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Massachusetts Personal Lines Insurance — Requirements & Free Practice

US-MA · License preparation

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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.

Bank or Credit Union Insurance Producer License

The institution producer license includes banks, credit unions and lenders; licensed individuals conduct insurance sales.

Licensing authority: division of insurance · Application information

Bank, credit union or lender annual producer renewal
No examination is required for this applicant pathway.
Application
Submit institutional renewal application, identify licensed producers for each offered line, report material changes to the approved plan and pay the $75 renewal fee.
Authority
Institution seeks personal-lines producer authority; every selling individual and independent subsidiary, affiliate or third-party producer must hold the applicable Massachusetts license and be identified in the application.
Fees
$75 nonrefundable institutional producer application fee.
Operations
Submit the bank/credit-union producer application and plan of operation describing insurance activities and complaint resolution, customer-information safeguards and consumer-protection controls.
Sales Model
Direct sales by duly licensed employees, or through a licensed subsidiary, affiliate or third-party arrangement. Individual licensure is a condition, not an institutional examination.
Separation
If requested, obtain the appropriate regulator’s physical-separation waiver.
Term
One year; renew annually by the date on the license.

Official no-examination sources

Effective from 2026-09-22.

Federally chartered bank or credit union: initial licensure
No examination is required for this applicant pathway.
Approval
Submit the application and plan directly to DOI with a statement of compliance with all federal insurance-sales conditions.
Authority
Institution seeks personal-lines producer authority; every selling individual and independent subsidiary, affiliate or third-party producer must hold the applicable Massachusetts license and be identified in the application.
Fees
$75 nonrefundable institutional producer application fee.
Institution
Federally chartered bank or credit union conducting insurance sales in Massachusetts.
Operations
Submit the bank/credit-union producer application and plan of operation describing insurance activities and complaint resolution, customer-information safeguards and consumer-protection controls.
Sales Model
Direct sales by duly licensed employees, or through a licensed subsidiary, affiliate or third-party arrangement. Individual licensure is a condition, not an institutional examination.
Separation
Submit a physical-separation waiver request directly to DOI if requested.
Term
One year; renew annually by the date on the license.

Official no-examination sources

Effective from 2026-09-22.

Lender: initial institutional producer licensure
No examination is required for this applicant pathway.
Approval
Obtain Division of Banks approval of the plan and DOI producer license before insurance sales.
Authority
Institution seeks personal-lines producer authority; every selling individual and independent subsidiary, affiliate or third-party producer must hold the applicable Massachusetts license and be identified in the application.
Fees
$75 nonrefundable institutional producer application fee.
Financial Fitness
Meet applicable statutory or regulatory net-worth requirements and financial, managerial, policy and procedure requirements under 209 CMR 49.04–49.05; satisfactory CRA rating if applicable.
Institution
Small-loan company, mortgage lender or mortgage broker seeking institutional producer authority under M.G.L. c. 167F, § 2A(f).
Operations
Submit the bank/credit-union producer application and plan of operation describing insurance activities and complaint resolution, customer-information safeguards and consumer-protection controls.
Sales Model
Direct sales by duly licensed employees, or through a licensed subsidiary, affiliate or third-party arrangement. Individual licensure is a condition, not an institutional examination.
Separation
If requested, obtain the appropriate regulator’s physical-separation waiver.
Term
One year; renew annually by the date on the license.

Official no-examination sources

Effective from 2026-09-22.

Institution wholly outside Massachusetts: nonresident licensure
No examination is required for this applicant pathway.
Application
Apply for the nonresident producer license permitted by § 142.04(5), subject to § 162N and § 162U reciprocity.
Authority
Institution seeks personal-lines producer authority; every selling individual and independent subsidiary, affiliate or third-party producer must hold the applicable Massachusetts license and be identified in the application.
Fees
$75 nonrefundable institutional producer application fee.
Fitness
Subject to the denial provisions of § 162R.
Home License
Currently licensed as a resident and in good standing in the home jurisdiction for the requested personal-lines authority. This is a license-held condition, not a requirement to take another state examination.
Institution
State bank, federal bank or federal credit union wholly outside Massachusetts and authorized to engage in insurance sales under applicable law.
Operations
Submit the bank/credit-union producer application and plan of operation describing insurance activities and complaint resolution, customer-information safeguards and consumer-protection controls.
Reciprocity
Home jurisdiction must award nonresident producer licenses to Massachusetts residents on the same basis.
Sales Model
Direct sales by duly licensed employees, or through a licensed subsidiary, affiliate or third-party arrangement. Individual licensure is a condition, not an institutional examination.
Separation
If requested, obtain the appropriate regulator’s physical-separation waiver.
Term
One year; renew annually by the date on the license.

