How Do I Get an Insurance License in Mississippi?

The first step in getting a Mississippi Insurance Adjuster License is taking pre-license education courses. These are state required courses pertaining to claims adjusting, basic insurance information, state laws and mandates, and professional ethics. To fill the pre-license requirement, you must complete a certain amount of credit hours depending on the lines of authority (types of licenses) you wish to attain. The next step after completing your pre-licensing requirement is to take and pass the Mississippi Insurance Adjuster License exam. Once you have completed your pre-licensing requirement and passed your examination, you are now ready to apply for your license. Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about five (5) business days. Depending on the results of your background check, the Department of Insurance may request more information or documentation.

How Do I Get a State Adjuster License in Mississippi?

Your first step is to take and pass the Minnesota Insurance Adjuster License exams. Depending on the lines of authority you wish to carry, you may need to take more than one exam. The State of Minnesota requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing application. If you have specific questions regarding things that may come up on your background check you may call the Minnesota Department of Commerce at (651) 539-1600 or send them an email. Once you have completed your exams, fingerprinting, and have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about ten (10) business days. Depending on the results of your background check, the Department of Insurance may request more information or documentation.

How do I renew my insurance license in Mississippi?

In Mississippi, insurance licenses expire every two (2) years. The expiration will be on the last day of your birth month. Although there’s no requirement to take another exam from the state, the State of Mississippi requires that resident individual licensees with licenses that have been in effect for nineteen to twenty-four (19-24) months complete twenty-four (24) credit hours of continuing education every two-year renewal period. If this is the state you reside in, then renewing your license will also keep any non-resident license you have in good standing. You will still need to pay the license renewal fee for non-resident licenses held in other states. If you have a producer license in more than one line of authority (ex. Property & Casualty and Life & Health), you don’t need to complete double the hours. You may take your continuing education courses either in person in a classroom setting or <a href="https://www.kaplanfinancial.com/insurance-continuing-education/mississippi?utm_source=MKT-005318&utm_medium=banner&utm_campaign=INS_IL_Affiliate&utm_term=msce_link&utm_content=staterequirement">online as a self-paced course</a>. After you have completed your continuing education and you are within 90 days of your license expiration, you may renew your Mississippi insurance license online. <a href="https://agentsync.io">AgentSync</a> can also help with the renewal process. There is a fee of $100 per line of authority to renew your license.

How do I renew my non-resident insurance license in Mississippi?

The non-resident applicant must hold a Surplus Lines license in their home state. If not, they must meet the same requirements as the resident applicant. There is no requirement to take another exam from the state. Mississippi non-resident licensees who do not hold a reciprocal license in their home state, are required to mail their paper renewal invoice and fee to the Department of Insurance. You are strongly encouraged to apply electronically at <a href="http://www.nipr.com/">NIPR</a>. <a href="https://agentsync.io">AgentSync</a> can also help with the renewal process. You may submit either a paper application or NAIC Uniform application and the appropriate license fee. The MID staff will verify home state licensure on the NAIC Producer Database (SPLD). There is a fee of $100 per line of authority to renew your license.

How Do I renew My Non-Resident Adjuster License in Mississippi?

Mississippi adjuster license renewal is required of all license-holders every two (2) years before the expiration date. NOTE: Mississippi grants reciprocal licenses to adjusters who are licensed in their home state or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination. The individual must submit an adjuster’s application ($100 fee) found at Mississippi Insurance Department. You may also apply on-line at The NIPR website. The MID staff will verify home state licensure on the NAIC Producer Database (SPLD). The applicant must have passed an examination in their home state, in another state they are licensed in providing documentation or in Mississippi to receive the license. For more information, contact the Mississippi Insurance Department.

How Do I Renew My Adjuster License In Mississippi?

Once you have your license, you’ll need to complete some additional steps every few years to keep it active. Mississippi adjuster license renewal is required of all license-holders every two (2) years before the expiration date. The expiration date of your license is set as the last day of your birth month. Resident Adjusters in Mississippi are required to complete a total of twenty-four (24) hours of continuing education (CE), including three (3) hours of ethics coursework, to upkeep with your adjuster license. There is a fee of $100 to renew your Mississippi license. All renewals must be completed via an application on NIPRs website. For more information, contact the Mississippi Insurance Department.

Mississippi

state commissioner

Mike Chaney

STATE email

Licensing@mid.ms.gov

STATE phone

(601) 359-3582

STATE LICENSE DIVISION ADDRESS

Mississippi Insurance Department

Visit State Website

Appointments & Terminations

Required to report appointments?

Yes

Permits Just-in-time (JIT) appointments?

