Maryland Insurance Exam Guides
Pick the license you're studying for. Each guide covers Maryland-specific requirements, fees, and official links — plus a free practice exam. Then scroll down to explore the Maryland exam's state-law material, mapped.
Free study resource
What's actually tested on the Maryland exam — the state regulations, mapped
Every Maryland insurance exam reserves a block of questions for Maryland-specific law — the fees, deadlines, limits, and rules that generic national study guides gloss over. This is that material: 125 facts from the TESTivity Maryland regulations curriculum, organized the way we teach them. Open a branch, explore, and let the structure do some of the remembering for you.
Every fact below carries its source citation and the date we last verified it (most recently August 2026) — and is re-checked on a schedule. Facts marked tested are ones you should expect to see on the exam.
Life 18 facts
The life insurance rules that differ by state — free look, grace, reinstatement.
- Incontestability period tested2 years from the date of issue, during the insured's lifetime
- Grace period for individual life testedA grace period of not less than 30 days (one month)
- Window to reinstate a lapsed policy testedWithin 3 years of premium default (2 years for industrial life), on evidence of insurability and payment of arrears
- Max interest chargeable on reinstatement, if capped testedOverdue premiums bear interest not exceeding 6% per year, compounded annually
- Suicide exclusion period tested2 years from the date of issue - but the clock is ANTI-CHURNING: on a newly issued policy the 2 years is deemed to begin on the date the insurer FIRST issued a life policy to that insured, unless the prior policy ended before the new issue date or more than 12 months after it. On an excluded death the insurer must still pay at least the RESERVE calculated on the policy's nonforfeiture mortality table and interest rate - not a return of premium.
- Free look for individual life tested10 days after the policy is DELIVERED, exercised by giving the insurer written notice of cancellation. The refund is 'a pro rata premium for the unexpired term' - NOT a full return of premium. The notice must be attached to or prominently printed on the face of the policy. Applies to individual life and annuities only; § 16-101 excludes group life and group annuities from the whole title.
- Free look for annuities tested10 days after delivery, on the same terms as individual life - written notice of cancellation, refund of a pro rata premium for the unexpired term. Does not apply to a contract issued to an employee to fund a qualified pension, annuity or profit-sharing plan where participation is a condition of employment.
- Free look when a policy is being replaced tested30 days after delivery, and the refund measure is far stronger than the § 16-105 baseline: 'an unconditional full refund of all premiums or considerations paid ... including any life insurance policy fees or charges.'
- Free look for long-term care tested30 days for long-term care
- Required nonforfeiture options testedCash surrender value, reduced paid-up insurance, extended term insurance
- Registrations required to sell variable products testedThe Variable Life and Annuity line requires the underlying Life license, a FINRA Series 6, 7, or 63 plus the SIE, and active FINRA registration
- Does the state regulate viatical/life settlements? testedYes — viatical and life settlements are regulated (Md. Code, Ins. Title 8, Subtitle 6; COMAR 31.09.11)
- Viator's rescission window testedAt least 15 calendar days after receipt of the settlement proceeds
- Has the state adopted the NAIC best interest standard? testedYES — Maryland adopted the NAIC best interest standard, with best-interest obligations effective October 8, 2022 (COMAR 31.09.12). A producer recommending an annuity must act in the consumer's best interest.
- Which free look applies, and what each refunds testedThree regimes with three different refunds. General individual life or annuity: 10 days from delivery, PRO RATA premium for the unexpired term (Ins. § 16-105(b)(1)). Replacement: 30 days, unconditional FULL refund including policy fees (COMAR 31.09.05.06A(5)). Variable life: 45 days from execution of the application or 10 days from receipt of the policy, WHICHEVER IS LATER, refund of all premium payments (COMAR 31.09.02.04D(1)(a)(v)).
- Maximum policy loan interest rate testedDate-scoped. The familiar 6% ceiling in § 16-207(c)(1) is expressly 'subject to § 16-208' and is effectively the legacy rule. For every policy issued ON OR AFTER JULY 1, 1983 the live rule is § 16-208(b): either a fixed maximum not exceeding 8%, or an adjustable maximum tied to Moody's corporate bond yield average, adjusted at least every 12 months but not more than once a quarter, and MANDATORILY reduced when the calculation would lower it by at least 0.5%.