Official no-examination sources

Effective from 2026-09-22.

Massachusetts chartered bank or credit union, or Massachusetts branch: initial licensure
No examination is required for this applicant pathway.
Approval
Obtain Division of Banks approval of the plan before submitting the producer application to DOI.
Authority
Institution seeks personal-lines producer authority; every selling individual and independent subsidiary, affiliate or third-party producer must hold the applicable Massachusetts license and be identified in the application.
Fees
$75 nonrefundable institutional producer application fee.
Financial Fitness
Necessary financial and managerial resources and policies and procedures; at least satisfactory CRA rating when applicable, as required by 209 CMR 49.04.
Institution
Massachusetts-chartered bank or credit union, or Massachusetts branch of an out-of-state bank.
Operations
Submit the bank/credit-union producer application and plan of operation describing insurance activities and complaint resolution, customer-information safeguards and consumer-protection controls.
Sales Model
Direct sales by duly licensed employees, or through a licensed subsidiary, affiliate or third-party arrangement. Individual licensure is a condition, not an institutional examination.
Separation
If requested, obtain the appropriate regulator’s physical-separation waiver.
Term
One year; renew annually by the date on the license.

Official no-examination sources

Effective from 2026-09-22.

Business Entity Insurance Producer License — Personal Lines

A business entity acting as an insurance producer must obtain an insurance producer license and designate a licensed producer responsible for its compliance with insurance laws, rules and regulations.

Licensing authority: Massachusetts Division of Insurance · Application information

Add personal lines authority to an existing business entity producer license
No examination is required for this applicant pathway.
Applicant
Business entity acting as a personal-lines insurance producer.
Application
Apply through NIPR; DOI approves the entity name, then obtain registration and certified documents from the Massachusetts Secretary of State, including a letter of good standing and certified registration copy. Submit required certified documents to DOI.
Corporate Documents
For a corporation, § 174 requires a certified copy of articles of organization and certificate of incorporation and the required officer/director statements or applications.
Fees
Pay prescribed business-entity producer fees.
Individual Qualification
Individuals must hold their own producer licenses; their licensing examinations are not examinations taken by the business entity.
License
Existing licensed producer business entity seeking to offer personal lines.
Personal Lines Member
Maintain at least one affiliated member holding Massachusetts personal-lines authority for the newly offered line.
Responsible Producer
Designate at least one licensed producer responsible for compliance with Massachusetts insurance laws and regulations; a DRLP need not be an owner, partner, officer or director.

Official no-examination sources

Effective from 2026-09-22.