Yes

Initial appointment deadlines

Within 15 days of contract execution or first business submission

Initial appointment deadline rule

Appointments must be submitted within 15 days of the date the agent/agency contract is executed or the first piece of business is submitted to the carrier

Can be processed via nipr?

Yes

Fees for appointing a resident agency or individual?

$25

Fees for appointing a non resident agency or individual?

$25

Appoint agencies?

Adjuster appointments via NIPR?

Appointment effective date can be specified?

Appointment effective date rule

Required (but ignored) and is the NIPR transaction process date.

State requires appointment renewal?

Yes

Appointment renewals via

Mississippi portal

Appointment renewal fee

$25

Appointment Terminated if license expires?

Yes

Terminations processed via NIPR?

Yes

Termination reasons

Cancelled; cancelled for cause

Termination date can be specified by carrier?

Yes

Termination Effective date rule

Required and is the date supplied on transaction. Must not be in the future and must be less than 30 days old

Termination fee

No fee

Licensing

Initial individual new license fee

Resident New License Insurance Producer: $101 Resident New License Limited Lines: $101 Resident New License Surplus Lines Producer: $101 Non Resident New License Insurance Producer: $101 Non Resident New License Limited Lines: $101 Non Resident New License Surplus Lines Producer: $101

License renewal fee

Resident Renewal Insurance Producer: $101 Resident Renewal Limited Lines: $101 Resident Renewal Surplus Lines Producer: $101 Non Resident Renewal Insurance Producer: $101 Non Resident Renewal Limited Lines: $101 Non Resident Renewal Surplus Lines Producer: $101

When does the resident individual producer license renewal period begin?

90 days before expiration

What is the resident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

Late renewal or reinstatement period for resident individual producer license?

Late renewal allowed up to one year after expiration

When does the nonresident individual producer license renewal period begin?

90 days before expiration

What is the nonresident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

Late renewal or reinstatement period for nonresident individual producer license?

Late renewal allowed up to one year after expiration

Can a producer use a P.O. Box in their resident or business address?

For individual's business address only

Are individuals required to list their county as part of the address?

What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Managing General Agent, Limited Lines Self-Storage Insurance Producer, Viatical Settlement Broker, Property And Casualty, Independent Adjuster, Life, Non-Resident Producer - P&C, Non-Resident 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

Appointment Terminated if license expires?

Yes

State broker license rule

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

Requires pre licensing courses?

Yes

Study method requirements

Classroom study, verifiable self-study or combination of both

Submission of completion certificate rule

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.

How long is the pre licensing certification valid?

Course completion certificate is valid for 2 years

Exemptions to pre licensing requirements

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.

Fingerprints Required?

Not Required

Where to apply for resident license?

NIPR Gateway

What Transactions are Retaliatory Fees Applied to?

None

Submit Partial License Renewals through NIPR?

Has Personal Lines LOA?

Yes

Deadline to report personal data changes (address, name change, phone number, etc.)

Producers must notify the Commissioner of a change of address within 30 days of the change. Contact Change Request supported via NIPR Gateway.

Agency

Can a sole proprietor be licensed as an entity?

Yes

DRLP must have active state license

Yes

DRLPs must cumulatively cover all LOAs in application

Agency Licensing renewals

90 days prior to expiration date until expiration date. Reinstatement period ends one year after expiration date.

Agency License required?

Yes

Affiliations: Indicates if producers selling on behalf of/through an entity must be formally affiliated with that entity and if the entity must notify the department of changes

Branch office

Main license meets requirements

Adjuster

Requires adjuster license?

Yes

Offers designated home state?

Yes

DHS exam required?

Yes

Reciprocity states

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

Which states require an exam for reciprocity?

CA, HI, NY, PR, WY

Independent adjuster LOAS

Property & Casualty (including Workers' Compensation and Crop), Workers' Compensation

Independent adjuster fees

Licensing Fee: $100 Renewal Fee: $100.00 Reinstatement Fee: $150.00

Independent adjuster exam required?

Yes

Independent adjuster renewal date

Biennially, on the last day of the individual's birth month.

Apprentice adjuster license LOAS

No LOA required

Apprentice adjuster license fees

$50

Apprentice adjuster license duration

1 Year

Apprentice adjuster license details

Requires the individual to be certified by a Mississippi licensed independent adjuster. This is a non-renewable license and cannot exceed one year.

Emergency adjuster details

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.

Continuing Education

Total hours per renewal period

Renewal period

2 years

License renewal date is

Last day of birth month

License renewal year based on...

Year of first license issuance

When is the CE due?

Prior to license expiration.

How long before expiration does state send CE reminder?

90 days prior to expiration date

Exemptions to CE

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.

