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Massachusetts Life Insurance Exam Questions on the Law

Massachusetts insurance law only: pick an answer to see the rule and its section of the General Laws.

A Massachusetts insurer signs an agency contract with a licensed producer who will act as its agent. Under section 162S, how long after the contract is executed does the insurer have to file a notice of appointment?

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Unofficial practice questions, not affiliated with the Massachusetts Division of Insurance. Bank checked October 4, 2026.

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Producer licensing and continuing education 24

  • A candidate uses hidden notes to complete the Massachusetts producer license examination. How does section 162R treat that? M.G.L. c. 175, s. 162R
  • A Massachusetts candidate does not appear for a scheduled producer examination. What does section 162K require before another date is set? M.G.L. c. 175, s. 162K
  • A Massachusetts insurer ends a producer's appointment for a cause listed in section 162R. When must it tell the commissioner under section 162T? M.G.L. c. 175, s. 162T
  • A Massachusetts insurer signs an agency contract with a licensed producer who will act as its agent. Under section 162S, how long after the contract is executed does the insurer have to file a notice of appointment? M.G.L. c. 175, s. 162S
  • A Massachusetts producer earns more classroom hours than one thirty-six month period requires. What does section 177E say about the extra hours? M.G.L. c. 175, s. 177E
  • A Massachusetts producer finishes the renewal period short of the required instruction. What civil fine does section 177E allow in addition to, or in place of, a suspension? M.G.L. c. 175, s. 177E
  • A Massachusetts producer is disciplined by another state's insurance regulator. What must the report to the commissioner under section 162V include? M.G.L. c. 175, s. 162V
  • A Massachusetts producer missed a renewal and wants the same license back with no new test. Section 162M allows that for how long from the date the fee was due? M.G.L. c. 175, s. 162M
  • A Massachusetts producer moves her office to a new town. How long does section 162M give her to inform the commissioner of the new address? M.G.L. c. 175, s. 162M
  • A Massachusetts producer pays the renewal fee after its due date. What penalty does section 162M attach to the late fee? M.G.L. c. 175, s. 162M
  • A Massachusetts producer wants to do business under a trade name that is not her legal name. What does section 162P require? M.G.L. c. 175, s. 162P
  • A producer licensed in another state settles in Massachusetts. Within how long of establishing legal residence must the producer apply for a resident license under section 162O? M.G.L. c. 175, s. 162O
  • After a notice of appointment arrives, how long does section 162S give the Massachusetts commissioner to verify that the producer is eligible? M.G.L. c. 175, s. 162S
  • After the first renewal, how many classroom hours does section 177E require of a Massachusetts producer in each thirty-six month period? M.G.L. c. 175, s. 177E
  • An employee of a Massachusetts insurer does only clerical work, earns no commission on policies and is only indirectly tied to sales. Under section 162J, what license does the employee need? M.G.L. c. 175, s. 162J
  • From what event does section 162V count the 30 days a Massachusetts producer has to report a criminal prosecution taken against the producer? M.G.L. c. 175, s. 162V
  • Having reported a termination to the Massachusetts commissioner, how soon must the insurer mail a copy of the notice to the producer under section 162T? M.G.L. c. 175, s. 162T
  • How many of a Massachusetts producer's continuing education hours must be a program or seminar on ethics under section 177E? M.G.L. c. 175, s. 177E
  • The Massachusetts commissioner decides a producer named in a notice of appointment is not eligible. Within how long of that decision must the insurer be told under section 162S? M.G.L. c. 175, s. 162S
  • The surviving spouse of a Massachusetts producer needs to keep the business serviced. What is the longest term section 162Q allows for a temporary producer license? M.G.L. c. 175, s. 162Q
  • Under M.G.L. c. 175, s. 177E, how many hours of instruction must a newly licensed Massachusetts producer complete before the first renewal date of the license? M.G.L. c. 175, s. 177E
  • When the Massachusetts commissioner levies a civil penalty on a producer under section 162R, which law does the section point to for the penalty? M.G.L. c. 175, s. 162R
  • Which Massachusetts licensee does section 177E leave outside its continuing education requirement? M.G.L. c. 175, s. 177E
  • Which of these is a listed cause for discipline of a Massachusetts producer under section 162R? M.G.L. c. 175, s. 162R

