Massachusetts Producer Licensing Requirements

Massachusetts has specific requirements for obtaining Life and Health insurance licenses.

Pre-License Education Requirements

No Pre-License Education Required

Massachusetts does NOT require pre-license education for insurance licenses:

Key Points:

• Pursuant to state law (M.G.L. c. 175, §162L), pre-licensing education is no longer required
• You only need valid government-issued photo ID to take the exam
• Exam preparation courses are strongly recommended but not mandatory
• Most successful candidates complete a comprehensive study course

Exam Tip: While Massachusetts doesn't require pre-license education, the exam covers extensive material on insurance concepts, Massachusetts insurance law, and federal tax considerations. A quality exam prep course significantly increases your chances of passing.

Examination Requirements

The Massachusetts insurance licensing examination:

Exam Content

Massachusetts insurance exams cover:

1. General Insurance Concepts - Principles, terminology, and policy provisions
2. Life Insurance - Types, features, and policy options
3. Accident & Health Insurance - Individual and group health plans
4. Massachusetts Insurance Law - State-specific regulations
5. Federal Tax Considerations - Tax treatment of life insurance and annuities

Examination Process

Scheduling the Exam

1. Prepare using exam prep materials (strongly recommended)
2. Schedule exam through Prometric
   • Online at prometric.com/massachusetts/insurance
   • Phone: (800) 741-9380
3. Choose testing option:
   • Prometric testing center
   • Online proctored exam

Exam Day

What to Bring:

• Two forms of valid, government-issued ID
• One must contain your name AND photograph
• Acceptable: Driver's license, passport, military ID

Testing Rules:

• Arrive at least 30 minutes early
• No cell phones or electronic devices
• No personal items at testing station
• Calculator provided at testing center
• Results provided immediately after completion

Retake Policy

• No limit on exam retakes
• Can retake as soon as 24 hours after failed attempt
• Must pay full exam fee for each attempt
• No waiting period required

Application Process

After passing the exam:

Application Steps

1. Pass exam with 70% or higher
2. Submit application through NIPR (National Insurance Producer Registry)
3. Pay license fee - $225 application fee + $5.60 transaction fee
4. Submit within 12 months of passing exam
5. Await approval - typically processed within a few business days

Qualifications

To obtain a Massachusetts insurance license, you must:

• Be at least 18 years of age
• Be a resident of Massachusetts (for resident license)
• Pass the licensing examination with 70% or higher
• Submit completed application through NIPR
• Pay applicable fees
• Have no disqualifying criminal history

Lines of Authority

Appointments

After receiving your license:

• Must be appointed by each insurer you represent
• Insurer files appointment with DOI
• Cannot transact business until appointment is filed
• Appointment is company-specific