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Massachusetts nonresident insurance producer license

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A nonresident license lets a producer whose home state is elsewhere sell in Massachusetts. It is also exam material: the Massachusetts part of the Life and the Accident and Health exams lists nonresident producers, citing chapter 175, sections 162N and 162U. [1] Here is what those sections and the Division of Insurance say.

The four conditions (section 162N)

Unless the applicant is denied under section 162R, a nonresident receives a nonresident producer license if: [2]

  1. they are currently licensed as a resident, and in good standing, in their home state;
  2. they have submitted the proper request for licensure and paid the fees in section 14;
  3. they have submitted the application they filed in their home state, or a completed uniform application instead; and
  4. their home state gives nonresident producer licenses to Massachusetts residents on the same basis.

The commissioner may check the producer's licensing status through the national producer database. [2]

The reciprocity waiver (section 162U)

The commissioner must waive any other requirements for a nonresident applicant with a valid home state license, except the section 162N requirements, if the home state gives Massachusetts residents nonresident licenses on the same basis. [3]

Continuing education

A nonresident producer who meets their home state's continuing education requirements has met the Massachusetts requirements, if the home state treats Massachusetts producers the same way. [3]

Moving

Fees and term

The Division's license terms and fees chart lists the producer license with a 3 year term and a $225 fee, or $300 with property and casualty or personal lines. [6] Apply through NIPR, the system the Division names for applications. [5]

Appointments

Insurers submit appointments through NIPR. All appointments expire each year on June 30 and must be renewed by the appointing company. [5]

Practice questions

1. Which is NOT one of the 162N conditions for a nonresident license?

A. A current resident license in good standing in the home state
B. Paying the required fees
C. Passing the Massachusetts exam
D. The home state licensing Massachusetts residents on the same basis

Answer: C. (M.G.L. c. 175, s. 162N(a)) [2]

2. A nonresident producer moves from one state to another. How long do they have to file the change of address?

Answer: 30 days from the change of legal residence, with certification from the new resident state and no fee. (s. 162N(c)) [2]

3. When must the commissioner waive other requirements for a nonresident?

Answer: When the applicant has a valid home state license and the home state treats Massachusetts residents on the same basis. (s. 162U(a)) [3]

4. A nonresident meets their home state's CE rules. Do they need Massachusetts CE too?

Answer: No, if the home state treats Massachusetts producers the same way. (s. 162U(b)) [3]

5. When do appointments expire in Massachusetts?

Answer: Each year on June 30. [5]

Study tips

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Sources

Laws and exam documents quoted as of October 2026.

  1. Pearson VUE, Massachusetts content outlines 122301 (effective July 22, 2026): https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122301.pdf
  2. M.G.L. c. 175, s. 162N: https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter175/Section162N
  3. M.G.L. c. 175, s. 162U: https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter175/Section162U
  4. M.G.L. c. 175, s. 162O: https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter175/Section162O
  5. Massachusetts Division of Insurance, Individual insurance producer: https://www.mass.gov/info-details/individual-insurance-producer
  6. Massachusetts Division of Insurance, Individual and business entity licensing: https://www.mass.gov/info-details/individual-and-business-entity-licensing

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