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last updated 25 Jul 2025

Massachusetts Licensing and Renewal Guide for Property and Casualty Insurance

What this guide will teach you:

How to apply for and renew a Massachusetts producer license for property and casualty.
Fees for obtaining and maintaining insurance licenses.
How to meet continuing education (CE) requirements and deadlines.
How to access resources and contact information to simplify the process.

Rules and Requirements for Massachusetts Property and Casualty

What is the minimum age to apply for a new license?

Applicants must be at least eighteen (18) years old.

Do I need to provide any specific identification to apply?

Yes, you must have either a SSN (Social Security Number) or a FEIN (Federal Employer Identification Number).

Is proof of residency required?

Yes, you are required to provide proof of residency within the state of Massachusetts.

Are there any exams I need to pass to get my license?

Yes, you must complete the pre-licensing education and pass the state-approved licensing exam.

Do I need to complete fingerprinting as part of the application process?

No, fingerprinting is not required.

Are there character requirements to qualify for a license?

Yes, you must pass a background check.

How to Apply for a New License

Applying for a New Producer License

Renewing a License

Renewing a License in Massachusetts

Complete and verify continuing education (CE)ⁱⁱⁱ hours.
Submit an electronic application and pay licensing fees through the NIPR.

Renewal Period: Licenses require renewal every 3 years before the licensee’s birth date. License renewals are possible up to 90 days before the expiration date.

Late Renewals: If a licensee fails to renew on time, the license can be reinstated within 12 months. A penalty of double the renewal fee applies after the due date. The fee is either $450.00 or $525.00 depending on the lines of authority.

Non-Resident Producer Licensing

Business Entity Applications

Massachusetts Producer Licensing Fees

Licensing fees apply for Massachusetts appointments, exams, and other services as follows.

Fees	Price	Exemptions
Resident/Non-Resident New License Fee	$225 (Property, Casualty and/or Personal Lines pay a $75 lead paint surcharge fee)	Applicants who are 1) Massachusetts residents and veterans and/or 2) legally blind, are exempt from the fees.
Resident/Non-Resident Renewal Fee	$225 (Property, Casualty, and/or Personal Lines LOAs pay a $75 lead paint surcharge fee.)
Resident/Non-Resident Late Renewal Fee	$450
Massachusetts License Exam Fee	$39 (single) $49 (multiple lines)^v

Disclaimer: Fees and requirements may change at any time without prior notice. For the most accurate and up-to-date details, we recommend verifying fees through the Commonwealth of Massachusetts directly.

Continuing Education (CE) Insurance Licensing Requirements in Massachusetts

CE requirements include:

60 hours of instruction before your first license renewal (Including 3 hours in ethics)
45 hours of instruction (including 3 hours in ethics) are due every 36 months thereafter

Exemptions: Non-resident agents completing CE in their resident states are exempt.

More information about Massachusetts CE requirements is available at the Commonwealth of Massachusetts website.

FAQs

When do I need to renew my Massachusetts producer license?

Licenses require renewal every 3 years before the licensee’s birth date. Renew your license anytime from 90 days before the expiration date.

What if I miss the Massachusetts producer license renewal deadline?

If a licensee fails to complete CE requirements a license will have to be reinstated after fulfilling CE requirements and paying a reinstatement fee ($450 residents or $525.00 depending on the lines of authority). If the licensee fails to renew within one year, the licensee must apply as a new applicant.

How can I track my Massachusetts producer CE credits?

Use the NIPR Continuing Education Requirements page to verify your CE credits.

Where can I check my Massachusetts insurance license application status?

You can check your application status on the NIPR website.

Sources

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