Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real Massachusetts exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Massachusetts licenses Property producers and Casualty producers as separate exams of 100 scored questions each (2 hours, 70% to pass), moving from Prometric to Pearson VUE on 22 July 2026. This bank covers the national property & casualty material plus Massachusetts law - compulsory auto (the 25/50/30 minimum limits, PIP no-fault and the Massachusetts auto policy under c.90 and c.175), the standard fire policy, the Insurers Insolvency Fund, surplus lines and the FAIR plan, and workers' compensation under c.152.
You need 70%. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Massachusetts General Laws (c.175, c.90 and c.152) for the state-law questions, with the statute section cited in each explanation.
The full Massachusetts bank contains 968 questions (general insurance plus Massachusetts law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
Which of the following risks would be considered an ideally insurable risk?
Why: A sudden, accidental fire is fortuitous, definite, measurable, and not catastrophic to the insurer, meeting the criteria for an insurable risk.
A risk purchasing group (RPG) differs from a risk retention group in that the RPG:
Why: A risk purchasing group does not assume risk itself; its members band together to buy liability coverage as a group from a traditional insurer.
A 'valued policy law' in some states requires that, for a total loss to real property by a covered peril, the insurer pay:
Why: Where valued policy laws apply, the insurer must pay the full policy face amount on a total loss of real property by a covered peril, regardless of actual value.
The Terrorism Risk Insurance Act (TRIA) functions as:
Why: TRIA created a federal program in which the government shares insured losses from certified acts of terrorism, providing a backstop above an insurer's deductible.
Under c.152 §34, temporary total incapacity benefits are payable for a maximum of...?
Why: c.152 §34 caps temporary total incapacity benefits at 156 weeks — therefore 156 weeks.
Under c.90 §34A, which person is NOT eligible for PIP benefits under a Massachusetts auto policy?
Why: PIP excludes any person entitled to payments or benefits under c.152 (workers' compensation); pedestrians, guests, and household members are covered (c.90 §34A) — therefore the on-the-job worker.
In most liability policies, defense costs are:
Why: Defense costs are typically paid in addition to (outside) the policy limits in standard liability forms, though some forms erode limits.
A P&C producer earns more CE hours than required in one 36-month period. Under M.G.L. c.175 §177E, the excess hours...?
Why: M.G.L. c.175 §177E provides that excess classroom hours accumulated during any one 36-month period may be carried forward to the next 36-month period — therefore the second option is correct.
The policy provision that states the insurer's promise to pay covered losses is the:
Why: The insuring agreement is the insurer's core promise describing what coverage is provided in exchange for premium.
Under M.G.L. c.175 §187C, the return premium tendered on a cancellation must be calculated:
Why: M.G.L. c.175 §187C requires the full return premium to be paid or tendered in accordance with the policy terms without any deductions — therefore no deductions may be taken.
Under the ISO Commercial General Liability Coverage Form, which coverage part responds to bodily injury and property damage liability arising out of the insured's premises and operations?
Why: Coverage A insures bodily injury and property damage liability. Coverage B is personal and advertising injury; Coverage C is medical payments.
Under c.90 §34B, an insurance company that executes a certificate of insurance for an already-registered owner must notify the registrar within...?
Why: c.90 §34B requires the company to notify the registrar of a certificate executed for an existing registered owner within 15 calendar days — therefore 15 days.
The section of a policy that contains the named insured, address, policy period, limits, and premium is the:
Why: The declarations page personalizes the policy with the insured's identifying information, coverage limits, and premium.
Under M.G.L. c.175 §162Q, a temporary P&C producer license may be issued, without an examination, for a period not to exceed...?
Why: M.G.L. c.175 §162Q permits a temporary license, without an examination, for a period not to exceed 180 days — therefore the second option is correct.
Coverage B of the CGL provides protection against which of the following?
Why: Coverage B — Personal and Advertising Injury — covers offenses like libel, slander, false arrest, and wrongful eviction. It is separate from bodily injury and property damage.
A worker is permanently and totally unable to return to any gainful employment after a catastrophic injury. Which c.152 benefit provides ongoing weekly payments at two-thirds of his average weekly wage?
Why: c.152 §34A provides permanent and total incapacity benefits at two-thirds of the average weekly wage with no fixed week cap — therefore §34A.
In the Homeowners policy, the term 'insured location' generally includes all of the following EXCEPT:
Why: Insured location includes the residence premises, newly acquired residences, vacant land, and certain other personal-use premises, but not a separately rented commercial property.
A homeowner applies for the M.G.L. c.175 §4D heating-oil coverage. As a precondition to issuing the policy, the insurer or JUA may:
Why: M.G.L. c.175 §4D lets the insurer or JUA require proof that the c.148 §38J oil-line and tank safety requirements were met before issuing the coverage — therefore that proof may be required.
The National Flood Insurance Program (NFIP) is administered by which federal agency?
Why: The NFIP is administered by FEMA, an agency within the Department of Homeland Security.
Under c.90 §34A, how do PIP medical benefits coordinate with an injured insured's own health insurance?
Why: c.90 §34A limits PIP to $2,000 of medical expense where those expenses are or will be covered by the insured's health insurance, which then pays the balance — therefore health insurance covers expenses above $2,000.
Under the M.G.L. c.175 §99 standard fire policy, which loss is expressly NOT covered?
Why: The M.G.L. c.175 §99 standard fire policy expressly states the company shall not be liable for loss by theft — therefore theft is excluded.
Under M.G.L. c.175D §10, the Fund generally has no cause of action against the insured of the insolvent insurer for sums paid out, EXCEPT against:
Why: M.G.L. c.175D §10 lets the Fund recover from an affiliate of the insolvent member insurer amounts it paid on that affiliate's behalf — therefore the affiliate is the exception.
Under M.G.L. c.175 §32, before issuing a certificate, the commissioner must be satisfied a domestic company has employed, among others,...?
Why: M.G.L. c.175 §32 requires the company to have employed a competent accountant, a competent claim manager and a competent and experienced underwriter before the certificate issues — therefore the fourth option is correct.
Pure risk differs from speculative risk in that pure risk involves:
Why: Pure risk presents only the possibility of loss or no loss, with no opportunity for gain, making it the only insurable type of risk.
Under the PAP, the duty to allow the insurer to inspect and appraise the damaged vehicle before its repair or disposal falls under:
Why: Part E requires the insured to permit the insurer to inspect and appraise the damaged property before repairs or disposal, as part of the post-loss duties.
Under the PAP, an insured's child away at college without a vehicle of their own remains a family member for coverage because:
Why: A dependent who temporarily lives away (such as at college) is generally still considered a resident family member of the household for PAP purposes.
Under c.175 §113A, a motor vehicle liability policy form must be on file with the commissioner before issuance for at least...?
Why: c.175 §113A requires the policy form be on file with the commissioner at least thirty days before issuance unless approved sooner in writing — therefore 30 days.
In a CPP, which provision governs cancellation, transfer of rights, and examination of books for ALL coverage parts?
Why: The Common Policy Conditions apply to every coverage part in the package and address cancellation, changes, inspections, premiums, and transfer of rights.
A risk retention group is an insurer formed to provide liability coverage for:
Why: A risk retention group is a liability insurer owned by members with similar or related liability exposures who share that risk.
Under M.G.L. c.175 §168, a surplus lines policy must carry a disclosure telling the policyholder that, on insolvency, a loss:
Why: M.G.L. c.175 §168 requires disclosure that the insurer is not admitted, is not supervised by the commissioner, and that on insolvency a loss will not be paid by the Insolvency Fund — therefore not paid by the Fund.