New business entity application after license expiration
No examination is required for this applicant pathway.
Applicant
Business entity acting as a personal-lines insurance producer.
Application
Submit a new initial Business Entity License application through NIPR; a renewal application is unavailable after expiration.
Corporate Documents
For a corporation, § 174 requires a certified copy of articles of organization and certificate of incorporation and the required officer/director statements or applications.
Fees
Pay prescribed business-entity producer fees.
Individual Qualification
Individuals must hold their own producer licenses; their licensing examinations are not examinations taken by the business entity.
License
Business-entity producer license expired before renewal.
Personal Lines Member
Maintain at least one affiliated member licensed in Massachusetts for personal lines; all affiliated members must hold Massachusetts producer licenses regardless of residency.
Responsible Producer
Designate at least one licensed producer responsible for compliance with Massachusetts insurance laws and regulations; a DRLP need not be an owner, partner, officer or director.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity licensure by reciprocity
No examination is required for this applicant pathway.
Applicant
Business entity acting as a personal-lines insurance producer.
Application
Submit the required request, fees, and home-jurisdiction application or completed uniform application; DOI may verify licensure through the NAIC database.
Corporate Documents
For a corporation, § 174 requires a certified copy of articles of organization and certificate of incorporation and the required officer/director statements or applications.
Fees
Pay prescribed business-entity producer fees.
Fitness
Subject to the denial provisions of § 162R.
Home License
Currently licensed as a resident and in good standing in the home jurisdiction for the requested personal-lines authority. This is a license-held condition, not a requirement to take another state examination.
Individual Qualification
Individuals must hold their own producer licenses; their licensing examinations are not examinations taken by the business entity.
Personal Lines Member
Maintain at least one affiliated member licensed in Massachusetts for personal lines; all affiliated members must hold Massachusetts producer licenses regardless of residency.
Reciprocity
Home jurisdiction must award nonresident producer licenses to Massachusetts residents on the same basis.
Responsible Producer
Designate at least one licensed producer responsible for compliance with Massachusetts insurance laws and regulations; a DRLP need not be an owner, partner, officer or director.

Official no-examination sources

Effective from 2026-09-22.

Business entity annual renewal
No examination is required for this applicant pathway.
Applicant
Business entity acting as a personal-lines insurance producer.
Application
Renew through NIPR before expiration; Massachusetts provides no grace period for late entity renewals.
Corporate Documents
For a corporation, § 174 requires a certified copy of articles of organization and certificate of incorporation and the required officer/director statements or applications.
Fees
Annual business-entity renewal fee.
Individual Qualification
Individuals must hold their own producer licenses; their licensing examinations are not examinations taken by the business entity.
License
Active Massachusetts business-entity producer license.
Personal Lines Member
Maintain at least one affiliated member licensed in Massachusetts for personal lines; all affiliated members must hold Massachusetts producer licenses regardless of residency.
Responsible Producer
Designate at least one licensed producer responsible for compliance with Massachusetts insurance laws and regulations; a DRLP need not be an owner, partner, officer or director.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Applicant
Business entity acting as a personal-lines insurance producer.
Application
Apply through NIPR; DOI approves the entity name, then obtain registration and certified documents from the Massachusetts Secretary of State, including a letter of good standing and certified registration copy. Submit required certified documents to DOI.
Corporate Documents
For a corporation, § 174 requires a certified copy of articles of organization and certificate of incorporation and the required officer/director statements or applications.
Fees
Pay prescribed business-entity producer fees.
Individual Qualification
Individuals must hold their own producer licenses; their licensing examinations are not examinations taken by the business entity.
Personal Lines Member
Maintain at least one affiliated member licensed in Massachusetts for personal lines; all affiliated members must hold Massachusetts producer licenses regardless of residency.
Responsible Producer
Designate at least one licensed producer responsible for compliance with Massachusetts insurance laws and regulations; a DRLP need not be an owner, partner, officer or director.

Official no-examination sources

Effective from 2026-09-22.

Individual Insurance Producer License — Personal Lines

One individual producer license with the personal-lines authority; resident and nonresident pathways are recorded separately.

Licensing authority: Massachusetts Division of Insurance · Application information

Add personal lines to an active nonresident producer license
No examination is required for this applicant pathway.
Application
Use NIPR Add a Line of Authority; NIPR verifies personal-lines home resident licensure through the Producer Database.
Existing License
Already holds an active Massachusetts nonresident individual producer license.
Fitness
Subject to the denial provisions of § 162R.
Home License
Currently licensed as a resident and in good standing in the home jurisdiction for the requested personal-lines authority. This is a license-held condition, not a requirement to take another state examination.
Reciprocity
Home jurisdiction must award nonresident producer licenses to Massachusetts residents on the same basis.
Surcharge
The Division add-line instructions state a $75 lead-paint surcharge for nonresident personal-lines additions.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the required request, fees, and home-jurisdiction application or completed uniform application; DOI may verify licensure through the NAIC database.
Fitness
Subject to the denial provisions of § 162R.
Home License
Currently licensed as a resident and in good standing in the home jurisdiction for the requested personal-lines authority. This is a license-held condition, not a requirement to take another state examination.
Reciprocity
Home jurisdiction must award nonresident producer licenses to Massachusetts residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual reinstatement within 12 months
No examination is required for this applicant pathway.
Continuing Education
Satisfy the applicable resident CE requirements or reciprocal nonresident requirements.
Deadline
Reinstate the same license within 12 months from the renewal-fee due date.
Examination
§ 162M(c) expressly permits reinstatement without passing a written examination.
License
Individual producer license lapsed for failure to renew.
Penalty
Double the unpaid renewal fee is required for a renewal fee received after the due date.

