Key Takeaways
- The Maine Bureau of Insurance regulates all insurance activities in Maine under the Superintendent of Insurance
- The Superintendent is appointed by the Governor with Legislative confirmation
- Maine does NOT require pre-license education, but exam preparation is strongly recommended
- The combined Life, Accident & Health exam has 151 questions with a 3.5-hour time limit and 70% passing score
- Pearson VUE administers Maine insurance exams; remote testing is NO LONGER available as of May 2025
Last updated: January 2026
Maine Bureau of Insurance
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The Maine Bureau of Insurance is the state agency responsible for regulating the insurance industry in Maine. It operates within the Department of Professional and Financial Regulation.
The Superintendent of Insurance
The Superintendent of Insurance is:
- Appointed by the Governor with Legislative confirmation
- Serves as head of the Bureau of Insurance
- Responsible for enforcing Maine insurance laws
- Authorized to adopt rules, investigate violations, and discipline licensees
Superintendent Powers and Duties
| Power | Description |
|---|---|
| Licensing | Issue, suspend, and revoke producer licenses |
| Rulemaking | Adopt rules interpreting the Insurance Code |
| Enforcement | Investigate and prosecute violations |
| Rate Review | Review insurance rates for compliance |
| Consumer Protection | Handle complaints and protect policyholders |
| Market Conduct | Examine insurer business practices |
Maine Insurance Code
Maine insurance law is found in Title 24-A of the Maine Revised Statutes:
- Chapter 1 - General Provisions
- Chapter 15 - Insurance Producers and Consultants
- Chapter 23 - Life Insurance
- Chapter 33 - Individual and Group Accident and Health Insurance
- Chapter 35 - Group and Blanket Health Insurance
Exam Tip: Remember that the Maine Superintendent of Insurance is APPOINTED by the Governor, not elected. Maine is also one of the few states that does NOT require pre-license education.
Maine Bureau of Insurance Organization
The Bureau operates through several divisions:
- Licensing Division - Handles producer licensing and CE compliance
- Life & Health Division - Regulates life and health insurance
- Market Conduct - Examines insurer practices
- Consumer Division - Handles consumer complaints and assistance
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Test Your Knowledge
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