• 89 questions

Mississippi Life Insurance Exam Questions

Mississippi insurance law, one question at a time, with the Title 83 section or department rule under each answer.

How many hours of approved prelicensing education does Mississippi require for each line of authority?

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Unofficial practice questions, not affiliated with the Mississippi Insurance Department. Bank checked October 6, 2026.

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All 89 questions

Producer licensing and continuing education 23

  • A 2023 act excused some long-serving Mississippi producers from continuing education. Who qualifies? Miss. Code Ann. 83-17-251 (2024 H.B. 819)
  • A 2024 act added a new exemption from the Mississippi prelicensing education requirement. Who gained it? Miss. Code Ann. 83-17-251 (2024 H.B. 819)
  • A licensed Mississippi agent dies. To whom may the insurer lawfully pay the commissions the agent would have been entitled to, whether or not that person is licensed? Miss. Code Ann. 83-17-7
  • A Mississippi insurer does not renew an agent's certificate of authority. Within how long must it notify the agent? Miss. Code Ann. 83-17-5
  • A Mississippi producer files a renewal application and pays the fees, but the renewal license has not yet been issued. What is the status of the current license? Miss. Code Ann. 83-17-37
  • A Mississippi producer license has been in effect for 18 months or less at renewal. How many hours of continuing education are required? Miss. Code Ann. 83-17-251 (2024 H.B. 819)
  • A Mississippi producer license has been in effect for more than 18 months. How many hours of continuing education must be completed for renewal? Miss. Code Ann. 83-17-251 (2024 H.B. 819)
  • A Mississippi producer license is revoked. How long must the former licensee wait before filing another application for a producer license? Miss. Code Ann. 83-17-71
  • A Mississippi producer places a life policy with an insurer that is not authorized to do business in the state. What is the producer liable for under section 83-17-45? Miss. Code Ann. 83-17-45
  • Before a Mississippi license or certificate of authority is issued, what must a company requesting a first-time appointment certify about the applicant? Miss. Code Ann. 83-17-75
  • For how long is the approval of a Mississippi prelicensing or continuing education course valid? Miss. Code Ann. 83-17-253
  • How long must a Mississippi education provider keep a record of the persons attending each course? Miss. Code Ann. 83-17-253
  • How many hours of approved prelicensing education does Mississippi require for each line of authority? Miss. Code Ann. 83-17-251 (2024 H.B. 819)
  • In Mississippi, an applicant for a renewal license may be made to take the written examination when the license had not been effective within how long before the application? Miss. Code Ann. 83-17-39
  • The Mississippi Commissioner refuses to renew a producer license. Within how long may the licensee make a written demand for a hearing? Miss. Code Ann. 83-17-71
  • Under a 2026 Mississippi act, what must an outside testing service under contract to give the producer examination follow? Miss. Code Ann. 83-17-59 (2026 H.B. 1332)
  • Under Mississippi section 83-17-7, what kind of referral fee may an agent pay to an unlicensed employee of the agency? Miss. Code Ann. 83-17-7
  • What does Mississippi section 83-17-19 make of soliciting insurance otherwise than the licensing chapter permits? Miss. Code Ann. 83-17-19
  • What is the most the Mississippi Commissioner may levy as a civil penalty on a producer for each violation under section 83-17-71? Miss. Code Ann. 83-17-71
  • What may a "nonactive agent" do under Mississippi section 83-17-1? Miss. Code Ann. 83-17-1
  • Which degree excuses a Mississippi applicant from the prelicensing course of study? Miss. Code Ann. 83-17-251 (2024 H.B. 819)
  • Which of these is a ground listed in Mississippi section 83-17-71 for refusing or revoking a producer license? Miss. Code Ann. 83-17-71
  • Within how long of course completion must a Mississippi education provider send proof of an attendee's completion to the Commissioner? Miss. Code Ann. 83-17-257

