- Exam InsMS-PC06 has 90 scored questions plus 10 unscored pretest items, 2.5 hours, 70% to pass.
- Mississippi Property and Casualty Insurance Laws is the largest domain at 22.22% of scored content.
- You need 40 hours of prelicensing education (20 property, 20 casualty) before you can even schedule.
- Online (OnVUE) candidates get only two attempts, with a mandatory 14-day wait before attempt two.
Exam Mechanics at a Glance
Before you memorize a single policy provision, lock in the logistics. The Mississippi Property & Casualty Insurance Producer Exam is administered on behalf of the Mississippi Insurance Department by Pearson VUE under exam code InsMS-PC06. Knowing the shape of the test - not just its content - is half the battle, and it's the part most candidates skim past.
- Fee: $50 per attempt
- Format: 90 scored multiple-choice questions + 10 unscored pretest questions (100 total on screen, indistinguishable from each other)
- Time limit: 2 hours 30 minutes
- Passing score: 70%
- Minimum age: 18
- Prelicensing education: 40 hours total - 20 hours property, 20 hours casualty
- Testing venues: Pearson VUE test centers or OnVUE remote proctoring
For a deeper walkthrough of eligibility rules, including how the 40-hour prelicensing requirement is verified, see MS-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify. If you want the full breakdown of what the $50 fee does and doesn't cover, check MS-PC Certification Cost 2026: Complete Pricing Breakdown.
The Seven Domains, Ranked by Weight
The current content outline has been effective since June 7, 2022, and it splits the exam into seven domains across two content families - property and casualty - plus a standalone law domain. Domain weights are derived directly from the official scored-question counts, so treat this table as your master allocation plan.
| Domain | Weight | Approx. Scored Questions |
|---|---|---|
| 7. Mississippi Property and Casualty Insurance Laws | 22.22% | ~20 |
| 4. Types of Casualty Policies, Bonds, and Related Terms | 17.78% | ~16 |
| 1. Types of Property Policies | 16.67% | ~15 |
| 2. Property Insurance Terms and Related Concepts | 12.22% | ~11 |
| 5. Casualty Insurance Terms and Related Concepts | 12.22% | ~11 |
| 3. Property Policy Provisions and Contract Law | 10.00% | ~9 |
| 6. Casualty Policy Provisions | 8.89% | ~8 |
Notice that Domains 7, 4, and 1 together make up more than half the scored exam. If your remaining study hours are limited, that's where they go. For a full domain-by-domain walkthrough with sample topics, read MS-PC Exam Domains 2026: Complete Guide to All 7 Content Areas.
Property Domain Cheat Points
Property content spans three domains and just under 39% of the scored exam combined. Questions test whether you can distinguish policy types, define terms precisely, and apply provisions to claim scenarios - not just recite definitions.
Domain 1: Types of Property Policies (16.67%)
Candidates must be able to tell apart the major property forms and know which perils, exclusions, and structures apply to each.
- Dwelling policies vs. homeowners forms and their coverage differences
- Commercial property forms, including named-peril vs. open-peril structures
- Inland marine and flood coverage basics
Domain 2: Property Insurance Terms and Related Concepts (12.22%)
This domain rewards precise vocabulary - many wrong answers hinge on a candidate confusing similar-sounding terms.
- Actual cash value vs. replacement cost vs. functional replacement cost
- Coinsurance formulas and how underinsurance penalties are calculated
- Insurable interest, indemnity, and subrogation as applied to property claims
Domain 3: Property Policy Provisions and Contract Law (10.00%)
The smallest property domain but a common source of missed points because it blends contract law with policy mechanics.
- Conditions, warranties, and endorsements within a property contract
- Cancellation, nonrenewal, and reinstatement rules
- Elements of a valid insurance contract (offer, acceptance, consideration)
Casualty Domain Cheat Points
Casualty is the larger of the two families at nearly 39% combined, and Domain 4 alone outweighs every property domain except property policies. Producers licensed under this exam frequently end up writing both personal auto/liability lines and commercial casualty and bond products, so this content maps directly onto real job duties - a theme explored further in MS-PC Jobs.
Domain 4: Types of Casualty Policies, Bonds, and Related Terms (17.78%)
The single largest non-law domain. Expect heavy coverage of liability-based products and surety concepts.
- Personal auto, commercial auto, and umbrella/excess liability structures
- General liability forms: premises, products, completed operations
- Surety and fidelity bonds - how they differ from insurance
Domain 5: Casualty Insurance Terms and Related Concepts (12.22%)
Mirrors Domain 2 but for liability exposures - expect scenario questions on fault and negligence standards.
- Negligence elements: duty, breach, causation, damages
- Defenses to negligence: comparative and contributory negligence
- Vicarious liability and strict liability distinctions
Domain 6: Casualty Policy Provisions (8.89%)
The smallest domain overall but not one to skip - it's frequently tested through "which provision applies" scenario items.
