Mississippi Life & Health Insurance Practice Test 2026
Practice the exam Mississippi uses, from general life & health knowledge to Mississippi's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Mississippi's own insurance law.
Life 60, Health 60, Combined 115 scored questions. The time limit and passing score are set by Mississippi; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Mississippi Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Mississippi Life & Health test
Mississippi's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies15 Qs
- Policy Riders, Provisions, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Policies12 Qs
- Retirement, and Other Insurance Concepts8 Qs
- Mississippi Life Insurance Laws10 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Mississippi Accident and Health insurance laws10 Qs
- Types of Life Policies15 Qs
- Life Policy Riders, Provisions, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering Life Polices12 Qs
- Retirement and Other Life Insurance Concepts8 Qs
- Types of Accident and Health Policies16 Qs
- Health Provisions, Clauses & Riders15 Qs
- Social Insurance6 Qs
- Other Accident and Health Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Mississippi Life and Health Insurance Laws15 Qs
Source: Mississippi Insurance Supplement, Examination Content Outlines, Effective: June 7, 2022 (Pearson VUE #122501 | 12/2024; the 5/1/2024 revision updated the Bail outline only). Scored-question counts exclude the 10 pretest questions each exam adds. In the Mississippi law areas all references are to sections of Title 83, MS Regulation and MS Administrative Code (MAC). (Mississippi Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Mississippi exam
Mississippi official sources
- Unfair Trade PracticesMiss. Code Ann. Title 83, Chapter 5, Article 1, the Unfair Practices sections, §§ 83-5-27 to 83-5-51, complete · Mississippi Legislature / Joint Committee on Compilation, Revision and Publication, public access edition published by LexisNexis
- Insurance Department REGULATIONS on accident and sickness policy filing, 'non-cancelable' and 'guaranteed renewable' terminology, advertising, and coordination of benefits19 Miss. Admin. Code, Part 3 (Accident and Health), Chapters 1, 2, 3, 4, 5 and 7 · Mississippi Insurance Department (mid.ms.gov)
- Insurance Department REGULATIONS on twisting, rebating through package policies, advertising, stock-sale promotion, trusteed group accounts, and military sales practices19 Miss. Admin. Code, Part 1 (General), Chapters 1, 2, 3, 4, 10 and 37 · Mississippi Insurance Department (mid.ms.gov)
- Insurance Department REGULATION prescribing the Mississippi Life and Health Insurance Guaranty Association summary document and requiring its delivery to the policy or contract owner19 Miss. Admin. Code, Part 1, Chapter 24 · Mississippi Insurance Department (mid.ms.gov)
- Insurance Department REGULATIONS on life and annuity contracts, variable and universal life, credit life, illustrations, replacement and annuity suitability19 Miss. Admin. Code, Part 2 (Life) · Mississippi Insurance Department (mid.ms.gov)
- Insurance Department REGULATIONS on Medicare supplement and long-term care insurance minimum standards19 Miss. Admin. Code · Mississippi Insurance Department (mid.ms.gov)
- Insurance Department REGULATIONS on producer licensing, temporary and special industrial life/health licenses, agent commissions, and license revocation19 Miss. Admin. Code, Part 6 (Agents), Chapters 1, 2, 3 and 5 · Mississippi Insurance Department (mid.ms.gov)
All Mississippi insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Mississippi provisions the questions on this page cite most often.
- Miss. Code Ann. § 83-5-35 · Defamation9 questions
- 19 Miss. Admin. Code Part 1, Rule 24.03 · Application and Form of Summary Document4 questions
- 19 Miss. Admin. Code Part 3, Ch. 4, Rule 4.01 · Accident and Health Insurance Policies, Rates and Other Endorsement Filings4 questions
- 19 Miss. Admin. Code Part 3, Ch. 3, Rule 3.01 · Clarification of Non-Cancelable and Guaranteed Renewable3 questions
- 19 Miss. Admin. Code Part 6, Chapter 3, Rule 3.1 · Temporary Agents for Industrial Life, Health and Accident Coverage3 questions
- 19 Miss. Admin. Code Part 1, Chapter 37, Rule 37.072 questions
- 19 Miss. Admin. Code Part 2, Chapter 9, Rule 9.07 · Universal Life Regulation, Mandatory Policy Provisions: Policy Guarantees2 questions
- 19 Miss. Admin. Code Part 3, Ch. 8, Rule 8.062 questions
Exam figures on this page were checked against official pages: License fee · Pre-licensing. Confirm anything you rely on with the testing company and the Mississippi Department of Insurance.