24-Hour Insurance CE Package - Massachusetts

✅ Approved by Massachusetts Division of Insurance | Provider #500032040 | Includes 6 Approved Courses | Only $79.99 | Instant Emailed Certificates | 100% Online & Self-Paced

Twenty-four approved Massachusetts continuing education hours, including the 3 hours of Massachusetts Approved Ethics, in one online package for $79.99. Every course inside is separately approved by the Massachusetts Division of Insurance under provider number 500032040, and the package totals exactly 24 hours.

Everything is 100% online and self-paced. Take the courses in any order, log in and out without losing progress, and receive a certificate by email as you finish each one. 1st Choice CE reports your completion to the Division's continuing education administrator. Bought separately these courses cost $119.94; the package is $79.99.

✅ Package Details

• Package name: 24-Hour Insurance CE Package
• Approved by: Massachusetts Division of Insurance
• Provider number: 500032040
• Courses included: 6 separately approved courses
• Total hours: 24 credit hours
• Course format: 100% online, self-paced
• Price: $79.99
• Certificate: emailed immediately after each course is completed
• Reporting: 1st Choice CE reports your completion to the Division's continuing education administrator
• Page URL: https://1stchoice-ce.com/courses/checkout/massachusetts/24-hr-insurance-ce-package-massachusetts/
• Support: call or text 1-800-698-2770

✅ What Is Included

• 3 Hour Ethics for Insurance Agents (3 hours) - course #6000204467: approved in Massachusetts
• 5 HRs Life Insurance Products and Retirement Planning (5 hours) - course #6000223850: approved in Massachusetts
• 4 HRs Medicare Advantage and Part D Update (4 hours) - course #6000223822: approved in Massachusetts
• 4 HRs Health Insurance and Affordable Care Act Updates (4 hours) - course #6000223840: approved in Massachusetts
• 4 HRs Personal Auto and Umbrella Insurance (4 hours) - course #6000223839: approved in Massachusetts
• 4 HRs Commercial Lines Insurance Essentials (4 hours) - course #6000223876: approved in Massachusetts

Total: 24 credit hours.

✅ Who Should Take This Package?

• Massachusetts licensed resident insurance producers who have hours already banked or carried forward
• Licensees who want the whole compliance period handled in one purchase
• Agents who would rather not track which mandated subjects are still outstanding
• Producers who want every completion reported by the provider
• Anyone renewing on a deadline who needs the full 24 credits online
• Licensees who want one price rather than seven separate transactions

✅ Does This Package Satisfy the State Requirement?

This is the package for a producer who does not need the full 45 - because hours were carried forward from the previous 36-month period, or because part of the requirement is already complete. It carries the 3 hours of Massachusetts Approved Ethics, so the mandated subject is covered no matter how the rest of your hours were earned, and the remaining 21 hours span life, health, Medicare, auto and commercial lines. It does NOT complete a Massachusetts renewal on its own.

✅ Massachusetts Continuing Education Requirements

Massachusetts runs on a three-year cycle rather than a two-year one, and it is one of the very few states where the FIRST renewal requires MORE hours than later ones. Under 211 CMR 50.04 a producer completes 60 hours of approved instruction before the initial licence renewal, then 45 hours in each 36-month period after that. Three of those hours must be a program of instruction on Massachusetts Approved Ethics, which the Division abbreviates MAE and codes as MAE in the approved course catalogue. The 3 MAE hours count inside the total rather than on top of it. The regulation permits the hours to be satisfied in any of the lines of insurance for which you are licensed, so there is no mandatory life and health versus property and casualty allocation.

