Massachusetts’s ordinary first-time resident Producer—Life pathway requires the current Pearson Producer – Life Insurance Exam followed by an Insurance Producer application through NIPR. Variable Life and Variable Annuity is a separate adjacent authority.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Resident individual applicant
- General eligibility explanation
- Ordinary first-time Massachusetts resident individual seeking the separate Producer—Life line of authority.
Prelicensing education
- Prelicensing education required
- No
- Required education hours
- 0
- Education requirement explanation
- The current ordinary DOI, Pearson, and NIPR workflow does not identify a regulator-approved Life prelicensing course step. Optional exam preparation may still be useful, and Massachusetts may request supporting material in another applicant circumstance.
- Exemptions available
- Yes
- Exemption explanation
- Reciprocity and move-to-state treatment depend on equivalent prior authority and good standing. Variable Life and Variable Annuity is exam-exempt but requires active Life authority and a CRD number; it is not part of this ordinary Life pathway.
Background
- Fingerprints required
- No
- Background check required
- Yes
- Fingerprint / background instructions
- The ordinary current producer workflow includes background-disclosure review but does not identify routine fingerprint enrollment. This is a qualified workflow conclusion, not an absolute fingerprint exemption; submit requested supporting documents for affirmative background answers.
Application
- Application required
- Yes
- Application fee
- $225 Massachusetts state fee. NIPR transaction charges are separate and should be confirmed in the live application before payment. The state fee is waived for qualifying Massachusetts resident military veterans and the legally blind; the waiver does not establish relief from Pearson or NIPR charges.
- Application channel / system
- NIPR
- Application instructions
- Reserve and pass the current Pearson Producer – Life Insurance Exam, then apply through NIPR and submit any required supporting documents. Monitor the application through State Based Systems.
- Official application reference
- https://nipr.com/licensing-center/state-requirements/massachusetts-resident-licensing-individual
Renewal & maintenance
- Renewal cycle
- Every three years by birth date
- Renewal fee
- $225 timely producer renewal. A Life-only producer reinstating within 12 months pays $450; live transaction charges and any CE-related penalties are separate.
- CE required
- Yes
- CE hours
- 60
- CE cycle
- First renewal: 60 credits; later three-year renewals: 45 credits
- Ethics hours
- 3
- CE explanation
- Complete 60 CE credits including 3 ethics credits for the first renewal, then 45 credits including 3 ethics for each later three-year renewal. Failure to complete CE on time may cause additional penalties and reinstatement charges.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- Move-to-state and reciprocal treatment is conditional on equivalent prior authority and good standing; no blanket resident examination waiver is represented.
Military / veteran / spouse
- Veteran-specific provisions
- A Massachusetts resident military veteran may claim waiver of the state producer fee by submitting DD-214 documentation through the NIPR Attachment Warehouse. This does not establish waiver of the Pearson exam fee or NIPR transaction charges.
Source governance
- Primary authoritative source
- https://www.mass.gov/info-details/individual-insurance-producer
- Secondary official sources
- Massachusetts DOI licensing and producer FAQ pages; Pearson Massachusetts Candidate Handbook #122300 (June 2026); Pearson Content Outlines #122301 (effective July 22, 2026); NIPR Massachusetts resident-individual requirements; 801 CMR 4
- Statute / regulation reference
- Massachusetts General Laws chapter 175, sections 162M and 177E; 211 CMR 50; 801 CMR 4
- Source reference URL
- https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122300.pdf
- Last verified date
- 2026-08-24
- Verification status
- Verified
- Review / recheck date
- 2026-09-24
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