Massachusetts Insurance Licensing Guide

Massachusetts Insurance Licensing Requirements

Standard Requirements

All applicants for a Massachusetts insurance license must meet Massachusetts’s eligibility standards. Some eligibility requirements are standard across all states. The full list is available in our U.S. Licensing Guide.

Massachusetts Specific Licensing Process

In addition to the common licensing requirements, most new applicants must also complete the following steps. Exemptions may apply based on prior licensure, active license status, or qualifying professional designations:

Where Do You Get an Insurance License in Massachusetts?

In Massachusetts, insurance licenses are regulated by the Commonwealth of Massachusetts Division of Insurance.

Did You Know?

What are the Massachusetts Insurance License Types and Lines of Authority?

The following table lists the common license types and lines of authority for Massachusetts.

Application Type	License Type	Lines of Authority
Individual	Producer	Life, Accident & Health or Sickness, Property, Casualty, Personal Lines, Credit, Variable Life & Variable Annuity, Travel, Limited Lines, Surplus, Reinsurance Intermediary, Motor Vehicle Damage Appraiser, Life Settlement Broker
Individual	Adjuster	Public Adjuster
Business Entity	Agency or Firm	Producer – Corporation, Adviser – Corporation, Public Adjusting Firm, Surplus Lines, Life Settlement Brokerage, Reinsurance Intermediary Brokerage

What are Massachusetts’s Insurance Licensing Fees?

Non-refundable licensing fees apply throughout the licensing process for licenses, exams, fingerprinting, and other services as follows.

Fee Category	Fee	Applies To	Notes
Producer License and Renewal Fee	$225.00	Individual resident and non-resident initial licenses and renewals	Applicants who are 1) Massachusetts residents and veterans and/or 2) legally blind, are exempt from the fees. NIPR transaction fees may also apply.
Producer with P/C or PL LOAs	$300.00	Individual producer licenses with Property and Casualty or Property and Life LOAs	Includes the standard license fee plus a $75.00 lead paint surcharge fee. NIPR transaction fees may also apply.
Public Adjuster License	$200.00	Individual insurance adjuster licenses and renewals	NIPR transaction fees may also apply.
Business Entity License and Renewal Fee	$66.66 – $75.00	Business entity new licenses and renewals	Adjusting firms pay $66.66 per member and agencies pay $75.00 per member. Business entities renew annually. NIPR transaction fees may also apply.
Late Renewal Fee	$450.00 – $525.00	Individual licenses renewed after the renewal deadline and within 12 months of the expiration date.	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. NIPR transaction fees may also apply.
State exam	$39.00 (single) $49.00 (combined)	License classes that require an exam
Standard appointment	$75.00 per license class/member	Resident and non-resident appointments	NIPR transaction fees may also apply.

Massachusetts Continuing Education Requirements

The exam and CE requirements depend on the type of license and lines of authority. Candidates can schedule initial licensing exams through Pearson VUE. Choose a CE provider from the course lookup tool.

Massachusetts CE requirements are available on the Massachusetts Division of Insurance website. CE requirements typically include 60 hours of CE before the first renewal and a subsequent 45 hours every 3 years, including 3 hours of ethics before the renewal deadline. Public insurance adjusters typically complete 15 hours of CE per renewal cycle.

Common Massachusetts Licensing Compliance Mistakes 

Massachusetts’s licensing process creates several compliance risks for individual licensees and organizations managing multiple producers.