Official no-examination sources

Effective from 2026-09-22.

Nonresident license renewal
No examination is required for this applicant pathway.
Application
Submit the required request, fees, and home-jurisdiction application or completed uniform application; DOI may verify licensure through the NAIC database.
Continuing Education
Home-jurisdiction CE satisfies Massachusetts CE if that jurisdiction reciprocally recognizes Massachusetts compliance.
Fees
Pay prescribed renewal fees by the due date.
Fitness
Subject to the denial provisions of § 162R.
Home License
Currently licensed as a resident and in good standing in the home jurisdiction for the requested personal-lines authority. This is a license-held condition, not a requirement to take another state examination.
License
Existing Massachusetts nonresident license not revoked or suspended.
Reciprocity
Home jurisdiction must award nonresident producer licenses to Massachusetts residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Renewal procedure waiver for military service or extenuating circumstances
No examination is required for this applicant pathway.
Approval
The Commissioner decides the waiver; it is not automatic.
Circumstances
Licensed producer unable to comply with renewal procedures because of military service or another extenuating circumstance.
Discretion
May request a waiver of renewal procedures and of any examination requirement, fine or sanction imposed for failure to comply. The statute names no additional examination.

Official no-examination sources

Effective from 2026-09-22.

Add personal lines to an active resident producer license
Producer - Personal Lines
Age
At least 18 years of age (M.G.L. c. 175, § 162L(a)(1)).
Application
Submit the uniform application and certify its statements as true, correct and complete; the Division directs applications through NIPR and may require supporting documents.
Exam Exemption
The Division states: "Exam required unless you already hold Property & Casualty lines on your license." This applicant exemption is a condition on the personal-lines exam leaf.
Existing License
Apply through NIPR to add personal lines to the existing producer license.
Fees
Pay prescribed licensing fees; the Division states a $75 lead-paint surcharge for personal lines, waived for Massachusetts veterans or legally blind residents.
Fitness
Must not have committed an act that is a ground for denial, suspension or revocation under § 162R.
Legacy Instructions
The separately hosted Adding a New Line of Authority page states that resident applicants need to pass the applicable exams and refers to Prometric. Pearson is the provider in the pinned June 2026 handbook and current Division individual-producer page; use the current Pearson registration. The general add-line instruction does not expressly discuss the property-and-casualty exemption.
Prelicensing Study
Complete a prelicensing course for the requested line when required by the Commissioner (§ 162L(a)(3)).
Residency
Already holds an active Massachusetts resident individual producer license and requests personal-lines authority.
Score
Successfully pass the applicable personal-lines examination unless an applicable exemption applies.
Resident initial licensure by examination
Producer - Personal Lines
Age
At least 18 years of age (M.G.L. c. 175, § 162L(a)(1)).
Application
Submit the uniform application and certify its statements as true, correct and complete; the Division directs applications through NIPR and may require supporting documents.
Fees
Pay prescribed licensing fees; the Division states a $75 lead-paint surcharge for personal lines, waived for Massachusetts veterans or legally blind residents.
Fitness
Must not have committed an act that is a ground for denial, suspension or revocation under § 162R.
Prelicensing Study
Complete a prelicensing course for the requested line when required by the Commissioner (§ 162L(a)(3)).
Residency
Resident individual seeking personal-lines authority.
Score
Successfully pass the applicable personal-lines examination unless an applicable exemption applies.
Resident application with prior same line licensure
No examination is required for this applicant pathway.
Age
At least 18 years of age (M.G.L. c. 175, § 162L(a)(1)).
Application
Submit the uniform application and certify its statements as true, correct and complete; the Division directs applications through NIPR and may require supporting documents.
Examination
§ 162O(a) exempts this route from prelicensing education and examinations.
Fees
Pay prescribed licensing fees; the Division states a $75 lead-paint surcharge for personal lines, waived for Massachusetts veterans or legally blind residents.
Fitness
Must not have committed an act that is a ground for denial, suspension or revocation under § 162R.
Good Standing
Prior regulator certification or NAIC producer database records must show good standing for the requested authority at cancellation or currently.
Prelicensing Study
Complete a prelicensing course for the requested line when required by the Commissioner (§ 162L(a)(3)).
Prior License Window
Applicant remains currently licensed, or Massachusetts receives the application within 90 days of cancellation of the prior license.
Residency
Applicant previously licensed for the same personal-lines authority in another jurisdiction.
Score
Successfully pass the applicable personal-lines examination unless an applicable exemption applies.

