Which of the following may prevent a person from obtaining a Massachusetts resident producer license?

The correct answer highlights a fundamental requirement for obtaining a resident producer license in Massachusetts. To qualify for a resident producer license, an individual must be a resident of Massachusetts. This means that residing in a different state is a disqualifying factor, as the licensing authority needs to ensure that the licensed producers are subject to Massachusetts laws and regulations.

In contrast, the other factors mentioned do not necessarily disqualify a candidate from obtaining a license. For example, not having a college degree is not a requirement for a resident producer license in Massachusetts, as the state does not mandate a degree for all types of producers. Similarly, having a criminal record may not impact someone's eligibility after a certain period (like five years), especially if the offenses are not directly related to the insurance field. Also, being under 21 years old typically disqualifies an individual from being licensed, but depending on the specific circumstances and the type of license sought, there might be pathways to licensure for those underage. Thus, residing outside of Massachusetts is the most definitive barrier to licensing among the presented options.