Life & Health Insurance License Study Courses

If you want to sell life and health insurance in Massachusetts, you must first obtain your Massachusetts Life and Health Insurance Producer License. This guide walks you through the process, from preparing for the exam to applying for your license.

1. Meet Basic Eligibility Requirements

Before you begin, make sure you meet Massachusetts’ licensing requirements:

• Age: You must be at least 18 years old.
• Residency: You do not need to be a Massachusetts resident, but you must apply for a resident or non-resident license accordingly.
• Background: You must be able to pass a background check. The Division of Insurance will review your application for any criminal, financial, or regulatory issues.

2. Prepare Thoroughly for the Exam

While Massachusetts does not require candidates to complete a state-approved prelicensing course, that doesn’t mean you should skip preparation. The licensing exam can be challenging and covers a wide range of topics, including:

• Life insurance policy types, riders, and provisions
• Health insurance basics, disability coverage, and policy exclusions
• Federal and Massachusetts-specific insurance laws and regulations
• Ethics and producer responsibilities

Studying from a structured course can significantly improve your chances of passing. Many candidates use online prep courses that include practice tests to become familiar with the test format.

3. Understand the Background Check Process

As part of your application, the Massachusetts Division of Insurance requires a background check to determine your eligibility. You’ll need to:

• Answer questions about your criminal history and any past disciplinary actions against professional licenses.
• Disclose any felony or misdemeanor convictions, especially those involving fraud, dishonesty, or financial crimes.
• Provide supporting court documents if required.

Failure to disclose relevant information can result in license denial, even if the offense itself would not have disqualified you. The Division of Insurance reviews each case individually, and in some situations, you may be asked to provide a written explanation.

4. Schedule and Pass the State Exam

Massachusetts uses Prometric to administer insurance licensing exams. You can schedule online through the Prometric website or by phone.

The Life and Health exam consists of two parts. Life and Accident & Health, each with its own set of questions. You must pass both sections to qualify for your license.

• Format: Multiple-choice
• Time Limit: 2 hours per section
• Passing Score: 70% or higher per section

Bring two valid forms of ID to the testing center. You’ll receive your results immediately after finishing.

5. Submit Your License Application

Once you pass, apply for your license through the National Insurance Producer Registry (NIPR) or directly with the Massachusetts Division of Insurance.

You will need to:

• Pay the licensing fee
• Provide your exam results
• Complete and submit your background information truthfully

The Division of Insurance will finalize your background check and issue your license if all requirements are met.

Final Thoughts

Getting your Massachusetts Life and Health Insurance License is a straightforward process if you prepare properly. Even without a formal pre-licensing requirement, structured study is the key to passing the exam and starting your career with confidence.