Mississippi Insurance License
The Mississippi insurance license exam, in plain numbers.
Everything below is specific to Mississippi — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Mississippi
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 75 | 49 | 65% | 26 |
| Life only | 75 | 49 | 65% | 26 |
| Health only | 75 | 49 | 65% | 26 |
Administered by Pearson VUE for the Mississippi Insurance Department. Time limit: 2 hours per exam. Roughly 20 of the scored questions (27%) come from Mississippi law — the block national courses cover most lightly.
Prelicensing
20 hours per line of authority and 40 hours for a combined Life and Health license. Some current guidance reports the LIFE line as exempt, so confirm with MID. The prelicensing certificate is valid 2 years from completion.
Continuing education
A sliding scale tied to license term length. A license in effect more than 18 months requires 24 hours including 3 ethics. A license in effect 18 months or less requires 12 hours. Miss. Code Section 83-17-251.
License term
biennial, expiring the last day of the birth month, minimum 13 months and maximum 24 months
Regulator
The Mississippi Insurance Department oversees licensing, headed by an elected Commissioner of Insurance.
Mississippi Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Mississippi policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Mississippi, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Mississippi insurance exam questions, answered
How many questions are on the Mississippi insurance license exam?
The combined life and health exam has 75 scored questions. You need 49 correct to pass at 65%, which means you can miss 26.
What is the passing score for the Mississippi insurance exam?
65%. That works out to 49 correct answers out of 75 scored questions.
Who administers the Mississippi insurance license exam?
Pearson VUE, on behalf of the Mississippi Insurance Department.
Does Mississippi require prelicensing education?
20 hours per line of authority and 40 hours for a combined Life and Health license. Some current guidance reports the LIFE line as exempt, so confirm with MID. The prelicensing certificate is valid 2 years from completion.
How much continuing education does Mississippi require?
A sliding scale tied to license term length. A license in effect more than 18 months requires 24 hours including 3 ethics. A license in effect 18 months or less requires 12 hours. Miss. Code Section 83-17-251.
Is there a Mississippi life-only or health-only exam?
Yes. Life only is 75 scored questions, 49 to pass, Health only is 75 scored questions, 49 to pass.
How much does a Mississippi study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Mississippi Insurance Department.