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How to get an Insurance Producer license in Mississippi

Mississippi licenses insurance agents statewide through the Department of Insurance (MID).1 For the Insurance Producer license you need 20 clock hours2 of education, a passing score on the Mississippi insurance producer examination for each line of authority3 and a criminal background check4. The board lists $100 for the initial license3. You renew every 2 years1 and complete at least 24 hours of continuing education5.

Last checked · 9 official sources

Who issues it

Department of Insurance (MID)

Training and experience

Training: 20 clock hours2

Exam

Mississippi insurance producer examination for each line of authority3

Fees the board lists

Initial license fee: $1003

Renewal

Every 2 years1, at least 24 hours of continuing education5

From another state

Reciprocity agreements and Exam waiver23 Details

On this page
  1. Who needs an Insurance Producer license
  2. Requirements for an Insurance Producer license
  3. How much an Insurance Producer license costs
  4. How to apply
  5. Renewal and continuing education
  6. Moving to Mississippi with a license from another state
  7. Check a license or report a problem
  8. Laws and rules
  9. Common questions
  10. Insurance agent licenses in other states

Who needs an Insurance Producer license

Sell, solicit or negotiate insurance in Mississippi in the lines of authority held; an insurer appointment (certificate of authority) is also needed to represent a company.3

Requirements for an Insurance Producer license

Education or training
20 clock hours2
20 hours of approved pre-licensing education per line of authority (Life line exempt since July 1, 2024; Variable Life/Annuity exempt); course includes a final course exam.5
Alternative: Exempt from pre-licensing: exam-exempt applicants (83-17-39(1), 83-17-67); bachelor's degree with major coursework in insurance; listed designations (CEBS, ChFC, CIC, CFP, CLU, FLMI, LUTCF for life; RHU, CEBS, REBC, HIA for A&H; AAI, ARM, CIC, CPCU for P&C); limited lines; Variable-only and Life-only applicants.5
Alternative: Before selling annuities (Life or Variable line): one-time 4-credit annuity training (for producers licensed on or after Jan 1, 2022 it must include the best-interest standard).6
Exam
Mississippi insurance producer examination for each line of authority3
Given by: Pearson VUE3
Passing score: 65% for Life, Accident & Health, and combined Life/A&H; 70% for all other producer exams (Property, Casualty, P&C, Personal Lines).7
When you can take it: Complete the approved pre-licensing course (with its course exam) before the state exam; the provider reports completion within 5 business days.7
2 hours each: Life 75 questions; Accident & Health 75; Life, Accident & Health 125; Property 75; Casualty 75; Personal Lines 75; Property & Casualty 100.7
Exam waived: New residents transferring a resident license from another state: apply within 90 days of clearing the previous state license, with a Letter of Clearance unless verifiable on the national database.3
Background check
Background check required4
Disclose misdemeanor/felony/military convictions with a written statement, charging document and disposition; felons with dishonesty/breach-of-trust convictions need 18 U.S.C. 1033 consent.4
Residency or citizenship
Resident license for Mississippi residents (application asks citizenship but does not state it is required); nonresidents are licensed on verification of their home-state license.3
Also required
From July 1, 2026 the fee for filing and processing an agent's certificate of authority (appointment) is $50.1
Other requirements and options
Lines of authority: Life, Accident & Health, Property, Casualty, Personal Lines, Variable Life/Variable Annuity. Variable Life/Annuity needs a FINRA Series 6 or 7 instead of pre-licensing education.3
Long-term care sales require the Accident & Health line.2

How much an Insurance Producer license costs

FeeAmountPaid toNotes
Initial license fee$1003MID–
Fee to amend a license (add a line of authority)$252MID–
Agent's certificate of authority (appointment) filing and processing fee$501MIDEach insurer appointment. Effective July 1, 2026
Letter of Certification / Letter of Clearance$202MID–
Duplicate license (individual)$252MID–
Returned check processing fee$303MID–

Each line is a separate charge as the board lists it. The board does not publish a combined total, so none is shown here.

The board's pages we cite do not list the exam fee; check it with the exam provider, Pearson VUE3, when you schedule.

