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How to get an insurance license in Massachusetts. P&C: 0 pre-licensing hours. L&H: 0 hours. Government fees: $388 for both lines. 2 years renewal cycle. Verified 2026-03-22. Data verified 2026-03-22. Source: LicenseMap (getlicensemap.com).
Insurance Agent
Most information on this page has been verified.
87% of data points are verified against official sources. 2 fields based on preliminary research. 1 field needs verification. We recommend confirming details with your state's licensing authority. See sources below · Report incorrect data
Not required
P&C Education
Not required
L&H Education
2 years
Renewal Cycle
$388
Gov. Fees (Both)
Insurance Producer
Massachusetts issues producer licenses with lines of authority. Pre-licensing education is NOT required but recommended. Licenses renew every 3 years (not 2 years like most states). There is a unique lead paint surcharge for P&C and Personal Lines producers.
Other Available Lines of Authority
No pre-licensing education required
Not required.
Massachusetts Property & Casualty Insurance Exams
Administered by Prometric
105
Questions
70%
Passing Score
120 minutes (2 hours) per exam
Time Limit
$49 (combined Property & Casualty)
Exam Fee
Each exam has 100 scored questions + 5 pretest questions (105 total). 2 hours per exam. 70% passing score. Includes general and state-specific sections. Available at Prometric testing centers.
No pre-licensing education required
Not required.
Massachusetts Life & Accident and Health Insurance Exams
Administered by Prometric
105
Questions
70%
Passing Score
120 minutes (2 hours)
Time Limit
$39
Exam Fee
100 scored questions + 5 pretest questions (105 total). 2 hours. 70% passing score. Life exam: $39.
Minimum Age
18 years old
Education
No formal education requirement; no pre-licensing education required
Residency
Must apply as resident producer if domiciled in Massachusetts
Background Check
Criminal background check required. Specific fingerprinting requirements should be verified with the Division of Insurance.
Fingerprinting
Not required
Citizenship
Must have SSN or FEIN
| Fee | Amount |
|---|---|
Application Fee Resident new license insurance producer fee. P&C and Personal Lines applicants pay an additional $75 lead paint surcharge. | $225 |
P&C Exam Fee Combined Property & Casualty exam fee via Prometric | $49 |
L&H Exam Fee Life exam fee via Prometric. Accident & Health exam fee may differ. | $39 |
Fingerprinting Fee Massachusetts does not appear to require fingerprinting for insurance producer licensing. UNVERIFIED - confirm with DOI. | $0 |
Total Gov. Fees (Single Line) $225 application + $39-$49 exam + $75 lead paint surcharge (if P&C or Personal Lines). Life/Health line: $264. P&C line: $349. | $264-$339 |
Total Gov. Fees (Both Lines) $225 application + $49 P&C exam + $39 Life exam + $75 lead paint surcharge (for P&C). Single application covers multiple lines. | $388 |
Pre-Licensing Course Cost: $0-$400(per line)
Pre-licensing education is NOT required in Massachusetts. Education costs are optional exam prep only. NOT a government fee.
Study for the exam (pre-licensing education not required but recommended)
Schedule and pass the Property & Casualty exam with Prometric ($49)
Apply for license through NIPR
Pay $225 application fee plus $75 lead paint surcharge
Receive license and obtain carrier appointments to begin selling
Study for the exam (pre-licensing education not required but recommended)
Schedule and pass the Life and/or Accident & Health exam(s) with Prometric ($39)
Apply for license through NIPR
Pay $225 application fee
Receive license and obtain carrier appointments to begin selling
Important: A license alone does not allow you to sell insurance
After obtaining your producer license, you must be appointed by at least one insurance company to sell their products. State appointment renewal fee is $75 per license class.
Appointment fee: $75 per license class
Non-resident licensing available through NIPR. Effective November 14, 2025, Massachusetts removed state-specific questions from non-resident applications.
Additional requirements: Must hold valid resident license in home state
Renewal Cycle
2 years
Renewal Fee
$225
CE Required
24 hours per cycle
45 hours of CE every 3-year renewal cycle, including 3 hours of ethics. Additional requirements may apply for flood insurance and long-term care. P&C and Personal Lines producers pay additional $75 lead paint surcharge at renewal ($25/year for 3 years).
Regulatory Board
Unique to Massachusetts: Massachusetts is unusual in several ways: it has a 3-year renewal cycle instead of the standard 2 years, charges a unique lead paint surcharge of $75 for P&C/Personal Lines producers, and does not require any pre-licensing education. The $225 application fee is among the highest in the country.
Explore requirements for other professional licenses in Massachusetts.
How this state compares to 50 others for this profession
Timeline
#1 of 51
Salary
#3 of 51
Processing
#1 of 51
Based on May 2024 Bureau of Labor Statistics OEWS data for Insurance Sales Agents (SOC 41-3021)
Entry Level
$62,050
25th percentile
Median
$77,660
+29% vs. national avg ($60,370)Experienced
$114,430
75th percentile
Wage Distribution (Annual)
10,360 employed in this state
Note: Insurance agent compensation is heavily commission-based. BLS OEWS data may not fully reflect total earnings including commissions and bonuses.
Source: BLS OEWS – Insurance Sales Agents (May 2024)
National employment projections for 2024-2034
Projected Growth
+4.7%
Average GrowthNew Jobs
+26,200
over 10 years
Annual Openings
41,200
per year (avg.)
555,200 currently employed nationwide (2024)
Source: BLS Employment Projections 2024-2034 (September 2025)
Insurance Career Ladder+9% salary growth potential
You are here
Insurance Agent
$77,660
Pre-licensing education + state exam
You are here
Insurance Agent
Pre-licensing education + state exam
$77,660
Adjuster licensing + claims experience
$84,340
Salary data from BLS OEWS May 2024 for this state. Career paths represent common advancement routes — actual progression may vary. Bureau of Labor Statistics — Occupational Outlook Handbook
Government fees and exam costs to obtain your initial license
Note: These are government licensing fees only. Education/training program costs (tuition, books, etc.) are not included as they vary widely by institution.
Source: Massachusetts Division of Insurance (DOI) — Licensing Requirements
Estimated total: 4–10 weeks
Timeline estimated from licensing requirements on this page.
Source: Massachusetts Division of Insurance (DOI) — Licensing Requirements
1–4 weeks
Estimated processing time
Source: Massachusetts Division of Insurance (DOI) — Licensing Requirements
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