- The MSLH exam (InsMS-LAH05) has 125 questions - 115 scored, 10 unscored pretest - in 150 minutes.
- You need a 65% passing score, and the exam costs $50 through Pearson VUE.
- Content spans 10 domains covering life, health, and Mississippi-specific insurance law.
- Failed attempts require only a 1-day wait before rescheduling - but treat every sitting as final.
Exam Snapshot: The Numbers You Must Know
Before you memorize a single provision or rider, lock in the operational facts of the Mississippi Life & Health Insurance Producer Exam. These numbers dictate your pacing strategy on test day and shouldn't be a surprise when you sit down at the Pearson VUE workstation.
| Detail | Value |
|---|---|
| Exam code | InsMS-LAH05 |
| Governing body | Mississippi Insurance Department |
| Testing provider | Pearson VUE |
| Total questions | 125 (115 scored / 10 unscored pretest) |
| Time limit | 150 minutes |
| Passing score | 65% |
| Fee | $50 |
| Delivery options | Test center or OnVUE online |
| Retake wait period | 1 day |
For a deeper breakdown of how that $50 fits into your total licensing budget, see the MSLH Certification Cost 2026: Complete Pricing Breakdown. And if you want to know exactly how the 65% threshold is calculated against the 115 scored items, the MSLH Passing Score 2026: Exactly What You Need to Pass guide walks through it question by question.
Domain-by-Domain Cheat Sheet
The current combined outline, effective June 7, 2022, organizes the exam into 10 domains. Domain weights are derived from the official scored-question counts, meaning some domains simply carry more questions than others. Treat this list as your master checklist - if you can explain each domain name out loud without hesitation, you're on track.
Domain 1: Types of Life Policies
Covers term, whole, universal, and variable life products and how they differ structurally.
- Know the mechanics of level term vs. decreasing term
- Understand cash value accumulation differences across permanent products
Domain 2: Life Policy Riders, Provisions, Options, and Exclusions
Tests your grasp of add-ons and built-in contract language that modify base coverage.
- Waiver of premium, accidental death, and guaranteed insurability riders
- Standard exclusions like suicide and war clauses
Domain 3: Completing the Application, Underwriting, and Delivering Life Policies
Focuses on the procedural side - from application intake to policy delivery.
- Underwriting classifications and risk selection
- Free-look period mechanics and delivery requirements
Domain 4: Retirement and Other Life Insurance Concepts
Blends life insurance with retirement-planning vehicles.
- Annuity structures and settlement options
- How life insurance interacts with qualified and nonqualified plans
Domain 5: Types of Accident and Health Policies
Introduces the health-insurance side of the combined exam.
- Individual, group, and disability income policy structures
- Long-term care and specified-disease policy basics
Domain 6: Health Provisions, Clauses, and Riders
Parallels Domain 2 but for health contracts.
- Mandatory vs. optional policy provisions
- Coordination of benefits and pre-existing condition clauses
Domain 7: Social Insurance
Covers government-administered programs candidates must be able to distinguish from private coverage.
- Medicare Parts A, B, C, and D fundamentals
- Medicaid eligibility basics and Social Security disability concepts
Domain 8: Other Accident and Health Insurance Concepts
A catch-all domain for concepts that don't fit neatly under provisions or social insurance.
- Managed care structures like HMOs and PPOs
- Taxation of health insurance premiums and benefits
Domain 9: Field Underwriting Procedures
Tests the producer's on-the-ground responsibilities before a policy is issued.
- Replacement regulations and required disclosures
- Producer's role in accurately representing the application
Domain 10: Mississippi Life and Health Insurance Laws
State-specific statutes and Mississippi Insurance Department requirements every producer must know cold.
- Licensing, appointment, and continuing education rules
- Unfair trade practices and penalties under Mississippi law
For a full explanation of how these 10 domains fit together conceptually - not just a list - read the MSLH Exam Domains 2026: Complete Guide to All 10 Content Areas. If you're still deciding how tough this content actually feels to a first-time candidate, the How Hard Is the MSLH Exam? Complete Difficulty Guide 2026 article breaks down where most candidates get stuck.
Registration and Test-Day Facts
The InsMS-LAH05 exam is scheduled and delivered through Pearson VUE, giving you two format choices: an in-person test center or the OnVUE remote-proctoring option. Both formats use the same 125-question, 150-minute structure, so pick based on your comfort with remote testing environments rather than any difference in content.
- The exam fee is $50, paid at the time of scheduling.
- You have 150 minutes to complete all 125 questions - that's roughly 72 seconds per question if you split time evenly, though you should move faster on the easy items to bank time for scenario-based ones.
- A passing score is 65%, calculated against the 115 scored questions only.
- If you don't pass, Mississippi requires just a 1-day wait before you can schedule a reexamination - but a fresh attempt still costs another $50, so treat every sitting seriously.
