Mississippi
Mike Chaney
Mississippi Insurance Department
P.O. Box 79
Jackson, Mississippi, 39205
Appointments & Terminations
Yes
Yes
Within 15 days of contract execution or first business submission
MS ST § 83-17-75 The insurer must submit the appointment on the prescribed form within 15 days from the date of the agency contract or when the first insurance contract is submitted.
Yes
$25
$25
No
No
Yes
Required and is the date supplied on transaction. Must be less than 15 days old and may not be in the future.
Yes
Mississippi portal
$25
No
Yes
Yes
Cancelled; cancelled for cause
Yes
Required and is the date supplied on transaction. Must not be in the future and must be less than 30 days old.
No fee
No
Notices must be mailed
Licensing
Resident New License Insurance Producer: $101
Resident New License Limited Lines: $101
Resident New License Surplus Lines Producer: $101
Nonresident New License Insurance Producer: $101
Nonresident New License Limited Lines: $101
Nonresident New License Surplus Lines Producer: $101
Resident Renewal Insurance Producer: $101 Resident Renewal Limited Lines: $101 Resident Renewal Surplus Lines Producer: $101 Nonresident Renewal Insurance Producer: $101 Nonresident Renewal Limited Lines: $101 Nonresident Renewal Surplus Lines Producer: $101
90 days before expiration
Last day of birth month every 2 years based on year of first state license issue
Late renewal allowed up to one year after expiration
90 days before expiration
Last day of birth month every 2 years based on year of first state license issue
Late renewal allowed up to one year after expiration
For individual's business address only
No
Residence, Business, and Mailing
Managing General Agent, Limited Lines Self-Storage Insurance Producer, Viatical Settlement Broker, Property And Casualty, Independent Adjuster, Life, Nonresident Producer - P&C, Nonresident Producer - L/H, Resident Producer - L/H, Resident Producer - P&C, Supervising General Agent Inc, Bail Enforcement Agent, Bail Soliciting Agent, Burial Agent, Emergency Adjuster, Professional Bail Agent - Limited Sureties, Professional Bail Agent - Personal Sureties, Stock Sales, Supervising General Agent, Viatical Settlement Representative, Adjuster Trainee, Legal Agent, Public Adjuster, Automobile Club Agent, Limited Lines Insurance Producer, Limited Lines Credit Insurance Producer, Surplus Lines Insurance Producer, Risk Retention Agent, Temporary Limited Lines Insurance Producer, Reinsurance Intermediary Manager, Reinsurance Intermediary Broker, Exempt, Exempt - Fraternal, Exempt - Title, Insurance Producer, Temporary Insurance Producer, Industrial Fire, Industrial Life, Accident & Health, Trip Accident and Baggage
Yes
Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA
Yes
Classroom study, verifiable self-study or combination of both
Each license applicant must submit a certification of pre-licensing education completion to the commissioner. Pre licensing course completions should be submitted within five (5) calendar days of the course completion date. Reporting exceptions may be received on a case by case basis. Must be submitted via Sircon.
Course completion certificate is valid for 2 years
Pre-licensing education requirements do not apply to: a. applicants exempt from taking the written examination; b. applicants who received a bachelor's degree with major coursework in insurance from an accredited institution; c. applicants holding a current and valid designation for the following lines of authority: I. life - CEBS, CHFC, CIC, CFP, CLU, FLMI, and LUTCF designations; II. accident and health or sickness - RHU, CEBS, REBC, and HIA designations; or III. property and casualty - AAI, ARM, CIC, and CPCU designations; d. limited lines producer and limited lines credit producers; and e. applicants only seeking licensure for the variable life and variable annuities line of authority. Any agent may transfer his/her nonresident fire/casualty license to a resident license without an exam. The agent must comply with the pre-licensing education requirement unless the agent did so before receiving the original license. To transfer the license, a licensee must file: a. a letter of clearance; b. an application; and c. a requisition from the sponsoring company.