Life policy provisions 21

  • A Massachusetts life company accepts a change of beneficiary. What must it then send under section 123? M.G.L. c. 175, s. 123
  • A Massachusetts life company may issue a policy on a child's life on an application signed by a parent or guardian when the child is under what age, by section 123? M.G.L. c. 175, s. 123
  • A Massachusetts life policy has an adjustable policy loan rate. Under section 142, the maximum rate may be set again no more often than once in any what period? M.G.L. c. 175, s. 142
  • A Massachusetts life policy is participating. Section 132 lets its yearly dividends wait no later than the close of which policy year? M.G.L. c. 175, s. 132
  • A Massachusetts life policy lapsed and has not been surrendered for cash. Within how long from the date of default may the holder have it reinstated under section 132? M.G.L. c. 175, s. 132
  • A Massachusetts life policy owner misses a premium in the fourth policy year. How many days of grace must the policy give under M.G.L. c. 175, s. 132? M.G.L. c. 175, s. 132
  • A Massachusetts life policy sets a fixed policy loan interest rate. What is the highest yearly rate section 142 permits? M.G.L. c. 175, s. 142
  • A Massachusetts life policy was issued without a medical examination. Under section 124, what may the company still prove against the application statements about age and health? M.G.L. c. 175, s. 124
  • A Massachusetts owner hands a small life policy back to the agent within the ten days section 187H allows. What follows? M.G.L. c. 175, s. 187H
  • A Massachusetts resident insures his own life in favor of his sister, who has an insurable interest, and dies in debt. Under section 125, who has the better claim to the proceeds? M.G.L. c. 175, s. 125
  • A premium on a Massachusetts life policy goes unpaid. Within how long after its due date may the holder file a written election to surrender for cash under section 144? M.G.L. c. 175, s. 144
  • After two years in force, a Massachusetts life policy may still be contested over a breach of which policy condition named in section 132? M.G.L. c. 175, s. 132
  • An employee insured under a Massachusetts group life policy gains a right to convert. Within how long after the event must the certificate holder be told of the right under section 134A? M.G.L. c. 175, s. 134A
  • Before a Massachusetts insurer makes a one-time payment of what amount or more to a claimant must it check for a child support lien under section 24D? M.G.L. c. 175, s. 24D
  • For how long may a Massachusetts life company put off paying a cash surrender value after the written election under section 132? M.G.L. c. 175, s. 132
  • No notice of a group life conversion right is ever given to a Massachusetts certificate holder. When does the time to convert run out under section 134A? M.G.L. c. 175, s. 134A
  • Section 187H requires a ten-day right-to-cancel notice on a Massachusetts individual life policy whose face amount is below what figure? M.G.L. c. 175, s. 187H
  • Under section 134, a Massachusetts group life policy may let the company pay up to what sum to a person who bore the insured employee's funeral or last-illness expenses? M.G.L. c. 175, s. 134
  • Under section 186, when does a misrepresentation made in negotiating a Massachusetts policy defeat the policy? M.G.L. c. 175, s. 186
  • What is the highest interest charge section 132 lets a Massachusetts life company make on a premium paid during the days of grace? M.G.L. c. 175, s. 132
  • Who may witness the signature on a request to change the beneficiary of a Massachusetts life policy under section 123? M.G.L. c. 175, s. 123

Annuities, exchanges and misleading comparisons 12

  • A life company disputes the Massachusetts commissioner's written opinion that its annuity form does not comply with the law. Which body may review that action under section 132? M.G.L. c. 175, s. 132
  • A Massachusetts buyer was induced to take an annuity contract by an agent's act that section 181 forbids. What may the buyer recover from the company? M.G.L. c. 175, s. 181
  • An agent gives a Massachusetts annuity holder a misleading comparison to get her to surrender the contract. What is the largest fine section 181 sets? M.G.L. c. 175, s. 181
  • As a general rule, how does section 132G value the assets held in a Massachusetts separate account? M.G.L. c. 175, s. 132G
  • How long after the date of issue does a Massachusetts annuity holder have to sue the company for premiums under section 181? M.G.L. c. 175, s. 181
  • Section 123 requires a signed written application before a Massachusetts life policy is issued. Does that rule reach annuity contracts? M.G.L. c. 175, s. 123
  • Section 139 lets a Massachusetts life company exchange, alter or convert an annuity contract it issued. At whose request? M.G.L. c. 175, s. 139
  • To the extent the contracts say so, what shields the assets of a Massachusetts separate account that back variable annuity reserves under section 132G? M.G.L. c. 175, s. 132G
  • Unless the commissioner approves it sooner, how long must the form of a Massachusetts annuity contract be on file before the contract may be issued under section 132? M.G.L. c. 175, s. 132
  • What is the longest jail term section 181 sets for misrepresenting the terms of a Massachusetts annuity contract? M.G.L. c. 175, s. 181
  • What makes a Massachusetts annuity a "contract on a variable basis" under section 132G? M.G.L. c. 175, s. 132G
  • Which kind of comparison does Massachusetts section 181 forbid when it tends to make a holder exchange one annuity contract for another? M.G.L. c. 175, s. 181

