200+ Free MA Life & Health Practice Questions
Pass your Massachusetts Life & Health Insurance (16-51 and 16-52) exam on the first try — instant access, no signup required.
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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.
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.
Questions
210 scored questions
Time Limit
2 hours per exam (4 hours total)
Passing Score
Pass/fail (scaled cut score set by Prometric/DOI)
Exam Fee
$39 per exam ($49 combo reservation option) (Massachusetts Division of Insurance / Prometric)
MA Life & Health Exam Content Outline
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
How to Pass 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 fee: $39 per exam ($49 combo reservation option)
Keys to Passing
- Complete 500+ practice questions
- Score 80%+ consistently before scheduling
- Focus on highest-weighted sections
- Use our AI tutor for tough concepts
MA Life & Health Study Tips from Top Performers
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.