Mississippi Property & Casualty Exam Overview

Welcome to OpenExamPrep's FREE Mississippi Property & Casualty Insurance exam prep guide. This comprehensive resource covers Mississippi-specific regulations, licensing requirements, and state insurance laws you need to know to pass your exam and begin your career as a licensed P&C producer.

About the Mississippi P&C Exam

The Mississippi Property & Casualty insurance examination is administered by Pearson VUE on behalf of the Mississippi Insurance Department (MID). The exam tests your knowledge of:

• Mississippi insurance law and regulations
• Property insurance principles and coverages
• Casualty insurance including auto and liability
• Policy provisions and endorsements
• Ethics and professional conduct
• Claims handling and consumer protection

Exam Structure

Important: Mississippi requires separate Property and Casualty exams. You must pass BOTH with 70% or higher to receive your P&C license.

Pre-Licensing Education Requirements

Before scheduling your Mississippi P&C exam, you must complete:

Required Education

• 40 hours of approved pre-licensing education (20 hours Property + 20 hours Casualty)
• Courses must be from a Mississippi-approved provider
• Completion certificates must be submitted to the Mississippi Insurance Department
• Education must cover Mississippi insurance law and P&C principles

Education Topics Covered

1. Property Insurance (8-10 hours)

   • Homeowners insurance
   • Commercial property
   • Inland marine
   • Fire and allied lines

2. Casualty Insurance (8-10 hours)

   • Auto insurance
   • General liability
   • Workers' compensation
   • Professional liability

3. Mississippi Insurance Law (2-4 hours)

   • State regulations
   • Consumer protection
   • Licensing requirements
   • Ethical standards

Exam Tip: Mississippi requires 40 hours of pre-licensing education. Most successful candidates spend 60-80 hours total studying, including practice exams and self-study.

License Application Process

Step-by-Step Process

1. Complete Pre-Licensing Education

   • Finish 40 hours from approved provider (20 hours Property + 20 hours Casualty)
   • Receive completion certificate
   • Submit certificate to Mississippi Insurance Department

2. Schedule Your Exam

   • Register with Pearson VUE online or by phone
   • Pay $52 exam fee
   • Choose testing center or online proctored option
   • Schedule exam date and time

3. Take the Exam

   • Arrive 30 minutes early (or log in early for online)
   • Bring two forms of identification
   • Pass both Property and Casualty sections at 70%+

4. Apply for License

   • Submit application within 12 months of passing
   • Pay $100 license application fee
   • Complete background check if required
   • Receive license from Mississippi Insurance Department

Total Costs

What This Guide Covers

This FREE study guide focuses on Mississippi state-specific content:

Chapter 1: Mississippi P&C Regulation & Licensing

• Mississippi Insurance Department structure and authority
• Producer licensing requirements and continuing education
• Ethics and professional responsibilities
• Prohibited practices and disciplinary actions

Chapter 2: Mississippi Property Insurance

• Homeowners insurance regulations
• Mississippi FAIR Plan (windstorm and hail coverage)
• Coastal property requirements
• State-mandated coverages and exclusions

Chapter 3: Mississippi Casualty & Auto Insurance

• Mississippi auto insurance minimum requirements (25/50/25)
• Liability insurance principles
• Workers' compensation regulations
• General liability coverages

Chapter 4: Mississippi Ethics & Professional Conduct

• Fiduciary duties to clients and insurers
• Disclosure requirements
• Claims handling standards
• Consumer protection laws

Note: This guide covers ONLY Mississippi state law. You must also study national P&C insurance principles (covered in separate national P&C courses) to fully prepare for the exam.

Exam Content Breakdown

The Mississippi P&C exam covers seven main sections:

Seven Exam Sections

Exam Tip: The exam emphasizes policy types, terms, and provisions. Know the differences between various homeowners forms (HO-2, HO-3, HO-5) and auto coverages (liability, collision, comprehensive).

Mississippi Insurance Department Contact

Important Resources

Testing Center Information

Pearson VUE

• Website: www.pearsonvue.com/ms/insurance
• Phone: (888) 204-6230
• Online scheduling available 24/7
• Multiple testing centers throughout Mississippi

How to Use This Guide

Study Strategy

1. Read Each Chapter Thoroughly

   • Take notes on key concepts
   • Focus on Mississippi-specific regulations
   • Complete all quiz questions

2. Test Your Knowledge

   • Answer quiz questions at end of each section
   • Review explanations for wrong answers
   • Retake quizzes until you score 90%+

3. Use Key Takeaways

   • Review bullet points at top of each section
   • Create flashcards from key takeaways
   • Quiz yourself before the exam

4. Study National P&C Content

   • This guide covers ONLY Mississippi law
   • Study national P&C principles separately
   • Combine both for complete exam preparation

Recommended Study Timeline

Success Tip: Most candidates who pass on the first attempt spend 50-60 hours total studying. Don't rush—give yourself 4-6 weeks to prepare thoroughly.

Next Steps

Ready to begin? Start with Chapter 1: Mississippi P&C Regulation & Licensing to learn about the Mississippi Insurance Department, licensing requirements, and professional responsibilities.

Good luck on your exam! 🎓