Official no-examination sources

Effective from 2026-09-22.

Resident individual reinstatement within 12 months
No examination is required for this applicant pathway.
Continuing Education
Satisfy the applicable resident CE requirements or reciprocal nonresident requirements.
Deadline
Reinstate the same license within 12 months from the renewal-fee due date.
Examination
§ 162M(c) expressly permits reinstatement without passing a written examination.
License
Individual producer license lapsed for failure to renew.
Penalty
Double the unpaid renewal fee is required for a renewal fee received after the due date.

Official no-examination sources

Effective from 2026-09-22.

Resident license renewal
No examination is required for this applicant pathway.
Application
Renew through NIPR.
Continuing Education
60 approved CE hours before first renewal; 45 hours for each subsequent 36-month period; include 3 hours of Massachusetts Approved Ethics, subject to § 50.03 exemptions.
Fees
Pay the renewal fee and personal-lines lead-paint surcharge by the due date, subject to the applicable exemption.
License
Existing individual personal-lines producer license not revoked or suspended.

Official no-examination sources

Effective from 2026-09-22.

Transfer residence to Massachusetts for previously held personal lines authority
No examination is required for this applicant pathway.
Age
At least 18 years of age (M.G.L. c. 175, § 162L(a)(1)).
Application
Submit the uniform application and certify its statements as true, correct and complete; the Division directs applications through NIPR and may require supporting documents.
Application Window
Apply within 90 days of establishing Massachusetts legal residence.
Conversion
The Division requires the prior resident license to be cancelled and verifiable through NIPR; do not first convert it to nonresident. Use the new Massachusetts residential address.
Examination
No prelicensing education or examination for previously held authority except where the Commissioner determines otherwise by regulation (§ 162O(b)).
Fees
Pay prescribed licensing fees; the Division states a $75 lead-paint surcharge for personal lines, waived for Massachusetts veterans or legally blind residents.
First Renewal
Complete 57 general CE credits and 3 ethics credits before initial renewal, regardless of the first license term length.
Fitness
Must not have committed an act that is a ground for denial, suspension or revocation under § 162R.
Prelicensing Study
Complete a prelicensing course for the requested line when required by the Commissioner (§ 162L(a)(3)).
Residency
Previously licensed producer moves to Massachusetts.
Score
Successfully pass the applicable personal-lines examination unless an applicable exemption applies.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer License — Personal Lines

Discretionary temporary producer authority to service an existing personal-lines insurance business, for no more than 180 days.

Licensing authority: Massachusetts Division of Insurance · Application information

