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Free Mississippi Life Insurance Practice Exam Online

Official exam: Life Insurance Producer License (MS)

Take a free Mississippi Life Insurance practice exam online: a full 25-question paper with every answer explained, no sign-up, scored by topic. The full 25-question bank and the timed simulator are $14.99 for 30 days.

First published: September 3, 2026Bank updated: September 3, 2026Published by CertQuestUSA · review process
TL;DR

Life Insurance Producer License (MS): a 25-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 25 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily Miss. Code Ann. (62%) and 19 Miss. Admin. Code Pt. (33%) of this exam's citations.

Take a full practice test free. 25 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
25
questions per paper
25
questions in the bank
What this exam covers
5 real sample questions
Under Miss. Code Ann. § 83-9-5, what grace period applies to a life insurance policy on which premiums are paid annually (that is, not weekly or monthly)?
A. 31 days
B. 10 days
C. 7 days
D. 45 days
Show answer and reasoning

Correct answer: A. 31 days

Correct. Miss. Code Ann. § 83-9-5 grants a 31-day grace period for premiums falling due after the first premium under all premium modes other than weekly or monthly.

  • B: Incorrect. Ten days is the grace period this section grants for monthly premium policies, not annual policies.
  • C: Incorrect. Seven days is the grace period this section grants for weekly premium policies, not annual policies.
  • D: Incorrect. Forty-five days is not one of the grace periods this section establishes for any premium mode.
Source: Miss. Code Ann. § 83-9-5
Under Miss. Code Ann. § 83-9-5, what grace period applies to a life insurance policy on which premiums are paid monthly?
A. 31 days
B. 10 days
C. 7 days
D. 20 days
Show answer and reasoning

Correct answer: B. 10 days

Correct. Miss. Code Ann. § 83-9-5 grants a 10-day grace period for monthly premium policies.

  • A: Incorrect. Thirty-one days is the grace period this section grants for premium modes other than weekly or monthly.
  • C: Incorrect. Seven days is the grace period this section grants for weekly premium policies, not monthly policies.
  • D: Incorrect. Twenty days does not match any of the three grace periods this section sets.
Source: Miss. Code Ann. § 83-9-5
Under Miss. Code Ann. § 83-9-5, what grace period applies to a life insurance policy on which premiums are paid weekly?
A. 31 days
B. 10 days
C. 7 days
D. 14 days
Show answer and reasoning

Correct answer: C. 7 days

Correct. Miss. Code Ann. § 83-9-5 grants a 7-day grace period for weekly premium policies.

  • A: Incorrect. Thirty-one days is the grace period for premium modes other than weekly or monthly, not for weekly policies.
  • B: Incorrect. Ten days is the grace period for monthly premium policies, not weekly policies.
  • D: Incorrect. Fourteen days does not match any of the three grace periods this section sets.
Source: Miss. Code Ann. § 83-9-5
Which Mississippi Administrative Code chapter imposes specific duties on producers and insurers when a life insurance or annuity sale involves the replacement of an existing policy?
A. 19 Miss. Admin. Code Pt. 1, Ch. 1 — the Twisting rule
B. 19 Miss. Admin. Code Pt. 2, Ch. 18 — the Suitability in Annuity Transactions Regulation
C. 19 Miss. Admin. Code Pt. 3, Ch. 10 — the Medicare Supplement rule
D. 19 Miss. Admin. Code Pt. 2, Ch. 14 — the Life Insurance and Annuities Replacement Regulation
Show answer and reasoning

Correct answer: D. 19 Miss. Admin. Code Pt. 2, Ch. 14 — the Life Insurance and Annuities Replacement Regulation

Correct. 19 Miss. Admin. Code Pt. 2, Ch. 14, the Life Insurance and Annuities Replacement Regulation, sets out the duties of producers and insurers when a sale involves replacing an existing life insurance policy or annuity.

  • A: Incorrect. The Twisting rule prohibits inducing a lapse or surrender through misrepresentation; it is not the chapter that sets replacement procedures and duties.
  • B: Incorrect. The Suitability in Annuity Transactions Regulation addresses best-interest recommendations, a related but distinct requirement from replacement handling duties.
  • C: Incorrect. The Medicare Supplement chapter governs an unrelated line of insurance.
Source: 19 Miss. Admin. Code Pt. 2, Ch. 14
What does 19 Miss. Admin. Code Pt. 1, Ch. 1 (Mississippi's "Twisting" rule) prohibit a producer from doing?
A. Inducing a policyholder to lapse, forfeit, or surrender an existing policy through misrepresentation in order to replace it with a new one
B. Charging a policy fee in excess of $25 on a term life policy
C. Selling annuities to any consumer under age 65
D. Offering a life insurance illustration that shows nonguaranteed values
Show answer and reasoning

Correct answer: A. Inducing a policyholder to lapse, forfeit, or surrender an existing policy through misrepresentation in order to replace it with a new one

Correct. Mississippi's Twisting rule, 19 Miss. Admin. Code Pt. 1, Ch. 1, prohibits inducing a policyholder to lapse, forfeit, or surrender an existing policy through misrepresentation in order to replace it with a new one.

  • B: Incorrect. This rule does not regulate policy fee amounts on term life policies.
  • C: Incorrect. This rule does not impose an age-based ban on annuity sales.
  • D: Incorrect. Showing nonguaranteed values in a compliant illustration is a separate topic governed by Mississippi's life insurance illustration regulation, not the Twisting rule.
Source: 19 Miss. Admin. Code Pt. 1, Ch. 1
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (MS)May 2025$47,930/yr

Frequently asked questions

Where can I take a free Mississippi Life Insurance practice exam online?
Right here. CertQuestUSA's free Mississippi Life Insurance practice exam online is a full 25-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 25-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Life Insurance Producer License (MS) practice test?
25 questions total, split into 3 full papers of 25 each with no repeats across papers.
What topics does the Life Insurance Producer License (MS) test cover?
14 domains, with the heaviest weight on annuity-suitability (12%), policy-grace-periods (12%), and life-replacement-regulation (8%).
Where do CertQuestUSA's Life Insurance Producer License (MS) questions come from?
Primarily Miss. Code Ann. (62%) and 19 Miss. Admin. Code Pt. (33%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life Insurance Producer License (MS) practice test?
Yes -- one full 25-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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