Massachusetts
Verified Nov 8, 2026 · Source: Candidate Handbook, June 2026
- Testing vendor
- Pearson VUE
- Testing format
- Not offered — all candidates must test in person at an authorized Pearson test center.
- Before registering
- Review the resident-producer eligibility and any education or approval requirements on the official state licensing page before booking.
Exam options & fees
- Producer — Life Insurance$37License application basis: $225 · Source
- Producer — Accident and Health, or Sickness Insurance$37License application basis: $225 · Source
- Limited Lines of Credit Insurance$10License application basis: $225 · Source
License application amounts are not a new charge for every exam component. Separate examinations, combined examinations and discounted sessions are labeled above.
Other licensing costs
- License application — standard Life / Health route$225Official source
- NIPR transaction — only if applying through NIPR$5.60 per applicationOfficial source
- Other vendor / processing chargesCheck the official page for any additional processing chargesOfficial source
- Fingerprinting / backgroundFingerprinting costs are listed below. Some states collect them with your application; any included charge is not an additional fee.
Go directly to the official source
Location and remote availability depend on examination eligibility, date and vendor rules.
Register for the Massachusetts insurance agent exam
- Review the resident-producer eligibility and any education or approval requirements on the official state licensing page before booking.
- Open the official testing program; create an account using the legal name on your identification.
- Choose the correct examination and permitted testing format, select an appointment, and pay the official examination fee.
- Keep the confirmation. Review the handbook’s exact name-match, photo ID, certificate, check-in, cancellation and retake requirements.
After passing
Apply through NIPR after passing and complete the state’s remaining licensing requirements.
Fingerprinting & background checks
- Requirement
- Not listed as required in reviewed official instructions; confirm with the state
- State instructions
- No routine fingerprint step found in official producer licensing materials; application/background review still applies.
- Vendor / contact
- Massachusetts Division of Insurance
- Separate cost
- See official page — amount not confirmed
When to fingerprint, fee details & official sources
- When in the process
- No routine fingerprint timing stated; answer all application background questions and follow individual DOI requests.
- Fee / route notes
- Not applicable to a routine fingerprint requirement; no separate fingerprint fee verified. This does not waive criminal-history disclosures or possible additional investigation.
Additional life-related, restricted & specialty license types (3)
These are not shortcuts to unrestricted Life & Health authority. Appointment, securities, employer, tenure and exemption conditions can apply.
Insurance Producer — Credit
- Examination
- Limited Lines of Credit Insurance
- Exam fee
- $10
- Application
- $225
Insurance Producer — Variable Life & Variable Annuity
- Examination
- No state insurance examination required for this authority
- Exam fee
- Not required — state insurance exam
- Application
- $225
Life Settlement Broker — Life Settlement Broker (specialty)
Confirm with the state- Examination
- Exact specialty examination / exemption: confirm with the state
- Exam fee
- See official page
- Application
- $225
Specialty settlement brokerage is not the standard Life insurance agent license. Underlying Life-license tenure, registration exemptions and other eligibility rules may apply; confirm before paying.
Non-resident licensing summary
Already licensed in another state? Qualifying matching Life / A&H authority usually does not require a new target-state exam. Home-state-dependent fees, fingerprint exemptions and other conditions differ from the resident path. Confirm your final eligibility and payment total on the official application.
Non-resident state fees
- Life-only state application
- $225
- A&H-only state application
- $225
- Life + A&H in the same application
- $225
- NIPR transaction — separate, only for NIPR applications
- $5.60 general initial-application transaction fee; confirm the final charge for your selected state and application with NIPR before paying.
Per application. $75 lead-paint surcharge applies only to Property, Casualty or Personal Lines, not Life/A&H.
Fingerprinting & background
- Requirement
- Not required on the qualifying reciprocal pathway — see official scope and exceptions
- State instructions
- No routine additional fingerprint submission on the qualifying reciprocal pathway. G.L. c.175 §162U(a) expressly waives requirements except §162N for valid reciprocal home-state licensees. The enumerated nonresident conditions impose no routine fingerprint submission. This conclusion rests on the EXPRESS waiver, not merely silence in a checklist. Separate disciplinary/1033 consent review is outside this ordinary pathway.
Continuing education and other notes
Maintain equivalent active home-state authority and continuing education. Massachusetts generally recognizes reciprocal home-state credits. Confirm any state-specific education or fingerprint requirement with the Department; the detailed FAQ and education guidance were unavailable when checked.
Non-resident license types
Insurance Producer
- Lines
- Life
- Fee
- $225
Insurance Producer
- Lines
- Accident & Health (Health/Sickness)
- Fee
- $225
Insurance Producer
- Lines
- Life, Accident & Health (Health/Sickness)
- Fee
- $225
Both authorities on one application, not necessarily a distinct combined license class.
General non-resident rules
- Valid active resident home-state producer license in good standing; reciprocal home-state licensingG.L. c.175 §162U(a) expressly waives requirements except §162N for valid reciprocal home-state licensees. Ordinary reciprocal licensing requires no additional target-state exam; maintain the matching home-state authority.