Maine insurancelicense requirements
Maine insurance license at a glance
- Prelicensing course
- None required
- Exam provider
- Pearson VUE
- Passing score
- 70 (scaled score)
- Exam fee
- $55 single, $80 combined
- License fee
- $25
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Maine
Below, you'll find the steps to a Maine insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Maine insurance producers
Contact the Maine insurance department
How much do insurance agents make in Maine?
Maine average insurance agent salary (all lines): $71,300
That is the mean annual wage for insurance sales agents in Maine in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $86,139
- Health insurance agent: $53,397
- Property and casualty insurance agent: $46,249
Please note that salaries will vary based on experience level and local demand.
Does Maine require prelicensing education?
No, Maine does not require any insurance pre-licensing education. We highly recommend taking a course on your own to prepare for the state's licensing exam.
How do I get my insurance license in Maine?
Becoming an insurance producer in Maine requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1 (optional): You may choose to complete a prelicensing course to enhance your exam preparation.
- Step 2: Book your exam with PearsonVUE at https://www.pearsonvue.com/us/en/me/insurance.html or call 800-274-4959. Payment of the exam fee is required at the time of booking, and fees are not accepted at the test center. To avoid forfeiting your fee, reschedule at least 48 hours in advance; cancelations must be made at least three calendar days before the appointment.
- Step 3: On the day of your exam, bring one current government-issued photo ID. Failure to present these will prevent you from taking the exam. After completing it, you’ll receive a score report indicating "pass" or "fail" and instructions on how to apply for your license if you pass.
- Step 4: Apply for your license via NIPR or download and submit the paper application from the Maine Bureau of Insurance Producer Licensure page to the Bureau of Insurance by email, fax, or regular mail.
If you need assistance with any of these steps or have questions about specific requirements, contact the Maine insurance department for the most current information.
Maine insurance exam information
Maine Life Insurance Examination
| Detail | Value |
|---|---|
| Questions | 85 Total Questions (75 scored, 10 pretest) |
| Time limit | 1 hour 45 minutes |
| Passing score | 70 (scaled score) |
| Pass rate | 47.7% (173 of 363 first-time test takers, 2025) |
Maine Accident and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 98 Total Questions (88 scored, 10 pretest) |
| Time limit | 2 hours |
| Passing score | 70 (scaled score) |
| Pass rate | 61.9% (70 of 113 first-time test takers, 2025) |
Maine Life, Accident and Health Insurance Examination
| Detail | Value |
|---|---|
| Questions | 151 Total Questions (136 scored, 15 pretest) |
| Time limit | 3.5 hours |
| Passing score | 70 (scaled score) |
| Pass rate | 59.0% (196 of 332 first-time test takers, 2025) |
Maine Property Insurance
| Detail | Value |
|---|---|
| Questions | 85 Total Questions (80 scored, 5 pretest) |
| Time limit | 2 Hours |
| Passing score | 70 (scaled score) |
Maine Casualty Insurance Examination
| Detail | Value |
|---|---|
| Questions | 93 Total Questions (88 scored, 5 pretest) |
| Time limit | 2 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 16.7% (1 of 6 first-time test takers, 2025) |
Maine Personal Lines Insurance Examination
| Detail | Value |
|---|---|
| Questions | 105 Total Questions (100 scored, 5 pretest) |
| Time limit | 2 Hours |
| Passing score | 70 (scaled score) |
| Pass rate | 82.4% (14 of 17 first-time test takers, 2025) |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Maine insurance licensing fees
- Initial license fees: Resident Producer $25 (all LOAs except Surplus Lines), Resident Surplus Lines Producer $165; Nonresident Producer $25 (all LOAs except Surplus Lines), Nonresident Surplus Lines Producer $165
- Limited lines Producer: $25 (resident or nonresident)
Where can I apply for a resident insurance license in Maine?
Apply through NIPR
How can I apply for a non-resident insurance license in Maine?
- 1. Must hold an active resident license in their home state.
- 2. Variable requires FINRA CRD number
- 3. Reciprocity generally applies.
- 4. Must answer background questions.
- 5. Apply via NIPR and pay $55 plus NIPR processing fees.
Maine carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits Just-in-time appointments: Yes
- Initial appointment deadline: Within 15 days of contract execution or first business submission
- Can be processed via NIPR: Yes
- Fees for appointing: Individual $30, Firm $0 for residents; Nonresident individual $45, Firm $0
- Appoint agencies: Yes
- Agency appointment does not cover affiliated producers automatically
- Appointment effective date can be specified: Yes - date must be supplied, not be in future, and < 20 days old
- State requires appointment renewal: Yes - via invoice mailed to licensing contact; renewal every 2 years based on company anniversary month; fee $30
Maine insurance license termination details
- Terminations processed via NIPR: Yes
- Termination date can be specified: Yes - must be ≤ 20 days old, not precede original appointment; not backdated
- Termination fee: None
- If license is cancelled, suspended, or CE not met within 60 days past renewal due date - appointments are cancelled
Maine insurance license renewals
Licenses are perpetual; CE is due every 2 years by last day of birth month (no separate renewal needed)
Maine insurance license continuing education (CE) requirements
- Total CE hours: 24 hours every 2 years (biennial)
- CE due before expiration: Yes
- Ethics required: 3 hours
- Flood (NFIP): 3 hours
- LTC: 8-hour initial certification + 4 hours per cycle
- Annuity: One-time 4-hour course
- Adjusters: Not required to take CE
Maine insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Maine requires no prelicensing course, so you can book your exam as soon as you are ready.
No. Maine insurance exams are taken in person at Pearson VUE test centers.
Expect to pay $55 single, $80 combined for the exam and $25 for the license. Any exam prep is extra.
No. Maine does not require a prelicensing course, though a course helps you prepare for the exam.
The passing score is 70 (scaled score). In 2025, 47.7% of first-time test takers passed the Maine life exam, according to the NAIC.
Apply through NIPR after you pass your exam.
Maine requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing and passing score: pearsonvue.com
- Exam provider and online exams: pearsonvue.com
- Exam fee: pearsonvue.com
- License fee: nipr.com
- Continuing education: maine.gov
- Where to apply: maine.gov
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Maine and exam provider sources as of . Licensing rules and fees change, so confirm them with the Maine insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Maine, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
