Massachusetts Life & Health Insurance Cram Guide

Massachusetts Insurance Exam Cheat Sheet

Unlock the official Massachusetts exam cram sheet to master key state regulations, policy definitions, and exam-day metrics. Or, start with our free Massachusetts practice questions to test your knowledge.

What's Covered on the Massachusetts Life & Health Exam

Two 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: 31 Days | Free-look: 10 Days (30 Days (LTC/Medicare))

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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Massachusetts

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All 1000+ Massachusetts practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

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Massachusetts

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Pass Guarantee — 100% money back
All 1000+ Massachusetts practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

Massachusetts

Pass with Confidence

30-day access - One-time payment

57% of our users prefer this option to ensure they pass on the first try.

$59

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 1000+ Massachusetts practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

Master the Exam

90-day access - One-time payment

78% of candidates select this plan to guarantee a passing score.

$89

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 1000+ Massachusetts practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

Massachusetts

Ultimate Flexibility

365-day access - One-time payment

Perfect for studying at your own pace with zero pressure.

$129

Not a subscription, one time payment only

Pass Guarantee — 100% money back
All 1000+ Massachusetts practice questions (covers both Life & Health)
Unlimited mock tests
Tricky question bank (most commonly missed questions)
500+ Flashcards
Progress tracking + pass probability score
Priority support

Instant Access. Works on phone, tablet, or laptop.

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Frequently Asked Questions

Q:How many questions are on the Massachusetts insurance exam?

The combined Massachusetts Life, Annuities and Health insurance exam generally contains around 150 questions. You have 2 hours and 30 minutes to complete the combined exam.

Q:What is the passing score for the Massachusetts insurance exam?

To pass the Massachusetts insurance licensing exam, you must achieve a score of 70% or higher.

Q:How much does the Massachusetts insurance exam cost?

The exam fee is $49 for a combined line exam, paid directly to Prometric when you schedule.

Q:How long do I have to complete the Massachusetts insurance exam?

You have 2 hours and 30 minutes to complete the combined Life and Health exam in Massachusetts.

Q:What happens if I fail the Massachusetts insurance exam?

If you fail the exam, you must wait 24 hours before scheduling a re-examination. You must pay the full exam fee for each attempt.

Q:Do I need pre-licensing education for a Massachusetts insurance license?

No. As of a change in state requirements, Massachusetts state no longer requires candidates to complete a pre-licensing education course before taking the exam. However, comprehensive study programs are highly recommended.