Key Takeaways
- 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
- The Life-only exam has 85 questions (75 scored, 10 pretest) with a 2-hour time limit
- The Health-only exam has 103 questions (88 scored, 15 pretest) with a 2-hour time limit
- As of May 2025, remote testing is NO LONGER available - exams must be taken at Pearson VUE testing centers
Maine Producer Licensing Requirements
Maine has specific requirements for obtaining a Life and/or Accident & Health insurance producer license. Notably, Maine does NOT require pre-license education.
Pre-License Education
Maine does NOT require pre-license education for insurance licenses:
- No mandatory classroom hours
- No specific courses required
- However, exam preparation courses are strongly recommended
- Most candidates complete 20-40 hours of study
Exam Tip: Maine is one of the few states that does not require pre-license education. However, this doesn't mean the exam is easy—thorough study is still essential.
Examination Requirements
Combined Life, Accident & Health Exam
| Exam Detail | Requirement |
|---|---|
| Total Questions | 151 |
| Time Limit | 3 hours 30 minutes |
| Passing Score | 70% |
| Exam Fee | Approximately $47 |
| Testing Provider | Pearson VUE |
| Remote Testing | NOT Available (as of May 2025) |
Life-Only Exam
| Exam Detail | Requirement |
|---|---|
| Total Questions | 85 |
| Scored Questions | 75 |
| Pretest Questions | 10 (not scored) |
| Time Limit | 2 hours |
| Passing Score | 70% |
Accident & Health-Only Exam
| Exam Detail | Requirement |
|---|---|
| Total Questions | 103 |
| Scored Questions | 88 |
| Pretest Questions | 15 (not scored) |
| Time Limit | 2 hours |
| Passing Score | 70% |
Important Update (May 2025): Remote proctored exams are NO LONGER available for Maine insurance licensing. All exams must be taken in-person at a Pearson VUE testing center.
Examination Process
Scheduling the Exam
- Study using exam preparation materials (strongly recommended)
- Schedule exam with Pearson VUE online at pearsonvue.com or call (800) 274-4959
- Choose testing location: Physical Pearson VUE testing center ONLY (no remote testing)
- Bring valid ID with photo and signature
- Receive results immediately after exam
Exam Day Requirements
What to Bring:
- Two forms of valid government-issued ID
- One must contain photo, name, and signature
- Examples: Driver's license, passport, military ID
Testing Rules:
- No cell phones or electronic devices
- No personal items at testing station
- Breaks count against time limit
- Results provided immediately
Retake Policy
- No limit on number of times you can retake the exam
- Must wait at least 24 hours between attempts
- Must pay full exam fee for each attempt
License Application
After passing the exam:
- Apply through NIPR (National Insurance Producer Registry)
- Submit within 1 year of passing exam
- Pay license fee (varies by license type)
- Receive license after Maine Bureau of Insurance review
License Types and Authority
| License Type | What You Can Sell |
|---|---|
| Life | Life insurance and annuities |
| Accident & Health | Health, disability, LTC insurance |
| Life, Accident & Health | All life and health products |
Qualifications for Licensure
To obtain a Maine insurance license, you must:
- Be at least 18 years of age
- Be a resident of Maine (for resident license)
- Pass the licensing examination
- Not have any disqualifying background issues
Does Maine require pre-license education for insurance licenses?
As of May 2025, how can you take the Maine insurance licensing exam?
What is the time limit for the Maine combined Life, Accident & Health exam?