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Maine Health Insurance — License Examination Requirements

US-ME · License preparation

This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.

Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Apprentice Insurance Producer License

Maine-resident sponsored apprentice authority, including eligible health activities within the sponsor’s authority; life, Affordable Care Act, long-term-care and other activities requiring additional training or authority are prohibited. No license renewal is authorized.

Licensing authority: Maine Bureau of Insurance, Superintendent of Insurance · Application information

Sponsored apprentice issuance
No examination is required for this applicant pathway.
Activity Boundary
Only Maine risks and activities within the sponsor’s authority; no life insurance or activities requiring additional training or authority, including Affordable Care Act, long-term care and annuity activities.
Age
At least 18.
Appointment
Insurer appointment is required to act as an insurer’s agent.
Duration
Nonrenewable, no more than 180 days; subsequent licensed practice requires an ordinary producer license.
Employment
Employed by a licensed resident producer who certifies supervision and assumes legal responsibility for all acts.
Prior Licensing
No prior holding or denial of a producer license in Maine or any comparable jurisdiction; no prior issuance or denial of an apprentice license.
Qualification
Apply for a producer license and satisfy all requirements except examination passage; supply requested information and pay temporary-license and application fees.
Residency
Maine resident at application and throughout apprenticeship.
Sponsor
Sponsor must have held an unrestricted Maine producer license in good standing for at least one year, must submit a sponsorship application and meet the Superintendent’s additional requirements.
Sponsor Limit
The Superintendent may limit a sponsor to two active apprentice licenses per calendar year and further restrict or revoke authority.

Official no-examination sources

Effective from 2026-01-01.

Insurance Producer Business Entity License

Producer agency authority for health insurance business; designated individuals must hold their own appropriate producer licenses.

Licensing authority: Maine Bureau of Insurance, Superintendent of Insurance · Application information

Business entity initial licensure — nonresident
No examination is required for this applicant pathway.
Application
Uniform business entity application and required fees.
Appointments
The agency must be appointed to act as an insurer’s agent.
Locations
Register each required branch location; a separate legal entity requires a separate entity license.
Residency
Nonresident entity; §1413(1) expressly states that licensing does not depend on maintaining a business entity license in another state.
Responsible Individual
Designate a licensed producer responsible for compliance. Only appropriately licensed individuals may carry out health producer activities on the entity’s behalf.

Official no-examination sources

Effective from 2026-09-22.

Business entity license continuation — nonresident
No examination is required for this applicant pathway.
Application
Uniform business entity application and required fees.
Appointments
The agency must be appointed to act as an insurer’s agent.
Continuation Fee
Nonresident agency biennial fee is due April 1 of odd years.
Locations
Register each required branch location; a separate legal entity requires a separate entity license.
Qualification
Maintain the responsible individual and pay applicable fees; individual examination qualifications remain those individuals’ licensing obligations.
Residency
Nonresident entity; §1413(1) expressly states that licensing does not depend on maintaining a business entity license in another state.
Responsible Individual
Designate a licensed producer responsible for compliance. Only appropriately licensed individuals may carry out health producer activities on the entity’s behalf.

Official no-examination sources

Effective from 2026-09-22.

Business entity relicensure after revocation — nonresident
No examination is required for this applicant pathway.
Application
Uniform business entity application and required fees.
Appointments
The agency must be appointed to act as an insurer’s agent.
Individual Restrictions
Officers, directors and members of a suspended or revoked entity cannot be individually licensed during that period unless the Superintendent determines the individual was not personally at fault and did not acquiesce.
Locations
Register each required branch location; a separate legal entity requires a separate entity license.
Prior Revocations
Two statutory revocations bar future licensure.
Residency
Nonresident entity; §1413(1) expressly states that licensing does not depend on maintaining a business entity license in another state.
Responsible Individual
Designate a licensed producer responsible for compliance. Only appropriately licensed individuals may carry out health producer activities on the entity’s behalf.
Waiting Period
At least one year after revocation, or one year after the final affirming court order when appealed; reestablish entity qualifications and show good cause if required.

Official no-examination sources

Effective from 2026-09-22.

Business entity initial licensure — resident
No examination is required for this applicant pathway.
Application
Uniform business entity application and required fees.
Appointments
The agency must be appointed to act as an insurer’s agent.
Locations
Register each required branch location; a separate legal entity requires a separate entity license.
Residency
Resident Maine entity.
Responsible Individual
Designate a licensed producer responsible for compliance. Only appropriately licensed individuals may carry out health producer activities on the entity’s behalf.

Official no-examination sources

Effective from 2026-09-22.

