- MS-PC (InsMS-PC06) is Mississippi's Property & Casualty Insurance Producer Exam, administered by Pearson VUE for the state insurance department.
- The exam has 90 scored and 10 unscored questions, runs 2 hours 30 minutes, and requires a 70% passing score.
- You need 40 hours of prelicensing education-20 property, 20 casualty-and must be at least 18 before testing.
- The exam costs $50 and can be taken at a Pearson VUE center or via OnVUE online proctoring.
What Is the MS-PC Exam?
The MS-PC exam is the Mississippi Property & Casualty Insurance Producer Exam-the state licensing test that anyone who wants to sell property and casualty insurance in Mississippi must pass. It is administered on behalf of the Mississippi Insurance Department by Pearson VUE under exam code InsMS-PC06. Passing MS-PC is not an optional professional add-on; it is the legal gateway to holding a resident property and casualty producer license in the state.
Unlike voluntary industry designations, MS-PC is a regulatory exam. Its content outline, currently effective June 7, 2022, is built around Mississippi statutes, standard property and casualty contract language, and the terminology producers use daily when writing homeowners, auto, commercial property, and liability business. If you're just starting to research this credential, our overview at What Is MS-PC? and the companion piece MS-PC Meaning cover the naming and scope in more detail.
Who Actually Needs to Take the MS-PC?
Anyone pursuing a career as a property and casualty insurance producer in Mississippi needs to pass this exam. That includes candidates hired by independent agencies, captive agency employees at carriers writing homeowners and auto business, commercial lines producers at brokerages, and individuals launching their own agency. Insurers and agencies operating in Mississippi routinely require a valid resident P&C license before a new hire can quote, bind, or sell policies, which means MS-PC sits at the very front of the hiring pipeline for these roles.
If you're evaluating whether this path fits your career plans, the analysis in Is the MS-PC Certification Worth It? Complete ROI Analysis 2026 and the market overview in MS-PC Jobs are useful next reads. For compensation expectations tied to licensed producer roles, see MS-PC Salary Guide 2026: Complete Earnings Analysis.
Exam Format, Fees, and Registration Mechanics
The mechanics of MS-PC are straightforward but worth knowing precisely before you schedule a seat.
- Exam code: InsMS-PC06
- Cost: $50 per attempt
- Question count: 90 scored multiple-choice questions plus 10 unscored pretest questions (100 total on screen, but only 90 count toward your score)
- Time limit: 2 hours 30 minutes
- Passing score: 70%
- Testing options: In person at a Pearson VUE test center, or remotely via OnVUE online proctoring
One detail candidates frequently overlook: if you test online through OnVUE, you're limited to two attempts per exam, and you must wait 14 days before scheduling a second online attempt. This wait period doesn't apply the same way to in-person testing, so if you're worried about needing a quick retake, it's worth planning your testing method accordingly. For a full walkthrough of every fee and cost consideration, including retake pricing, see MS-PC Certification Cost 2026: Complete Pricing Breakdown.
Because unscored pretest questions are mixed in with scored ones and you can't tell them apart during the test, treat every question on screen as if it counts. This is a common source of confusion for first-time candidates, and it's one reason the exam feels longer and more demanding than the 90-question scored count alone suggests.
Key Takeaway
Budget for the possibility of a retake by understanding the OnVUE two-attempt limit and 14-day wait before you schedule-choosing an in-person Pearson VUE center may give you more scheduling flexibility if a retake becomes necessary.
The 7 Content Domains Explained
MS-PC content is organized into seven domains, each weighted by the number of scored questions assigned to it. Knowing these weights lets you prioritize study time realistically instead of spreading effort evenly across topics that don't carry equal weight on test day.
| Domain | Weight |
|---|---|
| 1. Types of Property Policies | 16.67% |
| 2. Property Insurance Terms and Related Concepts | 12.22% |
| 3. Property Policy Provisions and Contract Law | 10.00% |
| 4. Types of Casualty Policies, Bonds, and Related Terms | 17.78% |
| 5. Casualty Insurance Terms and Related Concepts | 12.22% |
| 6. Casualty Policy Provisions | 8.89% |
| 7. Mississippi Property and Casualty Insurance Laws | 22.22% |
Domain 7: Mississippi Property and Casualty Insurance Laws (22.22%)
This is the largest single domain and deserves the most dedicated study time. It covers state-specific licensing rules, producer duties, unfair trade practices, and regulatory requirements unique to Mississippi rather than generic industry knowledge.
- Producer licensing and appointment rules under Mississippi statute
- Unfair claims settlement and trade practices provisions
- Required disclosures and record-keeping obligations
Domain 4: Types of Casualty Policies, Bonds, and Related Terms (17.78%)
The second-heaviest domain, covering the breadth of casualty products producers must be able to explain and sell.
