Do You Need Fingerprints for a Mississippi Life Insurance License?

Short Answer

Yes. Mississippi requires applicants for a life insurance license to provide a biometric fingerprint card as part of the background check mandated by the Department of Insurance.

Why Fingerprints Are Required

The Mississippi Department of Insurance (MDI) follows federal regulations that mandate a background check for all insurance licensees. Fingerprints are used to screen for criminal history, ensuring that individuals who sell or advise on life insurance products meet the state's integrity standards.

How the Fingerprint Process Works

Step 1: Obtain a Fingerprint Card

Applicants must complete a state‑approved fingerprint card (Form 101). The card can be completed at:

• Local police stations
• Licensed private fingerprinting agencies
• Some MDI‑approved facilities

Step 2: Submit the Card with Your Application

When filing the application for a life insurance license (Form 110), attach the completed fingerprint card. The card must be in the same submission envelope and must not be expired.

Step 3: MDI Processing

MDI forwards the fingerprints to the FBI for a background check. Results are returned within 4–6 weeks. If the check is cleared, your license is issued; if not, you may be required to resolve any findings before proceeding.

What Happens if You Forget

Missing the fingerprint card will delay the application. MDI will send a notice and allow a short grace period, but the license cannot be issued until fingerprints are received and processed.

Common Mistakes to Avoid

• Using an expired fingerprint card
• Submitting a card that is not fully inked or has smudges
• Failing to keep a copy of the completed card for your records

Timing and Fees

The fingerprinting fee is typically $25–$40, depending on the provider. The entire licensing process, including fingerprint submission and background check, usually takes 6–8 weeks from application filing.

FAQs

Do I need fingerprints if I'm renewing an existing license?

No, renewals do not require fingerprints unless you are changing your personal information or the MDI updates its requirements.

Can I use an online fingerprint service?

Only services approved by MDI are acceptable. Verify the provider's approval status before proceeding.

What if I'm a foreign national?

Foreign nationals must still submit fingerprints and meet all state and federal background check requirements.

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