MississippiOverview
Mississippi licenses producers and adjusters through the Mississippi Insurance Department (MID), with applications and license printing running through outside vendors rather than a state-built portal. MID runs more than two dozen license types, from a standard insurance producer to niche categories like bail agent and viatical settlement broker. House Bill 819 (effective July 1, 2024) dropped the 20-hour prelicensing requirement for life-only applicants, and Mississippi is one of the few states where insurer appointments renew on a single fixed date, May 31, rather than tracking each producer's individual license date.
How to get licensed
Complete prelicensing education, if your line requires it
Mississippi requires 20 hours of prelicensing per line of authority for property, casualty, accident and health, and personal lines. Life-only applicants no longer need it, since House Bill 819 took effect July 1, 2024. Life producers who plan to sell annuities also need a one-time 4-hour annuity suitability course.
Register for and pass the licensing exam
Mississippi uses Pearson VUE as its exam vendor; call 888-293-4222 or check their site for current exam fees, which MID does not publish itself. Exam scores are valid for a limited window, so apply for your license soon after passing.
Apply for your license
The fastest path is to apply through InsureTrek — we file your Mississippi application for the state's $100 fee, pulled from NIPR at the moment of application. NIPR adds a $1 online session fee on top of MID's fee.
Complete fingerprinting, if your license type requires it
Standard producer, limited lines, and adjuster licenses don't require fingerprinting in Mississippi. Bail agents are the exception: MID handles fingerprinting directly for a $50 fee.
Wait for approval and print your license
MID doesn't publish a fixed processing-time guarantee. Once approved, you print your own license rather than waiting on a mailed copy.
Prelicensing education
Property: 20 hours Casualty: 20 hours Accident and Health: 20 hours Personal Lines: 20 hours Adjuster: 20 hours Bail Agent: 40 hours Life-only applicants are exempt from prelicensing as of House Bill 819 (effective July 1, 2024). Variable life and variable annuity producers substitute a FINRA Series 6 or 7 registration instead of the standard hours.
Exam
Vendor: Pearson VUE.
Fingerprinting
Not required. Not required for standard producer, limited lines, or adjuster licenses. Required for bail agents only, processed directly by MID for $50.
Fees
| Fee | Initial | Renewal |
|---|---|---|
| Resident individual producer license MID and NIPR don't publish a separate renewal fee amount; a $50 late fee applies to reinstate within 12 months of expiration. Add a $1 NIPR online session fee when applying online, and a $25 fee for any license amendment. | $100 | — |
| Non-resident individual producer license Same fee as resident pricing; Mississippi doesn't charge a non-resident surcharge. | $100 | — |
| Business entity – Insurance Producer | $200 | — |
| Business entity – Adjuster or Public Adjuster | $400 | — |
| Business entity – Managing or Supervising General Agent | $100 | — |
Fees as of 2026-08-21. Fees change without much notice. When you apply through InsureTrek, we always use the current fee at the moment of application. Sources: NIPR – Mississippi resident individual licensing, NIPR – Mississippi non-resident individual licensing, NIPR – Mississippi resident business licensing
Renewing an insurance license in Mississippi
Renewal window — Mississippi licenses renew every two years, by the last day of the licensee's birth month in the license's second year. Business entity licenses instead expire every May 31, regardless of when they were issued.
Grace period: Licensees can reinstate within 12 months of expiration without retaking the exam by paying a 50% late fee and completing any missed CE; public adjusters instead pay a flat $50 late fee.
Licenses on a 13–18 month first term need 12 CE hours; those on a 19–24 month term need the full 24, including 3 ethics hours. Life producers selling annuities complete a one-time 4-hour suitability course rather than recurring annual CE. Producers enrolled in the NFIP Agent Leads Referral Program need 3 hours of flood training within their CE hours; MID doesn't publish a separate long-term-care CE carve-out. A complete renewal typically processes in 5 business days once your CE transcript is compliant.
24 total CE hours per renewal term, including 3 ethics hours.
Producers age 65 or older with 25 continuous years of licensure can apply for a CE waiver under House Bill 1084 (effective April 17, 2023).
