How To Become An Insurance Agent In Massachusetts


What Kind Of Agent Are You Going To Be?

A majority of people who are applying for their insurance license have a plan in already in place of where they are going to use it. If you don't yet have a plan on how you will be using your insurance license, this is the place to start. Here are some of the questions that you should ask yourself:
  • What type of insurance am I going to sell?
  • Am I starting my own agency or working inside of an existing agency? 
    • It may depend on how your agency is set up to tell you what type of licenses you need to hold.
  • What types of licenses does my company require me to hold? 

How To Get Your Insurance License In Massachusetts

1. Pre-Exam Education

The first step in getting a Massachusetts insurance license is passing your license exam. So why do we say the first step is pre-license education? The reason is simple. We want you to pass your test the first time you take it. These courses or study materials are not a required step in getting your insurance license in Alaska, but they are highly recommended.

Most applicants choose to take these courses online, as it fits their schedule better, but there are also in-person courses available. You should choose which format in which to take your courses based on your preferred method of learning. The goal isn't just to get the courses out of the way, it's to prepare you to pass your license exam on the first attempt.


For pre-license education products and courses, StateRequirement recommends:

2. 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 the 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 familiarity 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.

Note: 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.

3. 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.

4. 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.

Massachusetts Department Of Insurance Contact Information

Mailing Address:

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

Phone: (617) 521-7794
Fax: (617) 753-6883
Email: [email protected]

Information on this page has been gathered by a multitude of sources and was most recently updated in April 2019.

Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. Huge Hammer LLC and its members and affiliates are not responsible for any losses, monetary or otherwise. For more information, please contact your state's authority on insurance. Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.