Mississippi: Insurance Continuing Education

Home of the blues, the denizens of the Mississippi Delta know how to share their sorrows. But if you love insurance compliance, you can drop the slide and take a pause on crooning, because we’re about to serve up a solid helping of insurance continuing education (CE) facts.

Like all the states, keeping your CE current is a big part of keeping your resident state insurance license in force in Mississippi, and keeping your resident state insurance license in force is the foundation of all your nonresident licenses. So insurance CE = super important.

Now, we’re pretty amazing and up-to-date here at the AgentSync blog, but we’re not the ones on the hook for being in compliance with Mississippi’s license requirements. That’s on you, so, while you should totally read through all our amazing blogs for some general overviews, if you need to ensure total compliance, start by checking out the state department of insurance page.

What is the due date for Mississippi Insurance CE Credits? 

Mississippi licenses expire every two years on the licensee’s birth month. For resident producers, their CE is due the same date. Of course, it doesn’t pay to procrastinate – those who wait until the last minute could find themselves in conflict while the state records catch up with records from the CE providers.

The year of renewal will be every two years based on your year of first license. The state will provide a reminder 90 days in advance, which underscores the importance of keeping your contact information current with the state.

Who’s exempt from Mississippi Insurance CE?

Of course, nonresident license holders who have up-to-date CE in their states of residence can ignore this blog, or just admit that they’re here for the ultra-witty commentary, because they don’t have to worry about complying with Mississippi’s specifics. Mississippi, like all states, considers nonresident license holders as being in compliance as long as they comply with their home state CE requirements.

Those who only hold limited lines licenses, or credit limited lines licenses, are exempt from getting CE, either.

And, in an “age before beauty” move, the state made CE non-mandatory for insurance producers who are 65 or older and have maintained continuous licensure for 25 years or more, provided they sign an affidavit to that effect. The new law went into effect in April 2023.

How many hours of CE are required for Mississippi insurance producers?

Most Mississippi resident insurance license holders have to get 24 hours of CE, including three hours of ethics. However, they spell out very clearly that those whose licenses have been in effect for 13 to 18 months are only required to get 12 hours of CE. After the initial licensing period, or once you’ve had your license for more than 18 months, you’ll be required to get 24 hours of CE and persist on that schedule.

Mississippi is a member of the NAIC Continuing Education Reciprocity agreement, so there is a substantial course category available to producers and adjusters in the state. You can also get dual credit for taking CE courses while earning a professional designation like Certified Financial Professional.

Mississippi doesn’t allow you to take a course more than once for credit in a biennial renewal period, nor does the state allow you to roll over credit. Yet, if you’re a producer acting as a CE instructor, you’ll receive the same credit as your students for the first presentation of the material (subsequent courses would be repeats and therefore wouldn’t count for CE credit).

Line-specific requirements

If you sell flood insurance in Mississippi, you’ll need to comply with the National Flood Insurance Program requirements and complete a one-time training of three CE hours.

Also following national guidelines, Mississippi requires anyone selling annuities to take a one-time, four-hour training before they can sell, solicit, or negotiate any contracts. Though, if you have taken a similar course in a different state, Mississippi will accept that as sufficient.

People selling bond insurance must also complete 16 hours of CE per biennial renewal cycle, although they do not have to take CE their first year of licensure. They do, however, have to take eight hours for a year, so if your first license renewal period is less than 24 months, you will still need to have eight hours of CE.

Adjusters in Mississippi can take adjuster-specific courses as well as property and casualty (P&C) courses for CE credit. Insurance producers holding a P&C license can’t take any adjuster courses for credit, though.

For more information about state-specific licensing requirements, or to find out how AgentSync can make it easier to operate across multiple states, check out our state pages.

Mississippi Insurance CE FAQs