Life insurance law 20

  • A Mississippi company that sells industrial life insurance on a weekly payment plan returns part of the premium to policyholders who pay without a collector. For how long must such a policyholder have paid that way? Miss. Code Ann. 83-7-3
  • A Mississippi insurer learns from a death master file match that an insured may have died. Within how long must it complete a good-faith effort to confirm the death? Miss. Code Ann. 83-7-307
  • A Mississippi life insurer fails to deliver a copy of the insured's application with the policy. What is the consequence in court? Miss. Code Ann. 83-7-13
  • A Mississippi life insurer pays policy proceeds as the policy directs. When does that payment not fully discharge the insurer? Miss. Code Ann. 83-7-4
  • A Mississippi life policy or annuity provides that proceeds are retained by the company and withholds permission to assign them. What follows under section 83-7-5? Miss. Code Ann. 83-7-5
  • A Mississippi life policy was issued with the insured's age misstated. What happens when a loss occurs? Miss. Code Ann. 83-7-15
  • After a hearing, the Mississippi Commissioner finds that an agent gave a rebate on a life policy in violation of section 83-7-3. What follows? Miss. Code Ann. 83-7-3
  • An agent in Mississippi knowingly makes a false statement about insurance for the purpose of obtaining a commission. What does section 83-7-11 provide? Miss. Code Ann. 83-7-11
  • Before paying an accelerated benefit under a Mississippi life policy, what must the insurer receive from any assignee or irrevocable beneficiary? Miss. Code Ann. 83-7-105
  • From what age may a minor in Mississippi contract for life, health and accident insurance on his or her own life? Miss. Code Ann. 83-7-19
  • From what date is interest on Mississippi life insurance death proceeds computed? Miss. Code Ann. 83-7-6
  • The guardian of a Mississippi minor under 15 wants to contract for life insurance for the ward's benefit. Whose approval is required? Miss. Code Ann. 83-7-19
  • How many days does Mississippi section 83-7-51 give the buyer of an individual life policy to send it back and have the premium refunded? Miss. Code Ann. 83-7-51
  • In Mississippi, an individual life or health contract, other than group coverage, may not be made on a person unless that person does what? Miss. Code Ann. 83-5-253
  • Mississippi requires words describing the kind and character of a life policy on its face or first page. Where else must the same words appear? Miss. Code Ann. 83-7-17
  • Mississippi's rule that an insurer pay interest on life insurance death proceeds does not apply when the total proceeds on the death are less than what amount? Miss. Code Ann. 83-7-6
  • Under Mississippi section 83-7-9, what may a person insured under a group life policy assign to another person other than the policyholder? Miss. Code Ann. 83-7-9
  • What is the highest fixed interest rate a Mississippi life policy may permit on policy loans under section 83-7-26? Miss. Code Ann. 83-7-26
  • What must the disclosure for an accelerated benefit under a Mississippi life policy say about taxes? Miss. Code Ann. 83-7-109
  • Which statement must appear on the face of every Mississippi policy or rider that has an accelerated benefit? Miss. Code Ann. 83-7-109

Replacement, annuities and viatical settlements 11

  • An applicant for a Mississippi viatical settlement broker license must take a written examination if the applicant has not been licensed to sell life insurance within how long? Miss. Code Ann. 83-7-205
  • For how long does a Mississippi viatical settlement contract give the viator an unconditional right to rescind? Miss. Code Ann. 83-7-217
  • How does Mississippi treat a violation of its viatical settlements law, sections 83-7-201 to 83-7-223? Miss. Code Ann. 83-7-221
  • In a Mississippi replacement, for how long after delivery may the owner return the new policy or contract? 19 Miss. Admin. Code Pt. 2, R. 14.05
  • The insured under a Mississippi viatical settlement contract dies during the rescission period. What is the effect? Miss. Code Ann. 83-7-217
  • Under the Mississippi replacement regulation, policy values taken from an existing policy and used to pay premiums on a new policy from the same company are prima facie evidence of a financed purchase when taken within what window? 19 Miss. Admin. Code Pt. 2, Ch. 14
  • What duty does the Mississippi annuity suitability regulation place on a producer who recommends an annuity? 19 Miss. Admin. Code Pt. 2, R. 18.06
  • What must a Mississippi viatical settlement provider tell the viator, no later than the time of application, about government benefits? Miss. Code Ann. 83-7-215
  • What training must a Mississippi producer complete before engaging in the sale of annuity products? 19 Miss. Admin. Code Pt. 2, R. 18.07
  • Where a replacement is involved, how soon must a Mississippi replacing insurer notify any other existing insurer that may be affected? 19 Miss. Admin. Code Pt. 2, R. 14.05
  • Which existing coverage is outside the Mississippi life insurance and annuities replacement regulation? 19 Miss. Admin. Code Pt. 2, Ch. 14

