Insurance License Renewal
Effective September 17, 2014: The CE compliance period is now based on the license renewal date, which is every 3 years based upon the licensee's date of birth.
The first renewal date will be less than three years following the date of original issuance of a license, as a license renews on birth date on a triennial basis.
State Insurance Product Training Requirements
State required training for insurance producers that sell annuity products.
Frequency: One-time training must be complete prior to selling annuity products. All producers licensed before July 1, 2016 to sell, solicit, and negotiate annuity products in Massachusetts, must complete a one-time annuity training course approved for at least 4 hours by December 31, 2016. All producers licensed on or after July 1, 2016 must complete this training prior to selling, soliciting, or negotiating such products. *Residents who satisfy the training requirements of another state that are similar to the Massachusetts law, will be deemed compliant for the Massachusetts requirement.
Long-Term Care Training
State required training for insurance producers that sell long-term care products.
Frequency: One-time training must be complete prior to selling LTC products.
Frequency: Ongoing training must be completed every 24-months, following the initial training requirement.
State Specific Training
Frequency: For residents and non-residents who have completed an initial or/and ongoing NAIC LTC Training course in another state, they must take a 2-hour MassHealth Training course specific to Massachusetts.
NFIP Flood Training
State required training for insurance producers that sell flood insurance products.
Frequency: One-time training must be complete prior to selling flood products.
Insurance CE Exam Requirements
The final exam must be closed book, and no outside information may be used to complete the exam. For online courses, once the exam is opened, access to the course material is restricted until the exam has been graded. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.
Self-study final exams are required to be monitored by a disinterested third party. A disinterested third party is an individual with no family or financial relationship to the student therefore they shall not serve for examinations of: family members or relatives or dependents, employers or supervisors, employees or subordinates, partners or joint ventures or co-owners, or for anyone in whom the proctor or instructor has an economic or other interest in assuring the successful outcome of the examination.
Self-Study Final Exam: 70%
Repetition and Carryover
A maximum of 45 excess CE hours may be carried forward to the next 3-year license term. Excess ethics hours will be carried forward as general hours.
A course may not be taken for credit more than once within 3-years from the original completion date.
Reporting and Insurance CE Certificates of Completion
Certificates of Completion
WebCE provides online, printable certificates of completion on Massachusetts. Certificates of completion will be available to print online immediately after the final exam is passed. Licensees must keep a copy of each certificate of completion in his or her files for 5 years
Next-Day Reporting: WebCE reports course completions to Prometric every business day.
Insurance CE Course Requirements
Licensees may complete the Massachusetts CE requirements through self-study. The self-study course and exam can be either paper or online.
Students should read the course material prior to taking the final exam.
Producers must complete the equivalent of 3 classroom hours of instruction on the topic of ethics. WebCE courses listed as ethics are approved to meet this requirement. All other hours may be completed by taking courses approved in any line of authority. Public Adjusters may only take courses specifically approved for Public Adjusters.
Non-Resident Insurance CE Requirements
State-Specific Insurance Product Training
Effective July 1, 2016: All producers licensed before July 1, 2016 to sell, solicit, and negotiate annuity products in Massachusetts, must complete a one-time annuity training course approved for at least 4 hours by December 31, 2016. All producers licensed on or after July 1, 2016 must complete this training prior to selling, soliciting, or negotiating such products. *Non-Residents who satisfy the training requirements of another state that are similar to the Massachusetts law, will be deemed compliant for the Massachusetts requirement.
Long-Term Care Partnership Training
- Before selling, soliciting, or negotiating long-term care products in Massachusetts, producers must complete a one-time state approved training course of at least 8-hours.
- After completing the initial 8-hour LTC training requirement, producers must complete a 4 hour follow-up training course every 24-months following the initial training.
- For non-residents who have completed an initial or ongoing NAIC LTC Training course in another state, they must take a 2-hour MassHealth Training course specific to Massachusetts.
Non-Resident Insurance CE Requirements
If the non-resident licensee's home state does not have a CE requirement, the nonresident licensee must then comply with Massachusetts CE requirements (see required continuing education hours above).
Exemptions from Insurance CE Requirements
Insurance CE Exemptions
The following individuals are exempt from CE requirements:
- The licensee holds a viatical brokers/representative license.
- The licensee holds a reinsurance intermediary brokers/managers license.
- The licensee holds a surplus lines brokers license.
- The licensee holds an advisors license.
- The licensee is a nonresident licensee in a state with reciprocity with Massachusetts.
- The licensee is on active military duty.
- The licensee has been continuously licensed since April 4, 1983, and has not become licensed for a new line of authority since the original license issuance.
- The licensee holds an auto club agents license.
- The licensee holds one of the following limited lines authorities: travel, accident & baggage insurance, or credit insurance.
Massachusetts Division of Insurance
WebCE provides information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither WebCE nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.