The combined Maine Life, Accident and Health examination contains 150 multiple-choice questions (divided into general national insurance concepts and Maine-specific insurance statutes and regulations). Candidates who choose to test for a single line of authority take approximately 75 to 100 questions (Life-only or Health-only). Pearson VUE also embeds a small number of unscored pre-test questions to evaluate future exam items, though these do not affect your final score. You are allowed 2 hours and 30 minutes (150 minutes) for the combined examination, meaning you should maintain a steady pace of roughly one minute per question.

To pass the Maine insurance producer licensing examination, you must achieve a scaled score of 70% or higher. Your score reflects performance across both core insurance knowledge (policy provisions, annuities, and health coverages) and Maine-specific insurance statutes under Title 24-A M.R.S. (including Rule Chapter 910 replacement disclosures, producer licensing, and unfair trade practices). Because state law questions are heavily tested, we strongly recommend candidates consistently achieve scores of 80% to 85% or higher on timed practice exams prior to their test date to ensure a comfortable passing margin.

The Maine insurance examination fee is $80 for the combined Life and Health examination, or $55 for a single-line examination (Life only or Health only). Fees are payable directly to Pearson VUE at the time you register and schedule your testing appointment online or by phone. Note that exam fees are distinct from the state license application fee, which is submitted to the Maine Bureau of Insurance through NIPR or the state licensing portal following successful completion of your exam. If you fail an attempt or need to re-test, you must pay the applicable examination fee ($80 combined / $55 single) again for each subsequent examination.

For the combined Life, Accident and Health examination, you have 2 hours and 30 minutes (150 minutes) of total testing time. If you are taking a single-line examination (Life-only or Health-only), the time limit is 2 hours (120 minutes). In addition, Pearson VUE offers an optional brief tutorial before the test begins to familiarize you with the testing interface, which does not deduct from your exam time. All examinations are administered under strict computerized countdown timers that automatically submit your exam when time expires.

If you do not achieve the required 70% passing score, Pearson VUE will issue an immediate official score report displaying a diagnostic breakdown of your performance across each content category. This report highlights specific domains where you scored below expectations, allowing you to target your study efforts. Under Maine Bureau of Insurance guidelines, you must wait at least 24 hours before scheduling a re-examination attempt through Pearson VUE. There is no statutory limit on the number of retakes, but you must pay the full exam fee ($80 for combined L&H or $55 for single-line) for every attempt. We advise taking several full-length practice tests to reinforce weak areas before re-scheduling.

No. Under Title 24-A M.R.S. § 1410, Maine does not legally mandate completion of formal pre-licensing education course hours prior to taking the insurance exam. However, self-studying without structured materials is risky because the examination tests intricate state-specific laws and timelines. Key distinctions include Maine's 2-year incontestability clause for life insurance (24-A M.R.S. § 2507) versus the 3-year statutory time limit on certain defenses for individual health insurance (24-A M.R.S. § 2706), 30-day free-look rules for replacements, LTC, and Medicare Supplements, and Maine Life and Health Insurance Guaranty Association provisions. Thorough preparation with comprehensive study guides, practice question banks, and flashcards is strongly recommended.

The Maine insurance licensing examinations are administered exclusively by Pearson VUE under contract with the Maine Bureau of Insurance (a division of the Maine Department of Professional and Financial Regulation). Pearson VUE offers computer-based testing at authorized physical testing centers in Maine (including Portland/South Portland, Bangor, and Presque Isle) as well as affiliated Pearson VUE testing centers in neighboring states and via OnVUE online proctoring. Appointments must be scheduled in advance through the Pearson VUE Maine insurance portal or by telephone.