Massachusetts Insurance License Classes Online

Looking for an Massachusetts insurance school? XCEL is the nation’s leading online insurance license school. XCEL has you covered with high-quality Massachusetts insurance license courses, industry expertise and convenience. All of XCEL's Massachusetts courses are approved by the Massachusetts Division of Insurance.
Online Course

Massachusetts Life and Health Pre-licensing

Online Course

Massachusetts Life Pre-licensing

Online Course

Massachusetts Health Pre-licensing

Online Course

Massachusetts Property and Casualty Pre-licensing

Online Course

Massachusetts Casualty Pre-licensing

Online Course

Massachusetts Property Pre-licensing


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Massachusetts State Insurance Licensing Requirements


The state of Massachusetts has no formal pre-licensing education requirement however it is recommended as the prelicensing course is designed to prepare candidates for the State Licensing Examination.

Complete the prelicensing course.

  • Life Only
  • Accident & Health Only
  • Life, Accident & Health
  • Casualty Insurance
  • Property Insurance
  • Property and Casualty
  • Personal lines

Course requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
  • Assessments on key topics throughout the course and must be successfully passed with a minimum score of 70% before moving onto the next chapter.

Schedule the Massachusetts State examination.

Limitation on repeat examinations:

  • There are no limits on exam retakes.

Online proctored exams:

  • You must check the compatibility of your computer before registering for the exam.
  • If your computer is not compatible with the online software, you will need to schedule your examination at the Prometric test center.

Pass your state exam

  • Take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course during the waiting period.
    • Prep Review Course: This part of the training features content “boiled down to the essence” of the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”.
  • On the day of testing, you must present one form of identification bearing your signature, which must be a valid government issued photo id.

Apply for license

  • AFTER you pass the exam, you must complete your license and fingerprints at PROMETRIC.
  • Submit license application online through using the kiosks at the Prometric test center.
  • Application fee $225 plus processing fee
  • Additional fee: Producer applicants applying for Casualty, Property, and/or Personal Lines are charged an additional $75 lead paint surcharge fee.
  • If you answer “Yes” to a background question on the application, submit your written statement accompanied by corresponding court documents (printouts from a court’s web site are not acceptable) as part of your NIPR electronic license application using the Attachments Warehouse
  • If you need to submit other additional documents as part of your NIPR electronic license application, use the Attachments Warehouse.
  • NIPR verifies exams prior to allowing submission of an application.


Prometric Exam Outlines

DESCRIPTION Question Count % of Exam Questions
Life Health Life Health
Life Insurance
Insurance Regulation 8 0 8% 0%
General Insurance 6 0 6% 0%
Life Insurance Basics 20 0 20% 0%
Life Insurance Policies 15 0 15% 0%
Life Insurance Policy Provisions, Options and Riders 24 0 24% 0%
Annuities 14 0 14% 0%
Federal Tax Considerations for Life Insurance and Annuities 7 0 7% 0%
Qualified Plans 6 0 6% 0%
Health Insurance
Insurance Regulation 0 9 0% 9%
General Insurance 0 8 0% 8%
Accident and Health or Sickness Insurance 0 11 0% 11%
Individual Accident, Health or Sickness Insurance Policy General Rights 0 8 0% 8%
Disability Income and Related Insurance 0 8 0% 8%
Health Insurance Plans 0 20 0% 20%
Large Group Health Insurance 0 15 0% 15%
Dental Insurance 0 2 0% 2%
Insurance For Senior Citizens and Special Needs Individual 0 15 0% 15%
Federal Tax Considerations for Health Insurance 0 4 0% 4%
Total for all parts
Total Scored Questions on Exam 100 100
Maximum Time allowed to complete exam in minutes 120 120 120 120
Passing Score 70 70 70 70


DESCRIPTION Question Count % of Exam Questions
Casualty Property Casualty Property
Casualty Insurance
Insurance Regulation 10 0 10% 0%
General Insurance 10 0 10% 0%
Casualty Insurance Basics 18 0 18% 0%
Homeowners Policy 16 0 16% 0%
Auto Insurance 15 0 15% 0%
Commercial Package Policy 8 0 8% 0%
Businessowners Policy 6 0 6% 0%
Workers Compensation Insurance 9 0 9% 0%
Other Coverages and Options 8 0 8% 0%
Property Insurance
Insurance Regulation 0 10 0% 10%
General Insurance 0 10 0% 10%
Property Insurance Basics 0 20 0% 20%
Dwelling Policy 0 4 0% 4%
Homeowners Policy 0 17 0% 17%
Auto Insurance 0 13 0% 13%
Commercial Package Policy 0 10 0% 10%
Businessowners Policy 0 11 0% 11%
Other Coverages and Options 0 5 0% 5%
Total for all parts
Total Scored Questions on Exam 100 100
Maximum Time allowed to complete exam in minutes 120 120 120 120
Passing Score 70 70 70 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Register for exam
3. Pass exam
4. Apply for license

Governing Agency

Name: Massachusetts Division of Insurance
Phone: 617-521-7794
Address: 1000 Washington Street, Suite #810 Boston, MA 02118-6200

Working as an Insurance Agent

Property and Casualty Insurance Agents

What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.

For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.

Life Insurance Agents

What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.

Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.

Why Students Choose XCEL

XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.

Wide Variety
of Study Options

Our programs offer E-books, videos, simulated state exams, flashcards, review notes, and the best instructor support in the industry.


XCEL offers a unique three-step training program instructionally designed to prepare you to pass the first time.


XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Our courses are built around questions similar to those seen on the exams.

Don’t Delay, Start Today!

View insurance courses below to find out what pre-licensing courses are required for your state.