OpenExamsFREE PRACTICE — ANY EXAM

Massachusetts Property & Casualty Insurance — Requirements & Free Practice

US-MA · License preparation

266 free questions · Answer explanations · No signup required

Choose what to practice

Start with an exam below. Your examination requirements depend on your application pathway. View licensing requirements

Combined practice

Choose an exam or combined practice to begin.

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.

Insurance Producer

One individual producer license with selected lines of authority. This survey covers property, casualty, personal lines and restricted property-related credit and travel authority; life and health authority alone is outside this family.

Licensing authority: Massachusetts Division of Insurance · Application information

Restoration after continuing education suspension
No examination is required for this applicant pathway.
Compliance
Demonstrate to the Commissioner satisfaction of §177E continuing-education requirements and all other applicable licensing laws; pay any assessed sanctions.
Limitation
This is restoration from the CE suspension defined in §177E(H), not a claim that disciplinary revocations have the same conditions.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal limited line authority
No examination is required for this applicant pathway.
Home License
Hold the home-state limited-line authority; Massachusetts grants the same restricted scope under §162N(e).
Reciprocity
Satisfy §162N(a) and reciprocal licensing conditions; the home-state license is a condition, not this state's examination leaf.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reciprocal licensure
No examination is required for this applicant pathway.
Application
Submit the home-state application or completed uniform application and applicable fee; Commissioner may verify NAIC database status.
Home License
Currently licensed as a resident in good standing in the home state for equivalent requested authority. This is an applicant license condition, not an examination requirement.
Reciprocity
The home state must award nonresident licenses to Massachusetts residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Reciprocal nonresident renewal
No examination is required for this applicant pathway.
Continuing Education
Satisfaction of reciprocal home-state CE constitutes satisfaction of Massachusetts CE (§162U(b)).
Fees
Pay applicable renewal fees and keep the Massachusetts authority current.
Home License
Maintain the equivalent home-state resident license and reciprocal eligibility.

Official no-examination sources

Effective from 2026-09-22.

Conversion or reinstatement of remaining term as a nonresident after moving away
No examination is required for this applicant pathway.
Change Of Residence
File change of address and certification from the new resident state within 30 days under §162N(c).
Remaining Term
After establishing the new resident license, request Massachusetts nonresident reinstatement or conversion of the remaining term through the Division.

Official no-examination sources

Effective from 2026-09-22.

Resident amendment to add Casualty
Massachusetts Producer - Casualty Insurance Exam
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Casualty
Existing License
Hold an active Massachusetts producer license; apply to add the specified authority.
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident amendment to add Limited Lines Credit
Producer - Limited Lines Credit (practice unavailable)
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Limited Lines Credit
Existing License
Hold an active Massachusetts producer license; apply to add the specified authority.
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Instruction
The insurer must provide the limited-credit program of instruction required by §162L(d).
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Scope
Credit authority is limited to coverage connected with an extension of credit; §162H expressly includes credit property, mortgage guaranty and guaranteed automobile protection coverage. The credit examination retains its entire official content.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident amendment to add Personal Lines
Massachusetts Insurance Examination — Producer - Personal Lines
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Personal Lines
Existing License
Hold an active Massachusetts producer license; request only lines not already held.
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Personal Lines Waiver
For a Personal Lines amendment the implementation exempts an applicant who already holds Property and Casualty authority (NIPR also names Limited Lines Property and Casualty). This applicant-specific exemption is recorded as a condition of the Personal Lines examination leaf.
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Scope
Property and casualty coverage sold to individuals and families for primarily noncommercial purposes (§162M(a)(6)).
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident amendment to add Property
Producer - Property (practice unavailable)
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Property
Existing License
Hold an active Massachusetts producer license; apply to add the specified authority.
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident amendment to add Property and Casualty

All of the following:

Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Property and Casualty
Existing License
Hold an active Massachusetts producer license; apply to add the specified authority.
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident amendment to add limited travel authority
No examination is required for this applicant pathway.
Application
Apply for limited travel authority in the Commissioner-prescribed manner; pay applicable fees.
Exemption
§162Z(b)(3) expressly exempts the limited travel producer and those registered under its license from §162K examinations and §177E continuing education.
Scope
Personal risks incidental to travel, including trip interruption, baggage loss and damage to accommodations or rental vehicles; major medical plans are excluded (§162Z(a)).
Supervising Entity
When operating through travel retailers, comply with the §162Z(b)(2) register, designated responsible licensed producer, resident-state fingerprinting, instruction and disclosure requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure — Casualty
Massachusetts Producer - Casualty Insurance Exam
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Casualty
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident initial licensure — Limited Lines Credit
Producer - Limited Lines Credit (practice unavailable)
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Limited Lines Credit
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Instruction
The insurer must provide the limited-credit program of instruction required by §162L(d).
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Scope
Credit authority is limited to coverage connected with an extension of credit; §162H expressly includes credit property, mortgage guaranty and guaranteed automobile protection coverage. The credit examination retains its entire official content.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident initial licensure — Personal Lines
Massachusetts Insurance Examination — Producer - Personal Lines
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Personal Lines
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Scope
Property and casualty coverage sold to individuals and families for primarily noncommercial purposes (§162M(a)(6)).
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident initial licensure — Property
Producer - Property (practice unavailable)
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Property
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident initial licensure — Property and Casualty