- Supplementary payments and defense costs
- Other insurance and coordination-of-benefits clauses
- Policy period and territory limitations
Mississippi Law: The Domain That Decides Close Calls
Domain 7, Mississippi Property and Casualty Insurance Laws, is worth 22.22% - the single largest domain on the exam, larger than any individual property or casualty content domain. This is state-specific regulatory material, not generic insurance theory, and it cannot be learned by studying national insurance concepts alone.
- Producer licensing requirements, appointments, and renewal cycles
- Unfair trade practices and unfair claims settlement practices under Mississippi statute
- Insurer and producer responsibilities around disclosures, rebating, and twisting
- Continuing education obligations tied to license renewal
Key Takeaway
Because Domain 7 is nearly a quarter of your score, treat it as a standalone study block rather than a footnote at the end of your prep. Reviewing Mississippi statute language line-by-line pays off more than re-reading generic policy definitions you already know.
Remember that a passing producer license doesn't end your relationship with this material: license renewal happens biennially and requires 24 hours of continuing education, including 3 hours of ethics - so the regulatory concepts you cram now will resurface every renewal cycle.
Numbers Worth Memorizing Cold
These are the figures that show up in scheduling decisions, eligibility checks, and score interpretation - memorize them the way you'd memorize a policy definition.
| Fact | Value |
|---|---|
| Exam code | InsMS-PC06 |
| Exam fee | $50 |
| Scored questions | 90 |
| Unscored pretest questions | 10 |
| Time allowed | 2 hours 30 minutes |
| Passing score | 70% |
| Minimum age | 18 |
| Prelicensing hours (property / casualty) | 20 / 20 (40 total) |
| Online retest wait | 14 days |
| Online attempt cap | 2 attempts |
| CE per renewal cycle | 24 hours (3 ethics) |
| License renewal cycle | Biennial |
For a full explanation of how the 70% threshold translates into a raw-question target, see MS-PC Passing Score 2026: Exactly What You Need to Pass. For test scheduling windows and how to plan around the online retake wait, see MS-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling.
Final Review Schedule Before Test Day
If you've already completed your 40 hours of prelicensing education and you're in the last stretch before test day, allocate remaining review time proportionally to domain weight rather than evenly across all seven domains.
Law and Largest Casualty Domain
- Drill Mississippi Property and Casualty Insurance Laws (Domain 7) - the single biggest scoring block
- Review Types of Casualty Policies, Bonds, and Related Terms (Domain 4)
Property Policy Types and Terms
- Cover Types of Property Policies (Domain 1)
- Cross-review Property and Casualty Insurance Terms (Domains 2 and 5) together since concepts overlap
Provisions and Full Practice Runs
- Finish with Property Policy Provisions and Contract Law (Domain 3) and Casualty Policy Provisions (Domain 6)
- Run timed practice sets that mirror the 90-question, 150-minute format
This sequencing is only a starting point - for a fully paced multi-week plan matched to your available study hours, see MS-PC Study Guide 2026: How to Pass on Your First Attempt.
Common Last-Minute Mistakes
- Treating all domains equally. Domain 6 at 8.89% doesn't deserve the same hours as Domain 7 at 22.22%.
- Skipping state law until the end. Mississippi-specific statute content can't be inferred from general insurance knowledge, so it needs dedicated review time, not a quick skim.
- Ignoring the pretest questions. Since the 10 unscored pretest items are mixed in with the 90 scored ones and look identical, pacing must assume all 100 questions count.
- Underestimating the online retest rule. If you test via OnVUE and don't pass, you're locked out for 14 days and limited to one more attempt - build a buffer into your target test date.
- Confusing this MS-PC with unrelated credentials of the same acronym. Anything you study should map to the seven domains above, not to unrelated national certifications that happen to share initials.
If you're still deciding whether the licensing effort is worthwhile given your career goals, Is the MS-PC Certification Worth It? Complete ROI Analysis 2026 and MS-PC Salary Guide 2026: Complete Earnings Analysis walk through the bigger picture. For a candid read on overall difficulty relative to your study time, see How Hard Is the MS-PC Exam? Complete Difficulty Guide 2026, and if you want context on how other candidates have performed, review MS-PC Pass Rate 2026: What the Data Shows. You can also run full-length practice sessions on our practice test platform to simulate the timed 90-question format before test day.
FAQ
Of the 100 multiple-choice questions on screen, 90 are scored and 10 are unscored pretest questions used to evaluate future exam items. You cannot tell which is which, so every question should be treated as if it counts.
Mississippi Property and Casualty Insurance Laws (Domain 7) at 22.22% and Types of Casualty Policies, Bonds, and Related Terms (Domain 4) at 17.78% carry the most weight, followed by Types of Property Policies (Domain 1) at 16.67%.
Online candidates are limited to two attempts per exam and must wait 14 days after a failed first attempt before scheduling a second one. Plan your prep timeline with this wait period in mind.
Yes. The 40-hour prelicensing requirement is split evenly - 20 hours in property and 20 hours in casualty - matching the two content families tested across the seven exam domains.
No. Producer licenses renew biennially and require 24 continuing education hours per cycle, including 3 hours specifically in ethics, so ongoing study continues after licensure.