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Free Massachusetts Life Insurance Practice Exam Online

Official exam: Life Insurance Producer License (MA)

Take a free Massachusetts Life Insurance practice exam online: a full 35-question paper with every answer explained, no sign-up, scored by topic. The full 35-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Life Insurance Producer License (MA): a 35-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 35 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily M.G.L. c. (94%) and Mass.gov Division of Insurance (6%) of this exam's citations.

Take a full practice test free. 35 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
35
questions per paper
35
questions in the bank
What this exam covers
5 real sample questions
Massachusetts requires that resident insurance producers include ethics training in their continuing education. How many ethics credit hours must be included in each continuing education cycle?
A. One hour of ethics training
B. Two hours of ethics training
C. Five hours of ethics training
D. Three hours of ethics training
Show answer and reasoning

Correct answer: D. Three hours of ethics training

Massachusetts requires three hours of ethics training in each CE cycle.

  • A: One ethics hour is insufficient under Massachusetts law.
  • B: Two ethics hours does not meet the Massachusetts requirement.
  • C: Five ethics hours exceeds the minimum requirement.
Source: M.G.L. c. 175, § 162M
Under Massachusetts General Law Chapter 175, Section 132, how long must a life insurance policy remain in force during the lifetime of the insured before it becomes incontestable as to statements contained in the application?
A. After two years
B. After six months
C. After one year
D. After five years
Show answer and reasoning

Correct answer: A. After two years

Under M.G.L. c. 175, § 132, a policy becomes incontestable after two years in force.

  • B: A life insurance policy does not become incontestable after six months.
  • C: A life insurance policy does not become incontestable after only one year.
  • D: Five years exceeds the incontestability period required by Massachusetts law.
Source: M.G.L. c. 175, § 132
According to Massachusetts General Law Chapter 175, Section 123, when an insured requests to change the beneficiary designation on a life insurance policy, what must occur?
A. The change may be submitted verbally and recorded by the insurer
B. The change is effective immediately upon submission to the insurer
C. The insurer may require the consent of the current beneficiary before accepting the change
D. The signature of the person requesting the change must be witnessed by a disinterested person
Show answer and reasoning

Correct answer: D. The signature of the person requesting the change must be witnessed by a disinterested person

Massachusetts law requires the signature to be witnessed by a disinterested person.

  • A: Verbal requests alone are not sufficient under Massachusetts law.
  • B: The change is not effective immediately; the insurer must receive and accept it first.
  • C: Under Massachusetts law, beneficiary changes do not require the current beneficiary's consent.
Source: M.G.L. c. 175, § 123
To obtain a nonresident insurance producer license in Massachusetts, an applicant must meet several requirements. Which of the following is NOT one of them?
A. The person must have completed prelicensing coursework approved by the Massachusetts commissioner
B. The person must be currently licensed as a resident in good standing in their home state
C. The person must submit a properly completed uniform application and pay required fees
D. The person's home state must award nonresident licenses to Massachusetts residents on the same basis
Show answer and reasoning

Correct answer: A. The person must have completed prelicensing coursework approved by the Massachusetts commissioner

Prelicensing coursework is not required under current Massachusetts law for nonresident licensing.

  • B: This is a real requirement for nonresident licensing under M.G.L. § 162N.
  • C: This is a real requirement; proper application and fee payment are mandatory.
  • D: Reciprocity is a real requirement; the home state must offer the same licensing terms to MA residents.
Source: M.G.L. c. 175, § 162N
According to Massachusetts General Law Chapter 175, Section 162R, an insurance producer using reference materials improperly during a licensing examination may face which of the following consequences?
A. Requirement to retake the exam only
B. Probation, suspension, or revocation of license and/or civil penalty
C. License denial only
D. Automatic six-month suspension with no appeal rights
Show answer and reasoning

Correct answer: B. Probation, suspension, or revocation of license and/or civil penalty

Exam misconduct is grounds for probation, suspension, revocation, or civil penalties.

  • A: Retaking the exam is not the only consequence of exam misconduct.
  • C: Exam misconduct can result in more than just denial.
  • D: Automatic suspension without appeal rights is not permitted under Massachusetts law.
Source: M.G.L. c. 175, § 162R
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (MA)May 2025$79,300/yr

Frequently asked questions

Where can I take a free Massachusetts Life Insurance practice exam online?
Right here. CertQuestUSA's free Massachusetts Life Insurance practice exam online is a full 35-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 35-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Life Insurance Producer License (MA) practice test?
35 questions total, split into 3 full papers of 35 each with no repeats across papers.
What topics does the Life Insurance Producer License (MA) test cover?
16 domains, with the heaviest weight on Policy Provisions (14%), Licensing Requirements (11%), and Continuing Education (9%).
Where do CertQuestUSA's Life Insurance Producer License (MA) questions come from?
Primarily M.G.L. c. (94%) and Mass.gov Division of Insurance (6%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life Insurance Producer License (MA) practice test?
Yes -- one full 35-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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