- The exam has 80 scored questions plus 10 unscored pretest items, and you need a scaled score of 70 to pass.
- Types of Policies is the single largest domain at 20% of the exam.
- Massachusetts law domains (Domains 6 and 7) combine for 37.5% of all questions.
- The exam costs $37 and is delivered in person only at Pearson test centers.
Exam Snapshot: The Numbers You Must Know
Before you memorize a single policy definition, lock in the mechanics of the Massachusetts Accident & Health Insurance Producer Exam. These are the numbers that determine how you pace yourself on test day and how you should structure every study session between now and your appointment.
The Massachusetts Division of Insurance owns this exam, but Pearson Professional Assessments administers it. That distinction matters for logistics: your license authority comes from the state, but your registration, scheduling, and test-day experience run through Pearson. The exam consists of 80 scored multiple-choice questions and 10 additional unscored pretest questions that are mixed in without being labeled. You will not know which 10 are unscored, so treat all 90 questions with equal seriousness.
A scaled score of 70 is the passing threshold. Scaled scoring means the raw number of questions you answer correctly is converted to a standardized scale, so you can't reverse-engineer "how many I need right" with simple arithmetic. For a full breakdown of how that scale works, see our dedicated MA A&H Passing Score guide.
Domain Breakdown: All 7 Content Areas at a Glance
The content outline effective July 22, 2026 organizes the exam into seven domains. Weighting is not evenly distributed, and that imbalance should directly shape your study time allocation.
| Domain | Weight | Study Priority |
|---|---|---|
| 1. Types of Policies | 20% | Highest |
| 2. Policy Provisions, Clauses, and Riders | 18.75% | Very High |
| 6. MA Laws and Rules (All Lines) | 18.75% | Very High |
| 7. MA Laws and Regulations (Accident/Health Only) | 18.75% | Very High |
| 5. Field Underwriting Procedures | 10% | Moderate |
| 3. Social Insurance | 7.5% | Moderate |
| 4. Other Insurance Concepts | 6.25% | Lower |
Notice that four domains - Types of Policies, Policy Provisions/Clauses/Riders, and the two Massachusetts law domains - account for roughly three-quarters of the entire exam. If your study time isn't weighted to match, you're studying inefficiently. For the full explanation of every domain's subtopics, read our MA A&H Exam Domains Guide.
Domain 2: Policy Provisions, Clauses, and Riders (18.75%)
This domain tests your grasp of the contractual mechanics that sit inside every accident and health policy - the fine print that determines what's actually covered.
- Renewability provisions and their impact on premium and coverage guarantees
- Waiver of premium, guaranteed insurability, and other common riders
- Elimination periods, benefit periods, and probationary periods
- Grace periods and reinstatement provisions
Domain 1 Deep Dive: Types of Policies
Because Types of Policies carries the single largest weight on the exam at 20%, it deserves the most granular review of any domain. Candidates consistently underestimate how many distinct policy categories fall under this umbrella.
Domain 1: Types of Policies (20%)
You need to distinguish between policy categories quickly and correctly, often based on a short scenario rather than a direct definition question.
- Individual vs. group accident and health contracts
- Disability income policies, including short-term and long-term structures
- Long-term care policies and their unique benefit triggers
- Medicare supplement and other supplemental health products
- Dental, vision, and limited-benefit or specified-disease policies
Key Takeaway
Build a comparison chart of every policy type in Domain 1 side by side - coverage trigger, typical duration, and renewability - before moving to any other domain. This single artifact pays off across nearly a fifth of the exam.
Curious how this domain compares in difficulty to the Massachusetts law sections? Our How Hard Is the MA A&H Exam guide breaks down where most candidates lose points.
The 37.5%: Why Massachusetts Law Wins the Exam
Domain 6 (Massachusetts Laws and Rules Pertinent to All Lines of Insurance) and Domain 7 (Massachusetts Laws and Regulations Pertinent to Accident, Health or Sickness Insurance Only) each carry 18.75% of the exam. Combined, that's 37.5% - more than a third of every scored question you'll face.
This is the section that separates candidates who studied a generic national outline from those who studied the actual Massachusetts content outline. Out-of-state materials, or materials built for a differently-scoped credential that happens to share the "MA A&H" acronym, will not cover Massachusetts-specific statutory language, DOI licensing procedures, or state-specific unfair trade practice definitions correctly.
