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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.
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
Life General Knowledge
Life policy types, provisions, underwriting/delivery, replacement basics, and retirement/annuity concepts from the national life section (50 scored items)
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)
Maine Common Law and Regulation
Superintendent authority, licensing classes, appointments, unfair practices, producer responsibilities, privacy, and third-party cancellation notices (18 scored items)
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
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.