Massachusetts Life and Health Insurance Agent Exam

Life & Health Exam Need of a License: An individual who is acting as an agent or producer needs a license to sell life and health insurance in Massachusetts.

Who Grants a License: Licenses are granted by the Massachusetts Division of Insurance.

Qualifications to receive a License: Individuals who wish to obtain an insurance license in the State of Massachusetts:
1. Be at least eighteen (18) years of age.
2. Be a resident of Massachusetts.
3. Pass the examination.
4. Apply for a license.

Applying for the Producer Exam:  Examinations are administered by the independent testing service, Prometric. Registration and examination information can be found at; applicants may also now apply online via NIPR at; NIPR will have electronic records of your passing score reports.

Test Information: The Prometric Massachusetts Insurance Exam Content Outlines contain specific content information beyond the following general outlines:
Massachusetts Producer's Examination for Life Insurance (100 questions – Two-hour time limit)
1.0 Insurance Regulation 8%
1.1 Licensing
1.2 State regulation
1.3 Federal regulation
2.0 General Insurance 6%
2.1 Concepts
2.2 Insurers
2.3 Producers and general rules of agency
2.4 Contracts
3.0 Life Insurance Basics 17%
3.1 Insurable interest
3.2 Personal uses of life insurance
3.3 Life Settlement Act (175:212-223E)
3.4 Determining amount of personal life insurance
3.5 Business uses of life insurance
3.6 Classes of life insurance policies
3.7 Premiums
3.8 Producer responsibilities
3.9 Individual underwriting by the insurer
4.0 Life Insurance Policies 15%
4.1 Term life insurance
4.2 Whole life insurance
4.3 Flexible premium policies
4.4 Specialized policies
4.5 Group life insurance
4.6 Credit life insurance (individual versus group)
5.0 Life Insurance Policy Provisions, Options and Riders 24%
5.1 Standard provisions
5.2 Beneficiaries
5.3 Settlement options
5.4 Nonforfeiture options (175:144)
5.5 Policy loan and withdrawal options
5.6 Dividend options
5.7 Disability riders
5.8 Living benefit provisions/riders
5.9 Riders covering additional insureds
5.10 Riders affecting the death benefit amount
6.0 Annuities 17%
6.1 Annuity principles and concepts
6.2 Immediate versus deferred annuities
6.3 Annuity (benefit) payment options
6.4 Annuity products
6.5 Uses of annuities
7.0 Federal Tax Considerations for Life
7.1 Taxation of personal life insurance
7.2 Modified endowment contracts (MECs)
7.3 Taxation of non-qualified annuities
7.4 Taxation of individual retirement annuities (IRAs)
7.5 Rollovers and transfers (IRAs and qualified plans)
7.6 Section 1035 exchanges
8.0 Qualified Plans 6%
8.1 General requirements
8.2 Federal tax considerations
8.3 Plan types, characteristics and purchasers
Massachusetts Producer's Examination for Accident and Health or Sickness Insurance (100 questions – Two-hour time limit)
1.0 Insurance Regulation 10%
1.1 Licensing
1.2 State regulation
1.3 Federal regulation
2.0 General Insurance 10%
2.1 Concepts
2.2 Insurers
2.3 Producers and general rules of agency
2.4 Contracts
3.0 Health Insurance Basics 11%
3.1 Definitions of perils
3.2 Principal types of losses and benefits
3.3 Classes of health insurance policies
3.4 Limited policies
3.5 Common non-insurance exclusions from coverage
3.6 Producer responsibilities in individual health insurance
3.7 Individual underwriting by the insurer
3.8 Considerations in replacing health insurance
4.0 Individual Accident and Sickness Insurance 8%
4.1 Required provisions
4.2 Optional provisions
4.3 Other general provisions
5.0 Disability Income and Related Insurance 5%
5.1 Qualifying for disability benefits
5.2 Individual disability income insurance
5.3 Unique aspects of individual disability underwriting
5.4 Group disability income insurance
5.5 Business disability insurance
5.6 Social Security disability
5.7 Workers compensation
6.0 Medical Plans 21%
6.1 Medical plan concepts
6.2 Types of providers and plans
6.3 Cost containment in health care delivery
6.4 Massachusetts eligibility requirements (individual and group)
6.5 Patient Protection and Affordable Care Act (PPACA) of 2010
7.0 Group Health Insurance 16%
7.1 Characteristics of group insurance
7.2 Types of eligible groups
7.3 Marketing considerations
7.4 Employer group health insurance
7.5 Small employer and individual medical plans
7.6 Regulation of employer group insurance plans
8.0 Dental Insurance 1%
8.1 Types of dental treatment
8.2 Indemnity plans
8.3 Employer group dental expense
9.0 Insurance for Senior Citizens and Special Needs Individuals 14%
9.1 Medicare
9.2 Medicare supplements
9.3 Other options for individuals with Medicare
9.4 Long-term care (LTC) insurance
10.0 Federal Tax Considerations for Health Insurance 4%
10.1 Personally-owned health insurance
10.2 Employer group health insurance
10.3 Medical expense coverage for sole proprietors, partners and limited liability corporations
10.4 Business disability insurance

How to Apply for the License: Applicants have one (1) year from the date they pass the Massachusetts licensing exam(s) to apply for the line of authority. Submit the NAIC Uniform producer application with the proper licensing fees and passing test score reports to the P.O. Box indicated below, or you may apply online at

MA Division of Insurance 
Producer Licensing 
P.O. Box 370043 
Boston, MA 02241-1743 
License Renewal Requirements: Individual Producer licenses must be renewed every three years and there is a continuing education requirement.

Applicable Regulations: Life and health insurance agents in Massachusetts are regulated by the Massachusetts Division of Insurance.

For more information on life and health insurance agent licensing and exam preparation, go to’s Life and Health Insurance Exam Guide.

And take’s free Life and Health Insurance Agent Practice Test.

For life and health insurance agent exam preparation products, such as study guides, flashcards and courses, go to’s Life and Health Insurance Sales Exam listings.