- Is an automatic premium loan provision required? testedYES - except for weekly-premium policies, every life policy subject to § 16-207 must PROVIDE FOR an automatic premium loan, subject to an election by the party entitled to elect. Most states leave APL optional, so this is a Maryland-specific requirement.
- Time limit to void for an age outside the insurable range testedWhere the application or policy limits insurable age and the correct age falls outside it, the insurer may void the policy during the insured's lifetime but NOT LATER THAN 3 YEARS AFTER ISSUANCE - and may not exercise the option more than 30 DAYS after the correct age is established. Outside that window the ordinary rule applies: the benefit is what the premium would have purchased at the correct age.
Health 17 facts
Health coverage rules — continuation, prompt pay, mandates, public programs.
- Has the state expanded Medicaid under the ACA? testedYES — Maryland expanded Medicaid under the ACA to adults up to 138% of the federal poverty level
- Effective date of expansion, if expanded testedJanuary 1, 2014
- Agency administering Medicaid testedThe Maryland Department of Health, through the Maryland Medical Assistance Program
- Federal marketplace or state-based exchange testedA STATE-BASED exchange — Maryland Health Connection, run by the Maryland Health Benefit Exchange (not HealthCare.gov)
- Name of the state CHIP program testedThe Maryland Children's Health Program (MCHP)
- Clean-claim payment deadline, electronic tested30 days after receipt of a clean claim (Maryland applies the same 30-day standard to electronic and paper)
- Clean-claim payment deadline, paper tested30 days — the same clean-claim deadline applies to paper and electronic claims
- Does the state distinguish electronic vs paper claims? testedNo split — a single 30-day clean-claim deadline for both paper and electronic claims
- Interest / penalty on late claim payment testedTiered interest on a late clean claim: 1.5% per month (days 31-60), 2% per month (days 61-120), 2.5% per month (after 120 days), plus a fine up to $500 per arbitrary violation
- Is the IRO's external review decision binding on the plan? testedYES — the Insurance Commissioner issues a final decision on external review that binds the carrier; the carrier's only recourse is judicial review
- Employer size at which federal COBRA applies testedFederal COBRA applies at 20+ employees; Maryland's continuation covers situations where federal COBRA does not apply
- Employer size range covered by state continuation testedMaryland continuation is an ENTITLEMENT, not an offer duty, and it reaches below the federal threshold - the MIA states that 'Only Maryland's law requires continuation coverage for an individual whose employer group has fewer than 20 employees.' The qualifying test is on the INSURED, not the employer's size: a Maryland resident covered under the group contract with the same employer for at least 3 months before the change in status.
- Duration of state continuation coverage tested18 months after the change in status on termination of employment - and 'change in status' expressly INCLUDES a VOLUNTARY quit, not just involuntary termination other than for cause. Continuation on DIVORCE under § 15-408 has NO month cap at all: it runs until the former spouse remarries or another listed event occurs.
- Election period for state continuation testedAt least 45 days from the qualifying change in status
- Max premium as % of group rate testedThe employer plus employee contribution (about 100% of the group rate), plus a reasonable administrative fee — Maryland does not fix a COBRA-style 102% cap
- Insurer claim clocks, life and health tested10 WORKING DAYS to provide claim forms, instructions and reasonable assistance after notification, and 10 WORKING DAYS to answer an MIA inquiry - but 30 PLAIN DAYS to pay, refuse with specific reasons, or explain why the claim could not reasonably be processed and state what further information is needed.
- Who has how long on an appeal, and in which unit testedThe units switch inside one subtitle. The CARRIER renders a grievance decision in 30 WORKING days (45 working days on a retrospective denial). The member has 4 MONTHS to complain to the Commissioner. The COMMISSIONER decides within 45 PLAIN DAYS, extendable by up to 30 WORKING days. '45' appears on both sides meaning different amounts of real time.
Auto 12 facts
Auto insurance — minimum limits, fault system, required coverages.
- Fault-based (tort) or no-fault testedFAULT-BASED (tort) — Maryland is an at-fault state, not a no-fault state. It requires PIP be OFFERED, but PIP is waivable.