How to apply

  1. Complete a Mississippi-approved 20-hour pre-licensing course for each line (not needed for Life-only or Variable-only).7
  2. Book and pass the Pearson VUE exam (reserve at least 24 hours ahead; bring two IDs).7 pearsonvue.com3
  3. Apply online through Sircon or NIPR (or file the paper application) and pay the $100 license fee; scores are sent to MID electronically.7 sircon.com3
  4. Before selling annuities, complete the one-time 4-credit annuity training.3
  5. Get appointed by an insurer (certificate of authority).1
Apply online
sircon.com3
Application form
Form (PDF, mid.ms.gov)4
Temporary or provisional license
MID lists a Temporary Insurance Producer application (contact MID before applying).1
Processing time
Online applications reach MID within 24 hours; paper applications may take up to 10 business days. Clean electronic renewals: license by email within 5 business days.7

Renewal and continuing education

How often
Every 2 years1
When it expires
Expires on the last day of the birth month on a biennial basis (13-24 month term); renewal notices are emailed about 90 days ahead and renewal may be done online up to 90 days before expiry.3
Renewal fee
$1003
Continuing education
At least 24 hours each renewal period5
Required topics
3 hours of ethics within the 24-hour requirement; 12 hours (no ethics minimum stated) for terms of 18 months or less.8
No carry-over; repeated courses count once per license period; keep CE records 5 years.9
Approved courses
Only MID-approved courses; providers report completions to Sircon, where licensees can view a free transcript.3
Exemptions
Exempt: certain exam-exempt individuals; limited lines; nonresidents meeting home-state CE where reciprocal; nonactive agents; producers aged 65+ continuously licensed 25+ years as of April 17, 2023 (affidavit).1
Late renewal
Reinstatement fee: $501 (reinstatement within 12 months of expiry, in addition to the $100 license fee)
If it expires
Reinstate within 12 months without re-examination by paying the license fee plus 50% late fee and being CE-compliant (reinstatement gives a new issue date and a lapse). After 12 months residents must redo pre-licensing and the exam.1
Non-active status: renew writing "put on non-active status" and paying the renewal fee; complete CE before reactivating.2
Renew online
sircon.com3

Renewal planner

Enter the expiration date printed on your Mississippi Insurance Producer license. The count is worked out on your device from today's date; nothing is sent anywhere.

Moving to Mississippi with a license from another state

These are the routes MID publishes for the Insurance Producer license.

Route
Reciprocity agreements
What the board says
Nonresident producer license: apply online (Sircon/NIPR) or with the MS or NAIC Uniform application and fee; MID verifies home-state licensure on the NAIC database. Same $100 fee as residents.2
States on Mississippi's list
The pages cited here give no list of partner states for this route; the board's words above say who qualifies. Ask the board which states it has agreements with.
Conditions
Nonresidents meeting home-state CE are exempt from Mississippi CE where Mississippi has a reciprocal agreement.5
Fee
$1003
Route
Exam waiver
What the board says
Producers moving to Mississippi transfer their resident license: apply within 90 days of clearing the prior state license, with a Letter of Clearance unless verifiable on the national database.3

Check a license or report a problem

Before you hire an insurance agent in Mississippi, you can confirm the license is current on the board's own search. Every board we cover in Mississippi is on the Mississippi license lookup page.

Look up a license
mid.ms.gov2

Laws and rules

The requirements above come from these laws and board rules.

Common questions

How long does it take to get an Insurance Producer license in Mississippi?

The rules set 20 clock hours2 before you can be licensed. On processing, the board says: Online applications reach MID within 24 hours; paper applications may take up to 10 business days. Clean electronic renewals: license by email within 5 business days.7

Can I transfer my insurance agent license to Mississippi?

MID publishes these routes for the Insurance Producer license: reciprocity agreements2 and exam waiver3. Conditions and forms.

How often do you renew an Insurance Producer license in Mississippi?

Every 2 years1. Continuing education: at least 24 hours5. The renewal fee is $1003.

Insurance agent licenses in other states

Sources

Every number and rule above links to one of these official pages. Select a footnote number to read the board's own words.

  1. MID Producer\Individual LicensingMississippi Insurance DepartmentChecked November 8, 2026
  2. MID Licensing Updates and FAQMississippi Insurance DepartmentChecked November 7, 2026
  3. Individual Insurance Producer license instructionsMississippi Insurance DepartmentDated November 2017Checked November 7, 2026
  4. Individual Insurance Producer license applicationMississippi Insurance DepartmentDated March 2014Checked November 7, 2026
  5. Mississippi 2024 Regular Session HB 819 (Chapter 452), as approved by the GovernorMississippi LegislatureDated July 1, 2024Checked November 7, 2026
  6. Annuity Sales Training RequirementMississippi Insurance DepartmentDated February 9, 2022Checked November 7, 2026
  7. How To Get A Mississippi Insurance LicenseMississippi Insurance DepartmentChecked November 7, 2026
  8. CE Calculation Chart (producer)Mississippi Insurance DepartmentChecked November 7, 2026
  9. Pre-Licensing and Continuing Education Guidelines (eff. July 1, 2016)Mississippi Insurance DepartmentDated July 1, 2016Checked November 7, 2026