Massachusetts Life & Health Insurance License Exam Overview
The Massachusetts Life & Health Insurance License Exam is administered by Prometric on behalf of the Massachusetts Division of Insurance (DOI). Massachusetts pioneered healthcare reform and offers a sophisticated insurance market with Health Connector, the nation's first state exchange.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 100 multiple-choice per exam |
| Time Limit | 2 hours per exam |
| Passing Score | 70% |
| Testing Vendor | Prometric |
| Exam Fee | $39 per exam |
| Pre-licensing Education | Not required |
Why Get Licensed in Massachusetts?
- Healthcare pioneer — First state exchange
- Wealthy market — High net worth clients
- Dense population — Concentrated prospects
- Major insurers — Multiple headquarters
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Key Topics Covered on the Exam
Life Insurance (30%)
| Feature | Massachusetts Standard |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Free Look | 10 days |
Health Insurance (30%)
- Health Connector (state-based exchange)
- MassHealth (Medicaid)
- Individual mandate
- Connector Care subsidies
Massachusetts Insurance Regulations (15%)
- Massachusetts General Laws Chapter 175
- DOI authority
- Producer licensing
| Topic | Massachusetts Requirement |
|---|---|
| Pre-licensing | Not required |
| CE requirement | 60 hours initial, then 45 hours/3 years |
| Passing score | 70% |
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