A Massachusetts producer renews on time and completes her continuing education every cycle. A colleague claims her producer license will expire after a fixed number of years unless it is reissued. What is correct under Massachusetts law?

Why D is correct

M.G.L. c. 175, § 162M provides that a producer license remains in effect unless it is revoked or suspended, so long as the licensee meets renewal fees and continuing education requirements. Massachusetts does not force a reissue of a compliant producer's license; the renewal process keeps the same license alive. Discipline — not the passage of time — is what ends a compliant producer's license.

Why the other options are wrong

• A) An annual expiration-and-reissue cycle is not how Massachusetts treats producer licenses; M.G.L. c. 175, § 162M keeps them in effect absent revocation or suspension.
• B) Licenses do not lapse automatically at each renewal when fees and continuing education are current; renewal continues the license without reissue.
• C) The remain-in-effect rule of M.G.L. c. 175, § 162M applies to producer licenses generally; residency is not the trigger for expiration.

Memory hook

Renew, don't reissue — the license lives until the Commissioner revokes or suspends it.