Accident and health provisions 18

  • A clean claim under a Mississippi accident and sickness policy is submitted in paper format. Within how long must benefits be paid? Miss. Code Ann. 83-9-5 (2024 H.B. 1079)
  • A Mississippi accident and sickness policy must say how soon the insurer is to be told of a loss. What time does section 83-9-5 write into that provision? Miss. Code Ann. 83-9-5 (2024 H.B. 1079)
  • A Mississippi employee insured under a group health policy dies. For how long may the dependent spouse elect to continue coverage? Miss. Code Ann. 83-9-51
  • A Mississippi sickness and accident policy covers mental illness. May it exclude hospitalization benefits because the patient is in a tax-supported institution of the state? Miss. Code Ann. 83-9-7
  • Before issuing a long-term care policy to a Mississippi applicant of what age must the insurer obtain a physical examination report, a functional assessment, an attending physician's statement or medical records? 19 Miss. Admin. Code Pt. 3, Ch. 8
  • How long does a Mississippi long-term care applicant have to return the policy for a refund of the premium? 19 Miss. Admin. Code Pt. 3, Ch. 8
  • Mississippi health coverage for a newborn includes transportation to the nearest properly equipped facility when a physician certifies it is needed. What is the cap on that cost? Miss. Code Ann. 83-9-33
  • Mississippi section 83-9-111 gives a Medicare supplement applicant 30 days to send the policy back. Who must be paid the refund, and by whom? Miss. Code Ann. 83-9-111
  • Section 83-9-19 sets the forfeiture for a wilful violation of the Mississippi accident and sickness policy law. What is its range for each violation? Miss. Code Ann. 83-9-19
  • To continue Mississippi group hospital, surgical or major medical coverage after employment ends, for how long must the employee have been continuously insured under the group policy? Miss. Code Ann. 83-9-51
  • Under Mississippi section 83-9-5, within how long must benefits be paid after the insurer receives a clean claim that was submitted electronically? Miss. Code Ann. 83-9-5 (2024 H.B. 1079)
  • Under Mississippi section 83-9-49, for how long after an individual's coverage takes effect may a Mississippi group health policy exclude losses due to a preexisting condition? Miss. Code Ann. 83-9-49
  • Under Mississippi section 83-9-49, how far back may a Mississippi group health policy look when it defines a preexisting condition? Miss. Code Ann. 83-9-49
  • Under the Mississippi regulation on the terms "non-cancellable" and "guaranteed renewable", until what age must the insured have the right to continue a policy called non-cancellable? 19 Miss. Admin. Code Pt. 3, R. 3.01
  • What grace period does the required provision in a Mississippi accident and sickness policy give a monthly premium policy? Miss. Code Ann. 83-9-5 (2024 H.B. 1079)
  • What may a Mississippi insurer change in a policy it calls "guaranteed renewable" while the policy is in force? 19 Miss. Admin. Code Pt. 3, R. 3.01
  • Which individual policies are excepted from the examination and return notice of Mississippi section 83-9-25? Miss. Code Ann. 83-9-25
  • Which proof of loss forms may a Mississippi accident and sickness insurer require under section 83-9-13? Miss. Code Ann. 83-9-13

