Personal Lines Producer — Information & Free Practice
US-MS · Examination information
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Personal Lines Producer
- Provider
- Pearson VUE
- Format
- Written licensing examination; test centre or online delivery
- Exam questions
- 75 scored questions
- Time limit
- 120 minutes
- Passing score
- 70%
- Exam fee
- $50
Examination outline
I. TYPES OF PROPERTY POLICIES
- Homeowners
- Homeowners > HO-2
- Homeowners > HO-3
- Homeowners > HO-4
- Homeowners > HO-5
- Homeowners > HO-6
- Homeowners > HO-8
- Dwelling policies
- Dwelling policies > DP-1
- Dwelling policies > DP-2
- Dwelling policies > DP-3
- Inland marine
- Inland marine > Personal Articles floaters
- National Flood Insurance Program
- Others
- Others > Earthquake
- Others > Mobile Homes
- Others > Watercraft
- Others > Windstorm
II. TYPES OF CASUALTY POLICIES
- Automobile: personal auto
- Automobile: personal auto > Liability
- Automobile: personal auto > Liability > Bodily Injury
- Automobile: personal auto > Liability > Property Damage
- Automobile: personal auto > Liability > Split Limits
- Automobile: personal auto > Liability > Combined Single Limit
- Automobile: personal auto > Medical Payments
- Automobile: personal auto > Physical Damage (collision; other than collision; specified perils)
- Automobile: personal auto > Uninsured motorists
- Automobile: personal auto > Underinsured motorists
- Automobile: personal auto > Who is an insured
- Automobile: personal auto > Types of Auto
- Automobile: personal auto > Types of Auto > Owned
- Automobile: personal auto > Types of Auto > Non-owned
- Automobile: personal auto > Types of Auto > Hired
- Automobile: personal auto > Types of Auto > Temporary Substitute
- Automobile: personal auto > Types of Auto > Newly Acquired Autos
- Automobile: personal auto > Types of Auto > Transportation Expense and Rental Reimbursement Expense
- Automobile: personal auto > Exclusions
- Umbrella/Excess liability
III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS
- Insurance
- Insurance > Law of Large Numbers
- Insurable interest
- Risk
- Risk > Pure vs. Speculative Risk
- Hazard
- Hazard > Moral
- Hazard > Morale
- Hazard > Physical
- Peril
- Loss
- Loss > Direct
- Loss > Indirect
- Loss Valuation
- Loss Valuation > Actual cash value
- Loss Valuation > Replacement cost
- Loss Valuation > Market value
- Loss Valuation > Stated value
- Loss Valuation > Salvage value
- Proximate cause
- Deductible
- Indemnity
- Limits of liability
- Coinsurance/Insurance to value
- Occurrence
- Cancellation
- Nonrenewal
- Vacancy and unoccupancy
- Liability
- Liability > Absolute
- Liability > Strict
- Liability > Vicarious
- Negligence
- Binder
- Endorsements
- Blanket vs. Specific
- Burglary, Robbery, Theft, and Mysterious Disappearance
- Warranties
- Representations
- Concealment
- Deposit Premium/Audit
- Certificate of Insurance
- Damages
- Damages > Compensatory
- Damages > Compensatory > General
- Damages > Compensatory > Special
- Damages > Punitive
- Compliance with Provisions of Fair Credit Reporting Act
IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW
- Declarations
- Insuring agreement
- Conditions
- Exclusions
- Definition of the insured
- Duties of the insured after a loss
- Obligations of the insurance company
- Mortgagee rights
- Proof of loss
- Notice of claim
- Appraisal
- Other Insurance Provision
- Subrogation
- Elements of a contract
- Sources of underwriting information
- Fair Credit Reporting Act
- Privacy Protection (Gramm Leach Bliley)
- Policy Application
- Terrorism Risk Insurance Act (TRIA)
- Cancellation and nonrenewal provisions
- Supplementary payments
- Loss settlement provisions including consent to settle a loss
- Territory
V. Mississippi Personal Lines Insurance Laws
- Commissioner
- Commissioner > Broad Powers
- Commissioner > Examination of Records
- Commissioner > Notice of hearing
- Commissioner > Rates and Forms
- Commissioner > Penalties
- Commissioner > Unlicensed activities
- Terms and concepts
- Terms and concepts > Insurer
- Terms and concepts > Insurance transaction
- Terms and concepts > Admitted and Non-admitted insurers
- Terms and concepts > Domestic, foreign and alien Insurers; certificate of authority
- Terms and concepts > Mississippi Insurance Guaranty Association
- Terms and concepts > Mississippi State Rating Bureau
- Terms and concepts > Mississippi Residential Property Insurance Underwriting Association
- Terms and concepts > Mississippi Windstorm Underwriting Association
- Terms and concepts > Valued Policy
- Licensing
- Licensing > Persons required to be licensed