Non-resident insurance license in Mississippi
Mississippi licenses non-residents who hold the same lines of authority in their home state, verified against the NAIC's producer database, and applicants apply through InsureTrek for the same fee residents pay; fees match resident pricing across every license type checked, with no separate non-resident surcharge. Non-resident adjusters without an equivalent home-state line can instead take the Mississippi exam, apply for a reciprocal non-resident license, or file a notarized affidavit limiting their scope of work. Producers moving to Mississippi from another state need a letter of clearance from their prior state and must apply within 90 days.
Apply for a non-resident Mississippi license through InsureTrek, plus the state fee.
For the rules shared across states, see how non-resident insurance licenses work.
For agencies
Agencies, appointments & DRLP
Mississippi requires a separate Insurance Producer Business Entity license for $200, covering all of a firm's locations under one license rather than requiring one per office. Every entity must name at least one Mississippi-licensed producer as the designated responsible licensed producer accountable for the entity's compliance; the entity's authority derives from that person's lines of authority. Entity licenses expire every May 31 regardless of issue date, and non-resident entities must first register as a foreign business with the Mississippi Secretary of State before MID will license them. Other entity types are priced separately: adjuster and public adjuster entities are $400, a managing general agent or supervising general agent entity is $100, and a portable electronics entity is $5,000.
Mississippi appointments don't renew on each producer's individual license date. Since House Bill 777 (2009), all insurer appointments renew on a single annual date, May 31, by company class under Miss. Code Ann. § 83-17-75(5). Companies are invoiced around April 1 for every producer appointed as of that date, with payment due by May 31.
Appointments — Deadlines: Companies must notify MID by March 15 to drop a producer from that year's renewal. An insurer must also notify MID within 30 days of terminating an individual producer's appointment. The appointment filing fee is $25, rising to $50 effective July 1, 2026 under Senate Bill 2409.
Managing DRLPs across states? See how InsureTrek handles it →
Steps outside NIPR
Mississippi requires a Secretary of State name registration and foreign entity registration before the agency license application, plus a separate Department of Insurance name approval if the agency name contains the word "Insurance".
- Get name approval if the name contains "Insurance". Complete the Mississippi Department of Insurance name approval form and email it to licensing@mid.ms.gov. Only required when the agency name includes the word.
- Register the name with the Secretary of State. File through the Mississippi SOS new filings portal at corp.sos.ms.gov.
- Appoint a Mississippi registered agent. A registered agent in Mississippi has to be in place before the foreign entity registration.
- Register as a foreign entity and attach the confirmation. File through the Mississippi SOS foreign entity registration portal, then upload the confirmation to the license application.
| Secretary of State name registration | $25 |
|---|---|
| Registered agentInsureTrek can provide one, or use your own provider. | $45 |
| Foreign entity registration | $250 |
Official resources
- Mississippi Insurance Department — licensing
- DOI phone: 601-359-3582
Terms used on this page
Sources & disclaimer
This guide is informational and summarizes publicly available state and NIPR licensing rules as of 2026-09-06. Requirements change — verify current rules with the Mississippi Insurance Department or NIPR before you rely on anything here.
Official NIPR reseller · Applications filed through InsureTrek are submitted via NIPR.
- InsureTrek licensing team — Mississippi agency filing steps — accessed 2026-08-22
- MID – Adjuster Instructions (2025) — accessed 2026-08-19
- MID – Bail Agent Instructions — accessed 2026-08-19
- MID – Contact Us — accessed 2026-08-19
- MID – Independent Adjuster Instructions — accessed 2026-08-19
- MID – Insurance Producer Entity Application — accessed 2026-08-19
- MID – Insurance Producer Entity Instructions — accessed 2026-08-19
- MID – Licensing Appointments — accessed 2026-08-21
- MID – Prelicensing and Continuing Education — accessed 2026-08-19
- MID – Producer Individual Licensing — accessed 2026-08-19
- MID Bulletin 2009-8 — accessed 2026-08-19
- NIPR – Mississippi resident business licensing — accessed 2026-08-21
- NIPR – Mississippi resident individual licensing — accessed 2026-08-19
- Pearson VUE – Mississippi insurance exams — accessed 2026-08-19