3 Hour Ethics for Insurance Agents – Massachusetts

Approved by the Massachusetts Division of Insurance | Provider #500032040 | Course #6000204467 ✅
Only $19.99 — No added or extra fees. (Includes the state’s $4.50 roster/reporting fee for 3 hours.)

Complete your Massachusetts Ethics requirement the fast, affordable way. This 100% online, self-paced course lets you log in/out anytime and download an instant certificate when you finish. We report your credits to the Division within 24 hours. With 10+ years serving thousands of licensees nationwide, 1st Choice CE keeps renewal simple.

Who Should Take This Course?

Massachusetts resident and nonresident insurance producers (all major lines) who need the 3-hour Ethics requirement for their CE cycle. Massachusetts requires 3 hours of MA-approved ethics each triennium. Massachusetts Government

Massachusetts CE & Renewal — What to Know

• Total CE required:

  • First renewal: 60 hours (includes 3 hours Ethics). Massachusetts Government+1

  • Subsequent renewals: 45 hours every 3 years (includes 3 hours Ethics). ExamFX+1

• Ethics requirement: 3 hours of MA-approved Ethics each triennium (this course). Massachusetts Government

• Renewal timing: Licenses renew on a triennial cycle aligned to your renewal date; complete CE before renewing. Prometric

• State reporting fee: Massachusetts (via SBS) assesses $1.50 per CE hour; many providers add this at checkout. Your $19.99 price already includes the $4.50 fee—no surprises. Prometric+1

How to Renew (Step-by-Step)

Step 1 — Know your total hours.

• New producers: plan for 60 hours this first term; returning producers: 45 hours each triennium. Ethics (3 hrs) is part of that total. Massachusetts Government+1

Step 2 — Complete this Ethics course online.

• Self-paced on any device; progress saves automatically.

Step 3 — Get your instant certificate.

• Download immediately for your records.

Step 4 — We report for you.

• We submit your 3 Ethics credits to Massachusetts within 24 hours.

Step 5 — Renew your license.

• File your renewal with the Division of Insurance by your due date and keep your certificate.

What You’ll Learn — Course Outline (3 Hours Total)

(From our approved syllabus for Massachusetts producers.)

Hour 1 — Core Ethical Duties of the Insurance Producer
Client’s best interest vs. commissions/quotas; conflicts of interest & disclosure; truthful advertising/illustrations; ethical recommendations & replacements; elder/vulnerable-client protections; cultural competence & anti-discrimination.

Hour 2 — Market Conduct, Compliance Foundations & Records
Unfair trade practices & inducements; privacy & data ethics (NPI/PHI); AML & fraud red-flags; ethical documentation & 5+ year record retention; complaint handling & corrective action; supervision, training & delegation ethics.

Hour 3 — Applying Ethics Across Lines & the Client Lifecycle
Life/annuities (suitability/best-interest); health/Medicare & disability (networks/total cost); personal lines P&C (adequacy vs. price); small-business/commercial transparency; post-sale duties & renewals; ethical use of technology, AI & comparative raters.

Why Choose 1st Choice CE?

✅ Massachusetts DOI–Approved (Provider #500032040, Course #6000204467)
✅ Only $19.99 — No extra fees (roster/reporting included)
✅ 100% Online & Mobile Friendly
✅ Self-Paced — Log in/out anytime
✅ Instant Certificate
✅ Credits Reported Within 24 Hours
✅ Money-Back Guarantee
✅ Support by Call or Text — 1-800-698-2770

Why Choose 1st Choice Continuing Education

1st Choice Continuing Education has supported insurance professionals for more than ten years. This Massachusetts Ethics course is Division-approved (Provider #500032040, Course #6000204467), priced clearly at $19.99 with the $4.50 Massachusetts roster fee included, fully online and mobile-friendly, and backed by a money-back guarantee.

Related Courses / Other Courses You May Need

Cover the rest of your Massachusetts insurance CE with our other Massachusetts courses:

• 4-Hour Annuity Best Interest / Suitability Course - Massachusetts

• 3-Hour Flood Insurance - Massachusetts

• 4-Hour Long-Term Care Insurance Partnership Training - Massachusetts

Support When You Need It

✅ Have a question about Massachusetts insurance CE, the Massachusetts Division of Insurance, or this course? Call or text us at 1-800-698-2770.

We also speak Spanish.

Enroll Now

✅ Enroll in the 3 Hour Ethics for Insurance Agents course for Massachusetts for $19.99 and complete your Ethics CE today.