All of the following:

Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Property and Casualty
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident initial limited travel authority
No examination is required for this applicant pathway.
Application
Apply for limited travel authority in the Commissioner-prescribed manner; pay applicable fees.
Exemption
§162Z(b)(3) expressly exempts the limited travel producer and those registered under its license from §162K examinations and §177E continuing education.
Scope
Personal risks incidental to travel, including trip interruption, baggage loss and damage to accommodations or rental vehicles; major medical plans are excluded (§162Z(a)).
Supervising Entity
When operating through travel retailers, comply with the §162Z(b)(2) register, designated responsible licensed producer, resident-state fingerprinting, instruction and disclosure requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure based on prior equivalent authority
No examination is required for this applicant pathway.
Application
Apply under §162L and pay applicable fees; §162O(a) exempts prelicensing study and examinations for the same authority.
Equivalent Authority
Previously licensed for the same requested lines of authority; currently licensed in good standing, or application received within 90 days of cancellation with prior-state certification or NAIC database evidence of good standing.

Official no-examination sources

Effective from 2026-09-22.

Resident reapplication after the 12 month reinstatement period — Casualty
Massachusetts Producer - Casualty Insurance Exam
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Casualty
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior Lapse
The §162M(c) examination-free reinstatement window has ended. Reapply through the resident initial application; initial examination requirements apply unless an independently applicable statutory exemption or granted waiver covers the applicant.
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident reapplication after the 12 month reinstatement period — Limited Lines Credit
Producer - Limited Lines Credit (practice unavailable)
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Limited Lines Credit
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Instruction
The insurer must provide the limited-credit program of instruction required by §162L(d).
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior Lapse
The §162M(c) examination-free reinstatement window has ended. Reapply through the resident initial application; initial examination requirements apply unless an independently applicable statutory exemption or granted waiver covers the applicant.
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Scope
Credit authority is limited to coverage connected with an extension of credit; §162H expressly includes credit property, mortgage guaranty and guaranteed automobile protection coverage. The credit examination retains its entire official content.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident reapplication after the 12 month reinstatement period — Personal Lines
Massachusetts Insurance Examination — Producer - Personal Lines
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Personal Lines
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior Lapse
The §162M(c) examination-free reinstatement window has ended. Reapply through the resident initial application; initial examination requirements apply unless an independently applicable statutory exemption or granted waiver covers the applicant.
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Scope
Property and casualty coverage sold to individuals and families for primarily noncommercial purposes (§162M(a)(6)).
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident reapplication after the 12 month reinstatement period — Property
Producer - Property (practice unavailable)
Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Property
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior Lapse
The §162M(c) examination-free reinstatement window has ended. Reapply through the resident initial application; initial examination requirements apply unless an independently applicable statutory exemption or granted waiver covers the applicant.
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident reapplication after the 12 month reinstatement period — Property and Casualty

All of the following:

Application
Submit the uniform application truthfully and completely; upload supporting background and citizenship documentation when required.
Authority Requested
Property and Casualty
Fees
Pay applicable license fees. Property, Casualty and Personal Lines incur a $75 lead-paint surcharge, waived for Massachusetts resident veterans or legally blind applicants.
Fitness
No act constituting a ground for denial, suspension or revocation under §162R.
Minimum Age
At least 18 years of age (§162L(a)(1)).
Prelicensing Study
Complete a prelicensing course for the requested authority when required by the Commissioner (§162L(a)(3)).
Prior Lapse
The §162M(c) examination-free reinstatement window has ended. Reapply through the resident initial application; initial examination requirements apply unless an independently applicable statutory exemption or granted waiver covers the applicant.
Prior License Exemption
Applicants already licensed in good standing for the same authority in another state may qualify for §162O exemption; the separately recorded transfer pathways state those conditions.
Score Age
Massachusetts licensing examination scores are valid for 12 months (NIPR Massachusetts overview).
Resident reapplication for limited travel authority
No examination is required for this applicant pathway.
Application
Apply for limited travel authority in the Commissioner-prescribed manner; pay applicable fees.
Exemption
§162Z(b)(3) expressly exempts the limited travel producer and those registered under its license from §162K examinations and §177E continuing education.
Scope
Personal risks incidental to travel, including trip interruption, baggage loss and damage to accommodations or rental vehicles; major medical plans are excluded (§162Z(a)).
Supervising Entity
When operating through travel retailers, comply with the §162Z(b)(2) register, designated responsible licensed producer, resident-state fingerprinting, instruction and disclosure requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure after relocation to Massachusetts
No examination is required for this applicant pathway.
License Conversion
Former resident license must be canceled and verifiable in NIPR PDB; do not convert it to nonresident before receiving Massachusetts resident licensure.
Renewal Education
After conversion complete the first-renewal 60-credit CE requirement unless an applicable exemption governs.
Timing
Apply within 90 days of establishing legal residence; exemption covers previously held lines unless the Commissioner determines otherwise by regulation (§162O(b)).

