How to Get Your Mississippi Insurance License in 2026
Mississippi requires no pre-licensing for the Life line (new as of July 2024), 20 hours for A&H, and 40 hours for P&C combined. With a $52 exam fee and no fingerprinting, Mississippi is one of the most affordable and fast states to get licensed — and the Gulf Coast hurricane market creates strong earning potential for P&C specialists.
Course Cost
$139 – $350
Time to License
2 – 6 weeks
Avg MS Salary
$62,000–$69,000/yr
Required Hours
0 (Life) / 20 (A&H/P&C)
Mississippi Life Line: No Pre-Licensing Required (HB 819, July 2024)
Effective July 1, 2024, Mississippi House Bill 819 eliminated the 20-hour pre-licensing requirement for the Life line. Life agents can now go straight to the Pearson VUE exam. All other lines — Accident & Health, Property, Casualty, and Personal Lines — still require 20 hours of MID-approved pre-licensing each. A&H and P&C together require 40 hours combined.
Top 3 Mississippi Insurance Pre-Licensing Courses
1. ExamFX
Three-tier pricing across L&H and P&C tracks. MID-approved pre-licensing satisfying Mississippi's 20-hour requirement. Self-Study, Video, and Live Online options with 60-day access.
From $169.95
MID-approved pre-licensing
2. Kaplan Financial Education
Lowest starting price among MS pre-licensing providers at $139. Four tiers for L&H and P&C. Career Launcher tier includes business-building tools for new agents entering the Mississippi market.
From $139
3. A.D. BankerPass Guarantee
Every package includes a Pass Guarantee. Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85). MID-approved pre-licensing with 6-month access and instructor-led options in the Platinum tier.
From $169.95
Best Mississippi Insurance Pre-Licensing Courses
All 5 schools are Mississippi MID-approved. Price: Low to High.
Quick Price Comparison (Course Only)
Kaplan Financial Education
Starting at
$139
- MID-approved pre-licensing — satisfies MS 20-hr requirement
- Four tiers from $139 — widest price range of any MS provider
- Life & Health and P&C pre-licensing tracks
- Career Launcher tier includes business-building tools
Available Packages (8)
Life & Health — Basic
- MS L&H pre-licensing course (20 hrs, MID-approved)
- Core exam content coverage
- Practice questions included
- MID exam-focused materials
WebCE
Starting at
$149.95
- MID-approved pre-licensing provider #10000241
- Completions submitted directly to MID via Sircon
- Life & Health and P&C pre-licensing tracks
- Provider number required when scheduling Pearson VUE exam
Available Packages (2)
MS Pre-Licensing — Life & Health (20 hrs)
- MS L&H pre-licensing course (20 hrs, MID-approved)
- MS state-specific content
- Practice exams included
- Completion reported to MID electronically
ExamFX
Starting at
$169.95
- MID-approved pre-licensing — satisfies MS 20-hr requirement
- Three tiers: Self-Study, Video Study, and Live Online
- Life & Health and P&C tracks available
- Practice exams and state-specific content included
Available Packages (6)
Life & Health — Self-Study
- MS L&H pre-licensing course (20 hrs, MID-approved)
- Online self-study materials
- Practice questions and simulated exams
- MS state-specific content
A.D. Banker
Pass GuaranteeStarting at
$169.95
- MID-approved pre-licensing — satisfies MS 20-hr requirement
- Three tiers: Silver ($169.95), Gold ($196.90), Platinum ($296.85)
- Pass Guarantee included on every package
- Life & Health and P&C pre-licensing tracks
Available Packages (3)
Silver — Online Course
- MS pre-licensing course (20 hrs, MID-approved)
- Unlimited chapter exams
- Simulated licensing exams
- Pass Guarantee
- PDF study manual
Xcel Solutions
Starting at
$199
- MID-approved pre-licensing — satisfies MS 20-hr requirement
- Two clear tiers: Standard $199 / Premier $299
- Premier includes "Prepared to Pass Promise"
- Life & Health and P&C tracks available
Available Packages (2)
L&H — Standard
- MS L&H pre-licensing course (20 hrs, MID-approved)
- Prep Review + Exam Simulator
- 30-day access
- MID-approved completion certificate
Prices verified March 2026. Prices may change. Always confirm current pricing on the school's website before enrolling.
What Is a Mississippi Insurance License?
