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Insurance Agent
Training: 0 hours | Exam: Yes
Some details on this page are not yet confirmed against an official source. See sources below or contact the licensing board to verify.
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.
Compare top-rated insurance pre-licensing schools in Massachusetts.
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
Not sure if you need a insurance agent license? Check whether your state requires one.
Massachusetts Life & Accident and Health Insurance Exams
Questions
105 questions
Time Limit
120 minutes (2 hours)
Passing Score
70%
Administered By
Prometric
Cost of failing
Retake fee: $39Invest in preparation to pass the first time.
How long should you study? Most candidates study 2–4 weeks before taking the Massachusetts Life & Accident and Health Insurance Exams.
Study Materials & Exam Prep — Life & Health Insurance License Exam
Prepare for your Life & Health Insurance License Exam with Mometrix study guides, flashcards, online courses, and practice tests.
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Complete Your Pre-Licensing Education in Massachusetts
State-approved online courses you can start today.
| 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 Fingerprinting fees vary by vendor and location. The listed amount reflects the state processing fee — total cost including vendor fees may be higher. | $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.
Use our licensing cost calculator to estimate your total investment including education and exam fees.
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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
Moving to another state? Use our Transfer Tool to see what you need →
Compare Massachusetts with other states →
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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.
Insurance Agent requirements in nearby states
| State | Timeline | |
|---|---|---|
| Massachusetts (you) | 4–10 wks | |
| Connecticut | 4–10 wks | → |
| Maine | 4–10 wks | → |
| New Hampshire | 4–10 wks | → |
| New York | 4–10 wks | → |
Other professional licenses in Massachusetts
See how Massachusetts compares: Insurance Agent License Fees by State — Cheapest to Most Expensive →
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Insurance Agent Schools in Massachusetts
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Insurance Agent requirements in Massachusetts verified against Massachusetts Division of Insurance, April 2026.
Moving to Massachusetts? Use our free Transfer Tool to see what you need →
Already licensed elsewhere? See how to transfer your Insurance Agent license to Massachusetts →
Transfer your Insurance Agent license from Massachusetts to: Connecticut → | New Hampshire → | New York → | Rhode Island → | Vermont →
Study guides for P&C, life & health, and other insurance licensing exams.
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