Official no-examination sources

Effective from 2026-09-22.

Resident renewal
No examination is required for this applicant pathway.
Continuing Education
Complete 60 credits before first renewal, then 45 each three-year cycle, including 3 ethics credits. §177E(I) and 211 CMR 50.03 preserve exempt categories; producers licensed only for Credit or Travel are exempt from CE.
Fees
Pay renewal fees by the due date; applicable lead-paint surcharge applies to Property, Casualty or Personal Lines.
Flood Training
Selling NFIP flood coverage requires the prescribed 3-hour approved CE training.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within 12 months of lapse
No examination is required for this applicant pathway.
Penalty
Double the unpaid renewal fee is required for late renewal; meet applicable CE and other continuing eligibility requirements.
Time Limit
Reinstate within 12 months from the renewal-fee due date.

Official no-examination sources

Effective from 2026-09-22.

Producer - Limited Lines Credit

Provider
Pearson Professional Assessments
Format
Computer-administered multiple-choice examination at an authorized test center
Exam questions
50 scored questions and 5 pretest questions
Passing score
Scaled score of 70
Exam fee
$10
Examination outline
  • I. Insurance Regulation
    • 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 / 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. Rates
    • B. State regulation / 2. Company regulation / d. Policy forms
    • B. State regulation / 2. Company regulation / e. Examination of books and records
    • B. State regulation / 2. Company regulation / f. Producer appointments
    • B. State regulation / 2. Company regulation / g. 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 / 4. Unfair or deceptive insurance practices
    • B. State regulation / 4. Unfair or deceptive insurance practices / a. Misrepresentation
    • B. State regulation / 4. Unfair or deceptive insurance practices / b. False advertising
    • B. State regulation / 4. Unfair or deceptive insurance practices / c. Defamation of insurer
    • B. State regulation / 4. Unfair or deceptive insurance practices / d. Boycott, coercion and intimidation
    • B. State regulation / 4. Unfair or deceptive insurance practices / e. False financial statements
    • B. State regulation / 4. Unfair or deceptive insurance practices / f. Failure to maintain complaint record
    • B. State regulation / 4. Unfair or deceptive insurance practices / g. Unfair discrimination
    • B. State regulation / 4. Unfair or deceptive insurance practices / h. Unfair claims settlement practices
    • B. State regulation / 4. Unfair or deceptive insurance practices / i. Rebating
    • B. State regulation / 5. Insurance fraud regulation
    • B. State regulation / 6. Insurance Information and Privacy Protection
    • C. Federal regulation
    • C. Federal regulation / 1. Fair Credit Reporting Act
    • C. Federal regulation / 2. Fraud and false statements including 1033 waiver
  • II. General Insurance
    • A. Concepts
    • A. Concepts / 1. Risk management key terms
    • A. Concepts / 1. Risk management key terms / a. Risk
    • A. Concepts / 1. Risk management key terms / b. Exposure
    • A. Concepts / 1. Risk management key terms / c. Hazard
    • A. Concepts / 1. Risk management key terms / d. Peril
    • A. Concepts / 1. Risk management key terms / e. Loss
    • A. Concepts / 2. Methods of handling risk
    • A. Concepts / 2. Methods of handling risk / a. Avoidance
    • A. Concepts / 2. Methods of handling risk / b. Retention
    • A. Concepts / 2. Methods of handling risk / c. Sharing
    • A. Concepts / 2. Methods of handling risk / f. Reduction
    • A. Concepts / 2. Methods of handling risk / g. Transfer
    • A. Concepts / 3. Elements of insurable risks
    • A. Concepts / 4. Adverse selection
    • A. Concepts / 5. Law of large numbers
    • A. Concepts / 6. Reinsurance
    • B. Insurers
    • B. Insurers / 1. Types of insurers
    • B. Insurers / 1. Types of insurers / a. Stock companies
    • B. Insurers / 1. Types of insurers / b. Mutual companies
    • B. Insurers / 1. Types of insurers / c. Fraternal benefit societies
    • B. Insurers / 1. Types of insurers / d. Risk retention and risk purchasing groups
    • B. Insurers / 1. Types of insurers / e. Self-insurance groups
    • B. Insurers / 2. Private versus government insurers
    • B. Insurers / 3. Admitted versus nonadmitted insurers
    • B. Insurers / 4. Domestic, foreign and alien insurers
    • B. Insurers / 5. Financial status (independent rating services)
    • B. Insurers / 6. Marketing (distribution) systems
    • C. Producers and general rules of agency
    • C. Producers and general rules of agency / 1. Insurer as principal
