What Does the Massachusetts Insurance Exam Cover?
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Quick Answer
- Pearson VUE runs the Massachusetts insurance exams for the Massachusetts Division of Insurance, in person only, and each line of authority has its own exam.
- Each producer exam has 50 scored general questions and 30 scored Massachusetts law questions, plus unscored pretest questions, and you need a scaled score of 70.
- A Life and Health or Property and Casualty license means passing two separate exams, so we'd book them on different days.
Each Massachusetts producer exam covers one line, with 50 scored questions on products and concepts and 30 on Massachusetts law. The exams now run through Pearson VUE, in person only, and there's no combined version. Since a Life and Health license means two full exams, we'd book them on separate days.
What Changed With the Massachusetts Insurance Exam?
Massachusetts moved its exams to Pearson VUE, and the format and scoring changed with it. The Division now uses Pearson VUE for every insurance licensing exam, and its exam pageInsurance Examinations And Continuing Education Info Details says exams must be taken in person at a Pearson test center, with no remote option. Passing is now a scaled 70. If a study guide tells you to book with Prometric or test from home, it's out of date.
You register through Pearson VUE MassachusettsEn Ma Insurance.html Us, and the MA candidate handbookDam VUE Vue En Documents Publications 122300.pdf Content requires reservations at least 48 hours before your exam.
What Does Each Massachusetts Exam Cover?
Every exam's Massachusetts section starts with rules for all lines, including licensing, the Commissioner's powers, producer regulation, and unfair practices such as rebating and misrepresentation. The rest depends on your line.
- Life: types of policies, riders and provisions, underwriting, and retirement and tax rules, plus Massachusetts rules on replacement, buyer's guides, policy summaries, and the free look period.
- Accident and Health: disability income, medical expense plans, Medicare supplements, and long term care, plus Massachusetts rules including the individual mandate for minimum creditable coverage and MassHealth.
- Property: homeowners and dwelling forms, commercial property, and flood, plus the Massachusetts standard fire policy, lead paint liability, and the Massachusetts FAIR Plan.
- Casualty: liability, auto, workers compensation, crime, and bonds, plus Massachusetts compulsory auto insurance, personal injury protection, the assigned risk plan, and the state workers compensation act.
- Personal Lines: a single exam with 75 scored general questions and 30 scored Massachusetts questions.
Massachusetts law is 30 of 80 scored questions on a producer exam, more than North Carolina's examPre License How Hard Is The North Carolina Insurance Exam And How Should You Prepare Resources at 14 of 55 and less than Missouri's examPre License What To Expect On The Missouri Insurance Exam Resources at 40 of 90. The full topic list is in the Massachusetts content outlinesDam VUE Vue En Documents Publications 122301.pdf Content.
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Why Book Your Two Exams on Different Days?
Each exam is a full sitting on its own, and fatigue lands on the second one, which is usually the one you've practiced least. Splitting them also gives you a read on how ready you are before you sit the second exam. A failing report from the first shows exactly where you were weak.
The cost is a second trip to a test center, since there's no remote option, and maybe a few extra days before you're licensed. Same day testing still makes sense for someone already scoring 85 percent or better on timed practice for both lines who needs the license fast for a job start. If you haven't picked a license yet, our license comparison and first license guide can help.
How Is the Massachusetts Exam Scored?
You need a scaled score of 70 on each exam, and the handbook is clear that a scaled score isn't the number or percentage of questions you got right. You get a pass or fail report before leaving the test center. A failing report includes your numeric score and diagnostic information, and a retake means registering again and paying a new fee.
What Can Slow Down the Licensing Process in Massachusetts?
- Following old Prometric instructions. Massachusetts exams are booked through Pearson VUE now.
- Booking too late. Reservations need at least 48 hours of lead time, and changes inside 48 hours cost you the fee.
- The wrong ID. You need one current, government issued photo ID with your signature, and the name must exactly match your registration.
- Booking both exams back to back, then failing the second and paying again.
Once you pass, you apply through NIPR. Our study routine guide helps with the prep, and if you're leaning toward property, our look at a P&C career is worth a read.
Frequently Asked Questions
Can You Take the Massachusetts Insurance Exam Online?
No. Massachusetts insurance licensing exams are now given in person only at Pearson test centers. Remote testing is not available.
How Many Questions Are on the Massachusetts Insurance Exam?
Each producer exam for Life, Accident and Health, Property, or Casualty has 80 scored questions, 50 general and 30 on Massachusetts law, plus unscored pretest questions. Personal Lines has 105 scored questions.
Is There a Combined Life and Health Exam in Massachusetts?
No. Massachusetts tests Life and Accident and Health as separate exams, and the same goes for Property and Casualty. A two line license means passing two exams.
Which Massachusetts Exam Should You Prep For First?
Whichever line your job needs first. Start Aceable Insurance Massachusetts exam prep, which follows the Massachusetts content outlines line by line, so you can pass one exam and move straight to the next. Massachusetts exam prep includes a Pass Guarantee.
The course is built for the Massachusetts exam.