Mississippi License Requirements
Mississippi Insurance License Requirements (2026)
Everything you need to know to get and keep your Mississippi insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Mississippi Insurance License Requirements at a Glance
Key facts for getting and maintaining your Mississippi insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Mississippi |
| Prelicensing Hours (Life) | 20 hours |
| Prelicensing Hours (Health) | 20 hours |
| Prelicensing Hours (Life & Health Combined) | 40 hours |
| Exam Provider | Pearson VUE |
| Exam Fee | $52 |
| Passing Score | 70% |
| Application Fee | $100 |
| Background Check Cost | $No separate fee |
| Fingerprinting Required | No |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Mississippi licenses expire on the last day of your birth month every 2 years |
| License Duration | 2 years |
| Special Training Required | No |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Mississippi Insurance License
Follow these five steps to go from zero to licensed in Mississippi.
Complete Prelicensing Education
Mississippi requires you to complete 40 hours of state-approved prelicensing education before sitting for the exam. JustInsurance's online courses let you study at your own pace on any device. You'll receive an official certificate of completion once you finish.
Browse Mississippi Prelicensing Courses →Schedule and Pass the State Exam
The Mississippi insurance licensing exam is administered by Pearson VUE. The exam fee is $52, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with Pearson VUE →Complete Fingerprinting
Not required
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $100. Processing typically takes 3-5 business days.
Apply for Your Mississippi License →Get Appointed and Start Selling
Once your Mississippi insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Mississippi Insurance Department. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Mississippi Fingerprinting Requirements
Not required
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Mississippi CE Renewal Requirements
To keep your Mississippi insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Mississippi licenses expire on the last day of your birth month every 2 years
Renewal Deadline
$39
CE Package Price
MID
Regulatory Body
Mississippi Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Mississippi.
Insurance Code
Mississippi Code Annotated, Title 83 – InsuranceView Statute
Prelicensing Education
Miss. Code Ann. § 83-17-251(1)–(2)
Examination Requirements
Miss. Code 83-17-59 + 83-17-61(1)(e)
Age Requirements
Miss. Code § 83-17-61(1)(a)
Background Check
Miss. Code Ann. Sec. 83-17-71(1)(f)
Fingerprinting
N/A — not required
License Application
Miss. Code Ann. § 83-17-61(1)
CE Requirements
Miss. Code Ann. 83-17-251
CE Ethics
Miss. Code §83-17-251
Administrative Code
Title 19 - Department of InsuranceView Statute
Provider Regulation
Mississippi Code §83-17-253
Mississippi Insurance License Requirements — FAQs
How long does it take to get a Mississippi insurance license?
Most candidates complete the Mississippi insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Mississippi?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Mississippi?
Not required
Can I transfer my insurance license from another state to Mississippi?
Reciprocal licensing is available for producers whose home state offers equal reciprocity. No exam is required.
How much does a Mississippi insurance license cost?
The total cost to get your Mississippi insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($52), the state application fee ($100), and the background check cost ($No separate fee). Individual costs vary based on the line of authority you choose.
What are the Mississippi CE requirements?
Mississippi requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is Mississippi licenses expire on the last day of your birth month every 2 years. JustInsurance offers state-approved CE packages starting at $39.
How long is a Mississippi prelicensing certificate valid?
Mississippi prelicensing certificates are valid for 2 years from the completion date — one of the longest validity windows in the country. This gives you significant flexibility in scheduling your state exam without risking certificate expiration. After passing the exam, you apply for your license through NIPR and the Mississippi Department of Insurance processes your application.
What are the prelicensing hour requirements in Mississippi?
Mississippi requires 20 hours for Life, 20 hours for Health, and 40 hours for a combined Life & Health license. Courses are available fully online through JustInsurance.
Ready to Get Your Mississippi Insurance License?
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