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Massachusetts Life License - Exam Section Weights & Requirements
What the Massachusetts Life exam tests, section by section, taken from the state's own published content outline, with exam prep built to the same weights.
Massachusetts issues this as Life.
Exam logistics
Where to apply and book the exam
We have not published a step-by-step Massachusetts checklist yet. These are the official sources; anything on this page that is not cited to one of them comes from the state's own published exam outline.
What Massachusetts requires
Transcribed from NIPR's Massachusetts resident licensing requirements page, read 2026-09-16. Fees and rules change; confirm against Massachusetts Division of Insurance before you file.
- Application fee
- $225 (Insurance Producer)
- State exam
- Insurance Producer exams are required for Life, Accident & Health or Sickness, Property, Casualty, Personal Lines and Credit, and not required for Variable Life and Variable Annuity or Travel. Auto Damage Appraiser, Insurance Adviser and Public Insurance Adjuster require exams; Surplus Lines Broker, Reinsurance Intermediary and Motor Club do not.
- Fingerprints and background check
- Supporting documentation is required, including proof of U.S. citizenship or background documentation. No vendor is named.
- How to apply
- Apply electronically through NIPR's Resident License application.
- Also worth knowing
- A $75 lead paint surcharge applies when adding Property, Casualty or Personal Lines. Surplus Lines Brokers must already hold active producer property and casualty licences.
Massachusetts application fees, by license class
- Insurance Producer$225
- Public Insurance Adjuster$200
- Insurance Adviser$200
- Auto Damage Appraiser$100
- Surplus Lines Broker$150
Source: NIPR, Massachusetts resident licensing requirements, individual, read 2026-09-16. Anything absent above is something that page does not state, which is not the same as the state not requiring it.
What's actually on the exam
Section weights below are derived from Pearson VUE publication #122301, effective 2026-07-22 - not a national average. Our practice questions and final exam are sampled to the same proportions.
- I. Types of Policies13.75% (11 of 80)
- II. Policy Riders, Provisions, Options, and Exclusions13.75% (11 of 80)
- III. Completing the Application, Underwriting, and Delivering the Policy15% (12 of 80)
- IV. Premiums, Proceeds, and Beneficiaries7.5% (6 of 80)
- V. Annuities5% (4 of 80)
- VI. Federal Tax Considerations for Life Insurance and Annuities3.75% (3 of 80)
- VII. Qualified Plans and Federal Retirement Plans3.75% (3 of 80)
- VIII. Massachusetts Insurance Code Pertinent to Life Insurance18.75% (15 of 80)
- IX. Massachusetts Statutes Pertinent to Life Insurance Producers18.75% (15 of 80)
Source: Pearson VUE #122301 eff. 2026-07-22.
Frequently asked questions
How many questions are on the Massachusetts Life exam?
Massachusetts administers the Producer - Life Insurance Exam, 80 scored questions, administered by Pearson VUE. The exam fee is $37.
What score do I need to pass?
Massachusetts does not publish a passing score for this examination, so treat the candidate handbook as the authority rather than any figure quoted elsewhere.
Does Massachusetts require state-approved prelicensing education?
No. Massachusetts does not mandate prelicensing education for the Life license - passing the exam is what qualifies you. Exam prep alone is sufficient.
Is the practice exam built to the real Massachusetts exam's format?
Yes. Our practice questions and final exam are weighted to match Pearson VUE #122301 eff. 2026-07-22, section by section - not a generic national blueprint with a state label on it.
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