Temporary licensure for a business entity member or employee
No examination is required for this applicant pathway.
Discretion
Commissioner must determine temporary authority is necessary for servicing the insurance business.
Duration
No more than 180 days; cannot continue after the owner or personal representative disposes of the business.
Eligibility
Member or employee of a licensed producer business entity following death or disability of the individual designated in its application or license.
Examination
§ 162Q(a) authorizes issuance without an examination.
Scope
Personal-lines servicing within the temporary authority granted; Commissioner may limit authority or revoke to protect insureds and the public.
Sponsor
Commissioner may require a suitable licensed-producer or insurer sponsor responsible for all acts.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure for military service designee
No examination is required for this applicant pathway.
Discretion
Commissioner must determine temporary authority is necessary for servicing the insurance business.
Duration
No more than 180 days; cannot continue after the owner or personal representative disposes of the business.
Eligibility
Designee of a licensed insurance producer entering active service in the United States armed forces.
Examination
§ 162Q(a) authorizes issuance without an examination.
Scope
Personal-lines servicing within the temporary authority granted; Commissioner may limit authority or revoke to protect insureds and the public.
Sponsor
Commissioner may require a suitable licensed-producer or insurer sponsor responsible for all acts.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure in the public interest
No examination is required for this applicant pathway.
Discretion
Commissioner must determine temporary authority is necessary for servicing the insurance business.
Duration
No more than 180 days; cannot continue after the owner or personal representative disposes of the business.
Eligibility
Other circumstance in which the Commissioner determines the public interest is best served by issuing the temporary license.
Examination
§ 162Q(a) authorizes issuance without an examination.
Scope
Personal-lines servicing within the temporary authority granted; Commissioner may limit authority or revoke to protect insureds and the public.
Sponsor
Commissioner may require a suitable licensed-producer or insurer sponsor responsible for all acts.

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.
Discretion
Commissioner must determine temporary authority is necessary for servicing the insurance business.
Duration
No more than 180 days; cannot continue after the owner or personal representative disposes of the business.
Eligibility
Surviving spouse or court-appointed personal representative of a licensed producer who dies or becomes mentally or physically disabled; allow time for sale, recovery, return or training and licensing new personnel.
Examination
§ 162Q(a) authorizes issuance without an examination.
Scope
Personal-lines servicing within the temporary authority granted; Commissioner may limit authority or revoke to protect insureds and the public.
Sponsor
Commissioner may require a suitable licensed-producer or insurer sponsor responsible for all acts.

Official no-examination sources

Effective from 2026-09-22.

