Massachusetts · State licensing
Pass the Massachusetts Life & Health insurance license exam.
Massachusetts uses PSI and requires no pre-licensing education, but the application fee runs higher than most states — make your first attempt count.
Quick facts
- Testing vendor
- PSI
- Passing score
- 70%
- Pre-licensing hours
- Not required
- Application fee
- $225
- Exam fee
- $55 per attempt
- Combined exam length
- 150 Q · 180 min
Source: www.mass.gov. Confirm before you register, state schedules change.
Get on the Massachusetts waitlist.
We're building the Massachusetts-specific question bank now. Waitlist members get 14-day early access and the cheat-sheet PDF.
What's on the Massachusetts L&H exam.
The Massachusetts L&H exam is administered by PSI. The combined exam runs 150 questions with a 180-minute time limit. Passing requires 70%.
Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.
Massachusetts exam FAQ.
- Does Massachusetts require pre-licensing education?
- No mandatory pre-licensing course is required for L&H in Massachusetts — you can schedule the PSI exam directly.
- What's the Massachusetts passing score?
- 70%.
- Who regulates insurance licensing in Massachusetts?
- The Massachusetts Division of Insurance; PSI administers the exam.
- How much does it cost to get licensed in Massachusetts?
- Roughly $280 in mandatory fees: ~$225 license fee + ~$55 exam fee per attempt. Fees and hours change frequently. Confirm the latest figures on your state insurance department's site before you register.
Licensing in other states too?
Each state has its own vendor, hours, and fee schedule.