- Licensing > Persons required to be licensed > Insurance Producer
- Licensing > Persons required to be licensed > Insurance Adjuster
- Licensing > Persons required to be licensed > Resident/non-resident
- Licensing > Persons required to be licensed > Exemptions
- Licensing > Appointments/Termination of Appointments
- Licensing > Penalties for noncompliance
- Licensing > Penalties for noncompliance > Refusal/nonrenewal
- Licensing > Penalties for noncompliance > Suspension/revocation
- Licensing > Penalties for noncompliance > Administrative fines
- Licensing > Maintenance and duration of license
- Licensing > Maintenance and duration of license > Renewal
- Licensing > Maintenance and duration of license > Continuing Education
- Licensing > Maintenance and duration of license > Notify Commissioner of Change in Address
- Licensing > Maintenance and duration of license > Report Administrative or Criminal Action
- Marketing Practices
- Marketing Practices > Protection of public interest
- Marketing Practices > Unfair Practices
- Marketing Practices > Unfair Practices > Unfair claims methods and trade practices
- Marketing Practices > Unfair Practices > Producer’s Compensation Disclosure
- Marketing Practices > Unfair Practices > Rebating/illegal dealing in premiums
- Marketing Practices > Unfair Practices > Illegal inducements
- Marketing Practices > Unfair Practices > Twisting
- Marketing Practices > Unfair Practices > Misrepresentation
- Marketing Practices > Unfair Practices > Credit Scoring Adverse-Action
- Marketing Practices > Unfair Practices > Defamation
- Marketing Practices > Unfair Practices > Discrimination
- Marketing Practices > Unfair Practices > Failure to issue proper receipts
- Marketing Practices > Unfair Practices > Cease and desist
- Marketing Practices > Unfair Practices > Advertising
- Marketing Practices > Unfair Practices > Fraud
- Marketing Practices > Producer responsibilities
- Marketing Practices > Producer responsibilities > Policy deliveries
- Marketing Practices > Producer responsibilities > Premium accountability (e.g. fiduciary responsibility)
- Marketing Practices > Producer responsibilities > Separate Account Requirement
- Marketing Practices > Producer responsibilities > Reply to the Insurance Commissioner
- Marketing Practices > Producer responsibilities > Burden of determining authorization
- Marketing Practices > Compensation
- Marketing Practices > Compensation > Payment of commissions
- Marketing Practices > Compensation > Duly licensed producer
- Marketing Practices > Compensation > Referral Fee
- Marketing Practices > Compensation > Controlled Business
- Cancellation/Nonrenewal
- Cancellation/Nonrenewal > Property policies
- Cancellation/Nonrenewal > Property policies > Personal Lines
- Cancellation/Nonrenewal > Property policies > Personal Lines > Homeowners
- Cancellation/Nonrenewal > Property policies > Personal Lines > Automobile
- Cancellation/Nonrenewal > Proof of Notice
- Applications and Binders
- Applications and Binders > Binding coverage
- Automobile
- Automobile > Financial Responsibility
- Automobile > Uninsured/Underinsured motorist
Examination sources
- Pearson VUE Mississippi Insurance Examination Content Outlines
Page 15, Personal Lines Producer heading
- Pearson VUE Mississippi Insurance Examination Content Outlines
Personal Lines outline pages 15-17, section I
- Pearson VUE Mississippi Insurance Examination Content Outlines
Personal Lines outline pages 15-17, section II
- Pearson VUE Mississippi Insurance Examination Content Outlines
Personal Lines outline pages 15-17, section III
- Pearson VUE Mississippi Insurance Examination Content Outlines
Personal Lines outline pages 15-17, section IV
- Pearson VUE Mississippi Insurance Examination Content Outlines
Personal Lines outline pages 15-17, section V
- Pearson VUE Mississippi Insurance Examination Content Outlines
Page 15 footer, Personal Lines outline effective date
- Pearson VUE Mississippi Insurance Examination Content Outlines
Page 15, Personal Lines Producer scored-question heading
- Pearson VUE Mississippi Insurance Candidate Handbook
Page 11, Score Explanation
- Mississippi Legislature HB 1332 (2026)
Section 1, 83-17-59(1), page 1 lines 10-18
- Pearson VUE Mississippi Insurance Candidate Handbook
Page 7, Examination offerings, InsMS-Pers55 row
- Pearson VUE Mississippi Insurance Candidate Handbook
Page 4, Licenses that require examinations, Personal Lines Producer row
Related license preparation
This examination may be required or accepted as an alternative, depending on the license and application pathway.