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Massachusetts Insurance Continuing Education State Requirements

On this page, you will find all of the state-specific information for Insurance CE in the state of Massachusetts.

Massachusetts Department of Insurance

Commonwealth of Massachusetts
Division of Insurance
1000 Washington St, Suite 810
Boston, MA 02118-6200
General Information:
Toll Free Number: (877) 563-4467
Main Phone Line: (617) 521-7794

Transcript: Only Licensees can Access - Click Here for Link

COVID-19 Updates:


Effective 4/7/2020: To assist individual licensees with the satisfaction of their CE requirements, the Division is waiving the proctor requirement for all approved online CE courses. All insurance licenses in good standing as of the date of the Emergency Declaration that expire during the state of emergency are extended and shall remain valid for a period of 90 days following the state of emergency's expiration. For online courses where a proctor is required, DOI has created the Continuing Education Attestation of Personal Responsibility Form. This form will require individuals to attest that they have not received outside assistance while completing the online course exam. Providers must collect this form from the student in a method determined by the provider prior to electronically banking/submitting credits to Prometric. Electronic signature is acceptable.


Annuity Requirements

All producers who wish to market and sell variable life and variable annuity products in Massachusetts, including group variable products, must be licensed to do so. The licensing prerequisites for these lines of authority are: (1) the producer must have successfully passed a life insurance examination; (2) the producer must have successfully passed the FINRA Series 6 or Series 7 examinations; (3) the producer must be actively licensed and in good standing with FINRA; (4) the producer must possess a valid FINRA Central Registration Depository (“CRD”) number; and (5) the producer must be affiliated with a registered broker/dealer who also is in good standing with FINRA.

Producers are required to identify their CRD numbers on their licensing applications. The identification of this number serves as the producer’s attestation that he/she has met all of the five requirements detailed above. The producer has an ongoing obligation to ensure that all five of these requirements remain current and valid.

Effective July 1, 2016:  An insurance producer may not sell, solicit, or negotiate an annuity product unless the producer has completed an approved one-time 4-hour training course.

Individuals who obtain a life insurance line of authority may not engage in the sale of annuities until the one-time annuity training course has been completed.

Long-Term Care Training


In order to sell, solicit, or negotiate long-term care insurance, a producer must be licensed for health, accident or sickness, and complete a one-time 8-hour training course. Producers must also complete four (4) hours of ongoing training every 24 months. The ongoing training requirement must be completed in the 24-month period beginning the day following the completion of the one-time training. The training hours count toward the required CE hours.

Producers who have already taken an initial or refresher long-term care training course in another state will need to take an additional 2-hour long-term care training course specific to the MassHealth requirements.


All Other State Requirements

Resident Requirements

Licensees must complete sixty (60) hours of continuing education during their first 3-year license term, including three (3) hours of MA approved Ethics.

Licensees must complete 45 hours of continuing education credit every three years after the initial 3-year period, including the three (3) hours of MA approved Ethics. Licensees are encouraged to take at least one credit hour of approved instruction in each line for which they are licensed.

Questions regarding the ethics requirement should be directed to the Division’s Producer Licensing Department at (617) 521-7794.

All Massachusetts resident producers who sell flood insurance must complete a one-time 3-hour course on flood insurance and the National Flood Insurance program.

Non-Resident Requirements

Non-residents who comply with CE requirements of the resident state are exempt from Massachusetts CE requirements.

Course Repetition

A course may not be taken for credit more than once within three (3) years from the original completion date.

Exam Rules

Online certification exams are closed book. Course materials are not available while the exam is in progress. The final exam must be passed with a score of 70% or higher to receive CE credit. If the exam is not passed on the first attempt, students have an unlimited number of retakes.

Proctor/Monitor Requirements

Online Exams must be monitored by a disinterested third party. A disinterested third party certifies that the licensee completed the exam without assistance (i.e., closed book, no tiling/layering of screens, etc.) and is someone who has no financial interest in the success or failure of the student’s ability to maintain their license. The monitor must print and complete the Declaration of Compliance from the website and mail or fax the signed document to Kaplan. A copy of the Declaration of Compliance must be received within 9 days in order to ensure reporting to the state of Massachusetts. It is strongly recommended that this be faxed immediately upon completion of the course. Faxed copies can be sent to Kaplan at (608) 779-0442.

Proctor Disclaimer: Many states have specific and stringent proctoring requirements.  Please verify with your state before selecting a proctor in order to be in compliance with the state's proctoring requirements.  Failure in obtaining a qualified proctor will result in your exam being rejected, then you'll need to retake the exam(s) with a qualified proctor for credit.

Period Requirements

Massachusetts resident licensees must complete their CE requirements before the original license issuance anniversary date every three years.

Carryover Requirements

A maximum of 45 hours may be carried over to the next compliance period. These hours can be from classroom, self-study, or online courses.

Reporting Requirements

Report within 10 days of completion. Need Agent’s license number and state filing fees ($.50 per credit hour).

State Reporting Fees

Beginning 7/21/2021, the MA Department of Insurance requires a course reporting fee of $1.50 per credit hour (online or self-study courses). This state reporting fee will be automatically charged to you (on the last credit card used in your account) each time you complete an online or self-study course.


Instructor Credit

Individuals acting as instructors for continuing education courses receive the same amount of CE credit as his or her students receive for taking the class. Can only receive credit for teaching once per triennium.


Producers who have met continuing education requirements for the Professional Recertification Program (formerly PACE) and CPD-L have automatically met the continuing education requirement.

Individuals licensed in MA prior to 4/5/83 are exempt from continuing education unless new lines of authority were added after that date.

Acceptable Training Methods

  • Correspondence (Print)
  • Company Seminars
  • Classroom
  • CBT/CD-ROM (Computer-Based Training)


This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.

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