Massachusetts P&C Producer Licensing Requirements

Massachusetts has streamlined licensing requirements compared to many other states, with no mandatory pre-license education for Property & Casualty insurance.

Pre-License Education Requirements

No Mandatory Education

Massachusetts has NO pre-license education requirement for Property & Casualty insurance:

• No required classroom hours
• No mandated online courses
• No approved education providers needed

However, successful candidates typically spend:

• 40-60 hours studying exam content
• Time taking practice tests and quizzes
• Review of insurance concepts and Massachusetts law

Note: While Massachusetts doesn't require pre-license courses, most candidates use exam prep courses to improve their chances of passing. The 70% passing requirement means thorough preparation is essential.

Examination Requirements

The Massachusetts Property & Casualty examination consists of two separate exams:

Property Exam

Casualty Exam

Combined P&C Exam

• Cost: $49 (saves $29 vs. taking separately)
• Requirement: Pass BOTH Property and Casualty sections at 70%+
• Important: Scores are NOT averaged—you must score 70% on each section independently

Testing Provider

• Prometric administers all Massachusetts insurance exams
• Schedule online at prometric.com
• Testing available at Prometric centers or online (if system compatible)

Retake Policy

• Wait Time: 24 hours after failed attempt
• Retake Fee: Full exam fee ($39 or $49) for each attempt
• Attempt Limit: No limit on number of attempts

Exam Tip: Massachusetts requires 70% on BOTH Property and Casualty exams independently. Even if you score 90% on Property and 65% on Casualty, you must retake Casualty.

License Application Process

After passing the exam(s):

Step 1: Pass Exams

• Pass both Property and Casualty exams with 70%+
• Exam results valid for licensing

Step 2: Background Check (If Applicable)

• Massachusetts may require fingerprinting based on criminal history
• Background check investigates any criminal convictions
• Certain convictions may disqualify applicants

Disqualifying Factors

The Division of Insurance may deny licenses for:

• Felony convictions
• Crimes involving fraud, dishonesty, or breach of trust
• Crimes related to insurance activities
• Failure to disclose required information

Step 3: Submit License Application

License Types and Authority

Producer License Types

Producer Categories

Massachusetts distinguishes between different producer roles:

Insurance Producer (Agent)

• Represents one or more insurance companies
• Must be appointed by insurers to sell their products
• Can work as captive (one company) or independent (multiple companies)

Insurance Broker

• Represents the insurance consumer
• Places business with multiple insurers
• Has fiduciary duty to the client

Limited Lines Producer

• Authorized to sell specific products only
• Examples: Travel insurance, credit insurance, motor vehicle insurance

Continuing Education Requirements

To renew your Massachusetts P&C license:

CE Requirements

CE Topic Areas

CE courses must cover:

• Insurance products and coverages
• Massachusetts insurance law and regulations
• Ethics and professional responsibility
• Industry developments and trends
• Sales practices and compliance

CE Exemptions

Some licenses are exempt from CE:

• First licensing period (between initial license and first renewal)
• Licenses held less than 6 months in renewal period

Exam Tip: Massachusetts requires 60 hours of CE every 2 years, including 3 hours of ethics. This is higher than many states. Know that CE is required for license renewal.