- Auto, general liability, workers compensation, and umbrella coverage structures
- Surety and fidelity bond distinctions
- Endorsements and exclusions common to casualty forms
Domain 1: Types of Property Policies (16.67%)
Covers homeowners, dwelling, commercial property, and inland marine forms, along with how coverage differs across policy types.
- HO forms and their coverage variations
- Commercial property policy structures
- Named-peril versus open-peril coverage distinctions
The remaining four domains-Property Insurance Terms, Property Policy Provisions and Contract Law, Casualty Insurance Terms, and Casualty Policy Provisions-together account for a substantial share of the exam and focus on vocabulary, contract law principles, and provisions like subrogation, coinsurance, and conditions of coverage. For a domain-by-domain breakdown with more granular subtopics, read MS-PC Exam Domains 2026: Complete Guide to All 7 Content Areas.
Eligibility and Prelicensing Requirements
Before you can sit for InsMS-PC06, Mississippi requires two baseline conditions:
- Minimum age: You must be at least 18 years old.
- Prelicensing education: 40 hours total, split evenly-20 hours in property topics and 20 hours in casualty topics-completed through approved coursework before you're eligible to test.
This split matters for how you plan your study sequence: the education hours mirror the exam's own property/casualty structure, so the coursework you complete for licensing eligibility should map directly onto the domains you'll be tested on. A full breakdown of every prerequisite, including documentation and timing, is available at MS-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
After You Pass: Licensing and Renewal
Passing InsMS-PC06 is a milestone, not a finish line. Once you pass, you complete the licensing application process with the Mississippi Insurance Department to receive your producer license. From there, license maintenance follows a biennial renewal cycle requiring 24 continuing education hours, including 3 hours of ethics content, every renewal period.
This renewal cadence is worth planning for early-many producers treat their first license year as the time to build CE habits rather than scrambling before a renewal deadline. If you're mapping out your testing timeline alongside these longer-term obligations, MS-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling walks through scheduling considerations in more depth.
A Domain-Aware Way to Prepare
Generic study advice-flashcards, timed drills, spaced review-only helps if it's pointed at the right material in the right order. Because Domain 7 (Mississippi laws) and Domain 4 (casualty policy types) together make up nearly 40% of your scored questions, your preparation schedule should weight those two areas heaviest, not treat all seven domains as equal.
Property Foundations
- Study Domain 1 (Types of Property Policies) and Domain 2 (Property Terms)
- Build a glossary of property contract vocabulary
Casualty Foundations
- Cover Domain 4 (Casualty Policies, Bonds) and Domain 5 (Casualty Terms) given their combined weight
- Compare property vs. casualty provisions side by side
Provisions and Contract Law
- Work through Domain 3 (Property Provisions/Contract Law) and Domain 6 (Casualty Provisions)
- Drill on subrogation, coinsurance, and conditions
Mississippi Law Deep Dive and Review
- Focus heavily on Domain 7 given its 22.22% weight
- Take full-length timed practice sessions under the 2 hour 30 minute limit
For a structured, day-by-day study plan built around this exact domain weighting, see MS-PC Study Guide 2026: How to Pass on Your First Attempt. If you want a candid assessment of how challenging candidates typically find the material, How Hard Is the MS-PC Exam? Complete Difficulty Guide 2026 and MS-PC Pass Rate 2026: What the Data Shows are worth reviewing before you commit to a test date. Practicing under realistic, timed conditions on our practice test platform before exam day is one of the most reliable ways to confirm you're ready for the full 100-question format.
Key Takeaway
Spend proportionally more time on Domain 7 (22.22%) and Domain 4 (17.78%) than on lighter domains like Domain 6 (8.89%)-your study hours should mirror the exam's actual scoring weight, not an even split across all seven areas.
Frequently Asked Questions
MS-PC stands for the Mississippi Property & Casualty Insurance Producer Exam, the state licensing test administered by Pearson VUE for the Mississippi Insurance Department. For more on the terminology, see What Does MS-PC Stand For? and What Does MS-PC Mean?
The exam includes 90 scored questions plus 10 unscored pretest questions, for 100 total multiple-choice items, within a 2 hour 30 minute time limit.
You need to score at least 70% on the scored portion of the exam, which is based on 90 scored questions.
Yes, testing is available through OnVUE online proctoring as well as at physical Pearson VUE test centers. Online candidates are limited to two attempts, with a 14-day wait required before a second online attempt.
Candidates must complete 40 hours of approved prelicensing education-20 hours covering property topics and 20 hours covering casualty topics-and be at least 18 years old before scheduling the exam.