How To Get An Insurance License in Massachusetts

Licensing Information

Licensing Steps

Studying for Exam

Scheduling the Exam

Parts of the Exam

Renewal Information

How to Renew

Continue Education

Expired License

Nonresident License

Q: What type of insurance license is needed to offer Medicare plans in Massachusetts?

Accident and Health or Sickness Producer Insurance License 

Q: What are the Licensing Steps in Massachusetts?

Step 1 (optional): Complete an optional pre-licensing course that helps prepare you to take and pass your licensing exam. We recommend using ExamFX.

Step 2: Schedule your exam with your state’s testing provider, Prometric. The fastest way to schedule your exam is to do so online at You can also schedule your exam over the phone at (866) 370-3411. Your examination fee is $49 for a combination exam and $39 for single line or limited line exams.

To change of cancel your testing appointment, you must contact Prometric at least 24 hours in advance or forfeit the examination fee.

Step 3: Take and pass you state licensing exam. On the day of your appointment you must bring with you a valid form of government issued identification (driver’s license, passport, military I.D., etc.) which must contain a photograph. You will not be able to take your exam if these requirements are not met.

At the end of the exam, the score will be shown on the screen and you will receive a printed score report.

Step 4: Apply for your license via NIPR at or send the license application form and other required materials to the Massachusetts Department of Insurance. You must wait 48-72 hours after passing the examination, before submitting the electronic application. Forms and more information can be found at the Department’s Licensing webpage.

License Fee is $225 for Residents and Non-Residents.

Step 6: Maintain your license by being aware of your continuing education requirements. Most insurance licenses must be maintained by completing a certain number of credit hours of continuing education each licensing period. ExamFX offers continuing education courses that will help you comply with your state’s requirements.

Q: How do I study for my health insurance license exam in Massachusetts?

You are free to use materials of your own choosing to prepare for the license exam. Different publishers provide materials to assist you in preparing for insurance licensing exams. These materials take different approaches and you should choose one that meets your needs. Neither the Office of the Commissioner of Insurance nor Prometric reviews or approves these study materials

We recommend using ExamFX for pre-licensing study.

Q: How do I schedule to take my health insurance exam in Massachusetts?

  1. You can easily register and schedule your exam online at any time using the Internet Registration Service by going to:  
  2. Click on Create or Login to Your Account to register. 
  3. Click on Schedule Your Test and follow the prompts.

If you are unable to schedule online, you may schedule the examination by calling (800) 741-9380 between 8 a.m. and 9 p.m. (Eastern Time), Monday through Friday, and between 10 a.m. and 3 p.m. (Eastern Time), Saturday and Sunday. Please have your exam information and credit card information for payment available.  

Q: Are there different parts to the health insurance exam?

There are 10 sections of the test in Massachusetts:

  1. General Insurance
  2. Accident, Health or Sickness Insurance Basics
  3. Individual Accident, Health or Sickness Insurance Policy General Rights
  4. Disability Income and Related Insurance
  5. Medical Plans
  6. Group Health Insurance
  7. Dental Insurance
  8. Insurance for Senior Citizens and Special Needs Individuals
  9. Federal Tax Considerations for Sickness and Accident Insurance
  10. Insurance Regulation

Q: How do I apply for a nonresident health insurance license in Massachusetts?

Non-Resident Licensing Checklist for Individuals

  • Please note: You must first hold an Individual Producer license in your resident state prior to applying in MA. Your resident state license status and lines of authority will be confirmed via the NIPR Producer Database, prior to the issuance of a MA non-resident producer license.
  • Please complete the *NAIC Uniform Producer Application for Individuals or you may apply online via NIPR’s gateway at
  • *Once a license is issued, please do not submit a new application to add another new line of authority, but rather, inform the Division in writing, or via the Producer Update Mailbox at, include in your request which lines of authority you wish to add to your current license. If adding P & C or PL lines of authority, submit your requests in writing only and, enclose a check made payable to the Commonwealth of Massachusetts in the amount of $75.00 for the Lead Paint Surcharge. The Division will verify the new line of authority with the NIPR’s Producer database.
  • Submit the application with the proper licensing fee online at, or apply via paper NAIC Uniform application and submit with paper check fee made payable to the Commonwealth of Massachusetts.

Licensing fees are as follow:

  • Individual Producer License (no property, casualty or personal lines of authority) – $225.00
  • Individual Producer License with a property, casualty or personal lines of authority (includes Lead Paint Surcharge*): $300.00

Please send all non-online documents to: 
Division of Insurance
Attn: Producer Licensing
1000 Washington Street, Suite 810
Boston, MA 02118

Q: How do I renew my health insurance license in Massachusetts?

  • Producers who are ready to renew their licenses are now able to do so online, using the Division’s online system, OLLIE, at Producer licensees using the online OLLIE system are to process their online renewal applications on or before the expiration date of their current licenses. If the online Renewal/Continuation application is not filed on time, the renewing license and all affiliated appointments will be canceled due to non-renewal; there is penalty fee imposed after the renewal date has passed. Renewing business entity producers are now also able to renew online via NIPR’s gateway a
  • All Producers who are renewing via paper applications must submit their NAIC Renewal/Continuation applications for processing, prior to the expiration/renewal date. If the Renewal/Continuation application is not filed on time, the renewing license and all affiliated appointments will be canceled. These applications are to be sent to:

Division of Insurance
Attn: Producer Licensing
1000 Washington Street, Suite 810
Boston, MA 02118

 License Renewal Fee is $225 for Residents and $300 for Non-Residents.

Q: What do I do if my health insurance license has expired in Massachusetts?

Producers may apply for reinstatement through Resident License Renewal Application starting the day after the expiration date and up to one (1) year past the expiration date. Reinstatement applications will include a penalty fee. After the year has expired, the applicant must apply as a new applicant through NIPR’s Resident License Application.

Late Renewal Fee is $450 for Residents and $600 for Non-Residents.

Q: What do I do for Continuing Education to keep my health insurance license in Massachusetts?

  • Any insurance producer licensed to sell one or more lines of insurance listed in 211 CMR 50.03(1) shall satisfactorily complete 60 hours of approved instruction prior to the renewal date of his or her initial insurance license. 
  • Following the initial renewal, any person licensed to sell one or more lines of insurance shall satisfactorily complete, for each 36 month period prior to the renewal date of his or her license, 45 hours or equivalent of approved instruction. Said instruction shall include a program of instruction or seminar on Massachusetts Approved Ethics (MAE) equivalent to three classroom hours of instruction. The requirements of 211 CMR 50.04 may be met by the licensee in any of the lines of insurance for which he or she is licensed. Licensees are encouraged to take at least one credit hour of approved instruction in each line for which they are licensed. 

Massachusetts Licensing Information Handbook

Massachusetts Insurance Department Website