45-Hour Complete Insurance CE Renewal Package - Massachusetts

✅ Approved by Massachusetts Division of Insurance | Provider #500032040 | Includes 12 Approved Courses | Only $139.99 | Instant Emailed Certificates | 100% Online & Self-Paced

Complete all 45 Massachusetts continuing education hours for your three-year renewal, including the 3 hours of Massachusetts Approved Ethics, in one approved online package for $139.99. Every course inside is separately approved by the Massachusetts Division of Insurance under provider number 500032040, and the package totals exactly 45 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 $239.88; the package is $139.99.

✅ Package Details

• Package name: 45-Hour Complete Insurance CE Renewal Package
• Approved by: Massachusetts Division of Insurance
• Provider number: 500032040
• Courses included: 12 separately approved courses
• Total hours: 45 credit hours
• Course format: 100% online, self-paced
• Price: $139.99
• 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/45-hr-complete-insurance-ce-renewal-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
• 4-Hour Annuity Best Interest and Suitability (4 hours) - course #6000207749: approved in Massachusetts
• 3-Hour Flood Insurance (NFIP) (3 hours) - course #6000207748: approved in Massachusetts
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training (4 hours) - course #6000207733: approved in Massachusetts
• 3 HRs Emerging Risks and Specialty Coverages (3 hours) - course #6000223821: approved in Massachusetts
• 4 HRs Medicare Advantage and Part D Update (4 hours) - course #6000223822: approved in Massachusetts
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) (3 hours) - course #6000223838: approved in Massachusetts
• 4 HRs Personal Auto and Umbrella Insurance (4 hours) - course #6000223839: approved in Massachusetts
• 4 HRs Health Insurance and Affordable Care Act Updates (4 hours) - course #6000223840: approved in Massachusetts
• 5 HRs Life Insurance Products and Retirement Planning (5 hours) - course #6000223850: approved in Massachusetts
• 4 HRs Homeowners Insurance Overview (4 hours) - course #6000223855: approved in Massachusetts
• 4 HRs Commercial Lines Insurance Essentials (4 hours) - course #6000223876: approved in Massachusetts

Total: 45 credit hours.

✅ Who Should Take This Package?

• Massachusetts licensed resident insurance producers renewing on a standard 36-month cycle
• 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?

Massachusetts runs on a 36-month cycle and asks for 45 hours of approved instruction, three of which must be Massachusetts Approved Ethics. This package delivers all 45 in a single purchase, with the ethics hours already inside it, so there is nothing left to source separately. Because Massachusetts does not split the requirement by line of authority, the mix works whether you write life and health, property and casualty, or both. Every course is online and self-paced, and Massachusetts places no cap on self-study hours and requires no proctor, so the whole package can be completed at your own pace.

✅ 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 all 45 hours a Massachusetts producer must complete in a 36-month period, and it carries the 3 hours of Massachusetts Approved Ethics inside that total. If this is your FIRST renewal, Massachusetts requires 60 hours rather than 45 - add 15 further approved hours to this package to reach it.

✅ 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
• 4-Hour Annuity Best Interest and Suitability - the best-interest standard for annuity recommendations, including the care, disclosure, conflict-of-interest and documentation obligations
• 3-Hour Flood Insurance (NFIP) - what the National Flood Insurance Program insures and excludes, flood zone determinations, the waiting period, limits and elevation certificates
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - ongoing Partnership training on benefit triggers, settings of care, and how the asset disregard interacts with Medicaid eligibility and estate recovery
• 3 HRs Emerging Risks and Specialty Coverages - cyber exposures traditional forms were never written to insure, rideshare and delivery gaps, telematics and catastrophe trends
• 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
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - material misrepresentation and intent, auto and property fraud patterns, the claims lifecycle and fair claims practices
• 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 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
• 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 Homeowners Insurance Overview - homeowners policy forms and Coverages A through F, named versus open peril, wind and hail deductibles, roof limits and loss settlement
• 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

4-Hour Annuity Best Interest and Suitability (4 hours): the best-interest standard for annuity recommendations, including the care, disclosure, conflict-of-interest and documentation obligations

3-Hour Flood Insurance (NFIP) (3 hours): what the National Flood Insurance Program insures and excludes, flood zone determinations, the waiting period, limits and elevation certificates

4 Hrs Ongoing Long-Term Care Insurance Partnership Training (4 hours): ongoing Partnership training on benefit triggers, settings of care, and how the asset disregard interacts with Medicaid eligibility and estate recovery

3 HRs Emerging Risks and Specialty Coverages (3 hours): cyber exposures traditional forms were never written to insure, rideshare and delivery gaps, telematics and catastrophe trends

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

3 Hrs Insurance Fraud and Claims Handling (P&C Focus) (3 hours): material misrepresentation and intent, auto and property fraud patterns, the claims lifecycle and fair claims practices

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 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

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 Homeowners Insurance Overview (4 hours): homeowners policy forms and Coverages A through F, named versus open peril, wind and hail deductibles, roof limits and loss settlement

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
• 4-Hour Annuity Best Interest and Suitability - Massachusetts – $19.99
• 3-Hour Flood Insurance (NFIP) - Massachusetts – $19.99
• 4 Hrs Ongoing Long-Term Care Insurance Partnership Training - Massachusetts – $19.99
• 3 HRs Emerging Risks and Specialty Coverages - Massachusetts – $19.99
• 4 HRs Medicare Advantage and Part D Update - Massachusetts – $19.99
• 3 Hrs Insurance Fraud and Claims Handling (P&C Focus) - Massachusetts – $19.99
• 4 HRs Personal Auto and Umbrella Insurance - Massachusetts – $19.99
• 4 HRs Health Insurance and Affordable Care Act Updates - Massachusetts – $19.99
• 5 HRs Life Insurance Products and Retirement Planning - Massachusetts – $19.99
• 4 HRs Homeowners Insurance Overview - Massachusetts – $19.99
• 4 HRs Commercial Lines Insurance Essentials - Massachusetts – $19.99

✅ Why Choose 1st Choice CE?

• Every course separately approved in Massachusetts
• All 45 hours for $139.99 instead of $239.88 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 45-Hour Complete Insurance CE Renewal Package for $139.99 and complete all 45 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?

45 credit hours in total.

Does it complete my whole requirement?

This package provides all 45 hours a Massachusetts producer must complete in a 36-month period, and it carries the 3 hours of Massachusetts Approved Ethics inside that total. If this is your FIRST renewal, Massachusetts requires 60 hours rather than 45 - add 15 further approved hours to this package to reach it.

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?

Yes.

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 45 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 $239.88 purchased individually. The package is $139.99.

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.