• 60 hours of approved instruction before your FIRST licence renewal
• 45 hours for each 36-month period after that
• 3 of those hours must be Massachusetts Approved Ethics, coded MAE - a generic ethics course does not satisfy it
• The requirement is not split by line of authority - hours may be taken in any line you hold
• No cap on self-study or online hours, and no proctoring requirement
• Excess hours carry forward to the next 36-month period only

Since December 1, 2020 Massachusetts credits may be earned online or through approved courses in reciprocal states, the two-credit minimum course length has been removed so single-credit courses are permitted, and a credit hour is defined as a minimum of 50 minutes. There is no cap on self-study or correspondence hours and no proctoring requirement. Excess hours carry forward to the next 36-month period only. Exemptions under 211 CMR 50.03 are narrow: nonresidents holding an equivalent home-state licence with its own continuing education requirement; persons licensed in Massachusetts before April 4, 1983, subject to exceptions where the licence was amended or lapsed; auto club agents; insurance advisers; fraternal agents; and producers licensed only for travel or credit insurance. The April 4, 1983 date is a fixed historical cutoff, not a years-of-service rule, and Massachusetts has no age or professional-designation exemption.

How this package helps: This package provides 24 of the 45 hours a Massachusetts producer needs in a 36-month period, including the 3 hours of Massachusetts Approved Ethics. You will need a further 21 approved hours to complete a standard renewal, or a further 36 hours if this is your first renewal.

✅ When Do Licensees Renew?

Massachusetts producer licences renew on your birth DATE, on a three-year cycle - not on your birth month and not every two years. Work out first whether this is your initial renewal, which carries the 60-hour requirement, or a subsequent one at 45 hours. That distinction is the most common miscount in the state.

✅ How to Meet Your Massachusetts CE Requirement

1. Identify your renewal date - your birth date, every three years - and determine whether this is your initial renewal at 60 hours or a subsequent one at 45.
2. Pull your continuing education transcript in SBS License Manager to see credits already posted and any hours carried forward from the prior 36-month period.
3. Complete the required 60 or 45 hours of Massachusetts-approved instruction, including 3 hours specifically coded Massachusetts Approved Ethics. Courses may be classroom, self-study, online, or taken in a reciprocal state.
4. Complete any transaction-specific training that applies: the one-time 4-credit annuity course before selling annuities, the one-time 3-hour NFIP flood course if you write flood on a Property, Casualty or Personal Lines licence, and your carrier's own long-term care product training before selling long-term care.
5. Verify on SBS that every credit, and specifically the 3 MAE credits, has posted before your renewal date. An unposted MAE course will block the renewal.
6. Renew through NIPR.com, which checks compliance before accepting the filing, and pay the renewal fee plus the lead paint surcharge if you carry Property, Casualty or Personal Lines.
7. Confirm the licence shows active in SBS License Manager and keep your completion certificates.

There is no grace period on the requirement itself - the hours must be complete and posted before the renewal date. Failure to complete may result in non-renewal or suspension of the licence under 211 CMR 50.07, and the Commissioner may impose a civil fine of not less than $20 and not more than $100 for EACH hour of instruction by which you fall short, after a hearing. A ten-hour shortfall can therefore cost up to $1,000 on top of the late renewal fee. The Commissioner may grant an extension of time for good cause. Producers generally have up to one year from the renewal date to make up deficient credits and late-renew. Public insurance adjusters have no reinstatement period at all and must retake the examination.

✅ What You Will Learn

• 3 Hour Ethics for Insurance Agents - the duties a producer owes the client, the insurer and the public, with suitability, disclosure, replacement standards and the consequences of misrepresentation
• 5 HRs Life Insurance Products and Retirement Planning - term, whole and universal life designs, cash value and dividends, fixed, indexed and variable annuities, 1035 exchanges, illustrations and replacement
• 4 HRs Medicare Advantage and Part D Update - Medicare Advantage plan types, Star Ratings, Part D formularies and exceptions, enrollment periods and CMS marketing standards
• 4 HRs Health Insurance and Affordable Care Act Updates - individual, small-group and large-group plan structures, cost sharing, essential health benefits, Marketplace enrollment and premium tax credits
• 4 HRs Personal Auto and Umbrella Insurance - personal auto definitions and liability limits, uninsured and underinsured motorist coverage, physical damage and how umbrellas respond
• 4 HRs Commercial Lines Insurance Essentials - commercial property and coinsurance, CGL triggers, occurrence versus claims-made, hired and non-owned auto and workers compensation basics

✅ Course Content Overview

3 Hour Ethics for Insurance Agents (3 hours): the duties a producer owes the client, the insurer and the public, with suitability, disclosure, replacement standards and the consequences of misrepresentation

