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Question 1

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Which state agency regulates insurance producers and insurers in Maine?

Maine Department of Professional Regulation

Maine Bureau of Insurance

Maine Department of Administrative and Financial Services, Licensing Division

Maine Office of Financial Institutions

to track

2026 Statistics

Key Facts: ME Life & Health Exam

12-ME-01

Exam Code

Pearson VUE Maine handbook

136

Exam Questions

Pearson VUE Maine handbook exam table

210 min

Time Limit

Pearson VUE Maine handbook exam table

Scaled 70

Passing Score

Pearson VUE Maine scoring section

$85

Exam Fee

Pearson VUE Maine handbook exam table

24 CE / 3 ethics

Renewal CE

24-A M.R.S. §1482

As of February 28, 2026, Pearson VUE lists Maine exam 12-ME-01 at 136 questions, 210 minutes, a scaled passing score of 70, and an $85 fee. The Maine supplement outline effective February 2, 2026 uses 50 scored life-general questions, 50 scored health-general questions, and 36 scored Maine-law questions. Maine also tests producer compliance heavily, including 15-day insurer appointment filing under 24-A §1420-M, biennial CE under §1482 (24 credits with 3 ethics), and the apprentice producer license framework that began January 1, 2026 under §1420-Q.

Sample ME Life & Health Practice Questions

Try these sample questions to test your ME Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which state agency regulates insurance producers and insurers in Maine?

A.Maine Department of Professional Regulation

B.Maine Bureau of Insurance

C.Maine Department of Administrative and Financial Services, Licensing Division

D.Maine Office of Financial Institutions

Explanation: The Maine Bureau of Insurance is the state regulator for insurance licensing, market conduct, and consumer protection. On exam questions, state enforcement and producer oversight authority is tied to the Bureau and Superintendent of Insurance.

2What is the Pearson VUE exam code for Maine's combined Life, Accident and Health Producer exam?

A.12-ME-01

B.12-ME-02

C.12-ME-03

D.12-ME-10

Explanation: The combined Maine life and health producer exam is listed as 12-ME-01 in the current Pearson VUE Maine handbook. Registering under the exact code matters because each code maps to a specific line of authority exam.

3How many questions are listed for Maine exam 12-ME-01 in the Pearson VUE exam table?

A.120

B.136

C.150

D.160

Explanation: The Maine handbook exam table lists 136 questions for 12-ME-01. Candidates should still review the content outline structure because pretest items are embedded in the exam experience.

4What is the testing time limit for Maine exam 12-ME-01?

A.150 minutes

B.180 minutes

C.210 minutes

D.240 minutes

Explanation: The candidate handbook lists 210 minutes for Maine's combined life and health exam. Strong pacing is critical because the exam blends national product content with Maine law.

5What is the current listed exam fee for Maine exam 12-ME-01?

A.$75

B.$80

C.$85

D.$95

Explanation: Pearson VUE's Maine exam table lists the fee for 12-ME-01 at $85. The exam fee is separate from post-exam licensing transaction and renewal costs.

6What passing standard applies to the Maine life and health producer exam?

A.65% raw score

B.70% scaled score

C.75% scaled score

D.80% raw score

Explanation: The Maine handbook states that insurance exams use a scaled score and require 70 to pass. A scaled score means the reported passing threshold is standardized across test forms.

7What is the effective date shown on the current Maine Insurance Supplement Examination Content Outlines?

A.January 1, 2026

B.January 8, 2026

C.February 2, 2026

D.July 1, 2026

Explanation: The current Maine Insurance Supplement Examination Content Outlines are marked effective February 2, 2026. Candidates should always verify there is no newer published outline before test day.

8For resident producer applicants in Maine, what prelicensing classroom-hour rule applies to life and health licensing?

A.20 hours are required for each line

B.40 hours are required for the combined line

C.No mandatory prelicensing classroom hours are required

D.60 hours are required unless the applicant has a degree in business

Explanation: Maine's producer guidance states there is no fixed prelicensing classroom-hour requirement in the standard resident pathway. Applicants still must pass the required exam and satisfy licensing eligibility rules.

