Key Takeaways
- Mississippi requires 24 hours of CE every 2 years, including 3 hours of ethics
- Producers age 65+ with 25+ continuous years of licensure are exempt from CE (since April 2023)
- NAIFA members can earn 4 hours of CE through active participation (since July 2025)
- CE must be completed before license renewal
- Non-resident producers must comply with home state CE requirements
License Maintenance and Continuing Education
Mississippi insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
Biennial Renewal System
| Item | Requirement |
|---|---|
| License Term | 2 years (biennial) |
| Renewal Method | Online through NIPR or Sircon |
Continuing Education Requirements
Mississippi requires 24 hours of continuing education (CE) every 2 years:
CE Breakdown
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 hours |
| Ethics (required) | 3 hours |
| Electives | 21 hours |
CE Course Requirements
- Must be completed at approved providers
- Online and classroom options available
- Must be completed BEFORE license renewal
CE Exemptions
Age + Experience Exemption (Since April 2023)
Effective April 17, 2023, House Bill 1084 created a new exemption:
| Requirement | Details |
|---|---|
| Age | 65 years or older |
| Experience | 25 continuous years of licensure |
| Result | Exempt from CE requirements |
Important: This exemption is relatively new (2023) and applies to producers who meet both the age AND experience requirements.
2025 CE Update - NAIFA Membership Credit
Posted July 24, 2025, the Mississippi Insurance Department issued a bulletin allowing:
| Requirement | Details |
|---|---|
| Organization | National Association of Insurance and Financial Advisors (NAIFA) |
| CE Credit | 4 hours |
| Requirement | Active engagement in NAIFA affairs and programming |
| Effective | July 1, 2025 |
Special Training Requirements
Annuity Best Interest Training
| Requirement | Details |
|---|---|
| Course | One-time training required |
| When Required | Before selling annuity products |
Long-Term Care (LTC) Training
| Training Type | Requirement |
|---|---|
| Initial Training | Required before selling LTC products |
| Ongoing Training | As specified by regulation |
Reporting Requirements
Mississippi producers must notify MID of changes:
Required Notifications
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
How to Report
- Update through NIPR or Sircon online portal
- Or contact MID directly
- Failure to report is a violation
Disciplinary Actions
MID can take disciplinary action against licensees for violations:
Grounds for Discipline
- Violating insurance laws or regulations
- Fraudulent or dishonest practices
- Misappropriation of funds
- Misrepresentation to clients
- Failure to maintain CE
- Failure to report required information
- Criminal conviction
Types of Discipline
| Action | Description |
|---|---|
| Warning | Letter for minor violations |
| Probation | License continues with conditions |
| Fine | Monetary penalty per violation |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
License Status Types
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively selling (voluntary) |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
Non-Resident Requirements
Non-resident producers must:
- Maintain license in their home state
- Comply with home state CE requirements
- Report any disciplinary actions in other jurisdictions
How many hours of continuing education does Mississippi require every 2 years?
Which Mississippi producers are exempt from CE requirements since April 2023?
How many CE hours can NAIFA members earn through active participation (since July 2025)?
How many hours of ethics CE are required in Mississippi?