- Minimum bodily injury liability per person tested$30,000
- Minimum bodily injury liability per occurrence tested$60,000
- Minimum property damage liability tested$15,000
- The memorizable shorthand (e.g. 30/60/25) tested30/60/15
- Uninsured motorist: mandatory / must be offered & rejectable / not required testedMANDATORY - uninsured motorist coverage at limits equal to the policy's liability limits, never below 30/60/15. Maryland's UM definition reaches an UNDERINSURED vehicle: one whose limits are less than the UM coverage provided, or have been reduced below the required amounts by prior claim payments. The statute also PROHIBITS any provision requiring UM disputes between the insured and the insurer to go to binding arbitration.
- Underinsured motorist status testedEnhanced Underinsured Motorist (EUIM) must be PROVIDED, not merely offered. For policies issued on or after July 1, 2024, the insurer must include EUIM unless the FIRST NAMED INSURED signs an affirmative written waiver, and the waiver form must explain the declined coverage in at least 14 POINT BOLDFACE TYPE. A separate version of the statute, effective June 30, 2029, converts this to an offer-and-elect model.
- Personal injury protection status testedMinimum $2,500 PIP, covering medical and funeral expenses, 85% OF LOST INCOME, and essential-services reimbursement, each for expenses incurred within 3 years of the accident. Two separate opt-outs: a WAIVER under § 19-506 (first named insured only; binds listed drivers and household family members AGED 16 OR OVER) and a much narrower REJECTION under § 19-506.1 (minimum limits only). Both forms use 10 POINT BOLDFACE TYPE.
- Contributory / pure comparative / modified comparative negligence testedCONTRIBUTORY NEGLIGENCE — a claimant whose own negligence contributed to the injury, even slightly, recovers NOTHING. Maryland is one of the few jurisdictions retaining this rule.
- Assigned risk / residual market plan for auto testedThe Maryland Automobile Insurance Fund (Maryland Auto / MAIF), the insurer of last resort, an independent state agency
- Notice and protest rights on a premium increase testedAt least 45 days' written notice before any increase in TOTAL premium - and 'increase in premium' is a defined term that includes a surcharge, retiering, and the REMOVAL OR REDUCTION OF A DISCOUNT. The 45-day notice is owed on any increase, but the right to a HEARING exists only for an increase of more than 15% for the entire policy. Unlike a § 27-613 cancellation protest, a premium-increase protest does NOT stay the increase.
- How an applicant qualifies for Maryland Auto (MAIF) testedOne of three routes in: a good-faith attempt rejected or refused by AT LEAST TWO Association members for a reason other than nonpayment; a cancellation or nonrenewal by an Association member for a reason other than nonpayment; or having been continuously UNINSURED FOR 12 MONTHS OR MORE, verified by a commercial third-party database or a State agency. If the applicant does not qualify, the policy is VOID and no commission is payable to the producer.
CE & Renewal 9 facts
Continuing education and renewal rules — the numbers the exam loves.
- How long a license lasts before renewal testedTwo years (biennial), expiring the last day of the producer's birth month
- What the renewal date keys off (flat term / birthday / birth year) testedBiennial, expiring on the last day of the producer's BIRTH MONTH (business-entity licenses expire two years from issuance)
- CE hours per renewal period, standard case tested24 hours of MIA-approved CE every two years (including 3 hours of ethics)
- CE hours if holding multiple license types (if different) tested24 total — holding multiple major lines does not multiply the requirement
- Ethics hours required per period tested3 hours of ethics, within the 24
- Limits on who may provide CE credits testedCourses must be approved by the Commissioner (CE is tracked through Sircon)
- What happens if CE is not completed (fine / expiry / cancellation) testedThe statutory deadline is 15 DAYS: a producer must complete the CE not later than 15 days before the licence expiration date. The MIA separately RECOMMENDS finishing 30 days out to absorb processing time, and providers have up to 10 days to report a completion - so both numbers circulate, but 15 days is the one in the Code.
- Late renewal / reinstatement tiers testedExpired less than 1 year: reinstate with the application, the $54 renewal fee, the $15 fraud-prevention fee, proof of CE and a $100 late/reinstatement fee. Expired more than 1 year: the licence cannot be renewed at all - the producer must PASS THE MARYLAND EXAM AGAIN and file an initial application.