Producer - Personal Lines

Provider
Pearson Professional Assessments
Format
Computer-based written examination at a Pearson test center
Exam questions
105 scored questions (75 general knowledge and 30 Massachusetts-specific) plus 10 pretest questions. Published scored-question allocations: general knowledge I 10, II 13, III 28, IV 24; Massachusetts-specific I 15, II 2, III 5, IV 8. The publisher gives question counts, not fixed percentages.
Passing score
70 on the DOI/Pearson scaled score
Exam fee
$37
Examination outline
  • General Knowledge — I. TYPES OF PROPERTY POLICIES
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Inland marine
    • C. Inland marine / 1. Personal Articles floaters
    • D. National Flood Insurance Program
    • E. Others
    • E. Others / 1. Earthquake
    • E. Others / 2. Mobile Homes
    • E. Others / 3. Watercraft
    • E. Others / 4. Windstorm
  • General Knowledge — II. TYPES OF CASUALTY POLICIES
    • A. Automobile: personal auto
    • A. Automobile: personal auto / 1. Liability
    • A. Automobile: personal auto / 1. Liability / a. Bodily Injury
    • A. Automobile: personal auto / 1. Liability / b. Property Damage
    • A. Automobile: personal auto / 1. Liability / c. Split Limits
    • A. Automobile: personal auto / 1. Liability / d. Combined Single Limit
    • A. Automobile: personal auto / 2. Medical Payments
    • A. Automobile: personal auto / 3. Physical Damage (collision; other than collision; specified perils)
    • A. Automobile: personal auto / 4. Uninsured motorists
    • A. Automobile: personal auto / 5. Underinsured motorists
    • A. Automobile: personal auto / 6. Who is an insured
    • A. Automobile: personal auto / 7. Types of Auto
    • A. Automobile: personal auto / 7. Types of Auto / a. Owned
    • A. Automobile: personal auto / 7. Types of Auto / b. Non-owned
    • A. Automobile: personal auto / 7. Types of Auto / c. Hired
    • A. Automobile: personal auto / 7. Types of Auto / d. Temporary Substitute
    • A. Automobile: personal auto / 7. Types of Auto / e. Newly Acquired Autos
    • A. Automobile: personal auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • A. Automobile: personal auto / 8. Exclusions
    • B. Umbrella/Excess liability
  • General Knowledge — III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
    • V. Burglary, Robbery, Theft, and Mysterious Disappearance
    • W. Warranties
    • X. Representations
    • Y. Concealment
    • Z. Deposit Premium/Audit
    • AA. Certificate of Insurance
    • BB. Damages
    • BB. Damages / 1. Compensatory
    • BB. Damages / 1. Compensatory / a. General
    • BB. Damages / 1. Compensatory / b. Special
    • BB. Damages / 2. Punitive
    • CC. Compliance with Provisions of Fair Credit Reporting Act
  • General Knowledge — IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Sources of underwriting information
    • P. Fair Credit Reporting Act
    • Q. Privacy Protection (Gramm Leach Bliley)
    • R. Policy Application
    • S. Terrorism Risk Insurance Act (TRIA)
    • T. Cancellation and nonrenewal provisions
    • U. Supplementary payments
    • V. Loss settlement provisions including consent to settle a loss
    • W. Territory
  • Massachusetts Specific — I. MASSACHUSETTS LAWS AND RULES PERTINENT TO ALL LINES OF INSURANCE
    • A. Licensing
    • A. Licensing / 1. Process
    • A. Licensing / 2. Types of licenses
    • A. Licensing / 2. Types of licenses / a. Producers
    • A. Licensing / 2. Types of licenses / b. Business entity producers
    • A. Licensing / 2. Types of licenses / c. Nonresident producers
    • A. Licensing / 2. Types of licenses / d. Temporary
    • A. Licensing / 2. Types of licenses / e. Special brokers
    • A. Licensing / 2. Types of licenses / f. Advisers
    • A. Licensing / 2. Types of licenses / g. Public insurance adjusters
    • A. Licensing / 2. Types of licenses / h. Reinsurance intermediaries
    • A. Licensing / 2. Types of licenses / i. Portable Electronics Insurance Limited Lines license
    • A. Licensing / 2. Types of licenses / j. Exemptions
    • A. Licensing / 3. Maintenance and duration
    • A. Licensing / 3. Maintenance and duration / a. Reinstatement and renewal
    • A. Licensing / 3. Maintenance and duration / b. Address change
    • A. Licensing / 3. Maintenance and duration / c. Reporting of actions
    • A. Licensing / 3. Maintenance and duration / d. Assumed names
    • A. Licensing / 3. Maintenance and duration / e. Continuing education requirements, exemptions and penalties
    • A. Licensing / 4. Disciplinary actions
    • A. Licensing / 4. Disciplinary actions / a. Cease and desist order
    • A. Licensing / 4. Disciplinary actions / b. Hearings
    • A. Licensing / 4. Disciplinary actions / c. Probation, suspension, revocation, refusal to issue or renew
    • A. Licensing / 4. Disciplinary actions / d. Penalties and fines
    • B. State Regulation
    • B. State Regulation / 1. Commissioner’s general duties and powers
    • B. State Regulation / 2. Company regulation
    • B. State Regulation / 2. Company regulation / a. Certificate of authority
    • B. State Regulation / 2. Company regulation / b. Solvency
