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Maine Personal Lines Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

Apprentice Insurance Producer — Personal Lines

Temporary apprentice insurance producer license with personal lines authority, requiring sponsorship by a licensed Maine resident producer.

Licensing authority: Maine Bureau of Insurance · Application information

Resident apprentice licensure
No examination is required for this applicant pathway.
Activities
Only risks in Maine and activities authorized for the sponsor, with insurer appointment when acting as an agent. No activities requiring extra training or authority, including ACA, long-term care, annuities or life insurance.
Application
Submit the full producer application and required information; meet the ordinary requirements except passage of the examination, and pay the temporary-license and applicable application fees. The apprentice form lists Personal Lines and a $50 resident fee.
Duration
Nonrenewable; maximum 180 days, then obtain a full producer license before further licensed activities.
Employment
Be employed by a licensed Maine resident producer who certifies supervision and responsibility for all apprentice acts.
Limits
The superintendent may limit authority and the number of apprentices per sponsor and may revoke the license.
Minimum Age
At least 18 years old.
Prior Licensing
Never previously held or been denied a producer license in Maine or a comparable license elsewhere, and never previously been issued or denied an apprentice license.
Residency
Remain a Maine resident throughout the apprenticeship.
Sponsor
The sponsor must have held a Maine producer license in good standing for at least one year and have no license restriction, probation or disciplinary reporting requirements; complete the sponsor application.
Termination
Notify the superintendent within five business days after employment or sponsorship ends; the sponsor also must notify.

Official no-examination sources

Effective from 2026-01-01.

Insurance Producer Business Entity License

Business entity producer license supporting personal-lines activities through individually licensed producers; the entity has no independent authority to act without an individual licensee.

Licensing authority: Maine Bureau of Insurance · Application information

Business entity license continuation
No examination is required for this applicant pathway.
Duration
Continues indefinitely unless suspended, revoked or terminated, subject to payment of required fees.
Fees
Nonresident business entities pay biennial fees by April 1 of odd years; resident business entities pay by December 1 of even years.
Responsible Producer
Maintain the designated responsible licensed producer; if that person loses licensure, designate a replacement within fourteen days or the entity license terminates.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity initial licensing
No examination is required for this applicant pathway.
Application
Use the uniform business entity application and pay required fees.
Authority
The business entity has no authority to act on its own without an individual licensee and an employee’s authority does not transfer to other employees.
Branches
Register branch locations as required by §1413(5)-(6); a separate legal entity requires its own license, not a branch registration.
Officers
Officers, directors, members and partners performing producer activities must be individually licensed; persons not performing them or receiving volume-based compensation need not be licensed.
Residency
Nonresident business entity; §1413(1) states that licensure does not depend on maintaining a business entity license in another state.
Responsible Producer
Designate at least one licensed individual responsible for compliance; personal-lines activities must be performed by persons holding the appropriate individual authority.

Official no-examination sources

Effective from 2026-09-22.

Business entity relicensing after revocation
No examination is required for this applicant pathway.
Application
Submit a new business entity application, pay required fees and designate the responsible licensed producer under §1420-E(2).
Individual Restrictions
Officers, directors or members cannot obtain individual licensure during entity suspension or revocation unless the superintendent finds no personal fault or acquiescence under §1418(3). Individual licensing examinations belong to their own individual routes.
Waiting Period
The entity whose license has been revoked must meet §1418(1)’s one-year waiting period and reestablish the entity qualifications.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensing
No examination is required for this applicant pathway.
Application
Use the uniform business entity application and pay required fees.
Authority
The business entity has no authority to act on its own without an individual licensee and an employee’s authority does not transfer to other employees.
Branches
Register branch locations as required by §1413(5)-(6); a separate legal entity requires its own license, not a branch registration.
Officers
Officers, directors, members and partners performing producer activities must be individually licensed; persons not performing them or receiving volume-based compensation need not be licensed.
Residency
Resident business entity.
Responsible Producer
Designate at least one licensed individual responsible for compliance; personal-lines activities must be performed by persons holding the appropriate individual authority.

Official no-examination sources

Effective from 2026-09-22.

Insurance Producer — Personal Lines

Individual insurance producer authority for personal lines: property and casualty insurance coverage sold to individuals and families for primarily noncommercial purposes.

Licensing authority: Maine Bureau of Insurance · Application information

Reinstatement during CE suspension
No examination is required for this applicant pathway.
Completion
Complete the outstanding CE credits and pay the late penalty while the license is still under suspension; the Bureau then reinstates it.
Distinction
Once the Bureau cancels the license or it is terminated after suspension, the CE cancellation relicensing requirements apply.
Practice
Do not sell, solicit or negotiate insurance while suspended.