9What minimum age is required to obtain a Maine resident insurance producer license?

A.16

B.18

C.19

D.21

Explanation: Maine requires resident producer applicants to be at least 18 years old. Age is a threshold eligibility requirement that must be met before licensing approval.

10Under 24-A M.R.S. §1420-M, when must an insurer file a producer appointment notice with the Superintendent after an agency contract is executed?

A.Within 10 days

B.Within 15 days

C.Within 30 days

D.At next renewal

Explanation: Section 1420-M requires the insurer to file notice of appointment within 15 days of contract execution. Appointment timing is frequently tested because it governs lawful authority to represent a carrier.

About the ME Life & Health Exam

Maine's combined 12-ME-01 producer exam tests national life and health concepts plus Maine-specific law on licensing, unfair practices, life replacement and suitability, Medicare supplement, and mandated health coverage rules.

Questions

136 scored questions

Time Limit

3 hours 30 minutes (210 minutes)

Passing Score

Scaled score of 70

Exam Fee

$85 (Maine Bureau of Insurance / Pearson VUE)

ME Life & Health Exam Content Outline

37%

Life General Knowledge

Life policy types, provisions, underwriting/delivery, replacement basics, and retirement/annuity concepts from the national life section (50 scored items)

37%

Health General Knowledge

Health policy types, policy provisions/riders, social insurance, field underwriting, and disability/medical concepts from the national health section (50 scored items)

13%

Maine Common Law and Regulation

Superintendent authority, licensing classes, appointments, unfair practices, producer responsibilities, privacy, and third-party cancellation notices (18 scored items)

13%

Maine Line-Specific Law

Life-only rules (disclosure, replacement/suitability, viatical/life settlements) and health-only rules (mandated benefits, Medigap, LTC, appeals, ACA, and continuation) (18 scored items)

How to Pass the ME Life & Health Exam

What You Need to Know

Passing score: Scaled score of 70
Exam length: 136 questions
Time limit: 3 hours 30 minutes (210 minutes)
Exam fee: $85

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

ME Life & Health Study Tips from Top Performers

1Memorize exam logistics first: 12-ME-01, 136 questions, 210 minutes, scaled 70 pass score, and $85 fee

2Study by official weighting: life general (50), health general (50), then Maine law (36) with statute-linked review

3Drill Maine producer-law deadlines and duties: insurer appointment timing, administrative/criminal reporting, CE and ethics requirements

4Use scenario practice for Maine unfair practices, life replacement/suitability, Medigap, mandated health benefits, and emergency services

5Run full timed blocks to build endurance for long mixed-content sessions and reduce state-law misses late in the exam

Frequently Asked Questions

What are the core format details for Maine exam 12-ME-01?

Pearson VUE lists Maine's combined Life, Accident and Health Producer exam (12-ME-01) at 136 questions with a 210-minute limit. The required passing standard is a scaled score of 70, and the listed exam fee is $85.

How is Maine's content outline weighted?

The 2026 Maine supplement shows 50 scored life-general questions, 50 scored health-general questions, and 36 scored Maine-law questions. Inside the state-law block, 18 are common law, 4 are life-specific, and 14 are health-specific.

Does Maine require prelicensing classroom hours before taking life and health?

Maine's producer guidance does not set a fixed prelicensing classroom-hour requirement in the standard resident producer path. Candidates still must pass the required exam and complete all licensing filing requirements.

What post-license CE rules are most tested for Maine?

Under 24-A §1482, resident producers generally complete 24 CE credits every 2 years, including at least 3 credits in ethics. The same section also addresses line-credit distribution and limited carryover rules in later renewal cycles.

What 2026 Maine updates should I know before exam day?

Maine's insurance supplement outline is effective February 2, 2026, and current Pearson VUE handbook references reflect 2026 administration details. Maine also began the apprentice producer license framework on January 1, 2026 under 24-A §1420-Q.