To pass the Maine Property and Casualty insurance licensing exam on your first attempt, follow a disciplined preparation plan: First, systematically study core policy forms — Homeowners (HO-2 through HO-8), Dwelling (DP-1 through DP-3), Personal Auto Policy (PAP Parts A–D), Commercial General Liability (CGL occurrence vs. claims-made), Businessowners Policies (BOP), and Workers Compensation. Second, master Maine-specific statutes under Title 24-A, Title 29-A, and Title 39-A, including 50/100/25 auto minimums, mandatory $2,000 MedPay, 10-day nonpayment cancellation notices, 90-day binder limits, and MIGA insolvency protections. Third, practice with timed mock exams formatted for Pearson VUE's 150-minute testing environment until you consistently score 80% or higher, giving you a comfortable cushion above Maine's 70% passing threshold.

The combined Maine Property and Casualty producer examination administered by Pearson VUE consists of 150 multiple-choice questions (including general national property/casualty concepts and Maine-specific insurance regulations). You have 2.5 hours (150 minutes) to complete the examination. The passing score is 70%. Pearson VUE provides immediate preliminary score results at the conclusion of your test session.

The exam covers national insurance principles and Maine state-specific insurance statutes. Property topics include basic contract law, property valuation (ACV, replacement cost, coinsurance), dwelling and homeowners forms, and commercial property coverages. Casualty topics include negligence and liability torts, personal auto (PAP), commercial general liability (CGL), commercial auto, and Maine workers compensation (Title 39-A). State law topics cover Maine Bureau of Insurance (BOI) Superintendent powers, producer licensing (24 CE hours biennially with 3 hours ethics), 3-year record retention, unfair trade practices, auto minimums (50/100/25), and the Maine Insurance Guaranty Association (MIGA).

The Maine combined Property & Casualty examination fee is $80, payable directly to Pearson VUE upon scheduling ($55 for a single-line Property or Casualty examination). Examinations are administered at Pearson VUE testing centers in Maine (including Bangor, Portland/South Portland, and Presque Isle) and via Pearson VUE OnVUE remote online proctoring. You can schedule online through the Pearson VUE Maine Insurance Portal (home.pearsonvue.com/me/insurance).

Maine does not mandate classroom pre-licensing education hours (self-study is permitted). To qualify for a Maine resident Property and Casualty producer license, you must: (1) be at least 18 years of age, (2) pass the Pearson VUE Property and Casualty licensing examination with a score of 70% or higher, and (3) submit an electronic resident producer application via NIPR (nipr.com) with the state producer licensing fee of $55 per line. Maine licenses renew biennially on the last day of the licensee's birth month.

If you do not pass the examination, Pearson VUE will provide an official diagnostic score report detailing your performance across each content area. You can reschedule your retake through Pearson VUE as soon as test appointments are available. The standard $80 exam fee applies for each attempt. Review your score breakdown to focus your study on deficient topic areas — such as liability concepts, policy exclusions, or Maine state regulations — before re-testing.

Under 24-A M.R.S. § 1483, licensed Maine resident producers must complete 24 credit hours of approved continuing education every two-year cycle, including at least 3 hours dedicated to approved ethics coursework. Producers may carry forward up to 6 excess general CE credit hours to the subsequent renewal term.