Accident and sickness policy provisions 14

  • A child on a Massachusetts family health policy cannot earn a living because of a disability. Within how long of the date coverage would otherwise end must the insurer receive proof under section 108? M.G.L. c. 175, s. 108
  • A Massachusetts company fails to give the age sixty-five cancellation notice of section 110H. How long does the policy stay in effect? M.G.L. c. 175, s. 110H
  • A Massachusetts insurer refuses a claim under a pre-existing condition clause. What must go to the insured with the denial under section 108? M.G.L. c. 175, s. 108
  • A Massachusetts insurer reserves the right to refuse renewal of a sickness policy. How far ahead of the premium due date must its written notice go out under section 108? M.G.L. c. 175, s. 108
  • A Massachusetts sickness policy can be canceled when the insured turns sixty-five. How far ahead must the company warn the insured under section 110H? M.G.L. c. 175, s. 110H
  • A Massachusetts sickness policy lapsed and was put back in force. Section 108 lets it leave out an illness that starts within how long of that date? M.G.L. c. 175, s. 108
  • After how long from the date of issue can only fraudulent misstatements in the application be used to void a Massachusetts accident and sickness policy under section 108? M.G.L. c. 175, s. 108
  • For at least how long must a Massachusetts accident and sickness policy form be on file with the commissioner before delivery, unless approved sooner, under M.G.L. c. 175, s. 108? M.G.L. c. 175, s. 108
  • On which ground may the Massachusetts commissioner disapprove an accident and sickness policy form within thirty days of filing under section 108? M.G.L. c. 175, s. 108
  • Up to what age does section 108 list children among the family members a Massachusetts accident and sickness policy may insure? M.G.L. c. 175, s. 108
  • What is the last moment for a lawsuit on a Massachusetts accident and sickness policy under the legal actions provision of section 108? M.G.L. c. 175, s. 108
  • What is the shortest grace period section 108 allows on a Massachusetts accident and sickness policy with premiums paid monthly? M.G.L. c. 175, s. 108
  • Where does section 108 put the form number on a Massachusetts accident and sickness policy form? M.G.L. c. 175, s. 108
  • Whose approval does the entire contract provision of section 108 require for a change to a Massachusetts accident and sickness policy? M.G.L. c. 175, s. 108

Unfair practices and penalties 13

  • A Massachusetts agent offers a prospect a gift for buying a life policy, and the policy says nothing of it. Which rule of M.G.L. c. 175, s. 182 does the offer break? M.G.L. c. 175, s. 182
  • A Massachusetts insurer pays a beneficiary and sends no statement of the coverage under which it paid. How does chapter 176D, section 3 class that? M.G.L. c. 176D, s. 3
  • An agent hands back part of a premium to a Massachusetts buyer. Under section 183, who else breaks the law? M.G.L. c. 175, s. 183
  • Besides the fine, what may the Massachusetts commissioner order for a claimant who suffered actual economic damage from a violation of chapter 176D? M.G.L. c. 176D, s. 7
  • Between which insurants does section 120 bar a Massachusetts life company from discriminating in premiums or dividends? M.G.L. c. 175, s. 120
  • For what period must a person in the Massachusetts insurance business keep a complete record of complaints under chapter 176D, section 3? M.G.L. c. 176D, s. 3
  • How long must a Massachusetts agent keep a written communication that expresses a grievance under chapter 176D, section 3? M.G.L. c. 176D, s. 3
  • In a suit on a policy, a Massachusetts court finds the claimant was damaged by an unfair practice the commissioner has determined. What punitive damages does chapter 176D, section 7 allow? M.G.L. c. 176D, s. 7
  • The Massachusetts commissioner serves a statement of charges for an unfair practice. What is the earliest the hearing may be held after service under chapter 176D, section 6? M.G.L. c. 176D, s. 6
  • Section 184 lets a Massachusetts life company pay a commission on an employee's own coverage if the employee is not an agent and has been employed at least how long? M.G.L. c. 175, s. 184
  • What is the largest fine M.G.L. c. 176D, s. 7 sets for each unfair or deceptive act in the business of insurance in Massachusetts? M.G.L. c. 176D, s. 7
  • When may the Massachusetts commissioner revoke, and not only suspend, a license over an unfair practice under chapter 176D, section 7? M.G.L. c. 176D, s. 7
  • Which of these is an unfair claim settlement practice listed in Massachusetts chapter 176D, section 3? M.G.L. c. 176D, s. 3

