Getting your insurance license is the first step to becoming an insurance agent in Massachusetts. Life insurance, car insurance, home insurance, or business insurance all require a license to sell in any state.


    How To Get Your Insurance License In Massachusetts

    Follow our step-by-step guide to get your insurance license in Massachusetts.


    Step 1

    Step 1. Which Types of Insurance Licenses Do You Need?

    Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get.

    These are examples of the types of insurance policies you can sell with each type of license:

    Most insurance agents choose to get both of these licenses, but if you will only sell one type of policy then you just need to choose which license fits your needs.


    Step 2

    Step 2. Insurance Pre-Exam Education

    After you’ve determined which licenses you need, it’s time to begin studying for the Massachusetts insurance exams.

    Massachusetts does not require you to take a certain amount of pre-license credits before testing. This means that studying for your exam is 100% up to you.

    Most folks choose to take an insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. Others purchase books or other self-study tools to prepare themselves.

    It’s wise to take a week or so to dedicate to your study of this exam. If you don’t feel as though you’re a strong test taker, take a little longer, but don’t let it drag out for long. We want you to pass your test the first time you take it, and we know that you can do it.

    Recommended Course

    For insurance license exam courses and study tools, StateRequirement recommends:

    Step 3

    Step 3. Massachusetts Insurance License Exams

    The next step after completing all of your pre-license coursework or self-study is to take the insurance exam. You will take one exam for each line of insurance you wish to carry. When you show up you must have a photo ID any other documents that the testing facility has asked you to bring.

    This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

    The fee for each attempt of the exams is $39 if scheduling separately. You may also choose to register for “like exams” at the same time for a fee of $49. This means that if you schedule your Property exam and your Casualty exam at the same time, that you would be saving $29. (You don’t have to take the tests back-to-back, you just have to register for both of them at the same time.) This is also true for Life and Accident & Health exams.

    All four (4) of the tests, Life, Accident & Health, Property, and Casualty are one hundred (100) questions long, and you have two hours (2:00) to complete them. A minimum score of 70% correct is required to pass each exam.

    Prometric provides content outlines for each of the exams:

    Massachusetts Life Insurance Exam Content Outline

    Massachusetts Accident & Health Insurance Exam Content Outline

    Massachusetts Property Insurance Exam Content Outline

    Massachusetts Casualty Insurance Exam Content Outline

    Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.


    Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.


    StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

    You may register to take your exams and find more information on the Prometric Massachusetts Insurance Exams page. You may also find much more information on the exams in the Massachusetts Division of Insurance Licensing Information Handbook.


    Step 4

    Step 4. License Application

    Once you have completed your exams, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.

    The fee for an online application is $225 for Life, Accident, and Health, or $300 for Property and Casualty. If applying for both at the same time, the total will be $300.

    If you choose to get the licenses one at a time, and you get the Life, Accident, and health first, then it will be $225. When you go to add your Property and Casualty line, they will only charge you $75.

    If you get the Property and Casualty first, then they will charge you $300, then adding your Life, Accident, and Health is free.

    Fill out and submit your online application on the NIPR Massachusetts Insurance website.


    Step 5

    Step 5. Application Review

    Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check initiated by the application will also be reviewed.

    If everything is to acceptable standards your license should be issued quickly. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

    The review of the application should take about two (2) business days. Once they accept your application, they will issue your license and send you a hard copy in the mail.



    You’ve done the work, put in the time and effort, and now hold the key to your own success!  We’re proud of you. Take five (5) minutes and celebrate.

    After Licensing, What's Next?

    Now that you have your license, use the StateRequirement Job Board to find the opening to your new career.

    Massachusetts Department Of Insurance Contact Information

    Mailing Address:

    Commonwealth of Massachusetts
    Division of Insurance
    1000 Washington Street, Suite 810
    Boston, Massachusetts 02118-6200

    Phone: (617) 521-7794

    Fax: (617) 753-6883

    Email: [email protected]


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    Information on this page has been gathered by a multitude of sources and was most recently updated in December 2020.

    Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliated with any state, government, or licensing body. For more information, please contact your state's authority on insurance.

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