A Mississippi insurance license is a state-issued credential required by the Mississippi Insurance Department (MID) to legally sell insurance products in Mississippi. Since July 1, 2024 (HB 819), the Life line requires no pre-licensing education — you can go straight to the Pearson VUE exam. All other lines require 20 hours of MID-approved pre-licensing per line before testing. No fingerprinting is required, making Mississippi one of the most streamlined licensing states in the Southeast.
Mississippi offers several license types. The most common are the Life license (term, whole life, universal life, annuities), the Accident & Health license (health, disability, Medicare supplement), and the Property & Casualty license (auto, homeowners, commercial, Gulf Coast windstorm). The Personal Lines license provides a narrower entry point covering personal auto and homeowners only.
Life
0 hrs required · $52 exam
Term, whole life, universal life, annuities
Accident & Health
20 hrs required · $52 exam
Health, disability, LTC, Medicare supplement
Property & Casualty
40 hrs combined · $52/exam
Auto, home, commercial, Gulf Coast windstorm
How Much Do Mississippi Insurance Agents Earn?
MS Statewide Average
$68,623/yr
ZipRecruiter, August 2025
Jackson Metro
$89,250/yr
Talent.com, 2025 (10 salaries)
Commission Structure
Life & Final Expense
- • First-year commission: 50–100% of annual premium
- • Final expense: 75–100% first-year commission
- • Renewal trail: 2–5% per year
- Mississippi's final expense and industrial life markets are among the most active in the Southeast
Property & Casualty
- • New business: 8–15% of annual premium
- • Renewals: 5–10% of annual premium
- • Gulf Coast homeowners: $240–$1,200/policy
- Higher premiums in coastal counties (Harrison, Hancock, Jackson) generate stronger per-policy commissions
Salary Range by Career Stage
Entry Level
$50,000–$62,000
First 1–2 years
MS Statewide
$68,623
ZipRecruiter 2025
Top Producers
$120,000+
Jackson & Gulf Coast
🌊 Gulf Coast P&C Opportunity
Mississippi's Gulf Coast (Gulfport, Biloxi, Pass Christian) sits directly in the Gulf of Mexico hurricane belt. Standard homeowners policies often exclude windstorm — creating demand for MWUA wind pool policies and NFIP flood insurance. Gulf Coast homeowners premiums can run $3,000–$8,000/year, generating $240–$1,200 per policy in commission. A book of 150 coastal homeowners policies could generate $36,000–$180,000 in annual renewal commissions.
Top MS Insurance Markets
Is a Mississippi Insurance License Worth It?
👍 Pros
- + Life Line: No Pre-Licensing Required: Since July 2024 (HB 819), Life agents go straight to the Pearson VUE exam — saving time and money.
- + $52 Exam Fee — One of the Lowest in the US: Among the most affordable state exam fees nationally, with no fingerprinting cost.
- + No Fingerprinting Required: No background check delays — license typically issued within 2–5 business days after approval.
- + Active Gulf Coast P&C Market: Hurricane risk creates high-premium policies and strong commission potential for coastal agents.
- + Strong Life & Final Expense Demand: Mississippi has one of the highest uninsured rates in the US — the final expense and industrial life markets are uniquely active.
👎 Cons
- - Pre-Licensing Still Required for A&H and P&C: 20 hours per line adds time and cost for agents pursuing health or property/casualty lines.
- - Lower Base Salaries: Mississippi's median household income is the lowest in the US — base salaries reflect this, though commissions can compensate significantly.
- - Gulf Coast Carrier Withdrawal Risk: Hurricane exposure has led some carriers to reduce or exit Gulf Coast markets — P&C agents must navigate a challenging coastal marketplace.
- - Commission-Dependent Income: Most agents earn primarily through commissions — income can be variable, especially in the first year.
How to Get Your Mississippi Insurance License
Choose Your Lines and Know the Pre-Licensing Rules
Mississippi has different rules by line as of July 2024: Life requires NO pre-licensing (exempted by HB 819); Accident & Health requires 20 hours; Property requires 20 hours; Casualty requires 20 hours; Personal Lines requires 20 hours. Most agents pursue Life alone (fastest path), or A&H + Life for full individual coverage authority, or P&C combined (40 hours) for auto and home insurance.
Complete Required Pre-Licensing (A&H and P&C Lines)
If pursuing Accident & Health, Property, or Casualty: enroll in an MID-approved pre-licensing course. For A&H: 20 hours. For P&C combined: 40 hours (20 Property + 20 Casualty — usually sold as a bundle). Approved providers include ExamFX, Kaplan, A.D. Banker, Xcel Solutions, and WebCE (provider #10000241). Your provider submits completion records electronically to MID through Sircon. For Life only: skip to Step 3.
