Massachusetts Life & Health Insurance Practice Test 2026
Practice the exam Massachusetts uses, from general life & health knowledge to Massachusetts's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Massachusetts's own insurance law.
Life 80, Health 80 scored questions. The time limit and passing score are set by Massachusetts; check the candidate handbook.
Last verified September 2026 · Insurance Content Outlines
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About the Massachusetts Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Massachusetts Life & Health test
Massachusetts's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Types of Policies15 Qs
- Policy Riders, Provisions, Options, and Exclusions15 Qs
- Completing the Application, Underwriting, and Delivering the Policy12 Qs
- Retirement and Other Insurance Concepts8 Qs
- Massachusetts Laws and Rules Pertinent to All Lines of Insurance15 Qs
- Massachusetts Laws and Regulations Pertinent to Life Insurance15 Qs
- Types of Policies16 Qs
- Policy Provisions, Clauses, and Riders15 Qs
- Social Insurance6 Qs
- Other Insurance Concepts5 Qs
- Field Underwriting Procedures8 Qs
- Massachusetts Laws and Rules Pertinent to All Lines of Insurance15 Qs
- Massachusetts Laws and Regulations Pertinent to Accident, Health or Sickness Insurance Only15 Qs
Source: Content Outlines: Effective July 22, 2026; Pearson VUE #122301 | 06/2026 (Massachusetts Insurance Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Massachusetts exam
Massachusetts official sources
- Accident and health / disability policy provisionsM.G.L. c. 175, ss. 108-108N, 110A-110M, 111 · malegislature.gov
- Unfair Methods of Competition and Unfair and Deceptive Acts and Practices in the Business of InsuranceM.G.L. ch. 176D, complete chapter · Massachusetts General Court
- Insurance contract and general provisions applicable to all insurersM.G.L. c. 175, ss. 2, 2A, 2B, 3, 181-194 · malegislature.gov
- Group and blanket health insuranceM.G.L. c. 175, ss. 110, 110D, 110G, 110I, 110J, 110K, 110L · malegislature.gov
- Group life insuranceM.G.L. c. 175, ss. 133-138A · malegislature.gov
- Life insurance and annuity contracts, including standard policy provisionsM.G.L. c. 175, ss. 118-132A1/2, 139-146A, 149, 204 · malegislature.gov
- Life and Health Insurance Guaranty Association LawM.G.L. c. 175, s. 146B · malegislature.gov
- Medicare supplement and long-term care insurance minimum standardsM.G.L. c. 175 s. 205; c. 176K ss. 1-9; c. 176U ss. 1-9 · malegislature.gov
All Massachusetts insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Massachusetts provisions the questions on this page cite most often.
- M.G.L. c. 176D, § 3 · Stock Operations and Advisory Board Contracts15 questions
- M.G.L. ch. 175 § 108, subdiv. 3 · Claim Forms5 questions
- M.G.L. ch. 175 § 146B · Avoidance of Duplicate Guaranty Coverage5 questions
- M.G.L. ch. 176D § 3 · Failure to Maintain Complaint Handling Procedures4 questions
- M.G.L. ch. 175 § 132 · Required Policy Provisions; Grace Period3 questions
- M.G.L. ch. 176U § 3 · Outline of coverage delivery3 questions
- M.G.L. c. 176D § 3 · Failure to maintain complaint handling procedures2 questions
- M.G.L. c. 176D, § 4 · Condition Precedent to Lending or Extension of Credit2 questions
Exam figures on this page were checked against official pages: License fee · Exam fee. Confirm anything you rely on with the testing company and the Massachusetts Department of Insurance.