Major Lines licenses include:

• Accident, Health or Sickness
• Life
• Property, Casualty or Personal Lines
• Variable Life and Variable Annuity

Massachusetts General Lines Licensed Agents must take 60 Credit Hours of Approved Continuing Education before their initial renewal date and 45 Credit Hours each subsequent compliance period prior to their Expiration Date. The expiration date occurs on the agent’s birth date – every 3 years. Of the 45 credit hours required, at least 3 must be done in the category of Ethics Training. The remaining requirements are “non-license type specific”: Agents can take courses in any topic as long as they are approved by the Massachusetts Division of Insurance.

Producers licensed in multiple major lines (Property, Casualty, and Life, for example) are only required to meet the same requirements as agents with single lines of licensing. In other words: you only must take 45 credit hours of CE, regardless of the number of lines of licensing you hold. You should check your CE Transcript to be certain of your renewal and CE requirement dates (review dates).

Agents must complete their CE Requirements prior to their license expiration date to be eligible to renew their license. Licenses can be renewed online through NIPR.com or Sircon.com. The renewal fee is $225 per application, and applicants renewing for Property, Casualty, and/or Personal Lines are charged an additional $75 lead paint surcharge fee. For example, agents licensed in Life only are required to pay a renewal fee of $225, and an agent licensed in Property and Casualty and Life or Health would pay a renewal fee of $225 plus the $75 lead paint surcharge fee ($300 total). Massachusetts also charges an additional $1.50 per credit hour “filing fee” that must be collected by the CE provider and remitted when credits are filed.

Licenses are eligible for renewal when 1) all CE Requirements have been completed and 2) when the licensee is within 90 days of their license expiration date.

Massachusetts CE Requirements are “Non-License Type Specific.” Producers can take courses in any subject matter as long as:

1. They are approved by the Massachusetts Division of Insurance
2. At least 3 of credit hours are approved for Ethics credit

Continuing Education Requirements must be completed every 3 years, on or before the anniversary of the agent’s date of licensure.