    • C. Producers and general rules of agency / 2. Producer/insurer relationship
    • C. Producers and general rules of agency / 3. Authority and powers of producers
    • C. Producers and general rules of agency / 3. Authority and powers of producers / a. Express
    • C. Producers and general rules of agency / 3. Authority and powers of producers / b. Implied
    • C. Producers and general rules of agency / 3. Authority and powers of producers / c. Apparent
    • C. Producers and general rules of agency / 4. Responsibilities to the applicant/insured
    • D. Contracts
    • D. Contracts / 1. Elements of a legal contract
    • D. Contracts / 1. Elements of a legal contract / a. Offer and acceptance
    • D. Contracts / 1. Elements of a legal contract / b. Consideration
    • D. Contracts / 1. Elements of a legal contract / c. Competent parties
    • D. Contracts / 1. Elements of a legal contract / d. Legal purpose
    • D. Contracts / 2. Distinct characteristics of an insurance contract
    • D. Contracts / 2. Distinct characteristics of an insurance contract / a. Contract of adhesion
    • D. Contracts / 2. Distinct characteristics of an insurance contract / b. Aleatory contract
    • D. Contracts / 2. Distinct characteristics of an insurance contract / c. Personal contract
    • D. Contracts / 2. Distinct characteristics of an insurance contract / d. Conditional contract
    • D. Contracts / 3. Legal interpretations affecting contracts
    • D. Contracts / 3. Legal interpretations affecting contracts / a. Ambiguities in a contract of adhesion
    • D. Contracts / 3. Legal interpretations affecting contracts / b. Reasonable expectations
    • D. Contracts / 3. Legal interpretations affecting contracts / c. Indemnity
    • D. Contracts / 3. Legal interpretations affecting contracts / d. Utmost good faith
    • D. Contracts / 3. Legal interpretations affecting contracts / e. Representations/misrepresentations
    • D. Contracts / 3. Legal interpretations affecting contracts / f. Warranties
    • D. Contracts / 3. Legal interpretations affecting contracts / g. Concealment
    • D. Contracts / 3. Legal interpretations affecting contracts / h. Fraud
    • D. Contracts / 3. Legal interpretations affecting contracts / i. Waiver and estoppel
  • III. Consumer Credit Insurance Basics
    • A. Nature of consumer credit insurance
    • A. Nature of consumer credit insurance / 1. Parties involved
    • A. Nature of consumer credit insurance / 1. Parties involved / a. Debtor/insured
    • A. Nature of consumer credit insurance / 1. Parties involved / b. Creditor/beneficiary
    • A. Nature of consumer credit insurance / 1. Parties involved / c. Insurer
    • A. Nature of consumer credit insurance / 2. Advantages for debtors and for creditors
    • A. Nature of consumer credit insurance / 3. Markets
    • A. Nature of consumer credit insurance / 3. Markets / a. Banks and savings and loan associations
    • A. Nature of consumer credit insurance / 3. Markets / b. Credit unions
    • A. Nature of consumer credit insurance / 3. Markets / c. Finance companies
    • A. Nature of consumer credit insurance / 3. Markets / d. Credit card companies
    • A. Nature of consumer credit insurance / 3. Markets / e. Automobile dealers and manufacturers
    • A. Nature of consumer credit insurance / 3. Markets / f. Retailers
    • A. Nature of consumer credit insurance / 4. Types of credit covered — closed-end versus open-end
    • B. Coverage characteristics
    • B. Coverage characteristics / 1. Group coverage
    • B. Coverage characteristics / 2. Underwriting considerations
    • B. Coverage characteristics / 2. Underwriting considerations / a. Eligibility of groups
    • B. Coverage characteristics / 2. Underwriting considerations / b. Underwriting of the debtor/insured (group and individual)
    • B. Coverage characteristics / 2. Underwriting considerations / c. Evidence of insurability
    • B. Coverage characteristics / 3. Premiums
    • B. Coverage characteristics / 3. Premiums / a. Single premium versus monthly premium
    • B. Coverage characteristics / 3. Premiums / b. Basis and payment of premiums
    • B. Coverage characteristics / 4. Group policy general provisions
    • B. Coverage characteristics / 4. Group policy general provisions / a. Grace period
    • B. Coverage characteristics / 4. Group policy general provisions / b. Incontestability
    • B. Coverage characteristics / 4. Group policy general provisions / c. Entire contract
    • B. Coverage characteristics / 4. Group policy general provisions / d. Misstatement of age
    • B. Coverage characteristics / 4. Group policy general provisions / e. Policy maximums
    • B. Coverage characteristics / 4. Group policy general provisions / f. Autopsy provision