Unfair practices and penalties 11

  • A Mississippi accident and health agent makes loose remarks about the claim payment record of a competing company. What does Rule 2.01 of Part 3 say will follow? 19 Miss. Admin. Code Pt. 3, R. 2.01
  • A Mississippi agent includes an insurance policy free or at a reduced premium with the sale of another item. How does Rule 2.01 treat that? 19 Miss. Admin. Code Pt. 1, R. 2.01
  • A Mississippi lender with an insurance agency requires a borrower to cancel existing insurance and buy new insurance through that agency as a condition of the loan. What does Rule 1.01 call for? 19 Miss. Admin. Code Pt. 1, R. 1.01
  • A nonresident violates a Mississippi cease and desist order and does not pay the forfeiture. In which county is the civil action brought? Miss. Code Ann. 83-5-49
  • A person wilfully violates a final Mississippi cease and desist order. Who benefits from the forfeiture of up to $1,000 for each violation? Miss. Code Ann. 83-5-49
  • After a hearing on an unfair practice defined in Mississippi section 83-5-35, what administrative fine may the Commissioner impose in addition to or in place of a cease and desist order? Miss. Code Ann. 83-5-41
  • The Mississippi Commissioner believes a method of competition that section 83-5-35 does not define is unfair. How much notice of the hearing must the person receive? Miss. Code Ann. 83-5-45
  • To whom must premium checks be made payable under the Mississippi Insurance Department's Rule 11.01? 19 Miss. Admin. Code Pt. 1, R. 11.01
  • Under Mississippi section 83-5-35, a lender requires that insurance on mortgaged property be bought through one particular agent. What right does the lender keep? Miss. Code Ann. 83-5-35
  • What does the Mississippi Insurance Department's Rule 6.01 say about advertising "free insurance"? 19 Miss. Admin. Code Pt. 1, R. 6.01
  • What is the general penalty for violating a Mississippi insurance law whose penalty is not specially provided? Miss. Code Ann. 83-5-85

Guaranty association 6

  • How long does Mississippi section 83-23-233 hold court proceedings to which an insolvent insurer is a party, counted from the day a liquidation order becomes final? Miss. Code Ann. 83-23-233
  • How many member insurers sit on the board of directors of the Mississippi Life and Health Insurance Guaranty Association? Miss. Code Ann. 83-23-213
  • May a Mississippi agent use the existence of the guaranty association in an advertisement to help sell a policy? Miss. Code Ann. 83-23-235 (2020 S.B. 2227)
  • What interest does Mississippi section 83-23-217 put on a guaranty association assessment that a member insurer pays after the due date? Miss. Code Ann. 83-23-217 (2020 S.B. 2227)
  • What is the most the Mississippi Life and Health Insurance Guaranty Association covers in life insurance death benefits on one life? Miss. Code Ann. 83-23-205 (2020 S.B. 2227)
  • Which coverage did a 2020 Mississippi act bring within the guaranty association's definition of a "health benefit plan"? Miss. Code Ann. 83-23-209 (2020 S.B. 2227)

How it works

These unofficial Mississippi life insurance exam questions ask the law only, accident and health law included: 89 questions from Title 83 of the Mississippi Code and Insurance Department regulations. Policy types, underwriting and textbook theory are left out.

Read the full guide

What the Mississippi law questions cover

Six groups: producer licensing and continuing education, life insurance law, replacement, annuities and viatical settlements, accident and health provisions, unfair practices and penalties, and the guaranty association. Chapter 7 of Title 83 sets no grace period or incontestability clause for life policies, so the life group asks what it does set: the free look, minors, interest on proceeds and accelerated benefits.

Where the Mississippi law was read

Sections amended since 2020 were read in the act itself on the Legislature's site: prelicensing and continuing education, the examination, the accident and sickness policy provisions and the guaranty association. The rest were read in a public copy of the code dated July 8, 2020, each checked against the Legislature's bill index. Regulations were read on the Department's site.

  • Notice of claim on an accident and sickness policy is due within 30 days of the loss (83-9-5).
  • A clean claim is paid within 25 days when sent electronically and within 35 days on paper (83-9-5).
  • A minor aged 15 or older may contract for life, health and accident insurance on his or her own life (83-7-19).

Questions and answers

Is there a PDF of Mississippi life insurance exam questions and answers?

Yes, of this site's practice questions. After a round, press Print, tick With answer key, then Print the question sheet and save it as a PDF from the print window. None of it is the state exam's questions or answer key.

How many questions are on the Mississippi life insurance exam?

Title 83 does not say, and this page gives no length, clock or pass mark. Section 83-17-59 leaves the exam to the Commissioner; since 2026 a testing service must follow the National Association of Insurance Commissioners' standards. Exam mode's 25 questions are a set size.

How many hours of prelicensing education does Mississippi require?

Twenty hours of approved courses for each line of authority (83-17-251). Since a 2024 act, an applicant for the life line only is exempt, as is one with a bachelor's degree with major coursework in insurance.

How many continuing education hours does a Mississippi producer need?

Twenty-four hours, three of them in ethics, when the license has been in effect more than 18 months; twelve hours when it has been in effect 18 months or less (83-17-251).

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