Pass the Massachusetts Life, Accident & Health exam on your first try.
Audio chapters for the commute. 604+ practice questions for the desk. Pass Guarantee.
Hear how Chapter 1 sounds — 75-sec sample
Chapter 1 — 75-second sample
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What's inside the Massachusetts L&H course
- ✓ 9 audio chapters covering both Pearson VUE content outlines (Life Producer and Accident, Health or Sickness Producer, #122301) end-to-end
- ✓ 604+ practice questions with explanations on every answer
- ✓ Listen during commute, gym, chores — no screen required
- ✓ Massachusetts law covered cold (M.G.L. c. 175 licensing and c. 176D unfair trade practices, replacement under 211 CMR 34, Medicare supplement under 211 CMR 71, long-term care under 211 CMR 65, the Guaranty Association)
- ✓ Pass Guarantee — keep studying until you pass, no extra charge
The Massachusetts L&H exam at a glance
- Exams
- 2
- Life Producer exam and Accident, Health or Sickness Producer exam, delivered by Pearson VUE
- Questions
- 80 + 80
- scored questions per exam
- To pass
- 70
- a scaled score of 70
- First-time pass rate
- 41-45% (Life), 56-57% (A&H)
- Massachusetts DOI figures
- Exam fee
- $37
- per attempt
- Pre-licensing course
- Not required
- No pre-licensing course is required in Massachusetts: M.G.L. c. 175 §162L(3) leaves it to the Commissioner, who has not required one.
Free Massachusetts L&H study guides
No signup needed — start with the exam facts, then pick the study plan that fits your timeline.
- How to Pass the Massachusetts Life & Health Exam on the First Try (2026)
- $299 First Try: Massachusetts Life & Health License Cost 2026
- 25 Free Massachusetts Life & Health Exam Practice Questions (2026)
- 18 Free Massachusetts Life Producer Exam Practice Questions (2026)
- 18 Free Massachusetts Accident & Health Exam Practice Questions (2026)
- Is the Massachusetts Life & Health Exam Hard? Pass Rates and Difficulty (2026)
- How Many Questions Are on the Massachusetts Life & Health Exam? Format, Time Limit and Passing Score (2026)
- Failed the Massachusetts Life & Health Exam? Retake Rules, Waiting Periods and Fees (2026)
- Massachusetts Life & Health Exam Day: What to Expect at Pearson VUE (2026)
- Do You Need a Pre-Licensing Course for the Massachusetts Life & Health Exam? (2026)
- 17 Free Massachusetts Life & Health Practice Questions: Life Policy Riders, Provisions, Options and Exclusions (2026)
- 17 Free Massachusetts Life & Health Practice Questions: Life Application, Underwriting and Delivery (2026)
- 17 Free Massachusetts Life & Health Practice Questions: Accident & Health Types of Policies (2026)
- 17 Free Massachusetts Life & Health Practice Questions: Accident & Health Policy Provisions and Social Insurance (2026)
- 17 Free Massachusetts Life & Health Practice Questions: Accident & Health Concepts, Field Underwriting and State A&H Law (2026)
- 17 Free Massachusetts Life & Health Practice Questions: Massachusetts Laws and Rules for All Lines (2026)
- 17 Free Massachusetts Life & Health Practice Questions: Massachusetts Life Insurance Laws and Regulations (2026)
9 chapters. Every exam topic.
2h 10m of audio and 604+ practice questions, mapped to the exam outline.
Early Access
New product · real Massachusetts candidates studying now
LanePrep's Massachusetts L&H course launched in October 2026. Every chapter is checked against the current exam objectives by the founder, and every candidate is asked after the exam whether they passed. Quotes from Massachusetts candidates who report a pass appear here with their permission.
Hi, I'm Nico — I built LanePrep
Founder · Solo · Replies personally
Every chapter — including the Life & Health statutes — is reviewed by me. If you ever spot something wrong or unclear, reply to any email I send and I'll fix it. Solo founder, no outsourced support.
nico@laneprep.com· I read every message.
Don't pass? You're covered.
Two layers of protection depending on which plan you choose:
Monthly
Keep studying free until you pass
No extra charge, no time limit. Re-listen, re-quiz, retake — we never lock you out for failing.
Pass Package ($79)
Full refund if you fail
Upload your official Pearson VUE score report within 30 days. Every cent back. For the “I have to pass first try” mindset.
Ready to pass your Massachusetts L&H exam?
Pass Package
Pay once — pass, or your money back
Kaplan charges $139–$299. Same exam, no course.
- ✓ All 9 audio chapters
- ✓ Practice quiz bank
- ✓ Full refund if you fail
- ✓ No recurring charges
Monthly
Same content, billed monthly
Cancel anytime · pass in 6–10 weeks
- ✓ All 9 audio chapters
- ✓ Practice quiz bank
- ✓ Pass Guarantee included
Not ready to commit yet?
Get 25 free Massachusetts L&H practice questions emailed to you — with full answer explanations. No credit card required.
No spam. Just the questions and one optional follow-up.
Common questions
Which exam does this cover?
The Massachusetts Life, Accident & Health license needs 2 exams, delivered by Pearson VUE: Life Producer exam (80 questions) and Accident, Health or Sickness Producer exam (80 questions), each passed with a scaled score of 70. Every chapter is mapped to the current content outlines.
Can I really study just by listening?
The audio lessons teach through plain explanations, worked examples and memory aids, so the listening does the first pass. The question bank and the mastery dashboard are where you confirm it stuck; that part is on a screen, and it takes minutes a day, not hours.
How long until I'm ready for the exam?
The audio is 2h 10m in total, so most people finish the 9 chapters in two or three commutes and then spend their time on the 604+ practice questions. Book the exam when the mastery dashboard is green across every chapter.
What if I don't pass?
Pass Package customers get a full refund of the $79 on a failed attempt: upload the official Pearson VUE score report within 30 days of an exam sat after purchase and within 180 days of it. Monthly subscribers pay nothing more until they pass: tell us you did not pass and billing pauses while your access stays open.
Is this an official pre-licensing course?
No. LanePrep is the exam prep itself, not a state-mandated course. No pre-licensing course is required in Massachusetts: M.G.L. c. 175 §162L(3) leaves it to the Commissioner, who has not required one.
What is the Massachusetts L&H exam pass rate?
About 41-45% (Life), 56-57% (A&H) of first-time candidates pass, according to Massachusetts DOI's published figures. Repeat candidates pass at a noticeably lower rate, which is why the first attempt matters.
How much does LanePrep cost?
$79 once for permanent access with a full refund if you don't pass, or $14.99 a month that you can cancel any time. Both include every chapter, the full question bank and the practice exam.
Can I use this offline?
Yes. LanePrep is a progressive web app: install it on your phone and download the chapters for offline listening.
Who runs LanePrep — is it a legitimate company?
LanePrep is operated by LeakShield Technologies LLC (Spokane, WA) and run by its founder, Nico, who writes and reviews every chapter and answers every email himself. Payments are processed by Stripe.
Ready to pass your exam?
Start with Chapter 1 — it's free. No credit card required.
Listen to Chapter 1 free (11 min)