Producer Licensing Requirements

Maine regulates insurance producers under Title 24-A, Chapter 16 of the Maine Revised Statutes. The licensing process is designed to ensure producers have adequate knowledge while maintaining reasonable accessibility to the profession.

Eligibility Requirements

To obtain a Maine P&C producer license, applicants must:

Age and Residency

• Minimum Age: 18 years old
• Residency: Maine residency NOT required (can be resident or non-resident)
• Legal Status: Lawful presence in the United States

Character Requirements

• Good Character: Applicant must be trustworthy and of good character
• No Felony Convictions: Certain criminal convictions may disqualify applicants
• Background Check: May be required (fingerprinting through IdentoGO)
• No Prior License Revocations: Previous insurance license revocations reviewed

Exam Tip: Maine does NOT require U.S. citizenship, but applicants must have lawful presence in the United States.

Pre-Licensing Education

Maine has NO mandatory pre-licensing education requirement for Property & Casualty insurance producers.

What This Means

• No Required Courses: Applicants can take the exam without completing state-mandated courses
• Self-Study Allowed: Candidates may prepare using any study materials they choose
• Recommended Study: Despite no requirement, 40-60 hours of study is recommended
• Optional Courses: Many candidates choose to take voluntary prep courses

Comparison to Other States:

Important: While Maine doesn't require pre-licensing education, the exam is comprehensive and rigorous. Thorough preparation is essential for success.

Examination Requirements

Exam Details

Scheduling the Exam

1. Register Online: Visit pearsonvue.com/me/insurance
2. Create Account: Set up Pearson VUE profile
3. Select Exam: Choose "Property and Casualty"
4. Choose Location: Testing center or online proctored
5. Pay Fee: $49 exam fee

Exam Content Areas

National Content (73% - 110 questions)

• General insurance principles (15-20%)
• Property insurance (25-30%)
• Casualty insurance (25-30%)
• Other lines and risk management (20-25%)

Maine State Content (27% - 40 questions)

• Maine insurance regulations (30-35%)
• Maine insurance laws (25-30%)
• Maine auto insurance requirements (20-25%)
• Maine property & casualty provisions (15-20%)

Retake Policy

• Wait Period: 24 hours between attempts
• Retake Fee: Full $49 fee for each attempt
• Attempts Allowed: No limit on number of attempts
• Score Report: Provided after each attempt showing performance by content area

Exam Tip: If you fail, review your score report carefully to identify weak areas before retaking.

License Application Process

After passing the exam, follow these steps to obtain your license:

Step 1: Complete Application

Through Sircon (Online)

1. Visit home.sircon.com/app/
2. Create account or log in
3. Select "Maine" as jurisdiction
4. Complete producer license application
5. Provide personal information, exam results, background information

Application Information Required:

• Full legal name and contact information
• Social Security Number
• Date of birth
• Citizenship/lawful presence status
• Exam pass confirmation
• Criminal history disclosure (if applicable)
• Prior insurance license history

Step 2: Pay Fees

Step 3: Background Check

Maine may require fingerprinting for initial license applicants:

• Provider: IdentoGO (formerly MorphoTrust)
• Location: Find nearest IdentoGO location online
• Cost: Approximately $60
• Process: Electronic fingerprinting and FBI/state background check
• Timeline: Results typically available within 7-14 days

Important: Not all applicants are required to complete fingerprinting. The Bureau will notify you if this requirement applies to your application.

Step 4: Company Appointment

To transact insurance business, producers must be appointed by at least one insurance company:

Appointment Requirements:

• Licensed producer must apply for appointment with an insurer
• Insurer submits appointment request to Bureau
• Bureau processes and approves appointment
• Appointment fee: $40 per company (paid by company, not producer)

Multiple Appointments:

• Producers can be appointed by multiple companies
• Each company appoints producer for specific lines of authority
• Appointments must be maintained to remain active

License Term and Renewal

License Duration

• Term Length: 2 years
• Expiration: Last day of producer's birth month
• Renewal Cycle: Based on birth year (odd/even)

Example:

• Birth date: March 15, 1990 (even year)
• License issued: 2026
• Expires: March 31, 2028
• Renews every even-numbered year

Renewal Requirements

To renew a Maine P&C producer license:

1. Complete Continuing Education: 24 CE hours per 2-year period (3 hours ethics)
2. Maintain Company Appointment: At least one active appointment
3. Pay Renewal Fee: $100 for 2-year renewal
4. Submit Renewal: Through Sircon before expiration date

Exam Tip: Producers born in odd-numbered years renew in odd-numbered years; producers born in even-numbered years renew in even-numbered years.

Lines of Authority

Maine issues producer licenses with specific lines of authority indicating which types of insurance a producer may sell.

Property & Casualty Lines of Authority

P&C License Authority

A standard Maine Property & Casualty producer license typically includes:

• Property insurance
• Casualty insurance
• Personal auto
• Homeowners
• Commercial property and casualty
• Inland marine
• Crime and fidelity coverage

Separate Licenses Required For:

• Surplus lines (requires P&C license first, then separate surplus lines application)
• Title insurance
• Travel insurance
• Crop insurance (federal license)

Non-Resident Licensing

Maine offers streamlined licensing for non-residents under reciprocity provisions.

Non-Resident Requirements

To obtain a Maine non-resident P&C license:

1. Home State License: Must hold active P&C license in home state
2. Home State Standing: License in good standing (not suspended/revoked)
3. Pass Exam OR Waiver: May be exempt from Maine exam if home state grants reciprocity
4. Application: Submit non-resident application through Sircon
5. Fee: $100 for 2-year non-resident license

Reciprocity

Maine participates in reciprocal licensing agreements:

If Maine grants reciprocity to your home state:

• You are exempt from taking Maine's P&C exam
• Must only pass your home state's exam
• Complete Maine non-resident application
• Pay Maine non-resident license fee

Check Reciprocity Status: Contact Maine Bureau of Insurance or check Sircon during application

Non-Resident Continuing Education

Non-resident producers:

• Must comply with home state CE requirements
• Exempt from Maine CE if home state CE is current
• Must maintain active home state license
• Maine may require ethics CE in certain circumstances

Exam Tip: Non-resident producers must notify Maine Bureau within 30 days of any changes to home state license status (suspension, revocation, surrender).

Special Licensing Situations

Business Entity Licenses

Insurance agencies, corporations, and partnerships must be licensed:

Entity License Requirements:

• At least one individual producer designated as "responsible producer"
• Entity application through Sircon
• Entity license fee: $200 per 2-year term
• All transactions must be through licensed individual producers

Temporary Licensing

Maine may issue temporary licenses in specific situations:

Situations for Temporary Licenses:

• Death or disability of producer (to allow business continuation)
• Military service deployment
• Other emergency situations

Temporary License Terms:

• Up to 180 days (6 months)
• May be extended in certain circumstances
• Applicant must meet regular licensing requirements during temporary period

Limited Lines Licensing

Maine offers limited lines licenses for specialized insurance:

Requirements: Separate exam and licensing process for limited lines (not covered in P&C license).