Official no-examination sources

Effective from 2026-09-22.

Continuation relief for military service or other extenuating circumstances
No examination is required for this applicant pathway.
Circumstances
A licensed producer unable to comply with continuation procedures because of military service or another extenuating circumstance, such as long-term medical disability, may request relief.
Discretion
The producer may request waiver of continuation procedures, any examination requirement, or a fine or sanction; approval is the superintendent’s decision.
Underlying Route
This continuation route itself imposes no identified licensing examination; an applicant seeking relicensing must use the applicable relicensing route and may request relief under this subsection.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement within twelve months after license lapse
No examination is required for this applicant pathway.
Distinction
This statutory lapse route is separate from disciplinary suspension, revocation or CE cancellation; the CE FAQ describes cancellation after suspension as requiring a new examination.
Time Limit
Reinstate the same individual personal-lines producer license within twelve months after lapse under §1420-F(3).

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual license continuation
No examination is required for this applicant pathway.
Duration
The individual nonresident license is perpetual, with no expiration date or renewal fee under the Producer FAQ.
Education
Home-state continuing education satisfies Maine requirements on a reciprocal basis under §1420-O(2).
Home State
Maintain the qualifying home-state authority; §1417(1-A) allows cancellation if it is no longer active.

Official no-examination sources

Effective from 2026-09-22.

Nonresident individual licensing by reciprocity
No examination is required for this applicant pathway.
Application
Submit the proper request, required fee, and home-state application or completed uniform application.
Criminal Consent
Producer FAQs require applicants subject to 18 U.S.C. §1033 to obtain written insurance-regulatory consent before the license application is considered; nonresidents provide their home-state consent or proof it is not required.
Home State License
Currently licensed as a resident and in good standing in the home state for the requested personal-lines authority.
Reciprocity
Home state must award nonresident licenses to Maine residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Resident relicensing after CE cancellation
Personal Lines
Application
The CE FAQ requires retaking the licensing exam, submitting a new application and paying regular fees.
Exemptions
Section 1420-H(3)(A) does not provide its voluntary-termination exemption for suspended prior licenses. Section 1420-F(3) separately provides a twelve-month exemption for a license that lapses; that statutory exemption prevails if the Bureau classifies the applicant’s loss of licensure as a lapse rather than disciplinary cancellation.
Prior Education
The CE FAQ states outstanding CE and the prior late penalty are not required because a new licensing examination is taken.
Trigger
The Bureau cancelled the license for CE noncompliance, or it was suspended before termination.
Resident license continuation
No examination is required for this applicant pathway.
Continuing Education
Complete 24 approved credit hours every biennium, including at least three in ethics, by the birth-month compliance date; no repeated course credit within the same biennium or carryover credits.
First Biennium
The requirement is waived when initial licensure occurs less than one year before the first compliance date.
Renewal Timing
The Producer FAQ says automatic renewal on the first business day following the CE due date; the CE FAQ says the first calendar day following the due date. Both describe continuation on education compliance.
Standing
The license remains effective unless suspended or revoked, subject to applicable fees and education.

Official no-examination sources

Effective from 2026-09-22.

Resident individual licensure by examination
Personal Lines
Application
Submit a uniform application with truthful, complete statements and the required licensing fee. The superintendent must find no disqualifying act under §1420-K.
Apprentice Transition
An apprentice continuing producer activities after 180 days must obtain a full producer license under §1420-Q(4); the apprenticeship does not itself grant an examination exemption.
Authority
Application is for Personal Lines under §1420-F(1)(F).
Criminal Consent
Producer FAQs require applicants subject to 18 U.S.C. §1033 to obtain written insurance-regulatory consent before the license application is considered; nonresidents provide their home-state consent or proof it is not required.
Education
The former producer prelicensing education provision was repealed; Rule 542 §4(D) applies only to the extent prelicensing is required by statute.
Minimum Age
At least 18 years old under 24-A M.R.S. §1420-E(1)(A).
Score Timing
Apply within two years after passing one part or all of the examination; otherwise §1410(6) requires registration and payment for a subsequent examination.
Resident licensure based on a prior same line license
No examination is required for this applicant pathway.
Application
Meet the resident application, age, eligibility and fee requirements except for the examination waived by §1420-H.
Currency
That license is currently active, or application is received within 90 days of its cancellation.
Good Standing
Prior-state certification or NAIC producer database establishes good standing for the requested authority.
Prior Authority
Previously licensed in another state for the same personal-lines authority.