    • B. State Regulation / 2. Company regulation / c. Policy forms
    • B. State Regulation / 2. Company regulation / d. Examination of books and records
    • B. State Regulation / 2. Company regulation / e. Producer appointments
    • B. State Regulation / 2. Company regulation / f. Termination of producer appointment
    • B. State Regulation / 3. Producer regulation
    • B. State Regulation / 3. Producer regulation / a. Impersonation
    • B. State Regulation / 3. Producer regulation / b. Larceny
    • B. State Regulation / 3. Producer regulation / c. Unlicensed persons compensation
    • B. State Regulation / 3. Producer regulation / d. Commissions
    • B. State Regulation / 3. Producer regulation / e. Records Retention
    • B. State Regulation / 3. Producer regulation / f. Insurance transactions
    • B. State Regulation / 4. Unfair or deceptive practices
    • B. State Regulation / 4. Unfair or deceptive practices / a. Misrepresentation
    • B. State Regulation / 4. Unfair or deceptive practices / b. False advertising
    • B. State Regulation / 4. Unfair or deceptive practices / c. Defamation of insurer
    • B. State Regulation / 4. Unfair or deceptive practices / d. Boycott, coercion, intimidation
    • B. State Regulation / 4. Unfair or deceptive practices / e. False financial statements
    • B. State Regulation / 4. Unfair or deceptive practices / f. Failure to maintain a complaint record
    • B. State Regulation / 4. Unfair or deceptive practices / g. Unfair discrimination
    • B. State Regulation / 4. Unfair or deceptive practices / h. Unfair claims settlement practices
    • B. State Regulation / 4. Unfair or deceptive practices / i. Rebating
    • B. State Regulation / 5. Insurance fraud regulation
    • B. State Regulation / 6. Insurance Information and Privacy Protection
    • B. State Regulation / 7. Types of Insurers
    • B. State Regulation / 7. Types of Insurers / a. Foreign, alien, domestic
    • B. State Regulation / 7. Types of Insurers / b. Authorized and unauthorized insurers
    • B. State Regulation / 7. Types of Insurers / c. Stock and mutual insurers
  • Massachusetts Specific — II. MASSACHUSETTS LAWS AND REGULATIONS PERTINENT TO PROPERTY AND CASUALTY INSURANCE
    • A. Massachusetts Insurers Insolvency Fund
    • B. Concealment, misrepresentation, or fraud
    • C. Appraisal
    • D. Rates
  • Massachusetts Specific — III. MASSACHUSETTS LAWS AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY
    • A. Cancellation and nonrenewal
    • B. Massachusetts standard fire policy
    • C. Homeowners Policy
    • C. Homeowners Policy / 1. Lead paint liability abatement
    • C. Homeowners Policy / 2. Massachusetts requirements for flood insurance
    • C. Homeowners Policy / 3. Massachusetts Property Insurance Underwriting Association (MPIUA) known as the Massachusetts (FAIR) Plan
  • Massachusetts Specific — IV. MASSACHUSETTS LAWS AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY
    • A. Massachusetts law specific to auto insurance
    • A. Massachusetts law specific to auto insurance / 1. Massachusetts Compulsory Motor Vehicle Liability Insurance
    • A. Massachusetts law specific to auto insurance / 1. Massachusetts Compulsory Motor Vehicle Liability Insurance / a. Required limits of liability
    • A. Massachusetts law specific to auto insurance / 1. Massachusetts Compulsory Motor Vehicle Liability Insurance / b. Required proof of insurance
    • A. Massachusetts law specific to auto insurance / 2. Massachusetts Automobile Insurance Assigned Risk Plan (MAIP)/CAR
    • A. Massachusetts law specific to auto insurance / 2. Massachusetts Automobile Insurance Assigned Risk Plan (MAIP)/CAR / a. Notice of eligibility in assigned risk plan
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection / a. Medical
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection / b. Loss of income/Lost wages
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection / c. Death
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection / d. Funeral
    • A. Massachusetts law specific to auto insurance / 3. Personal injury protection / e. Replacement services
    • A. Massachusetts law specific to auto insurance / 4. Uninsured/underinsured motorist
    • A. Massachusetts law specific to auto insurance / 4. Uninsured/underinsured motorist / a. Bodily injury
    • A. Massachusetts law specific to auto insurance / 4. Uninsured/underinsured motorist / b. Required limits
    • A. Massachusetts law specific to auto insurance / 5. Cancellation/nonrenewal
    • A. Massachusetts law specific to auto insurance / 5. Cancellation/nonrenewal / a. Grounds
    • A. Massachusetts law specific to auto insurance / 5. Cancellation/nonrenewal / b. Notice
    • A. Massachusetts law specific to auto insurance / 6. Aftermarket parts regulation
    • A. Massachusetts law specific to auto insurance / 7. Regulation of rates for motor vehicle insurance
    • A. Massachusetts law specific to auto insurance / 8. Private passenger motor vehicle insurance rates
    • B. Surplus lines
    • B. Surplus lines / 1. Definitions and markets
Examination sources