Maine Insurance License
The Maine insurance license exam, in plain numbers.
Everything below is specific to Maine — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Maine
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 136 | 96 | 70% | 40 |
| Life only | 75 | 53 | 70% | 22 |
Administered by Pearson VUE for the Maine Bureau of Insurance. Time limit: 210 minutes. Roughly 36 of the scored questions (26%) come from Maine law — the block national courses cover most lightly.
Prelicensing
NOT required. Maine is unusual among New England states in not requiring prelicensing education, though coursework is strongly recommended.
Continuing education
24 credits every two years including at least 3 credits in ethics, under 24-A M.R.S. Section 1482. A Life or Accident & Health licensee must also complete an approved 8-hour long-term care course before selling LTC, plus an approved 4-hour LTC refresher every renewal period. NFIP course credits count toward the 24.
License term
2 years
Regulator
The Maine Bureau of Insurance oversees licensing, headed by a Superintendent leading the Maine Bureau of Insurance.
Maine Life and Health Insurance Guaranty Association
If an insurer fails, these are the limits that apply to Maine policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $300,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Maine, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Maine insurance exam questions, answered
How many questions are on the Maine insurance license exam?
The combined life and health exam has 136 scored questions. You need 96 correct to pass at 70%, which means you can miss 40.
What is the passing score for the Maine insurance exam?
70%. That works out to 96 correct answers out of 136 scored questions.
Who administers the Maine insurance license exam?
Pearson VUE, on behalf of the Maine Bureau of Insurance.
Does Maine require prelicensing education?
NOT required. Maine is unusual among New England states in not requiring prelicensing education, though coursework is strongly recommended.
How much continuing education does Maine require?
24 credits every two years including at least 3 credits in ethics, under 24-A M.R.S. Section 1482. A Life or Accident & Health licensee must also complete an approved 8-hour long-term care course before selling LTC, plus an approved 4-hour LTC refresher every renewal period. NFIP course credits count toward the 24.
Is there a Maine life-only or health-only exam?
Yes. Life only is 75 scored questions, 53 to pass.
How much does a Maine study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Maine Bureau of Insurance.