Massachusetts

Massachusetts Insurance Prelicensing Requirements
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How to Obtain a Massachusetts Insurance License

The Massachusetts Division of Insurance requires all individuals selling insurance to obtain a valid insurance producer license. This guide outlines the step-by-step process for obtaining your Massachusetts insurance license.

Step 1: Complete a Prelicensing Course

To sell insurance in Massachusetts, you must pass a licensing exam. To prepare, it is recommended that you complete a prelicensing education course approved by the Massachusetts Division of Insurance.

We offer online courses that can be supplemented with webinars, flashcards, and study manuals to help you pass the exam on your first attempt.

Step 2: Schedule and Pass the Licensing Exam

Once you complete your prelicensing education, you must pass the Massachusetts state insurance licensing exam.

Exam Details:

  • Register through Prometric at www.prometric.com.
  • Exams are multiple-choice and require a 70% or higher to pass.
  • A valid government-issued photo ID is required for testing.
  • Exams may be taken in-person at a Prometric testing center or remotely through ProProctor (for single-line exams only).
  • If you fail, you may reschedule immediately.

Exam Duration & Question Format:

Exam TypeTime LimitNumber of Questions
Life Producer Exam2 hours105
Accident & Health Producer Exam2 hours105
Property Producer Exam2 hours105
Casualty Producer Exam2 hours105
Personal Lines Producer Exam2 hours105
Life Adviser Exam2 hours105
Accident & Health Adviser Exam2 hours105
Property & Casualty Adviser Exam2.5 hours155
Public Adjuster Exam2 hours105

Step 3: Apply for Your Insurance License

After passing your exam, submit your license application through the National Insurance Producer Registry (NIPR).

Application Process:

  • Apply online at www.nipr.com.
  • Pay the required application fee.
  • Once approved, you can view and print your license online.

Step 4: Maintain Your License with Continuing Education (CE)

To keep your Massachusetts insurance license active, you must complete continuing education (CE) every three years.

CE Requirements:

  • 60 hours of CE for the first renewal cycle.
  • 45 hours of CE for each renewal cycle thereafter.
  • Includes 3 hours of ethics training.
  • Additional CE requirements apply for those selling long-term care (LTC) and annuities.
  • Nonresident producers must meet their home state’s CE requirements.
  • If CE requirements are not met, your license will lapse.

Visit the Massachusetts Division of Insurance website for the most up-to-date CE guidelines.

Frequently Asked Questions (FAQs)

Where will I take the state exam?

  • Remote exams are only available for single-line Life, Accident & Health, Property, and Casualty Producer exams.
  • Combination exams must be taken in-person at a Prometric testing center.

How do I schedule my exam?

  • Schedule online at www.prometric.com.
  • Exam fees must be paid at the time of reservation.

How should I prepare for my remote exam?

  • Run the system check to test computer, webcam, and microphone compatibility.
  • Download ProProctor at least 24 hours before the exam.
  • Log in 15 minutes before your exam time.
  • Remote proctoring requires you to be alone in a private room.
  • Food, gum, tobacco, phones, and watches are prohibited.

What happens if I fail my exam?

  • You can log into Prometric to review your diagnostic report.
  • You may reschedule immediately.

What is the format of the state exam?

  • Computer-based, multiple-choice format.
  • Covers general insurance product knowledge and Massachusetts-specific insurance laws.
  • Practice exams are highly recommended.

What score do I need to pass?

  • A minimum passing score of 70% is required.
  • Results are provided immediately after completion.

Contact Information

Massachusetts Division of Insurance:

National Insurance Producer Registry (NIPR):

Prometric Testing Provider:

Start Your Insurance Prelicensing Training

Take the first step toward your Massachusetts insurance career today. Enroll in an approved prelicensing course to begin your journey!

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Disclaimer

The information provided here is based on current Massachusetts regulations but may be subject to updates. We strive for accuracy but recommend verifying details with the Massachusetts Division of Insurance for the latest licensing requirements.