    • B. Coverage characteristics / 5. Benefit payments
    • B. Coverage characteristics / 5. Benefit payments / a. Effect on insured's debt
    • B. Coverage characteristics / 5. Benefit payments / b. Payment of excess benefits
    • C. Regulation
    • C. Regulation / 1. Massachusetts regulation
    • C. Regulation / 1. Massachusetts regulation / a. Approval of forms
    • C. Regulation / 1. Massachusetts regulation / b. Amounts to be insured
    • C. Regulation / 1. Massachusetts regulation / c. Term of insurance
    • C. Regulation / 1. Massachusetts regulation / d. Premium rates
    • C. Regulation / 1. Massachusetts regulation / e. Premium refunds
    • C. Regulation / 1. Massachusetts regulation / f. Choice of insurer
    • C. Regulation / 1. Massachusetts regulation / g. Life and Health Insurance Guaranty Association
    • C. Regulation / 1. Massachusetts regulation / h. Evidence of coverage
    • C. Regulation / 1. Massachusetts regulation / i. Termination of group coverage
    • C. Regulation / 1. Massachusetts regulation / j. Claims processing
    • C. Regulation / 1. Massachusetts regulation / k. Prohibited transactions
    • C. Regulation / 2. Federal regulation
    • C. Regulation / 2. Federal regulation / a. Consumer Credit Protection Act (Truth-in-Lending Act)
    • D. Disclosure requirements
  • IV. Types of Consumer Credit Insurance
    • A. Credit life insurance
    • A. Credit life insurance / 1. Eligibility of the individual insured
    • A. Credit life insurance / 2. Contributory versus non-contributory
    • A. Credit life insurance / 3. Gross coverage versus net payoff coverage
    • A. Credit life insurance / 4. Types of insurance coverages
    • A. Credit life insurance / 4. Types of insurance coverages / a. Decreasing term
    • A. Credit life insurance / 4. Types of insurance coverages / b. Level term
    • A. Credit life insurance / 4. Types of insurance coverages / c. Monthly outstanding balance
    • A. Credit life insurance / 4. Types of insurance coverages / d. Joint credit life
    • A. Credit life insurance / 4. Types of insurance coverages / e. Truncated life
    • A. Credit life insurance / 5. Suicide clause
    • B. Credit disability insurance (30-day non-retroactive only)
    • B. Credit disability insurance (30-day non-retroactive only) / 1. Eligibility of the individual insured
    • B. Credit disability insurance (30-day non-retroactive only) / 2. Qualifying for benefits
    • B. Credit disability insurance (30-day non-retroactive only) / 2. Qualifying for benefits / a. Sickness or injury
    • B. Credit disability insurance (30-day non-retroactive only) / 2. Qualifying for benefits / b. Definition of disability (own occupation versus any occupation)
    • B. Credit disability insurance (30-day non-retroactive only) / 2. Qualifying for benefits / c. Elimination period
    • B. Credit disability insurance (30-day non-retroactive only) / 2. Qualifying for benefits / d. Benefit period
    • B. Credit disability insurance (30-day non-retroactive only) / 3. Benefit amount
    • B. Credit disability insurance (30-day non-retroactive only) / 4. Special types of coverage
    • B. Credit disability insurance (30-day non-retroactive only) / 4. Special types of coverage / a. Critical period
    • B. Credit disability insurance (30-day non-retroactive only) / 5. Common exclusions
    • B. Credit disability insurance (30-day non-retroactive only) / 5. Common exclusions / a. Pre-existing conditions
    • B. Credit disability insurance (30-day non-retroactive only) / 5. Common exclusions / b. Intentionally self-inflicted injury
    • B. Credit disability insurance (30-day non-retroactive only) / 5. Common exclusions / c. Normal pregnancy
    • B. Credit disability insurance (30-day non-retroactive only) / 5. Common exclusions / d. Act of War
    • C. Credit unemployment insurance
    • C. Credit unemployment insurance / 1. Eligibility of the individual insured
    • C. Credit unemployment insurance / 2. Qualifying for benefits
    • C. Credit unemployment insurance / 2. Qualifying for benefits / a. Definition of involuntary unemployment
    • C. Credit unemployment insurance / 2. Qualifying for benefits / b. Elimination period
    • C. Credit unemployment insurance / 3. Benefit period
    • C. Credit unemployment insurance / 4. Benefit amount
    • C. Credit unemployment insurance / 5. Special types of coverage
    • C. Credit unemployment insurance / 5. Special types of coverage / a. Joint unemployment
    • C. Credit unemployment insurance / 5. Special types of coverage / b. Limited Benefit
    • C. Credit unemployment insurance / 5. Special types of coverage / c. Truncated unemployment
Examination sources

