The Massachusetts Casualty license

G.L. c. 175, 162K(a) asks a written examination of a resident individual applying for a producer license unless the applicant is exempt under 162O, and 162L(a) is what the commissioner must find before approving the application: at least 18 years old, no act that is a ground for denial, a prelicensing course of study "when required by the commissioner", the fees under section 14 paid, and the examinations passed for the lines applied for. Massachusetts is the state where the course was handed to the Commissioner rather than written into the law or struck out of it, and the Commissioner has not asked for one: the Division's own per-line table gives a single requirement for each line of authority, and for this one it is the examination. Two warnings from the Division sit on this line. Property and Casualty are separate examinations rather than one, and the single Property and Casualty Adviser examination does not satisfy either of them.

Read at malegislature.gov on 2026-08-16

G.L. c. 175, 162O(a). Somebody previously licensed for the same lines of authority in another state completes neither prelicensing education nor an examination. The exemption holds only while that other license is current, or else the application has to arrive within 90 days of its cancellation, with a certification from the other state that the applicant was in good standing when it was cancelled or a record of good standing for the line in the NAIC producer database.

Read at malegislature.gov on 2026-08-16

G.L. c. 175, 162O(b). Massachusetts writes this one as a duty rather than an option: a producer licensed in another state who moves here "shall make application within 90 days of establishing legal residence" to become a resident licensee under 162L. Neither prelicensing education nor an examination is required for a line of authority previously held in the prior state, unless the commissioner determines otherwise by regulation. The Division adds a sequencing trap of its own: the old resident license has to be cancelled rather than converted to a nonresident one, and it has to stay verifiable in the producer database.

Read at malegislature.gov on 2026-08-16