Schedule and Pass the Pearson VUE Exam
Schedule at pearsonvue.com/ms/insurance or call (888) 293-4222. Online proctored testing (OnVUE) is available. The exam fee is $52 per exam. Bring a government-issued photo ID. 70% is required to pass. Results are immediate. If pursuing both Property and Casualty, schedule back-to-back sessions to minimize trips.
Apply for Your License via Sircon or NIPR
After passing your exam(s), apply online through Sircon or NIPR. The application fee is $100 + $1 online transaction fee = $101 total. One application can cover multiple lines of authority. No fingerprinting required. MID reviews your application, exam results, and pre-licensing completion records. License typically issued within 2–5 business days.
Get Appointed and Target Mississippi's Unique Markets
Once licensed, get appointed by a carrier or agency. Mississippi offers unique market opportunities: the Gulf Coast's active hurricane and windstorm insurance market, the state's deep-rooted final expense and industrial life tradition, and the Delta's agricultural insurance demand. Choose carrier partnerships to match your community and specialty.
Plan for Biennial CE Renewal
Mississippi licenses renew on a biennial (2-year) cycle. Complete 24 CE hours (3 ethics hours) before renewal. All CE must be MID-approved; providers submit completions through Sircon. For Gulf Coast agents, NFIP flood insurance CE may count toward your total. Renew via Sircon.
Mississippi Insurance License Requirements
Eligibility Requirements
- Must be at least 18 years old
- Mississippi resident (non-residents apply via NIPR)
- No college degree required
- No fingerprinting or background check required
- No prior insurance license required
- Life line: no pre-licensing required (HB 819, July 2024)
Pre-Licensing Education
- Life: 0 hours required (exempted July 1, 2024)
- Accident & Health: 20 hours MID-approved
- Property: 20 hours MID-approved
- Casualty: 20 hours MID-approved
- Personal Lines: 20 hours MID-approved
- Provider submits completions to MID via Sircon electronically
Exam Requirements
- Pearson VUE exam (in-person or OnVUE online proctored)
- 70 questions total (60 scored + 10 pretest)
- 70% passing score required
- Exam fee: $52 per exam, per line
- Schedule at pearsonvue.com/ms/insurance
Application & Licensing
- Apply via Sircon or NIPR after passing exam
- $100 application fee + $1 transaction = $101 total
- One application covers multiple lines of authority
- No fingerprinting required — fast processing
- License typically issued within 2–5 business days
- 24 CE hours every 2 years to renew (incl. 3 hrs ethics)
Mississippi Insurance License Cost Breakdown
Here's the complete breakdown of what it costs to get your Mississippi insurance license in 2026:
| Cost Item | Amount | Required? |
|---|---|---|
| Pre-Licensing Course — Life (optional since July 2024) | $99–$249 | Optional |
| Pre-Licensing Course — A&H (required, 20 hrs) | $99–$249 | Required |
| Pre-Licensing Course — P&C combined (required, 40 hrs) | $149–$349 | Required |
| Pearson VUE Exam Fee | $52 | Required |
| License Application (Sircon or NIPR) | $101 | Required |
| Fingerprinting | $0 | Not Required |
| Estimated Total | $252–$554+ |
All state and government fees are non-refundable. Education costs vary by provider and package. No fingerprinting required for Mississippi producer licenses.
The Mississippi Insurance Exam — What to Expect
Exam Structure (All Lines)
- Questions: 70 total (60 scored + 10 pretest)
- Passing score: 70%
- Fee: $52 per exam, per line
- Provider: Pearson VUE (in-person or OnVUE)
- Results: Immediate upon completion
- Schedule: pearsonvue.com/ms/insurance or (888) 293-4222
P&C Combined Exam Strategy
- Property and Casualty are separate exams — $52 each
- Can schedule back-to-back to minimize testing center trips
- Complete the 40-hour combined course before scheduling either exam
- Total P&C exam cost: $52 x 2 = $104
- Industrial Life exam handled separately — contact MID
Life & Health Exam Topics
- Types of life insurance (term, whole, universal, variable)
- Annuities — fixed, variable, and indexed
- Health insurance and MS-mandated benefits
- Disability income and long-term care
- Medicare supplement and Medicare Advantage
- Mississippi insurance law and MID regulations
- Ethics and unfair trade practices
- Industrial life insurance (unique to MS market)
Property & Casualty Exam Topics
- Personal auto (MS mandatory coverage, high UM rates)
- Homeowners — Gulf Coast windstorm & flood exclusions
- Mississippi Windstorm Underwriting Association (MWUA)
- NFIP flood insurance — essential for coastal agents
- Commercial property and general liability
- Workers' compensation in Mississippi
- Farm and agricultural coverage (Delta region)
- Mississippi insurance law and MID regulations
💡 Pearson VUE Exam Tips for Mississippi
Mississippi's $52 exam fee is one of the most affordable in the US. For lines requiring pre-licensing (A&H, P&C), your MID-approved course is your primary study vehicle — choose a provider that includes practice exams specific to Mississippi. For the Life line (no pre-licensing required), invest in a standalone exam prep course since you won't have course material to guide your study. OnVUE online testing eliminates the need to travel to a testing center.