Producer - Property

Provider
Pearson Professional Assessments
Format
Computer-administered multiple-choice examination at an authorized test center
Exam questions
80 scored questions and 10 pretest questions (50 general knowledge and 30 Massachusetts specific scored questions)
Passing score
Scaled score of 70
Exam fee
$37
Examination outline
  • General Knowledge — I. PROPERTY: TYPES OF 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. Commercial lines
    • C. Commercial lines / 1. Commercial Package Policy (CPP)
    • C. Commercial lines / 2. Commercial property
    • C. Commercial lines / 2. Commercial property / a. Commercial building and business personal property form
    • C. Commercial lines / 2. Commercial property / b. Causes of loss forms
    • C. Commercial lines / 2. Commercial property / c. Business income
    • C. Commercial lines / 2. Commercial property / d. Extra expense
    • C. Commercial lines / 2. Commercial property / e. Equipment breakdown
    • C. Commercial lines / 3. Business Owners Policy (BOP)
    • C. Commercial lines / 4. Builders Risk
    • C. Commercial lines / 5. Cyber First-Party Coverage
    • D. Inland marine
    • D. Inland marine / 1. Personal Articles floaters
    • D. Inland marine / 2. Commercial Property floaters
    • E. National Flood Insurance Program
    • F. Others
    • F. Others / 1. Earthquake
    • F. Others / 2. Mobile Homes
    • F. Others / 3. Watercraft
    • F. Others / 4. Farm Owners
    • F. Others / 5. Windstorm
  • General Knowledge — II. PROPERTY: 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/agreed 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
  • General Knowledge — III. PROPERTY: POLICY PROVISIONS AND CONTRACT LAW
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured
    • 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. Warranties, representations, and concealment
    • P. Sources of underwriting information
    • Q. Fair Credit Reporting Act
    • R. Privacy Protection (Gramm Leach Bliley)
    • S. Policy Application
    • T. Terrorism Risk Insurance Act (TRIA)
    • U. 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 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 INSURANCE ONLY
    • A. Massachusetts laws, regulations, and required provisions
    • A. Massachusetts laws, regulations, and required provisions / 1. Massachusetts Insurers Insolvency Fund
    • A. Massachusetts laws, regulations, and required provisions / 2. Cancellation and nonrenewal
    • A. Massachusetts laws, regulations, and required provisions / 3. Concealment, misrepresentation or fraud
    • A. Massachusetts laws, regulations, and required provisions / 4. Appraisal
    • A. Massachusetts laws, regulations, and required provisions / 5. Rates
    • 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
    • D. Commercial inland marine
    • D. Commercial inland marine / 1. Nationwide marine definition
    • E. Surplus lines
    • E. Surplus lines / 1. Definitions and markets
Examination sources