Before being issued a license, a producer applicant must complete 20 hours of approved pre licensing education per line of authority. Independent Adjusters and Public Adjusters shall satisfactorily complete twenty (20) hours of pre licensing education per line of authority: Property & Casualty including Workers Compensation (20), and Workers Compensation only (20), Public Adjuster (20) or demonstrate to the Commissioner that he has had experience or special education or training with reference to the handling of loss claims under insurance contracts of sufficient duration and extent to make him competent to fulfill the responsibilities of an Independent Adjuster or Public Adjuster Professional bail agents, Soliciting bail agents and Bail Enforcement agents shall satisfactorily complete forty (40) hours of prelicensing education
Not Required
Only required for Bail Bond licensing
Pearson VUE
Two Years
NIPR Gateway
None
No
Yes
Producers must notify the Commissioner of a change of address within 30 days of the change. Contact Change Request supported via NIPR Gateway.
Agency
Yes
Yes
No
Producer entity must hold producer, adjuster entity must hold adjuster, and MGA entity must hold MGA or MGA entity license.
90 days prior to expiration date until expiration date. Reinstatement period ends one year after expiration date.
Yes
No
Main license meets requirements
Producers must notify the Commissioner of a change of address within 30 days of the change. Business Entities must submit "Entity Address Change Form" found on the state's website.
Adjuster
Yes
Yes
AK, AL, AR, AZ, CT, DE, FL, GA, ID, IN, KY, LA, ME, MI, MN, MT, NC, NH, NM, NV, OK, OR, RI, SC, TX, UT, VT, WA, WV
CA, HI, NY, PR, WY
Property & Casualty (including Workers' Compensation and Crop), Workers' Compensation
Licensing Fee: $100 Renewal Fee: $100.00 Reinstatement Fee: $150.00
Yes
No LOA required
$50
1 Year
Requires the individual to be certified by a Mississippi licensed independent adjuster. This is a non-renewable license and cannot exceed one year.
Biennially, on the last day of the individual's birth month.
Public Adjuster
Licensing Fee: $100 Renewal Fee: $100.00 Reinstatement Fee: $150.00
Yes
In the event of an emergency, a 180 day can be issued by applying and paying a $50 fee. Emergency adjuster applicants must be certified by a license Mississippi independent adjuster. No LOA required.
Yes
No
Continuing Education
Having the license less than 18 months before renewal, 12 CE hours. If you have the license more than 18 months before the renewal, 24 CE hours
2 years
Yes
Last day of birth month
Year of first license issuance
Prior to license expiration.
90 days prior to expiration date
90 days prior to expiration date
Licensees whose first renewal falls 13 to 18 months from their first date of licensure must only get 12 hours of CE. Those holding only limited lines or credit limited lines licenses are exempt from CE requirements. Insurance producers who are 65 or older who have maintained a continuous insurance producer license for 25 years or more are exempt from CE, and who sign an affidavit to that effect. Bail agents 65 or more who has been licensed as a bail agent for 20 or more continuous years are exempt from CE.
Most producers and adjusters are allowed to reinstate their insurance license within 12 months of expiration. After that, you’ll need to reapply as a new licensee.
Yes, on first presentation of a course per cycle.
3
3 hours of NFIP course
8-hour initial certification, with 4 hours of LTC-specific training every two years
One-time, 4-hour course
Adjusters must complete: 12 CE hours for licenses that have been in effect for a term of 18 months of less at the time of license renewal. or 24 CE hours, including 3 hours of ethics, for licenses that have been in effect more than 18 months at the time of license renewal.
https://www.mid.ms.gov/mississippi-insurance-department/licensing/producer-individual-licensing/
Professional bail agents, soliciting bail agents, and bail enforcement agents shall complete 16 bail-specific CE hours per 2-year renewal. Adjusters can take adjuster-specific courses as well as property and casualty courses. Insurance producers holding a P&C license cannot take adjuster courses for credit, however.
https://agentsync.io/blog/individual-producers/insurance-continuing-education-mississippi
Regulatory Updates
Mississippi Removes Prelicensing Requirement for Life Only
Effective April 26, 2024, Mississippi enacted House Bill 819 which includes removing the prelicensing requirement for an individual that is seeking licensure for the life line of authority only. See Section 3 of the attached for all prelicensing exemptions.