Official no-examination sources

Effective from 2026-09-22.

Resident relicensing after revocation
Personal Lines
Disqualification
A person revoked twice under §1417 or §1420-K is not eligible for any license under this Title.
Exemption
The voluntary-termination examination exemption does not apply to a revoked or suspended prior license. Other independently applicable statutory exemptions remain applicant-specific conditions.
Qualification
Reestablish qualification under the applicable provisions of Title 24-A and show good cause why the revocation should not bar a new license.
Waiting Period
Wait at least one year from the effective revocation date, or one year from a final court order affirming it if appealed.
Resident licensure after relocation to Maine
No examination is required for this applicant pathway.
Application
Submit the resident application and fee.
Board Rule
Section 1420-H(2) reserves an exception when the superintendent determines otherwise by rule; the Producer FAQ implements this route without the Maine examination.
Prior Authority
Examination exemption applies to the same line of authority previously held; §1420-H(1) requires the prior license to be active or cancelled within 90 days with good standing verified.
Relocation
A producer licensed in another state moves to Maine; apply within 90 days of establishing legal residence.

Official no-examination sources

Effective from 2026-09-22.

Transfer from resident to nonresident status
No examination is required for this applicant pathway.
Implementation
The Producer FAQ requests completion of the resident-to-nonresident transfer form.
Move
A Maine resident producer moves out of Maine.
Notification
File the address change and certification from the new resident state within 30 days; the statute requires no fee or license application.

Official no-examination sources

Effective from 2026-09-22.

Relicensing within two years after voluntary termination
No examination is required for this applicant pathway.
Education
Meet applicable continuing education requirements during the two-year period and remain fully qualified.
Outstanding Credits
The CE FAQ requires completion of outstanding credits, payment of the late penalty and a new application with regular fees when voluntary termination preceded suspension.
Prior License
Held a similar Maine license for personal lines within the past two years; a temporary license does not qualify.
Termination
The prior license was voluntarily terminated and was not revoked or suspended.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer — Personal Lines

Temporary authority granted at the superintendent’s discretion for servicing an insurance business, for no more than 180 days.

Licensing authority: Maine Bureau of Insurance · Application information

Temporary license for an active service producer’s designee
No examination is required for this applicant pathway.
Applicant
Designee of a licensed producer entering active service in the United States Armed Forces.
Authority
Only the personal-lines authority granted in the temporary license is covered.
Duration
No more than 180 days; issuance requires the superintendent’s determination that the license is necessary to service an insurance business.
Limitations
The superintendent may limit authority, require a suitable licensed-producer or insurer sponsor responsible for the licensee, or revoke the license to protect insureds. It cannot continue after disposition of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary license for a business entity member or employee
No examination is required for this applicant pathway.
Applicant
Member or employee of a licensed producer business entity after death or disability of the individual designated in its application or license.
Authority
Only the personal-lines authority granted in the temporary license is covered.
Duration
No more than 180 days; issuance requires the superintendent’s determination that the license is necessary to service an insurance business.
Limitations
The superintendent may limit authority, require a suitable licensed-producer or insurer sponsor responsible for the licensee, or revoke the license to protect insureds. It cannot continue after disposition of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary license in another public interest circumstance
No examination is required for this applicant pathway.
Applicant
Another circumstance in which the superintendent determines that temporary licensing best serves the public interest.
Authority
Only the personal-lines authority granted in the temporary license is covered.
Duration
No more than 180 days; issuance requires the superintendent’s determination that the license is necessary to service an insurance business.
Limitations
The superintendent may limit authority, require a suitable licensed-producer or insurer sponsor responsible for the licensee, or revoke the license to protect insureds. It cannot continue after disposition of the business.

Official no-examination sources

Effective from 2026-09-22.

Temporary license for a surviving spouse or personal representative
No examination is required for this applicant pathway.
Applicant
Surviving spouse or court-appointed personal representative of a producer who dies or becomes mentally or physically disabled; authority serves sale, recovery, return, or training and licensing of replacement personnel.
Authority
Only the personal-lines authority granted in the temporary license is covered.
Duration
No more than 180 days; issuance requires the superintendent’s determination that the license is necessary to service an insurance business.
Limitations
The superintendent may limit authority, require a suitable licensed-producer or insurer sponsor responsible for the licensee, or revoke the license to protect insureds. It cannot continue after disposition of the business.

Official no-examination sources

Effective from 2026-09-22.

