Maine life line
The Maine life insurance exam.
The Maine life insurance exam is 75 scored questions, about 10 unscored pretest questions, in 105 minutes, passing at a scaled 70, $55 per attempt, administered by Pearson VUE. We sell study materials and practice exams for it, written from the official Maine outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Maine Life Producer |
| Scored questions | 75 |
| Pretest questions | about 10 (unscored) |
| Time limit | 105 minutes |
| Passing score | a scaled 70 |
| Exam fee | $55 |
| Testing vendor | Pearson VUE |
| Retake rules | You wait one day before scheduling a retake, and you cannot book it at the test center. |
| Prelicensing education | not required for the life line |
Checked against Pearson VUE's official materials. Specs change, so confirm them when you register.
How to get your Maine life insurance license
- 1
Meet the basics
Maine sets its own age, background check and application rules. The Maine insurance department lists them, so read them before you book.
- 2
Study the exam outline
Maine does not require prelicensing education for the life line, so your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with Pearson VUE
Register at Pearson VUE, pick a test center or online proctoring where offered, and pay the $55 exam fee.
- 4
Pass the exam
Walk in knowing the format, 75 scored questions in 105 minutes, passing at a scaled 70. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Maine exam covers
From the official exam outline, each section's share of the exam and how many of the 75 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| General Knowledge | 67 percent | 50 questions |
| Maine-Specific | 33 percent | 25 questions |
Free Maine practice questions
Original questions written to the Maine outline, the same bank our students drill. Tap a question to check the answer.
Question 1Derek wants a permanent policy where his cash value is invested in stock and bond subaccounts he selects, accepting that values may rise or fall. Which policy fits?
- A. Whole life
- B. Decreasing term
- C. Annuity certain
- D. Variable life
Show the answer
Answer: D
Variable life lets the owner direct cash value into investment subaccounts, so values fluctuate with market performance. Whole life has guaranteed, fixed cash value with no owner-directed investing. Decreasing term is temporary with a shrinking death benefit and no cash value. An annuity certain is a payout arrangement, not permanent life insurance.
Question 2Rosa's whole life policy requires a medical exam and the underwriter has not yet completed it; when does coverage generally begin if she only received a binding or nonmedical acknowledgment but paid no premium?
- A. Immediately at application regardless of premium
- B. Only after one year has passed
- C. When the beneficiary accepts the policy
- D. When the policy is delivered and the first premium is paid while she is still in good health
Show the answer
Answer: D
When no premium is paid at application, coverage typically begins upon delivery of the policy and payment of the first premium, provided the insured's health has not changed. Coverage does not start automatically at application without a receipt, there is no automatic one year wait, and beneficiary acceptance is not what triggers coverage.
Question 3In a third-party ownership arrangement, who is the person whose death triggers the death benefit?
- A. The owner
- B. The insured
- C. The beneficiary
- D. The producer
Show the answer
Answer: B
Third-party ownership means one person owns the policy on the life of another. The insured is the person whose life is covered and whose death triggers payment. The owner controls the policy but is a different person here, so choice A is wrong. The beneficiary receives the money but is not the measuring life, so choice C is wrong. The producer only sold the policy, so choice D is wrong.
Question 4Who is the state official in Maine responsible for administering and enforcing the insurance laws?
- A. The Superintendent of Insurance
- B. The Attorney General
- C. The Insurance Commissioner
- D. The Director of Insurance
Show the answer
Answer: A
In Maine, the head of the Bureau of Insurance is titled the Superintendent of Insurance. 'Commissioner' and 'Director' are titles used in other states but not Maine. The Attorney General handles legal matters for the state generally, not day-to-day insurance regulation.
Title 24-A M.R.S.A. (Bureau of Insurance; Superintendent of Insurance)
Question 5How does a policy summary differ from a sales illustration in Maine life insurance sales?
- A. A policy summary is optional while an illustration must always be delivered
- B. They are the same document with different names
- C. A policy summary shows the specific costs and benefits of the actual policy, while an illustration projects nonguaranteed values over time
- D. A policy summary is a legal contract while an illustration is part of the policy
Show the answer
Answer: C
A policy summary discloses the actual costs and benefits of the policy being sold, while an illustration shows projected values, some of which are not guaranteed. The two are distinct documents. The policy summary is a required disclosure, not merely optional. Neither the summary nor a basic illustration is itself the binding contract. They are not the same document.
Take the free Maine practice test, every question with the answer and the explanation
Maine exam FAQs
How many questions are on the Maine life insurance exam?
75 scored questions, plus about 10 unscored pretest questions mixed in, with 105 minutes on the clock.
What score passes the Maine exam?
You need a scaled 70 to pass.
How much does the Maine life insurance exam cost?
The exam fee is $55 per attempt, paid to Pearson VUE. Licensing application and fingerprint fees are separate.
What happens if I fail the Maine exam?
You wait one day before scheduling a retake, and you cannot book it at the test center. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Maine require prelicensing education before the exam?
No. Maine does not require prelicensing education for the life line, which means how you study is up to you and practice exams carry more of the load.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Maine exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (75 questions, 105 minutes), and a mastery map that shows what to study next.