Mississippi Updating Appointment and Termination Backdating Rules
Effective April 12, 2024, Mississippi will update their Appointment and Termination business rules to allow backdating of the effective date up to 15 days for Appointments and 30 days for Terminations. Previously, the effective date was the date the transaction was processed. The backdating rules will be enforced on Appointment and Termination Transactions.
The Mississippi Department of Insurance Updates Agreement Termination of Agency Contract for P&C
On January 3, 2024, The Mississippi Department of Insurance updated the Notice to Commissioner section for P&C by adding a link to the Appointment Cancellation Notification form link: _
The Mississippi Department of Insurance Updates Agreement Termination of Agency Contract for Individual Life & Annuity
On December 19, 2023, The Mississippi Department of Insurance updated the Notice to Commissioner section by adding a link to the Appointment Cancellation Notification form:
The Mississippi Department of Insurance Updates Producer Licensing Requirements for Residents and Nonresidents
On December 18, 2023, The Mississippi Department of Insurance updated numerous licensing requirements for both residents and nonresidents, please expand for more to view the updates.
Mississippi Adds New Non Uniform Question for Renewals
Effective September 15, 2023, Mississippi will required the following non uniform questions for renewals. Have you or any business in which you are or were an agent, owner, partner, officer or director of the business entity, or member or manager of a limited liability company, ever had an insurance agency contract or any other business relationship with an insurance company terminated for any alleged misconduct in any U.S jurisdiction?
Mississippi –To update Designated Responsible Licensed Producer (DRLP) validations for business entities.
Effective July 14, 2023, the following requirements will be added to the Designated Responsible Licensed Producer (DRLP) validations. If the business entity is applying or renewing for Viatical Settlement Provider (PDB Code: 715), Viatical Settlement Representative (PDB Code: 8513), or Viatical Settlement Broker Entity (PDB Code: 8013), then the DRLP section of the application will be required. Applicant must provide a DRLP that is actively licensed in Mississippi as a Viatical Settlement Representative or a Viatical Settlement Broker.
Mississippi Issues Bulletin Regarding CE Exemption for Insurance Producers Aged 65 and Older
During the 2023 Regular Legislative Session, the Mississippi Legislature passed House Bill 1084, which amends Section 83.-17.251 of the Mississippi Code to provide that any individual who is sixty-five(65) years of age or older and who has been licensed as an insurance producer for a continuous peril of twenty-five (25) years or more, may be exempt from insurance producer continuing education requirements. See attachment for full details.
Mississippi Converting Travel LOA to License Class
Effective date is yet to be announced, but Mississippi is converting the Insurance Producer with a Travel LOA to a license class of Limited Lines Travel. A Limited Lines business entity must provide one DRLP that is actively licensed as a Limited Lines Travel Insurance Producer, or Producer with Property and Casualty or Personal Lines.
UPDATE – Mississippi Converting Travel LOA to License Class
Effective date of August 5, 2022, has been announced. Mississippi is converting the Insurance Producer with a Travel LOA to a license class of Limited Lines Travel. A Limited Lines business entity must provide one DRLP that is actively licensed as a Limited Lines Travel Insurance Producer, or Producer with Property and Casualty or Personal Lines.
NASAA Updates IAR CE Member Adoption list on its Website
NASAA provides an updated version of the IAR CE Member Adoption list on its website.
Mississippi Now Requiring Annuity Training for Both Residents and Nonresidents
Mississippi has updated its CE requirements for residents and nonresidents. Annuity training is required for both.
FAQs
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How Do I Get an Insurance License in Mississippi?
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How Do I Get a State Adjuster License in Mississippi?
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How do I renew my insurance license in Mississippi?
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How do I renew my nonresident insurance license in Mississippi?
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How Do I renew My Non-Resident Adjuster License in Mississippi?
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How Do I Renew My Adjuster License In Mississippi?