Personal Lines

Provider
Pearson VUE
Format
Computer-based written examination
Exam questions
General knowledge: 75 scoreable questions plus 5 pretest questions; Maine-specific: 25 scoreable questions. Published section allocations: general I 10, II 13, III 28, IV 24; Maine-specific I 20, II 5.
Time limit
2 hours
Passing score
Scaled score of 70 on a zero-to-100 scale
Exam fee
$55
Examination outline
  • I. TYPES OF PROPERTY POLICIES
    • A. Homeowners
    • A. Homeowners / 1. HO-2
    • A. Homeowners / 2. HO-3
    • A. Homeowners / 3. HO-4
    • A. Homeowners / 4. HO-5
    • A. Homeowners / 5. HO-6
    • A. Homeowners / 6. HO-8
    • B. Dwelling policies
    • B. Dwelling policies / 1. DP-1
    • B. Dwelling policies / 2. DP-2
    • B. Dwelling policies / 3. DP-3
    • C. Inland marine
    • C. Inland marine / 1. Personal Articles floaters
    • D. National Flood Insurance Program
    • E. Others
    • E. Others / 1. Earthquake
    • E. Others / 2. Mobile Homes
    • E. Others / 3. Watercraft
    • E. Others / 4. Windstorm
  • II. TYPES OF CASUALTY POLICIES
    • A. Automobile: personal auto
    • A. Automobile: personal auto / 1. Liability
    • A. Automobile: personal auto / 1. Liability / a. Bodily Injury
    • A. Automobile: personal auto / 1. Liability / b. Property Damage
    • A. Automobile: personal auto / 1. Liability / c. Split Limits
    • A. Automobile: personal auto / 1. Liability / d. Combined Single Limit
    • A. Automobile: personal auto / 2. Medical Payments
    • A. Automobile: personal auto / 3. Physical Damage (collision; other than collision; specified perils)
    • A. Automobile: personal auto / 4. Uninsured motorists
    • A. Automobile: personal auto / 5. Underinsured motorists
    • A. Automobile: personal auto / 6. Who is an insured
    • A. Automobile: personal auto / 7. Types of Auto
    • A. Automobile: personal auto / 7. Types of Auto / a. Owned
    • A. Automobile: personal auto / 7. Types of Auto / b. Non-owned
    • A. Automobile: personal auto / 7. Types of Auto / c. Hired
    • A. Automobile: personal auto / 7. Types of Auto / d. Temporary Substitute
    • A. Automobile: personal auto / 7. Types of Auto / e. Newly Acquired Autos
    • A. Automobile: personal auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
    • A. Automobile: personal auto / 8. Exclusions
    • B. Umbrella/Excess liability
  • III. PROPERTY AND CASUALTY INSURANCE TERMS AND RELATED CONCEPTS
    • A. Insurance
    • A. Insurance / 1. Law of Large Numbers
    • B. Insurable interest
    • C. Risk
    • C. Risk / 1. Pure vs. Speculative Risk
    • D. Hazard
    • D. Hazard / 1. Moral
    • D. Hazard / 2. Morale
    • D. Hazard / 3. Physical
    • E. Peril
    • F. Loss
    • F. Loss / 1. Direct
    • F. Loss / 2. Indirect
    • G. Loss Valuation
    • G. Loss Valuation / 1. Actual cash value
    • G. Loss Valuation / 2. Replacement cost
    • G. Loss Valuation / 3. Market value
    • G. Loss Valuation / 4. Stated value
    • G. Loss Valuation / 5. Salvage value
    • H. Proximate cause
    • I. Deductible
    • J. Indemnity
    • K. Limits of liability
    • L. Coinsurance/Insurance to value
    • M. Occurrence
    • N. Cancellation
    • O. Nonrenewal
    • P. Vacancy and unoccupancy
    • Q. Liability
    • Q. Liability / 1. Absolute
    • Q. Liability / 2. Strict
    • Q. Liability / 3. Vicarious
    • R. Negligence
    • S. Binder
    • T. Endorsements
    • U. Blanket vs. Specific
    • V. Burglary, Robbery, Theft, and Mysterious Disappearance
    • W. Warranties
    • X. Representations
    • Y. Concealment
    • Z. Deposit Premium/Audit
    • AA. Certificate of Insurance
    • BB. Damages
    • BB. Damages / 1. Compensatory
    • BB. Damages / 1. Compensatory / a. General
    • BB. Damages / 1. Compensatory / b. Special
    • BB. Damages / 2. Punitive
    • CC. Compliance with Provisions of Fair Credit Reporting Act
  • IV. PROPERTY AND CASUALTY POLICY PROVISIONS AND CONTRACT LAW
    • A. Declarations
    • B. Insuring agreement
    • C. Conditions
    • D. Exclusions
    • E. Definition of the insured
    • F. Duties of the insured after a loss
    • G. Obligations of the insurance company
    • H. Mortgagee rights
    • I. Proof of loss
