Maine Insurance Exam Cheat Sheet
Unlock the official Maine Life & Health exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free Maine practice questions to test your knowledge.
What's Covered on the Maine Life & Health Exam
Key exam lines — know what each one tests
Life Insurance Line
- Term, Whole, Universal & Variable Life policies
- Annuities (fixed, variable, immediate, deferred)
- Beneficiary designations & settlement options
- Policy riders: waiver of premium, AD&D, COLA
- Replacement rules & suitability requirements
- Grace period: 30 / 31 Days | Free-look: 10 Days (30 Days)
Health Insurance Line
- Individual & group health, HMO, PPO, EPO, POS plans
- Medicare Parts A, B, C, D & Medigap supplements
- Medicaid & CHIP eligibility rules
- COBRA, HIPAA, ACA & continuation provisions
- Disability income: STD & LTD elimination periods
- Grace periods: 7 / 10 / 31 days by premium mode
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Frequently Asked Questions
Q:How many questions are on the Maine insurance exam?
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.
Q:What is the passing score for the Maine insurance exam?
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.
Q:How much does the Maine insurance exam cost?
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.
Q:How long do I have to complete the Maine insurance exam?
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.
Q:What happens if I fail the Maine insurance exam?
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.
Q:Do I need pre-licensing education for a Maine insurance license?
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.