Guaranty association 11

  • A Massachusetts agent tells a prospect to buy an annuity because the guaranty association stands behind it. How does section 146B treat that sales statement? M.G.L. c. 175, s. 146B
  • A Massachusetts life insurer becomes insolvent. Under M.G.L. c. 175, s. 146B, where does the guaranty association cap death benefits for a single insured? M.G.L. c. 175, s. 146B
  • A Massachusetts owner wants to cash in a life policy of a failed insurer. How much of that cash value does section 146B protect? M.G.L. c. 175, s. 146B
  • For basic hospital, basic medical-surgical or major medical expense insurance, what is the Massachusetts guaranty association limit in section 146B? M.G.L. c. 175, s. 146B
  • One business owns many non-group life policies with an insolvent Massachusetts insurer. What is the most the guaranty association must cover for that one owner under section 146B? M.G.L. c. 175, s. 146B
  • Section 146B creates the Massachusetts Life and Health Insurance Guaranty Association. How does the section describe its legal form? M.G.L. c. 175, s. 146B
  • Section 146B fixes the size of the board that runs the Massachusetts guaranty association. Which range of member insurers does it set? M.G.L. c. 175, s. 146B
  • Under whose immediate supervision does section 146B place the Massachusetts guaranty association? M.G.L. c. 175, s. 146B
  • What present value of annuity benefits does section 146B cover for one life when a Massachusetts member insurer becomes insolvent? M.G.L. c. 175, s. 146B
  • Which accounts does the Massachusetts Life and Health Insurance Guaranty Association keep for administration and assessment under section 146B? M.G.L. c. 175, s. 146B
  • Who selects the directors of the Massachusetts guaranty association under section 146B? M.G.L. c. 175, s. 146B

How it works

These unofficial Massachusetts life insurance exam questions ask the law only: 95 free practice questions written from General Laws chapters 175 and 176D, accident and sickness sections included. Policy types, underwriting and textbook theory are left out.

Read the full guide

What the Massachusetts law questions cover

Six groups: producer licensing and continuing education, life policy provisions the statute requires, annuities and misleading comparisons, accident and sickness provisions, unfair practices and penalties, and the guaranty association. Missed questions collect in their own pile.

Studying for life insurance alone

Set the topic filter to Life policy provisions, then to Annuities, exchanges and misleading comparisons. The producer licensing and guaranty association questions apply to both lines. Every answer shows its section of chapter 175 or 176D.

  • Continuing education: 60 hours before the first renewal date, then 45 classroom hours every 36 months (177E).
  • Individual life under $25,000 face amount: 10 days from delivery to cancel for a full refund (187H).
  • Policy loans: a fixed interest rate may not go over 8 percent a year (142).

Questions and answers

How many questions are on the Massachusetts life insurance test?

This page does not say. The sections of the General Laws read for this bank set no length, time limit or pass mark for the exam. Exam mode's 25 questions are only a set size.

How many continuing education hours does a Massachusetts insurance producer need?

Sixty hours of instruction before the initial renewal date of the license, then forty-five classroom hours in each thirty-six month period, under M.G.L. c. 175, s. 177E. An ethics program equal to 3 classroom hours is part of the requirement.

How long is the free look on a Massachusetts life insurance policy?

Section 187H of chapter 175 gives the owner ten days from delivery to cancel an individual life policy with a face amount under $25,000. Any premium paid is refunded and the policy is void from the beginning.

Are these the real Massachusetts life insurance exam questions?

No. This site has never seen the state exam. The questions were written from the Massachusetts General Laws, and the Massachusetts Division of Insurance did not write or review them.

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