Massachusetts Producer - Casualty Insurance Exam

Provider
Pearson Professional Assessments
Format
Computer-delivered multiple-choice examination; English and Spanish delivery options.
Exam questions
50 scored plus 5 pretest general-knowledge questions; 30 scored plus 5 pretest Massachusetts-specific questions.
Passing score
70 scaled score
Exam fee
$37
Examination outline
  • GENERAL KNOWLEDGE I. CASUALTY: TYPES OF POLICIES, BONDS, AND RELATED TERMS
    • A. Commercial general liability
    • A. Commercial general liability > 1. Exposures
    • A. Commercial general liability > 1. Exposures > a. Premises and Operations
    • A. Commercial general liability > 1. Exposures > b. Products and Completed Operations
    • A. Commercial general liability > 2. Coverage
    • A. Commercial general liability > 2. Coverage > a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
    • A. Commercial general liability > 2. Coverage > b. Coverage B: Personal Injury and Advertising Injury
    • A. Commercial general liability > 2. Coverage > c. Coverage C: Medical Payments
    • A. Commercial general liability > 2. Coverage > d. Supplemental Payments
    • A. Commercial general liability > 2. Coverage > e. Who is an insured
    • A. Commercial general liability > 2. Coverage > f. First named insured
    • A. Commercial general liability > 2. Coverage > g. Limits (Per occurrence, Annual Aggregate)
    • A. Commercial general liability > 2. Coverage > h. Damage to Property of Others
    • B. Automobile: personal auto and business auto
    • B. Automobile: personal auto and business auto > 1. Liability
    • B. Automobile: personal auto and business auto > 1. Liability > a. Bodily Injury
    • B. Automobile: personal auto and business auto > 1. Liability > b. Property Damage
    • B. Automobile: personal auto and business auto > 1. Liability > c. Split Limits
    • B. Automobile: personal auto and business auto > 1. Liability > d. Combined Single Limit
    • B. Automobile: personal auto and business auto > 2. Medical Payments
    • B. Automobile: personal auto and business auto > 3. Physical Damage (collision; other than collision; specified perils)
    • B. Automobile: personal auto and business auto > 4. Uninsured motorists
    • B. Automobile: personal auto and business auto > 5. Underinsured motorists
    • B. Automobile: personal auto and business auto > 6. Who is an insured
    • B. Automobile: personal auto and business auto > 7. Types of Auto
    • B. Automobile: personal auto and business auto > 7. Types of Auto > a. Owned
    • B. Automobile: personal auto and business auto > 7. Types of Auto > b. Non-owned
    • B. Automobile: personal auto and business auto > 7. Types of Auto > c. Hired
    • B. Automobile: personal auto and business auto > 7. Types of Auto > d. Temporary Substitute
    • B. Automobile: personal auto and business auto > 7. Types of Auto > e. Newly Acquired Autos
    • B. Automobile: personal auto and business auto > 7. Types of Auto > f. Transportation Expense and Rental Reimbursement Expense
    • B. Automobile: personal auto and business auto > 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
    • B. Automobile: personal auto and business auto > 9. Exclusions
    • B. Automobile: personal auto and business auto > 10. Individual Named Insured and Drive Other Car (DOC)
    • B. Automobile: personal auto and business auto > 11. Mobile equipment
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues > 1. Standard policy concepts
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues > 1. Standard policy concepts > a. Who is an employee/employer
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues > 1. Standard policy concepts > b. Compensation
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues > 2. Work-related vs. non-work-related
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues > 3. Other states’ insurance
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues > 4. Employers Liability
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues > 5. Exclusive remedy
    • C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues > 6. Premium Determination
    • D. Crime
    • D. Crime > 1. Employee Dishonesty
    • D. Crime > 2. Theft
    • D. Crime > 3. Robbery
    • D. Crime > 4. Burglary
    • D. Crime > 5. Forgery and Alteration
    • D. Crime > 6. Mysterious disappearance
    • E. Bonds
    • E. Bonds > 1. Surety
    • E. Bonds > 2. Fidelity
    • F. Professional liability
    • F. Professional liability > 1. Errors and Omissions
    • F. Professional liability > 2. Medical Malpractice
    • F. Professional liability > 3. Directors and Officers (D&O)
    • F. Professional liability > 4. Employment Practices Liability (EPLI)
    • F. Professional liability > 5. Cyber liability and data breach, funds transfer
    • F. Professional liability > 6. Liquor liability
    • G. Umbrella/Excess Liability
    • H. Business Owners Policy (BOP)
  • GENERAL KNOWLEDGE II. CASUALTY: INSURANCE TERMS AND RELATED CONCEPTS
    • A. Risk
    • B. Hazards
    • B. Hazards > 1. Moral
    • B. Hazards > 2. Morale
    • B. Hazards > 3. Physical
    • C. Indemnity
    • D. Insurable interest
    • E. Loss valuation
    • E. Loss valuation > 1. Actual cash value
    • E. Loss valuation > 2. Replacement cost
    • E. Loss valuation > 3. Market value
    • E. Loss valuation > 4. Stated/agreed value
    • E. Loss valuation > 5. Salvage value
    • F. Negligence
    • G. Liability
    • H. Occurrence
    • I. Binders
    • J. Warranties
    • K. Representations
    • L. Concealment
    • M. Deposit Premium/Audit
    • N. Certificate of Insurance
    • O. Law of Large Numbers
    • P. Pure vs. Speculative Risk
    • Q. Endorsements
    • R. Damages
    • R. Damages > 1. Compensatory