5 HRs Life Insurance Products and Retirement Planning (5 hours): term, whole and universal life designs, cash value and dividends, fixed, indexed and variable annuities, 1035 exchanges, illustrations and replacement

4 HRs Medicare Advantage and Part D Update (4 hours): Medicare Advantage plan types, Star Ratings, Part D formularies and exceptions, enrollment periods and CMS marketing standards

4 HRs Health Insurance and Affordable Care Act Updates (4 hours): individual, small-group and large-group plan structures, cost sharing, essential health benefits, Marketplace enrollment and premium tax credits

4 HRs Personal Auto and Umbrella Insurance (4 hours): personal auto definitions and liability limits, uninsured and underinsured motorist coverage, physical damage and how umbrellas respond

4 HRs Commercial Lines Insurance Essentials (4 hours): commercial property and coinsurance, CGL triggers, occurrence versus claims-made, hired and non-owned auto and workers compensation basics

✅ Other Massachusetts Insurance CE Courses

• 3 Hour Ethics for Insurance Agents - Massachusetts – $19.99
• 5 HRs Life Insurance Products and Retirement Planning - Massachusetts – $19.99
• 4 HRs Medicare Advantage and Part D Update - Massachusetts – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Massachusetts – $19.99
• 4 HRs Personal Auto and Umbrella Insurance - Massachusetts – $19.99
• 4 HRs Commercial Lines Insurance Essentials - Massachusetts – $19.99

✅ Why Choose 1st Choice CE?

• Every course separately approved in Massachusetts
• All 24 hours for $79.99 instead of $119.94 bought separately
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate after each course
• We report your completions for you
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

Enroll in the 24-Hour Insurance CE Package for $79.99 and complete all 24 approved hours online, on your schedule. Questions before you buy? Call or text 1-800-698-2770.

✅ Frequently Asked Questions

Is this package approved in Massachusetts?

Every course in the package is separately approved by the Massachusetts Division of Insurance under provider number 500032040. Course numbers are listed in What Is Included.

How many hours does the package provide?

24 credit hours in total.

Does it complete my whole requirement?

This package provides 24 of the 45 hours a Massachusetts producer needs in a 36-month period, including the 3 hours of Massachusetts Approved Ethics. You will need a further 21 approved hours to complete a standard renewal, or a further 36 hours if this is your first renewal.

Does it include the required ethics hours?

Yes. The 3-hour ethics course is included and it is approved in the ethics category, which Massachusetts requires - Massachusetts asks specifically for Massachusetts Approved Ethics, coded MAE, and a generic ethics course does not satisfy it.

Does it include the flood hours?

No. This package is built for life, accident and health licensees, who have no flood requirement. If you also hold property and casualty authority, choose the 24-Hour Property & Casualty package instead.

Can I take the courses in any order?

Yes. They are independent and you can work through them in whatever order suits you.

Is everything online?

Yes. All 24 hours are 100% online and self-paced. Massachusetts sets no limit on online or self-study hours.

Can I log in and out without losing progress?

Yes. Your progress is saved in every course.

When do I get my certificates?

A certificate is emailed to you as soon as you finish each course, so you do not have to wait until the whole package is done.

Do I report the completions myself?

No. 1st Choice CE reports your completion to the Division's continuing education administrator.

When is my continuing education due?

On your birth date, every three years. Check whether this is your initial renewal, which requires 60 hours, or a later one at 45.

What happens if I miss my compliance date?

Failure to complete may result in non-renewal or suspension, plus a civil fine of not less than $20 and not more than $100 for each hour you fall short. Producers generally have up to one year from the renewal date to make up deficient credits and late-renew.

Do extra hours carry over?

Yes. Excess hours carry forward to the next 36-month period only - they do not roll further than one period.

How much do I save versus buying separately?

The courses total $119.94 purchased individually. The package is $79.99.

Is there a money-back guarantee?

Yes. If the package is not what you expected, contact us and we will make it right.

Who do I call if I need help?

Call or text 1-800-698-2770.