Domain 6: Massachusetts Laws and Rules (All Lines) - 18.75%
Covers licensing requirements, producer conduct standards, and general regulatory framework that applies across every line of insurance sold in the Commonwealth.
- Producer licensing, appointment, and renewal rules
- Unfair trade practices and unfair claims settlement practices
- Penalties for violations and DOI enforcement authority
Domain 7: MA Laws Specific to Accident, Health, or Sickness Insurance - 18.75%
Narrows the legal focus specifically to accident and health products, including state-mandated provisions insurers must include in these contracts.
- Massachusetts-mandated policy provisions for A&H contracts
- Continuation and conversion rights specific to state law
- State-specific consumer protection rules for health-related claims
Registration, Fees, and Test-Day Mechanics
The exam fee is $37, paid through the Pearson registration process tied to your Massachusetts DOI candidate profile. Because Pearson administers on behalf of the state, your candidate ID, approved identification, and appointment confirmation all need to match exactly - mismatches are a common and entirely avoidable reason candidates get turned away at check-in.
Remember that this is strictly an in-person exam at a Pearson test center; there is no remote-proctoring alternative for Massachusetts DOI licensing exams. Plan your travel time and arrive with acceptable ID well before your scheduled slot.
For prerequisite details - including what you need before you're even eligible to register - see MA A&H Requirements. If you want a full cost breakdown beyond just the exam fee itself, the MA A&H Certification Cost article covers it. And if you're mapping out when to schedule relative to other commitments, check MA A&H Exam Dates.
Final-Week Review Plan by Domain
Generic study techniques like spaced repetition only help if they're applied against the right material at the right time. Here's how to sequence your last stretch of prep around the actual domain weights rather than a one-size-fits-all calendar.
Types of Policies + Provisions/Riders
- Build the policy-type comparison chart (Domain 1)
- Drill riders, elimination periods, and renewability terms (Domain 2)
Massachusetts Law, Both Domains
- Memorize licensing and unfair practices rules (Domain 6)
- Isolate state-mandated A&H provisions (Domain 7)
Underwriting, Social Insurance, Other Concepts
- Review field underwriting procedures (Domain 5)
- Cover Social Insurance and Other Insurance Concepts (Domains 3 & 4)
Full-Length Practice and Weak-Spot Review
- Take timed practice sets weighted like the real exam
- Re-review only the specific rules you keep missing
For a more complete walkthrough of pacing and resource selection across your entire prep window, our MA A&H Study Guide goes deeper than this cheat sheet's compressed timeline.
Quick Reference Table
| Fact | Detail |
|---|---|
| Governing body | Massachusetts Division of Insurance |
| Test administrator | Pearson Professional Assessments |
| Exam fee | $37 |
| Scored questions | 80 |
| Unscored pretest questions | 10 |
| Passing score | Scaled score of 70 |
| Delivery format | In person at Pearson test centers |
| Content outline effective date | July 22, 2026 |
| Largest single domain | Types of Policies (20%) |
| Combined Massachusetts law weight | 37.5% (Domains 6 & 7) |
Keep this table open on a second screen during your final review pass. If a number here surprises you, go back to the relevant domain section above before test day.
Who This Credential Is For
Passing this exam is the licensing step that lets you sell accident and health insurance products as a producer in Massachusetts. Agencies and carriers hiring for A&H-focused roles - supplemental health, disability income, long-term care, and Medicare supplement sales - expect this license before you can quote or bind those products in the state. If you're weighing whether pursuing this license fits your career plans, our Is the MA A&H Certification Worth It analysis and MA A&H Salary Guide both dig into that question further. You can also start building exam familiarity right now with realistic practice questions on our main practice test platform.
Frequently Asked Questions
There are 90 total multiple-choice questions: 80 are scored and 10 are unscored pretest questions mixed in without identification. Answer every question as if it counts.
You need a scaled score of 70. This is not a raw percentage of correct answers but a converted score, so focus on mastering content rather than calculating a specific number of allowable misses.
Types of Policies, at 20%, is the single largest domain and a strong starting point. Immediately after, prioritize the two Massachusetts law domains, which combine for 37.5% of the exam.
No. All Massachusetts Division of Insurance licensing exams, including this one, are delivered in person at Pearson Professional Assessments test centers.
The Producer - Accident and Health, or Sickness Insurance Exam fee is $37, paid during registration through Pearson.