property rules are frequently tested.

What is the Mississippi Windstorm Underwriting Association (MWUA)?

The MWUA provides wind and hail coverage in Mississippi's coastal counties where private insurance is unavailable. It covers six coastal counties: Hancock, Harrison, Jackson, Pearl River, Stone and George. Agents must show proof of declination from at least one admitted insurer before placing coverage through MWUA.

Is Mississippi a no-fault or tort state for auto insurance?

Mississippi is a tort liability state. Minimum auto insurance requirements are 25/50/25 ($25,000 per person/$50,000 per accident bodily injury, $25,000 property damage). Mississippi does not require UM/UIM coverage but insurers must offer it.

What is the MS Insurance Guaranty Association?

The Mississippi Insurance Guaranty Association protects policyholders when a property and casualty insurer becomes insolvent. Coverage is limited to $300,000 per claim. It covers most direct property and casualty insurance, including auto, homeowners and workers compensation; life, health and annuities fall under the separate Mississippi Life and Health Insurance Guaranty Association.

Free Practice Questions for MS Property & Casualty

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