    • J. Notice of claim
    • K. Appraisal
    • L. Other Insurance Provision
    • M. Subrogation
    • N. Elements of a contract
    • O. Sources of underwriting information
    • P. Fair Credit Reporting Act
    • Q. Privacy Protection (Gramm Leach Bliley)
    • R. Policy Application
    • S. Terrorism Risk Insurance Act (TRIA)
    • T. Cancellation and nonrenewal provisions
    • U. Supplementary payments
    • V. Loss settlement provisions including consent to settle a loss
    • W. Territory
  • I. MAINE LAWS AND RULES COMMON TO PROPERTY, CASUALTY & PERSONAL LINES INSURANCE
    • A. Superintendent of Insurance
    • A. Superintendent of Insurance / 1. Broad powers
    • A. Superintendent of Insurance / 2. Notice and hearing
    • B. Definitions
    • B. Definitions / 1. Authorized, unauthorized, and certificate of authority
    • B. Definitions / 2. Surplus Lines law
    • B. Definitions / 3. Domestic, foreign, and alien
    • B. Definitions / 4. Stock and mutual
    • B. Definitions / 5. Transacting insurance
    • B. Definitions / 6. Maine Insurance Guaranty Association
    • B. Definitions / 7. Subrogation
    • C. Licensing requirements and Limitations
    • C. Licensing requirements and Limitations / 1. Types of licenses
    • C. Licensing requirements and Limitations / 1. Types of licenses / a. Producer
    • C. Licensing requirements and Limitations / 1. Types of licenses / b. Consultant
    • C. Licensing requirements and Limitations / 1. Types of licenses / c. Temporary
    • C. Licensing requirements and Limitations / 1. Types of licenses / d. Nonresident
    • C. Licensing requirements and Limitations / 1. Types of licenses / e. Adjuster
    • C. Licensing requirements and Limitations / 1. Types of licenses / f. Business entity
    • C. Licensing requirements and Limitations / 1. Types of licenses / g. Apprentice
    • C. Licensing requirements and Limitations / 2. Exemptions/exceptions
    • C. Licensing requirements and Limitations / 3. Appointment
    • C. Licensing requirements and Limitations / 4. License refusal, termination, expiration, revocation, suspension and nonrenewal
    • C. Licensing requirements and Limitations / 5. Continuing Education
    • D. Marketing and underwriting practices
    • D. Marketing and underwriting practices / 1. Unfair practices
    • D. Marketing and underwriting practices / 1. Unfair practices / a. Claims methods and practices
    • D. Marketing and underwriting practices / 1. Unfair practices / b. Excess charges
    • D. Marketing and underwriting practices / 1. Unfair practices / c. Rebating
    • D. Marketing and underwriting practices / 1. Unfair practices / d. Discrimination
    • D. Marketing and underwriting practices / 1. Unfair practices / e. Misrepresentation
    • D. Marketing and underwriting practices / 1. Unfair practices / f. Defamation
    • D. Marketing and underwriting practices / 1. Unfair practices / g. False information and advertising
    • D. Marketing and underwriting practices / 1. Unfair practices / h. Twisting
    • D. Marketing and underwriting practices / 1. Unfair practices / i. Penalties
    • D. Marketing and underwriting practices / 2. Producer responsibilities
    • D. Marketing and underwriting practices / 3. Compensation of licensees
    • D. Marketing and underwriting practices / 4. Roll-on coverages
    • D. Marketing and underwriting practices / 5. Surplus Lines
    • D. Marketing and underwriting practices / 6. Privacy
    • E. Cancellation and nonrenewal provisions
    • E. Cancellation and nonrenewal provisions / 1. Personal lines
  • II. MAINE LAWS AND RULES PERTINENT TO PERSONAL LINES INSURANCE
    • A. Automobile insurance
    • A. Automobile insurance / 1. Uninsured/Underinsured motorists
    • A. Automobile insurance / 2. Excluded member of household
    • A. Automobile insurance / 3. Financial responsibility
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan / a. Personal auto
    • A. Automobile insurance / 4. Maine Automobile Insurance Plan / b. Commercial
    • A. Automobile insurance / 5. Rental Vehicle Coverage
    • A. Automobile insurance / 6. Transportation Network Company/Peer to peer coverage
    • B. Maine Standard Fire Policy
Examination sources