Free Practice Questions for MA Life & Health
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Key Facts: MA Life & Health Exam
16-51 / 16-52
Exam Codes
Prometric Massachusetts insurance program
105 each
Delivered Questions
100 scored + 5 pretest per exam
2h each
Time Limit
Prometric content outlines
$39
Fee Per Exam
Prometric candidate bulletin fee table
12 months
Result Validity
Prometric candidate bulletin
211 CMR 96 / 34
Core MA Regulations
Massachusetts Division of Insurance regulations
Massachusetts candidates typically complete both Prometric exams: Life 16-51 and A&H 16-52. Each exam is 105 delivered questions (100 scored + 5 pretest) with a 2-hour limit and a $39 fee; exam results are valid for 12 months for licensing application. Massachusetts also tests state-specific rules such as no prelicensing requirement under M.G.L. c.175 §162L, annuity best-interest standards in 211 CMR 96, replacement duties in 211 CMR 34, and unique Medigap features like continuous open enrollment and community rating.
Sample MA Life & Health Practice Questions
Try these sample questions to review concepts for the MA Life & Health exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 646+ question experience with AI tutoring.
1Which state agency is the primary insurance regulator in Massachusetts?
2How are Massachusetts life and health producer exams administered for candidates seeking both lines?
3According to Massachusetts Prometric outlines 16-51 (Life) and 16-52 (Health), what is the delivered question count per exam?
4What is the time limit for each Massachusetts life or health producer exam?
5What exam reservation pricing is listed for Massachusetts life and health producer testing?
6Under Massachusetts law, which statement about prelicensing education is correct for life and health producer applicants?
7What is the minimum age to qualify for a Massachusetts insurance producer license?
8How many continuing education hours are generally required before a Massachusetts producer's first renewal?
9After the first renewal cycle, what CE pattern generally applies to Massachusetts producers?
10What annuity training requirement applies in Massachusetts under 211 CMR 96 before soliciting annuities?
About the MA Life & Health Exam
Massachusetts producer licensing uses separate Life (16-51) and Accident & Health (16-52) exams. Each exam blends national concepts with Massachusetts statutes and regulations, including replacement, annuity best-interest rules, Medigap specifics, and producer conduct requirements.
Exam sponsor: Massachusetts Division of Insurance / Prometric. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.
Questions
210 questions
Time Limit
2 hours per exam (4 hours total)
Passing Score
Pass/fail (scaled cut score set by Prometric/DOI)
Reported exam pass rate: Not publicly reported. Massachusetts DOI and Prometric do not publish a statewide first-time pass rate Exam sponsor website
Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.
Official sources
- Prometric Massachusetts Insurance Program
- Massachusetts 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 Transactions
- 211 CMR 34.00 Replacement of Life Insurance and Annuities
- 211 CMR 65.00 Long-Term Care Insurance
- Massachusetts Individual Mandate (830 CMR 111M.2.1)
Our practice resources: topics covered
We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.
MA Regulation and Producer Law
DOI authority, producer licensing and maintenance, CE and ethics, appointments, unfair practices, and discipline standards
Life Insurance and Annuities
Life policy basics, policy types/provisions/riders, nonforfeiture, annuity principles, replacement, and tax-qualified concepts
Health and Disability Coverage
Health policy structures, managed care plans, disability income, group coverage, and health contract provisions
Senior Market and MA-Specific Health Rules
Medicare supplement, long-term care training standards, MA MCC mandate context, and state-specific compliance requirements
Preparing for the MA Life & Health Exam
What You Need to Know
- Passing score: Pass/fail (scaled cut score set by Prometric/DOI)
- Exam length: 210 questions
- Time limit: 2 hours per exam (4 hours total)
- Exam / certification fees: $39 per exam ($49 combo reservation option) Official sources
Using Our Practice Resources
- Work through all 646 available questions
- Review every answer and explanation
- Track weak areas and revisit them
- Use our AI tutor for tough concepts
MA Life & Health: Suggested Study Strategy
Frequently Asked Questions
Is Massachusetts Life & Health one combined exam?
Massachusetts uses two separate producer exams for this path: 16-51 (Life) and 16-52 (Accident and Health). Candidates seeking both authorities generally pass both exams.
How many questions and how much time are on each Massachusetts exam?
Each exam delivers 105 questions with 100 scored and 5 pretest items, and each has a 2-hour time limit according to the Prometric content outlines and candidate bulletin.
What does Massachusetts charge for these exams?
Massachusetts lists $39 per single exam reservation, with a listed $49 combined reservation option in the Prometric bulletin table.
Does Massachusetts require prelicensing classroom hours?
Current Massachusetts guidance indicates no prelicensing course requirement for these producer lines under M.G.L. c.175 §162L. You still must pass required exams and complete licensing requirements.
What CE rules are most test-relevant for Massachusetts producers?
Massachusetts applies a triennial renewal cycle by birth date, with 60 CE hours including 3 ethics for the initial cycle and 45 CE hours including 3 ethics in later cycles.
What Massachusetts-specific rules are commonly tested?
High-yield state topics include annuity best-interest requirements (211 CMR 96), life replacement rules (211 CMR 34), LTC training requirements, and Massachusetts Medigap differences such as community rating and continuous open enrollment.