    • R. Damages > 1. Compensatory > a. General
    • R. Damages > 1. Compensatory > b. Special
    • R. Damages > 2. Punitive
    • S. Compliance with provisions of Fair Credit Reporting Act
  • GENERAL KNOWLEDGE III. CASUALTY: POLICY PROVISIONS
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions and Limitations
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Cancellation and nonrenewal provisions
    • H. Supplementary payments
    • I. Proof of loss
    • J. Notice of claim
    • K. Arbitration
    • L. Other insurance
    • M. Subrogation
    • N. Loss settlement provisions including consent to settle a loss
    • O. Terrorism Risk Insurance Act (TRIA)
  • 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 > c. Business entity producers
    • A. Licensing > 2. Types of licenses > d. Nonresident producers
    • A. Licensing > 2. Types of licenses > e. Temporary
    • A. Licensing > 2. Types of licenses > f. Special brokers
    • A. Licensing > 2. Types of licenses > g. Advisers
    • A. Licensing > 2. Types of licenses > h. Public insurance adjusters
    • A. Licensing > 2. Types of licenses > i. Reinsurance intermediaries
    • 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 CASUALTY INSURANCE ONLY
    • A. Massachusetts laws, regulations, and required provisions
    • A. Massachusetts laws, regulations, and required provisions > 1. Massachusetts Insurers Insolvency Fund
    • A. Massachusetts laws, regulations, and required provisions > 2. Cancellation and nonrenewal
    • A. Massachusetts laws, regulations, and required provisions > 3. Concealment, misrepresentation, or fraud
    • A. Massachusetts laws, regulations, and required provisions > 4. Rates
    • B. Massachusetts law specific to auto insurance
    • B. Massachusetts law specific to auto insurance > 1. Massachusetts Compulsory Motor Vehicle Liability Insurance
    • B. Massachusetts law specific to auto insurance > 1. Massachusetts Compulsory Motor Vehicle Liability Insurance > a. Required limits of liability
    • B. Massachusetts law specific to auto insurance > 1. Massachusetts Compulsory Motor Vehicle Liability Insurance > b. Required proof of insurance
    • B. Massachusetts law specific to auto insurance > 2. Massachusetts Automobile Insurance Assigned Risk Plan (MAIP)/CAR
    • B. Massachusetts law specific to auto insurance > 2. Massachusetts Automobile Insurance Assigned Risk Plan (MAIP)/CAR > a. Notice of eligibility in the plan
    • B. Massachusetts law specific to auto insurance > 3. Personal injury protection
    • B. Massachusetts law specific to auto insurance > 3. Personal injury protection > a. Medical
    • B. Massachusetts law specific to auto insurance > 3. Personal injury protection > b. Loss of income/Lost Wages
    • B. Massachusetts law specific to auto insurance > 3. Personal injury protection > c. Death
    • B. Massachusetts law specific to auto insurance > 3. Personal injury protection > d. Funeral
    • B. Massachusetts law specific to auto insurance > 3. Personal injury protection > e. Replacement services
    • B. Massachusetts law specific to auto insurance > 4. Uninsured/underinsured motorist
    • B. Massachusetts law specific to auto insurance > 4. Uninsured/underinsured motorist > a. Bodily injury
    • B. Massachusetts law specific to auto insurance > 4. Uninsured/underinsured motorist > b. Required limits
    • B. Massachusetts law specific to auto insurance > 5. Cancellation/nonrenewal
    • B. Massachusetts law specific to auto insurance > 5. Cancellation/nonrenewal > a. Grounds
    • B. Massachusetts law specific to auto insurance > 5. Cancellation/nonrenewal > b. Notice
    • B. Massachusetts law specific to auto insurance > 6. Aftermarket parts regulation
    • B. Massachusetts law specific to auto insurance > 7. Regulation of rates for motor vehicle insurance
    • B. Massachusetts law specific to auto insurance > 8. Private passenger motor vehicle insurance rates
    • B. Massachusetts law specific to auto insurance > 9. Appraisal
    • C. Commercial general liability
    • C. Commercial general liability > 1. Defense within limits versus open limits
    • D. Workers’ Compensation
    • D. Workers’ Compensation > 1. Massachusetts Workers’ Compensation Act
    • D. Workers’ Compensation > 1. Massachusetts Workers’ Compensation Act > a. Exclusive remedy
    • D. Workers’ Compensation > 1. Massachusetts Workers’ Compensation Act > b. Employment covered (required, voluntary)
    • D. Workers’ Compensation > 1. Massachusetts Workers’ Compensation Act > c. Covered injuries
    • D. Workers’ Compensation > 1. Massachusetts Workers’ Compensation Act > d. Occupational disease
    • D. Workers’ Compensation > 1. Massachusetts Workers’ Compensation Act > e. Benefits provided
    • D. Workers’ Compensation > 1. Massachusetts Workers’ Compensation Act > f. Subsequent injury fund
    • D. Workers’ Compensation > 1. Massachusetts Workers’ Compensation Act > g. Subrogation
    • D. Workers’ Compensation > 2. Other sources of coverage
    • D. Workers’ Compensation > 2. Other sources of coverage > a. Assigned risk plan
    • D. Workers’ Compensation > 2. Other sources of coverage > b. Self-insured employers and employer groups
    • D. Workers’ Compensation > 2. Other sources of coverage > c. Massachusetts Workers' Compensation Trust Fund
    • E. Other Coverages and Options
    • E. Other Coverages and Options > 1. Surplus lines
    • E. Other Coverages and Options > 1. Surplus lines > a. Definitions and markets
    • E. Other Coverages and Options > 2. Residual markets
    • E. Other Coverages and Options > 2. Residual markets > a. Hospitality Mutual (Joint Underwriting Association) – Liquor Liability
Examination sources

Massachusetts Insurance Examination — 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