How to become an insurance agent in Massachusetts
Massachusetts insurance agents are licensed by the Massachusetts Division of Insurance. Here is what it takes to work as a licensed insurance agent in Massachusetts, from official sources checked November 4, 2026.
Part of the state's website could not be reached when we checked, so some details come from Massachusetts law and official forms. Confirm them on the official page before you apply.
Who can become an insurance agent in Massachusetts?
- Massachusetts resident
- Pass the required Pearson exam for each line (Property and Casualty need two separate exams)
- Answer the background questions; certain felony convictions need 18 U.S.C. 1033 written consent
Massachusetts insurance agent license requirements
| State license | Yes. Massachusetts requires an insurance producer license from the Division of Insurance; it issues one producer license to which lines of authority are added. |
|---|---|
| Licensed by | Massachusetts Division of Insurance |
| License name | Insurance Producer license (resident) with lines of authority such as Life, Accident and Health or Sickness, Property, Casualty, Personal Lines |
| Exam | Pearson administers Massachusetts producer exams in person at Pearson test centers (the DOI says exams moved to Pearson starting July 22; remote testing is not available). |
| License term | 3 years (renewals are three-year terms). |
| Continuing education | 60 credits including 3 ethics before the first renewal, then 45 credits including 3 ethics each three-year renewal. |
How much does it cost?
| Pearson producer exam (Life, Accident and Health, Property, Casualty or Personal Lines), each | $37 |
|---|---|
| Lead Paint Surcharge for Property, Casualty or Personal Lines (application or renewal) | $75 |
Fees as listed by the state. Schools, courses, exam prep, insurance and equipment cost extra and vary by provider.
Steps to become an insurance agent in Massachusetts
- Review the Pearson Massachusetts candidate handbook and content outlines
- Schedule and pass the exam for each line at a Pearson test center
- Apply through NIPR and upload any supporting documents to the NIPR Attachment Warehouse
- Track your application in State Based Systems (SBS)
- Get appointed by an insurer (appointments renew each June 30)
- Complete CE before each three-year renewal
Apply on the official Massachusetts site
How do you check an insurance agent's license in Massachusetts?
- Ask for the license number and confirm it with the Massachusetts Division of Insurance.
- Check that the status is active and the name matches the person or company you're hiring.
- Ask how long they've been licensed and whether any complaints or discipline are on record.