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Free MA Life & Health Exam Prep

Massachusetts Life & Health Insurance (16-51 + 16-52)

Pass your MA Life & Health exam without spending hundreds on expensive prep courses. Free study guides, practice questions, and AI-powered learning.

Quick Facts

5
Chapters
13
Sections
$0
Our Cost
Updated January 2026

Massachusetts Life & Health Insurance

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Your Study Path

Massachusetts Life & Health Insurance License: Complete Roadmap

Follow this path to maximize your chances of passing on the first try

1

Learn Massachusetts Exam Logistics First

Memorize dual-exam structure (16-51 and 16-52), 105 delivered questions each, 2-hour limits, fee table, and score-validity timing before deep content study.

8
hours
2

Build Life and Annuity CoreYou are here

Prioritize life policy provisions/riders, nonforfeiture, annuity suitability, and replacement scenarios because these domains drive a large share of scored questions.

30
hours
3

Master Health, Group, and Senior-Market Topics

Focus on health-plan structures, large-group rules, disability/LTC concepts, and Medicare supplement patterns tested in Massachusetts health outlines.

28
hours
4

Finish with MA Law and Compliance Drills

Run state-specific practice on 211 CMR 96 annuity best-interest, 211 CMR 34 replacement duties, CE/renewal rules, and unfair-practice enforcement.

20
hours
Estimated total study time
86 hours
That's about 9 weeks at 10 hours/week

Can You Take the MA Life & Health Exam?

Check if you meet the basic eligibility requirements

Age
At least 18 years old
Education
No mandatory prelicensing-hour requirement for these producer lines under current MA statute
Background Check
Background-review and resident producer application requirements apply after passing exams
Additional Requirements
  • •Pass Series 16-51 (Life) and Series 16-52 (Accident and Health) for both authorities
  • •Each exam result is generally valid for 12 months for licensing application purposes
  • •Submit resident producer application and satisfy DOI licensing conditions
  • •Maintain CE after licensure: 60 hours initial cycle, then 45 hours each 36-month cycle, including 3 ethics hours

MA Life & Health Quick Facts

Time to Get Licensed

4-8 weeks for most candidates

From start to license in hand

Exam Provider

Prometric

Remote Testing Available
Schedule Your Exam

Retake Policy

Retakes are scheduled through Prometric, with a new reservation and fee for each attempt.

Total Cost Breakdown

Exam Fee$39 per exam line
Total Estimated Cost$78 for two line exams (plus license application and related processing costs)
Why Choose Us

Free MA Life & Health Prep That Actually Works

The official pass rate is Not publicly reported by Massachusetts DOI/Prometric. Our students do better.

200+ Practice Questions

More free questions than most paid courses

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

Content reflects latest exam changes

$0 Forever

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What You'll Study

5 chapters covering everything you need to pass

1

Introduction: Massachusetts Life & Health Insurance Exam Overview

1 sections

2

Chapter 1: Massachusetts Insurance Regulation & Licensing

3 sections

3

Chapter 2: Massachusetts Life Insurance Laws

3 sections

4

Chapter 3: Massachusetts Health Insurance Laws

3 sections

5

Chapter 4: Massachusetts Insurance Ethics & Prohibited Practices

3 sections

MA Life & Health-Specific Topics Covered

Prometric Series 16-51 and 16-52 format (100 scored + 5 unscored each, 2-hour limits)Massachusetts fee table: $39 per single exam and listed combo reservation optionNo prelicensing-hour requirement under M.G.L. c.175 §162L for these producer linesProducer CE by birth-date cycle: 60 initial hours then 45 hours per 36 months, including 3 ethicsAnnuity best-interest and one-time 4-hour annuity training standards under 211 CMR 96Life/annuity replacement duties and notice timelines under 211 CMR 34LTC producer training cadence under 211 CMR 65 (8-hour initial plus 4 hours every 24 months)Massachusetts Medigap distinctions (Core / Supplement 1A / legacy Supplement 1, community rating, continuous enrollment framework in DOI guidance)Massachusetts individual mandate and MCC framework (M.G.L. c.111M; 830 CMR 111M.2.1)
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MA Life & Health Exam Details

Massachusetts Life & Health Insurance (16-51 + 16-52)

Administered by Massachusetts Division of Insurance / Prometric

Official Source
Pass/fail (scaled cut score set by Prometric/DOI)
Passing Score
105
Questions
2
Hours
$39 per exam ($49 combo reservation option)
Exam Fee
Study time: 70-100 hours
Prerequisites: No state prelicensing-hour requirement under M.G.L. c.175 §162L; pass both exams for both authorities and complete MA resident licensing workflow

Exam Content Breakdown

Based on the official Massachusetts Division of Insurance / Prometric content outline

Massachusetts Regulation and General Insurance~16% combined

Licensing process, DOI authority, producer regulation, unfair practices, and federal overlays tested in both Life and Health outlines

Life Insurance and Annuities~37% combined

Life policy basics/types/provisions/riders, nonforfeiture, annuities, and replacement/best-interest analysis

Health Plans and Disability Coverage~32% combined

A&H basics, individual/group provisions, disability income, managed care structures, and large-group health concepts

Senior Market, Tax, and Qualified Concepts~15% combined

Medicare supplement and special-needs content plus life/health tax fundamentals and qualified-plan basics

What's Included

5 Chapters

Complete exam coverage

Practice Quizzes

With detailed explanations

Free to Start

No credit card required

Ran Chen - AI Engineer, CFP®
CFP®
Why It's Free

Quality Exam Prep Shouldn't Cost Hundreds

I'm Ran Chen, an engineer with 20+ years of coding experience. I passed my Life Insurance license, EA exam, SIE, Series 6, 63, 65, and finally the CFP® exam.

Through all these exams, one thing became clear: exam prep is expensive. But with AI, we can change that. Quality preparation can now be free for everyone.

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What's Next After the MA Life & Health?

After passing the MA Life & Health, you can pursue these career paths

Life & Health

Build national life and health fundamentals first

Massachusetts Property & Casualty

Add MA P&C authority for broader producer licensing

NMLS

Expand into mortgage licensing

MA Life & Health Exam FAQ

Official Massachusetts Division of Insurance / Prometric Resources

Verify information with these official sources

Prometric Massachusetts Insurance ProgramMassachusetts Life Outline (Series 16-51)Massachusetts A&H Outline (Series 16-52)Massachusetts DOI Licensing Bulletin (MA-INS-LIB-5.2022)MA Producer CE Requirements (Mass.gov)211 CMR 96.00 Suitability in Annuity Transactions211 CMR 34.00 Replacement of Life Insurance and Annuities211 CMR 65.00 Long-Term Care InsuranceMassachusetts Individual Mandate (830 CMR 111M.2.1)

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