Massachusetts Insurance Continuing Education

Insurance CE Course Catalog

Need more than one course? Save big with a membership.

Become a member and get one year of unlimited access to our nationwide catalog for just $45!

Click here for details.

Attention Insurance licensees! Please note the new CE compliance date is your license renewal date and no longer the old CE compliance date. All CE requirements must be fulfilled prior to your license renewal date.

Required CE Hours


60 CE hours* of CE instruction is required during the first 36-month period following the date of initial licensure. After the initial term, producers are required to complete 45 CE hours every subsequent 36-month compliance period. *New* insurance producers must now complete a program of instruction or attend a seminar on ethics equivalent to 3 ethics hours of instruction.

*See Special Training/Education Requirements below.

Public Insurance Adjusters

15 CE hours are required every 3-year CE compliance period.

Special Training/Education Requirements

Long-Term Care 

  • *Effective January 23, 2013: Initial 8-hour training requirement: All producers currently licensed to sell, solicit, and negotiate long-term care products in Massachusetts must complete a one-time state approved training course of at least 8-hours by July 1, 2014. Producers licensed on or after January 23, 2013 must complete this training prior to selling, soliciting, or negotiating such products.
  • Ongoing 4-hour training requirement: 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. 

Flood Insurance

All Massachusetts property and casualty producers who sell federal flood insurance policies must complete a one-time, 3-hour course approved for National Flood Insurance Program (NFIP) training.


Effective July 1, 2016 producers and brokers must complete an annuity course approved by the Division of Insurance of at least four hours in length and meet carrier producer training requirements. Producers licensed prior to the effective date have until December 31, 2016 to complete training. Completing a course in another state with similar requirements will satisfy the Massachusetts requirement.

Non-Resident CE Requirements

If the nonresident licensee's home state does not have a CE requirement, the nonresident licensee must then comply with Massachusetts CE requirements.

License Term

The license renewal date is every 3 years based upon the licensee’s date of birth (see license renewal process below).  The CE compliance period is every 3 years based upon the license issuance date.  Required CE must be completed before the end of your individual CE compliance period.

Note: The compliance date is rarely the license renewal date (and may be as much as eleven months after the license renewal date) since it is based on the original date of licensure.

Course Repetition Rules

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

CE Carryover Allowance


A maximum of 45 excess CE hours may be carried forward to the next 3-year license term.

Public Insurance Adjusters

A maximum of 15 excess CE hours may be carried forward to the next 3-year license term.

CE Exemptions

Licensees are exempt from CE requirements if one of following is true:

  • 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.
Final Exam Requirements

Exam proctor requirements

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.

Exam rules

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. The final exam must be passed with a score of 70 percent or higher to receive credit. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.

Roster Fees

A roster fee of $0.50 per credit hour ordered is required to process course completion hours in Massachusetts and will be added to the order total upon checkout.

Last Updated
Monday, November 30th, -0001

Net Study 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 Net Study nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.

State Contact Information
Massachusetts Division of Insurance
Phone: (617) 521-7794
Fax: (617) 521-7576
Web site:
Mailing Address:
Commonwealth of Massachusetts Division of Insurance
1000 Washington Street, 8th Floor
Boston, MA 02118-6200
Phone: (800) 742-8731
Fax: (800) 735-7977
Web site: