Can I take the Massachusetts insurance exam online?

No. Pearson's current guidance says all Massachusetts DOI licensing exams are administered in person at Pearson test centers, and remote testing is not offered.

How much does the Massachusetts insurance exam cost?

Pearson's June 2026 handbook lists $37 for each producer exam, including Life, Property, Casualty and Personal Lines. Retaking requires a new exam fee.

What score do I need to pass?

A scaled score of 70, which the Massachusetts DOI set with Pearson. The scaled score is not the same as the percentage of questions answered correctly.

How to Get Your Massachusetts Insurance License: Step-by-Step Guide

Q: How much continuing education does Massachusetts require?

60 hours before your first renewal, then 45 hours per 36-month period, including 3 hours of ethics. Excess hours carry forward.

Massachusetts producers are licensed by the Division of Insurance (DOI). Exams are run by Pearson, entirely in person, and the license application goes through NIPR after you pass.

Quick answer: Massachusetts uses separate Property and Casualty producer exams at $37 each (Life is also $37), with a passing score of 70. All DOI exams are taken in person at Pearson test centers — remote testing isn't offered — and you apply for the license through NIPR after you pass.

Step 1: Confirm you're eligible

You must be at least 18 and pass the exam for each line of authority you want. The Division reviews every application, and passing the exam does not guarantee a license.

Step 2: Prepare for the exam

Massachusetts law lets the Commissioner require a pre-licensing course "when required" (M.G.L. c. 175, § 162L), and Pearson's handbook notes that certain license types may require pre-licensing education or experience before you can schedule. Requirements vary by license type and change over time, so check the Division of Insurance for the line you want before you start. Exams include Massachusetts-specific law, so a course built on the Massachusetts outline pays off. See the Massachusetts courses →

Step 3: Schedule and pass the Pearson exam

Reserve at least 48 hours ahead through Pearson's Massachusetts page or by phone. All DOI licensing exams are in person at Pearson test centers; you choose a location when you book. Pearson's June 2026 handbook lists these producer exam fees:

Exam	Fee
Life	$37
Accident & Health or Sickness	$37
Property	$37
Casualty	$37
Personal Lines	$37

Because Property and Casualty are separate exams here, candidates who want both take both. The passing score is 70 on a scaled score. If you fail, you rebook and pay another exam fee.

Step 4: Apply for your license

After passing, apply for licensure through NIPR and submit any required documentation and fees; you can track your application status through State Based Systems. Pearson's handbook is clear that the Division reviews each application before issuing a license.

What it actually costs

Item	Cost
Pearson exam (per line, per attempt)	$37
License application fees	shown in NIPR at checkout
Pre-licensing course	check the Division for your line

Keeping your license

Massachusetts has a heavier continuing education schedule than many states: 60 hours before the first renewal, then 45 hours per 36-month period, including 3 hours of ethics (M.G.L. c. 175, § 177E). Excess hours carry forward, so earn them early.

Putting it together

Confirm the education rule for your line, prepare to the Massachusetts outline, book your in-person Pearson exam well ahead, then apply through NIPR.

Ready to start your Massachusetts license?

Start the Massachusetts Property & Casualty course → — built around the Massachusetts exam outline, with timed practice exams and a state-law section.

Start the Massachusetts Life Only course → — the same approach for the life exam.

Both are one flat price per license line: pay once, keep lifetime access, no subscription, and backed by our Pass Guarantee. Not sure which line to pick? Compare everything on the Massachusetts page, or book a 1-on-1 tutoring session and we'll help you choose and build a study plan.