Business entity license continuation — resident
No examination is required for this applicant pathway.
Application
Uniform business entity application and required fees.
Appointments
The agency must be appointed to act as an insurer’s agent.
Continuation Fee
Resident agency biennial fee is due December 1 of even years.
Locations
Register each required branch location; a separate legal entity requires a separate entity license.
Qualification
Maintain the responsible individual and pay applicable fees; individual examination qualifications remain those individuals’ licensing obligations.
Residency
Resident Maine entity.
Responsible Individual
Designate a licensed producer responsible for compliance. Only appropriately licensed individuals may carry out health producer activities on the entity’s behalf.

Official no-examination sources

Effective from 2026-09-22.

Business entity relicensure after revocation — resident
No examination is required for this applicant pathway.
Application
Uniform business entity application and required fees.
Appointments
The agency must be appointed to act as an insurer’s agent.
Individual Restrictions
Officers, directors and members of a suspended or revoked entity cannot be individually licensed during that period unless the Superintendent determines the individual was not personally at fault and did not acquiesce.
Locations
Register each required branch location; a separate legal entity requires a separate entity license.
Prior Revocations
Two statutory revocations bar future licensure.
Residency
Resident Maine entity.
Responsible Individual
Designate a licensed producer responsible for compliance. Only appropriately licensed individuals may carry out health producer activities on the entity’s behalf.
Waiting Period
At least one year after revocation, or one year after the final affirming court order when appealed; reestablish entity qualifications and show good cause if required.

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Insurance Producer License

Reciprocal nonresident limited authority to the extent the home-state authority is narrower than Maine’s major accident-and-health-or-sickness authority. The home-state license and its scope are applicant conditions, not examinations of this survey.

Licensing authority: Maine Bureau of Insurance, Superintendent of Insurance · Application information

Nonresident limited health authority continuation
No examination is required for this applicant pathway.
Duration
Individual nonresident producer license is perpetual, with no renewal fees; loss of qualifying home-jurisdiction authority may lead to cancellation under §1417(1-A).
Home Authority
Keep the home-jurisdiction limited authority in good standing and remain within the Maine license’s restricted scope.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal limited health authority
No examination is required for this applicant pathway.
Good Standing
Meet §1420-G(1), including resident home-jurisdiction licensure in good standing, application, fees and reciprocity.
Home Authority
Hold a home-jurisdiction limited lines producer license whose authority is narrower than the major accident-and-health-or-sickness authority; Maine grants the same scope.
Scope Evidence
The applicant’s existing home-jurisdiction license defines the restricted authority; no other jurisdiction’s examination is a Maine leaf.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License — Accident and Health or Sickness

Temporary health producer authority under §1420-J, limited by the Superintendent to service an existing insurance business.

Licensing authority: Maine Bureau of Insurance, Superintendent of Insurance · Application information

Temporary licensure for member or employee of a producer business entity
No examination is required for this applicant pathway.
Applicant
Member or employee of a licensed producer business entity after death or disability of an individual designated in its application or license.
Authority
Health activities only to the extent authorized in the temporary license.
Duration
No more than 180 days; no examination required.
Limitations
The Superintendent may restrict authority, require a suitable licensed producer or insurer sponsor, impose protective requirements and revoke the license if public interests are endangered. The license cannot continue after disposal of the business.
Necessity
The Superintendent must determine temporary licensing is necessary to service an insurance business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure for military service designee
No examination is required for this applicant pathway.
Applicant
Designee of a licensed producer entering active United States Armed Forces service.
Authority
Health activities only to the extent authorized in the temporary license.
Duration
No more than 180 days; no examination required.
Limitations
The Superintendent may restrict authority, require a suitable licensed producer or insurer sponsor, impose protective requirements and revoke the license if public interests are endangered. The license cannot continue after disposal of the business.
Necessity
The Superintendent must determine temporary licensing is necessary to service an insurance business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure in another public interest circumstance
No examination is required for this applicant pathway.
Applicant
Other circumstance in which the Superintendent determines that temporary issuance best serves the public interest.
Authority
Health activities only to the extent authorized in the temporary license.
Duration
No more than 180 days; no examination required.
Limitations
The Superintendent may restrict authority, require a suitable licensed producer or insurer sponsor, impose protective requirements and revoke the license if public interests are endangered. The license cannot continue after disposal of the business.
Necessity
The Superintendent must determine temporary licensing is necessary to service an insurance business.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure for surviving spouse or personal representative
No examination is required for this applicant pathway.
Applicant
Surviving spouse or court-appointed personal representative of a producer who dies or becomes mentally or physically disabled; servicing allows business sale, recovery or training and licensing new personnel.
Authority
Health activities only to the extent authorized in the temporary license.
Duration
No more than 180 days; no examination required.
Limitations
The Superintendent may restrict authority, require a suitable licensed producer or insurer sponsor, impose protective requirements and revoke the license if public interests are endangered. The license cannot continue after disposal of the business.
Necessity
The Superintendent must determine temporary licensing is necessary to service an insurance business.

Official no-examination sources

Effective from 2026-09-22.