MA Life & Health case studies
MA Life & Health · Put your knowledge to work in context.
The Massachusetts Life & Health insurance producer license is a state credential that allows you to sell, solicit, and negotiate life insurance and accident and health insurance products in the Commonwealth. Candidates typically pursue it to work as agents or brokers for carriers, agencies, or as independent producers, and many use it as an entry point into financial services, employee benefits, or Medicare-related sales. The MA Life & Health case studies are 5 cases and about 4,027 words.
1The Relocated Producer, the Inflated Income, and the Unlicensed Referral Fee
Dana holds a resident life producer license in State A. In February she relocated to State B and, before applying for any State B license, met with a State B couple and submitted a 1,200,000 survivorship application through a State B insurer.
767 words, about 4 min2Automatic Premium Loan Versus Lapse on a $500,000 Whole Life Policy
Marcus bought a 500,000 whole life policy in 2018 and elected the automatic premium loan provision at issue. By August 2025 the policy had a cash value of 72,000 and an outstanding loan balance (principal plus accrued interest) of 66,000.
781 words, about 4 min3A 1035 Exchange Recommendation for a 76-Year-Old With a Liquidity Need
Rosalind is 76 and owns a nonqualified deferred annuity bought in 2022 with a 250,000 single premium; its value today is 268,000 and her cost basis is 250,000. The contract is in surrender-charge year 3 of a 7-year schedule, with a 5% surrender charge and a 10% annual free-withdrawal provision.
786 words, about 4 min4An HDHP Year With an Out-of-Network Anesthesiologist and an HSA Overfund
The Okonkwo family is covered by the employer's HDHP: a 3,500 aggregate family deductible, 20% coinsurance after the deductible, an 8,000 in-network family out-of-pocket maximum, and no out-of-network coverage except emergencies. The employer deposits 1,200 into the family HSA each January; payroll deducts the rest.
821 words, about 4 min5A Dentist's Residual Disability Claim and Her Mother's Long-Term Care Claim
Priya, 46, is a dentist who owns an individual disability income policy with a 90-day elimination period, a five-year benefit period, a 9,000 monthly benefit, an own-occupation definition for the first 24 months and any-occupation thereafter, and a residual disability rider requiring at least a 20% loss of income. In January she injures her back and stops practicing entirely.
872 words, about 4 min