Before you book anything, confirm you meet the state's prerequisites - pre-licensing education, background checks, and application steps are covered in detail in the MSLH Requirements 2026: Eligibility, Prerequisites & How to Qualify guide. For scheduling windows and how far in advance you should book your Pearson VUE slot, check the MSLH Exam Dates 2026: Testing Windows, Deadlines & Scheduling article.
Key Takeaway
Because the retake wait is only 1 day, some candidates treat the first attempt casually. Don't. Every attempt costs $50 and consumes calendar time you could spend building a career - prepare as if there's no second try.
High-Yield Topics Inside Each Domain
Not every line item in the outline carries equal exam weight, and since domain weights are calculated from scored-question counts, some domains will simply show up more often than others. Rather than guessing, build your review around the topics that repeatedly trip up candidates across the life-and-health content blend.
Life Insurance Mechanics (Domains 1-4)
Expect application-style questions that ask you to identify which policy type fits a described scenario, or which rider solves a stated problem. Memorizing definitions in isolation won't be enough - you need to recognize them embedded in a client situation.
Health Insurance Mechanics (Domains 5-8)
This half of the outline tests provisions, managed-care structures, and government programs like Medicare and Medicaid. Candidates who only studied life insurance products often underestimate how much of the exam draws from this side.
Procedures and Mississippi Law (Domains 9-10)
Field underwriting procedures and Mississippi-specific statutes close out the outline. These domains reward candidates who read the state handbook closely rather than relying on generic national insurance knowledge - Mississippi's licensing, appointment, and unfair-practice rules have their own specifics.
Final-Week Review Plan
With 10 domains to revisit, a structured final stretch beats random re-reading. This short timeline assumes you've already completed your primary coursework and are consolidating before test day.
Life Insurance Core (Domains 1-4)
- Drill policy types, riders, and underwriting procedures
- Take a domain-specific practice set and log missed concepts
Health Insurance Core (Domains 5-8)
- Review provisions, clauses, and social insurance programs
- Focus extra time on Medicare/Medicaid distinctions, a frequent weak spot
Procedures and Mississippi Law (Domains 9-10)
- Study field underwriting rules and state-specific statutes
- Cross-reference the Mississippi Insurance Department's own bulletins
Full-Length Simulation
- Take timed, 125-question practice exams under the 150-minute limit
- Rebuild pacing so no domain gets rushed on test day
If you want a more detailed walkthrough of pacing strategy and week-by-week task lists, the MSLH Study Guide 2026: How to Pass on Your First Attempt expands on this exact framework. And once you've run a few full-length simulations on our practice test platform, you'll have a realistic sense of where your score would land under real exam conditions.
Common Last-Minute Mistakes
- Skipping the unscored-question mindset: Since 10 of 125 questions are unscored pretest items, don't waste mental energy trying to spot them - answer every question as if it counts.
- Ignoring Mississippi-specific law: Domain 10 covers state statutes that differ from generic national insurance knowledge. Generic prep alone will leave gaps here.
- Overloading on life insurance, under-preparing health: The outline splits attention across both lines. Health provisions and social insurance (Domains 5-7) deserve equal review time.
- Misjudging the 150-minute clock: With 125 questions to answer, losing focus on a handful of hard items can cascade into rushed answers later in the exam.
- Treating a fail as low-stakes: The 1-day retake wait is short, but each attempt still costs $50 and delays your ability to start working under a license.
If you're still weighing whether the licensing investment makes sense for your career plans, the Is the MSLH Certification Worth It? Complete ROI Analysis 2026 article and the MSLH Salary Guide 2026: Complete Earnings Analysis give context on what licensed producers typically pursue after passing. For a broader look at outcomes among past candidates, see the MSLH Pass Rate 2026: What the Data Shows breakdown.
Key Takeaway
Print or save this cheat sheet and review it the morning of your Pearson VUE appointment - a quick pass over all 10 domain names and the core numbers (125 questions, 150 minutes, 65% passing) primes your recall better than cramming new material at the last minute.
Frequently Asked Questions
The InsMS-LAH05 exam has 125 total multiple-choice questions: 115 are scored and 10 are unscored pretest items you can't identify during the test.
You need a 65% passing score, calculated from the 115 scored questions on the exam.
The exam fee is $50, and it is administered by Pearson VUE on behalf of the Mississippi Insurance Department, available at test centers or via OnVUE online proctoring.
Candidates who don't pass must wait just 1 day before scheduling a reexamination, though each new attempt requires paying the $50 fee again.
There are 10 domains, spanning life policy types, riders, underwriting, retirement concepts, health policy types and provisions, social insurance, field underwriting, and Mississippi-specific insurance law under the outline effective June 7, 2022.