How Long Does It Take to Get a Mississippi Insurance License?
1 – 2 weeks
Life — Fast Track
No mandatory coursework since July 2024
2 – 4 weeks
A&H or Single P&C Line
20-hr course + exam + application
4 – 6 weeks
P&C Combined
40-hr course + 2 exams + application
| Step | Activity | Duration |
|---|---|---|
| 1 | Choose your license type(s) | 1 day |
| 2 | Complete MID-approved pre-licensing course (A&H or P&C lines) | 1–3 weeks (self-paced) |
| 3 | Life line only: study with exam prep course (optional but recommended) | 5–10 days |
| 4 | Schedule & pass Pearson VUE exam (in-person or OnVUE) | 1–3 days to schedule |
| 5 | Submit license application via Sircon or NIPR | 1 day |
| 6 | MID reviews and issues license (no fingerprinting delays) | 2–5 business days |
Mississippi's lack of fingerprinting requirement significantly speeds up the final licensing step. Life agents (no mandatory course) have one of the fastest paths to licensure in the Southeast.
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Mississippi Insurance License Reciprocity
Mississippi participates in NAIC non-resident reciprocity. If you hold a valid active license in another state and your home state has a reciprocal agreement with Mississippi, you may qualify to apply for a non-resident Mississippi insurance license without retaking the state exam or completing pre-licensing.
To apply for a non-resident license, submit your application through sircon.com or NIPR. The fee is $100 + $1 transaction = $101. Your home-state license must be in good standing. Non-resident applicants are not required to complete Mississippi pre-licensing if their home state's requirements are equivalent.
Non-Resident License Details: Visit the official MID page for current reciprocity information and application requirements: mid.ms.gov/mississippi-insurance-department/licensing/producer-individual-licensing/
Mississippi Insurance License Renewal
Mississippi insurance licenses must be renewed every 2 years (biennial). To renew, you must complete 24 hours of continuing education (CE) during each 2-year renewal period, including at least 3 hours of ethics. If you hold multiple lines of authority, you still only need 24 total CE hours — not 24 per line.
2 yrs
Renewal Cycle
24 hrs
CE Required
3 hrs
Ethics (included)
All CE courses must be MID-approved — providers submit completions electronically through Sircon. Gulf Coast agents: NFIP flood insurance training may count toward your CE total. Renew via sircon.com before your renewal date. Late renewal results in license cancellation and a full reinstatement process. Contact MID at licensing@mid.ms.gov or (601) 359-3582 with questions.
Frequently Asked Questions
Does Mississippi require pre-licensing education for an insurance license?
It depends on the line of authority. As of July 1, 2024, Mississippi House Bill 819 exempted the Life line from the 20-hour pre-licensing requirement — so Life agents no longer need to complete any coursework before taking the exam. However, all other lines still require pre-licensing: Accident & Health requires 20 hours, Property requires 20 hours, Casualty requires 20 hours, and Personal Lines requires 20 hours. If you want both Property and Casualty authority, that's 40 hours combined (20 per line). Courses must be from MID-approved providers.
What changed about Mississippi's Life insurance licensing in 2024?
Effective July 1, 2024, Mississippi House Bill 819 eliminated the 20-hour pre-licensing education requirement for the Life line of authority. Anyone seeking a Life license in Mississippi can now schedule and take the Pearson VUE exam directly without completing any coursework — making Mississippi Life one of the fastest insurance licensing paths in the Southeast. Note: this exemption applies only to Life. Accident & Health, Property, Casualty, and Personal Lines still require 20 hours of MID-approved pre-licensing each.
How much does it cost to get a Mississippi insurance license?