What if a producer missed the renewal date?

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.

CE instructors get credit for teaching courses?

Yes, on first presentation of a course per cycle.

Ethics requirements

Flood-specific CE requirements

3 hours of NFIP course

LTC-specific CE requirements

8-hour initial certification, with 4 hours of LTC-specific training every two years

Annuity-specific CE requirements

One-time, 4-hour course

For more from agentsync

https://agentsync.io/blog/individual-producers/insurance-continuing-education-mississippi

Regulatory 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 08/05/2022 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 Non-Residents

Mississippi has updated its CE requirements for residents and non residents. Annuity training is required for both.

FAQs

How Do I Get an Insurance License in Mississippi?

The first step in getting a Mississippi Insurance Adjuster License is taking pre-license education courses. These are state required courses pertaining to claims adjusting, basic insurance information, state laws and mandates, and professional ethics. To fill the pre-license requirement, you must complete a certain amount of credit hours depending on the lines of authority (types of licenses) you wish to attain. The next step after completing your pre-licensing requirement is to take and pass the Mississippi Insurance Adjuster License exam. Once you have completed your pre-licensing requirement and passed your examination, you are now ready to apply for your license. Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about five (5) business days. Depending on the results of your background check, the Department of Insurance may request more information or documentation.
How Do I Get a State Adjuster License in Mississippi?

Your first step is to take and pass the Minnesota Insurance Adjuster License exams. Depending on the lines of authority you wish to carry, you may need to take more than one exam. The State of Minnesota requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing application. If you have specific questions regarding things that may come up on your background check you may call the Minnesota Department of Commerce at (651) 539-1600 or send them an email.

Once you have completed your exams, fingerprinting, and have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about ten (10) business days. Depending on the results of your background check, the Department of Insurance may request more information or documentation.
How do I renew my insurance license in Mississippi?

In Mississippi, insurance licenses expire every two (2) years. The expiration will be on the last day of your birth month.

Although there’s no requirement to take another exam from the state, the State of Mississippi requires that resident individual licensees with licenses that have been in effect for nineteen to twenty-four (19-24) months complete twenty-four (24) credit hours of continuing education every two-year renewal period.

If this is the state you reside in, then renewing your license will also keep any non-resident license you have in good standing. You will still need to pay the license renewal fee for non-resident licenses held in other states.

If you have a producer license in more than one line of authority (ex. Property & Casualty and Life & Health), you don’t need to complete double the hours.

You may take your continuing education courses either in person in a classroom setting or online as a self-paced course. After you have completed your continuing education and you are within 90 days of your license expiration, you may renew your Mississippi insurance license online. AgentSync can also help with the renewal process.

There is a fee of $100 per line of authority to renew your license.
How do I renew my non-resident insurance license in Mississippi?

The non-resident applicant must hold a Surplus Lines license in their home state. If not, they must meet the same requirements as the resident applicant. There is no requirement to take another exam from the state.

Mississippi non-resident licensees who do not hold a reciprocal license in their home state, are required to mail their paper renewal invoice and fee to the Department of Insurance.

You are strongly encouraged to apply electronically at NIPR. AgentSync can also help with the renewal process.

You may submit either a paper application or NAIC Uniform application and the appropriate license fee. The MID staff will verify home state licensure on the NAIC Producer Database (SPLD).

There is a fee of $100 per line of authority to renew your license.
How Do I renew My Non-Resident Adjuster License in Mississippi?

Mississippi adjuster license renewal is required of all license-holders every two (2) years before the expiration date.

NOTE: Mississippi grants reciprocal licenses to adjusters who are licensed in their home state or adjusters who hold a Designated Home State (DHS) license, as long as the home or DHS state requires an examination.

The individual must submit an adjuster’s application ($100 fee) found at Mississippi Insurance Department. You may also apply on-line at The NIPR website.

The MID staff will verify home state licensure on the NAIC Producer Database (SPLD). The applicant must have passed an examination in their home state, in another state they are licensed in providing documentation or in Mississippi to receive the license.

For more information, contact the Mississippi Insurance Department.
How Do I Renew My Adjuster License In Mississippi?

Once you have your license, you’ll need to complete some additional steps every few years to keep it active. Mississippi adjuster license renewal is required of all license-holders every two (2) years before the expiration date. The expiration date of your license is set as the last day of your birth month.
Resident Adjusters in Mississippi are required to complete a total of twenty-four (24) hours of continuing education (CE), including three (3) hours of ethics coursework, to upkeep with your adjuster license.

There is a fee of $100 to renew your Mississippi license. All renewals must be completed via an application on NIPRs website.

For more information, contact the Mississippi Insurance Department.