Mississippi life line
The Mississippi life insurance exam.
The Mississippi life insurance exam is 60 scored questions, about 10 unscored pretest questions, in 120 minutes, passing at 65 percent, $50 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Mississippi outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Mississippi Life Producer |
| Scored questions | 60 |
| Pretest questions | about 10 (unscored) |
| Time limit | 120 minutes |
| Passing score | 65 percent |
| Exam fee | $50 |
| Testing vendor | Pearson VUE |
| Retake rules | At a test center you wait 1 day before scheduling a retake, and test center attempts are unlimited. OnVUE online testing allows 2 attempts, with a 14-day wait after a failed first online attempt. |
| Prelicensing education | Since July 1, 2024, Mississippi requires no prelicensing education if you apply for the life line alone. Add accident and health and you need 20 hours for each line, 40 in all. |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Mississippi life insurance license
- 1
Meet the basics
Mississippi sets its own age, background check and application rules. The Mississippi insurance department lists them, so read them before you book.
- 2
Study the exam outline
Since July 1, 2024, Mississippi requires no prelicensing education if you apply for the life line alone. Add accident and health and you need 20 hours for each line, 40 in all. For the exam itself, your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $50 exam fee.
- 4
Pass the exam
Walk in knowing the format, 60 scored questions in 120 minutes, passing at 65 percent. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Mississippi exam covers
From the official exam outline, each section's share of the exam and how many of the 60 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Types of Policies | 25 percent | 15 questions |
| Policy Riders, Provisions, Options, and Exclusions | 25 percent | 15 questions |
| Completing the Application, Underwriting, and Delivering the Policies | 20 percent | 12 questions |
| Retirement, and Other Insurance Concepts | 13 percent | 8 questions |
| Mississippi Life Insurance Laws | 17 percent | 10 questions |
Free Mississippi practice questions
Original questions written to the Mississippi outline, the same bank our students drill. Tap a question to check the answer.
Question 1Marcus buys a 20-pay whole life policy at age 40. When are his premiums scheduled to be complete?
- A. At age 60
- B. At age 100
- C. At age 65
- D. At his death
Show the answer
Answer: A
A 20-pay policy requires premiums for 20 years, so starting at age 40 he finishes at age 60 while coverage continues for life. Age 65 would be a paid-up-at-65 design, not a 20-pay. Paying until death describes ordinary whole life. Age 100 is a common maturity age, not the premium-paying period for a 20-pay contract.
Question 2Which product credits interest based on the performance of a market index like the S&P 500 while guaranteeing the cash value will not lose principal from index drops?
- A. Variable whole life
- B. Indexed universal life
- C. Interest-sensitive whole life
- D. Term life
Show the answer
Answer: B
Indexed universal life ties interest crediting to an external index but includes a floor, usually zero percent, that protects against index losses. Variable whole life invests in subaccounts with no such floor, so principal can drop. Interest-sensitive whole life credits a declared interest rate, not an index. Term life has no cash value at all.
Question 3Which type of term life insurance is most commonly used to cover the balance of a home mortgage that gets smaller each year?
- A. Return of premium term
- B. Annually renewable term
- C. Level term
- D. Decreasing term
Show the answer
Answer: D
Decreasing term has a death benefit that goes down over time, which lines up with a mortgage balance that shrinks as it is paid off. Level term keeps a constant benefit and does not match a falling balance. Return of premium is about refunds, not a shrinking benefit. Annually renewable term addresses premium renewal, not benefit shape.
Question 4Tom selects a straight life (life only) payout option on his annuity; what happens to remaining funds when he dies shortly after payments begin?
- A. Payments continue to his named beneficiary for life
- B. The insurer keeps the remaining funds and payments stop
- C. His estate receives a refund of all unpaid principal
- D. Payments continue for a guaranteed 20 years to his beneficiary
Show the answer
Answer: B
A straight life option pays the largest income but stops at the annuitant's death, so the insurer retains any balance. The first choice describes a joint and survivor option, not life only. The third choice describes a refund or installment refund option. The fourth choice describes a life with period certain option. Straight life offers no survivor or refund guarantee, which is why its payments are highest.
Question 5A joint life (first-to-die) policy pays the death benefit at what point?
- A. When the last insured person dies
- B. When either insured reaches age 65
- C. When the first insured person dies
- D. When both insured persons die within one year of each other
Show the answer
Answer: C
Joint life, also called first-to-die, covers two or more people under one policy and pays the death benefit when the first insured dies. Paying at the death of the last insured describes survivorship (second-to-die) coverage, not joint life. There is no rule requiring both deaths within one year. Reaching a certain age does not trigger a death benefit.
Take the free Mississippi practice test, every question with the answer and the explanation
Mississippi exam FAQs
How many questions are on the Mississippi life insurance exam?
60 scored questions, plus about 10 unscored pretest questions mixed in, with 120 minutes on the clock.
What score passes the Mississippi exam?
You need 65 percent to pass.
How much does the Mississippi life insurance exam cost?
The exam fee is $50 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Mississippi exam?
At a test center you wait 1 day before scheduling a retake, and test center attempts are unlimited. OnVUE online testing allows 2 attempts, with a 14-day wait after a failed first online attempt. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Mississippi require prelicensing education before the exam?
No. Since July 1, 2024, Mississippi requires no prelicensing education if you apply for the life line alone. Add accident and health and you need 20 hours for each line, 40 in all. How you study for the exam is up to you, and practice exams carry more of the load.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Mississippi exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (60 questions, 120 minutes), and a mastery map that shows what to study next.