How to get a Maine life & health license
Requirements, exam, fees and the order to do things in — from the Maine Bureau of Insurance and the exam handbook.
Step by step
- Study for the exam — Maine doesn't require a pre-licensing course for this license, but most first-time candidates take an exam-prep course.
- Schedule and pass the state exam with Pearson VUE ($55). Read the candidate handbook.
- Get fingerprinted if required — Not required for producers/adjusters.
- Apply for the license through NIPR or the Maine Bureau of Insurance ($25).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 per 2-yr compliance period incl. 3 ethics hours per renewal (license term: Continuous; auto-continued every 2 yrs on compliance date if CE met).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Maine (optional here, but it lifts pass rates). Some links may be affiliate links.
Maine Life & Health requirements
| Life | Accident & Health | |
|---|---|---|
| Pre-licensing education | None required | None required |
| Exam vendor | Pearson VUE | Pearson VUE |
| Exam fee | $55 | $55 |
| Questions / time | 85 · 105 min | 98 · 120 min |
| License application fee | $25 | $25 |
| Fingerprints | Not required for producers/adjusters verify | Not required for producers/adjusters verify |
| Continuing education | 24 per 2-yr compliance period incl. 3 ethics hours · Continuous; auto-continued every 2 yrs on compliance date if CE met | 24 per 2-yr compliance period incl. 3 ethics hours · Continuous; biennial compliance date |
Life: No mandatory pre-licensing per handbook (third-party sources conflict). 85 Q = 75 scored + 10 pretest (general+state). Combined L/A&H exam 12-ME-01: $80, 210 min, ~151 Q. App fee $25 incl. $15 application fee (NIPR).
Accident & Health: Separate A&H exam 12-ME-42; 88 scored + 10 pretest.
Minimum age 18. Sources: Pearson VUE Maine insurance · Maine Insurance Candidate Handbook (Pearson VUE, Feb 2026 outlines) · NIPR Maine resident individual licensing requirements. Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other Maine licenses
Property & Casualty license · Adjuster license · All Maine insurance licenses
Questions
How long does it take to get a life and health insurance license in Maine?
Maine has no required pre-licensing hours, so many candidates sit the exam within 1–3 weeks of studying. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Maine Life & Health license cost?
State fees (exam + application) come to about $160, plus fingerprints and a course if you take one.
Who runs the Maine insurance exam?
Pearson VUE. Book the exam on the vendor's site after reading the candidate handbook.