Mississippi has some of the most affordable licensing costs in the US: a $52 exam fee (one of the lowest nationally) and a $101 application fee ($100 + $1 transaction) with no fingerprinting required. For Life: optional prep course ($99–$249) + exam ($52) + application ($101) = $252–$402 total. For P&C combined: required 40-hour course ($149–$349) + 2 exams ($52 x 2 = $104) + application ($101) = $354–$554 total. For Accident & Health: required 20-hour course ($99–$249) + exam ($52) + application ($101) = $252–$402 total.
Does Mississippi require fingerprinting for an insurance license?
No. Mississippi does not require fingerprinting for standard insurance producer license applicants. This means no fingerprint fee and no background check processing delay between passing your exam and receiving your license. Mississippi's lack of fingerprinting requirement, combined with its low $52 exam fee and $101 application fee, makes it one of the most cost-efficient and fast states for producer licensure.
What is the Mississippi Windstorm Underwriting Association (MWUA)?
The MWUA (also called the "Mississippi Wind Pool") is the state's insurer of last resort for windstorm coverage in coastal areas. Because standard insurance carriers often exclude named storm and windstorm coverage in Gulf Coast counties (Harrison, Hancock, and Jackson counties along the Mississippi Sound), many homeowners turn to MWUA for windstorm coverage while maintaining a separate homeowners policy for fire and other perils. P&C agents selling in coastal Mississippi must understand MWUA eligibility rules, coverage limits, and how to coordinate MWUA wind policies with standard homeowners policies.
How much do insurance agents make in Mississippi?
Mississippi insurance agent compensation ranges widely by market and product. ZipRecruiter data (2025) shows insurance sales agents averaging $68,623/year statewide, and life insurance agents averaging $84,259/year. Talent.com reports Jackson agents averaging $89,250/year, while Gulf Coast markets like Gulfport average around $50,000 base. Mississippi's very low cost of living means $60,000–$65,000 provides strong real purchasing power. Life insurance agents in the final expense and industrial life segments often earn $80,000–$120,000+ through commission, particularly in underserved rural communities.
What is industrial life insurance and why is it important in Mississippi?
Industrial life insurance — also called "home service life" — is a type of small face-amount life insurance (typically $500–$15,000) originally sold door-to-door to working-class families across the Deep South, designed to cover funeral and burial expenses. Unlike most life insurance sold today, industrial life is often collected by agents who visit policyholders' homes weekly or monthly to collect premium payments. This product line has deep roots in Mississippi and remains an active market segment. Mississippi-specific Industrial Life exam and licensing (administered separately from the standard Pearson VUE process) covers this unique product category.
How does Gulf Coast hurricane risk affect insurance agents in Mississippi?
The Mississippi Gulf Coast is one of the most hurricane-exposed coastlines in the US — directly in the path of storms that build in the Gulf of Mexico. Agents working in Harrison, Hancock, and Jackson counties face a market where standard carriers routinely exclude named storm coverage, homeowners need separate MWUA wind pool policies, NFIP flood insurance is essential for coastal properties, and premiums are significantly higher than the state average — generating stronger per-policy commissions. After major storms, demand for coverage reviews and new policies spikes. This complexity rewards agents who invest in coastal insurance expertise.
Can I get a Mississippi insurance license if I'm already licensed in another state?
Yes. Mississippi participates in NAIC non-resident reciprocity. Licensed producers from most states can apply for a Mississippi non-resident license without retaking the exam or completing pre-licensing. Your home state license must be active and in good standing. Reciprocity is not automatic — you must apply through NIPR or Sircon and pay the applicable non-resident fees. Mississippi non-resident producer application fee: $100 + $1 transaction via Sircon or NIPR.
What are the CE requirements for Mississippi insurance license renewal?
Mississippi requires 24 CE hours per biennial (2-year) renewal period, including at least 3 hours of ethics. All CE courses must be MID-approved — providers submit completions electronically through Sircon. If you hold multiple lines of authority, you still only need 24 total hours (not 24 per line). NFIP flood insurance training may count toward CE — relevant for Gulf Coast agents. Renew via Sircon before your renewal date to avoid lapse. Late renewal results in license cancellation and a full reinstatement process.
Income Disclaimer: Salary figures are estimates based on publicly available data and vary significantly by state, market, experience level, employer type, and individual effort. Past or average earnings are not a guarantee of future results. CertLaunch makes no income guarantees of any kind.
Sources:
Licensing requirements, exam fees, and course availability change frequently. Always verify current requirements with your state licensing board before enrolling or submitting any application. Learn how we source our data.