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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 answer: The Massachusetts Life & Health insurance license exam is administered by PSI as a 150-question combined exam with a 180-minute limit, and you need 70% to pass. Massachusetts does not require pre-licensing education before you sit. The exam fee is $55 per attempt.

Try the free Massachusetts practice exam →

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.

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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.

What it costs to get licensed in Massachusetts.

Plan for roughly $320–$355 in mandatory Massachusetts state and vendor fees before any study materials.

License application
$225
Exam fee
$55 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
Not required

A retake means paying the $55 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

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.