- Any CE exemption (e.g. long-service agents) testedProducers age 70 or older as of April 30, 2013 are CE-exempt (Bulletin 13-07); producers who as of October 1, 2008 had held licenses 25+ consecutive years complete only 8 hours per period (Bulletin 13-10). No new qualifiers for these waivers.
Property 11 facts
Property insurance — rate regulation, residual markets, catastrophe exposure.
- Rate regulation system (file-and-use / prior approval / use-and-file) testedPRIOR APPROVAL (modified 'deemer') — a filed rate may not be used until 30 working days after filing (extendable another 30), and is deemed approved unless the Commissioner disapproves it. Rates must not be excessive, inadequate, or unfairly discriminatory.
- Is insurance credit scoring permitted in personal lines? testedPROHIBITED in homeowners — an insurer may not underwrite, cancel, nonrenew, rate, or set a payment plan for homeowners insurance based in whole or part on credit history. For AUTO, credit may be used only to RATE a NEW policy (with a 5-year limit and a ±40% cap), never to deny, cancel, or nonrenew.
- Does the state have a FAIR Plan? testedYES — the Maryland Property Insurance Availability Act provides essential property insurance through the Joint Insurance Association (JIA)
- Name of the FAIR Plan, if any testedThe Maryland Joint Insurance Association (JIA) — Maryland's FAIR Plan
- Dominant catastrophe perils in the state testedCoastal and Chesapeake Bay flooding and storm surge, hurricanes and tropical storms (wind and surge along the Atlantic and the Bay), winter storms, and severe thunderstorm wind
- What license you must already hold to write surplus lines testedPlacement must go through a licensed surplus lines broker (in addition to holding property and casualty authority)
- Is a diligent-effort search of the admitted market required first? testedYes - a diligent effort to place the risk with authorized insurers first, documented in the affidavit required by § 3-307. Maryland's rule is that the requirement is deemed met on declinations from THREE authorized insurers.
- Insurer claim clocks, property and casualty tested15 WORKING DAYS on four separate duties: acknowledge a claim unless payment is made in that period (B(10)); answer an MIA inquiry, or within the longer period the MIA specifies, whichever is greater (B(11)); affirm or deny coverage after receiving properly completed claim forms or other proofs of loss, unless Reg .04B applies or the policy sets its own limit (B(12)); and reply appropriately to written communications from a claimant (B(15)). If a first-party investigation is not complete, written notice of the actual reason must go out and repeat after each additional 45-day period.
- The duty nearly no other state imposes testedOn receiving a written claim from an unrepresented FIRST-PARTY claimant, the insurer must warn the claimant IN WRITING that there may be an applicable statute of limitations that could bar their rights.
- Must an insurer match undamaged siding or roofing? testedThere is no Maryland matching statute or regulation - this is bulletin law. The MIA's stated position is that 'the law does not require a replacement cost policy to ensure in every instance the replacement of all siding, including undamaged siding, in order to eliminate or minimize mismatching', but insurers MUST consider major differences in colour, texture or dimensions or risk administrative action.
- Is any homeowner coverage required to be offered? testedYES - an insurer issuing, selling or delivering a homeowner's policy must offer IN WRITING, at the time of application AND at each renewal, coverage for loss caused by water backing up through sewers or drains that is not caused by the insured's negligence. Telephone transactions get the offer by first-class mail tracking method within 7 CALENDAR DAYS; internet transactions get it before the application is submitted.
Guaranty 12 facts
The safety nets when an insurer fails — and their limits.
- Name of the life & health guaranty association testedMaryland Life and Health Insurance Guaranty Corporation
- Life death benefit limit tested$300,000
- Life cash surrender / withdrawal value limit tested$100,000 net cash surrender value
- Annuity benefit limit tested$250,000 present value of annuity benefits
- Health benefit limit tested$500,000 for health benefit plans (major medical); $300,000 for disability and for long-term care; $100,000 for other health coverages
- Aggregate per-individual cap, if any tested$300,000 aggregate per individual for all benefits combined, except $500,000 for health benefit plans
- Does the state follow the standard NAIC model limits? testedYes — standard NAIC model limits, with tiered health
- Name of the P&C guaranty association testedProperty and Casualty Insurance Guaranty Corporation
- Per-claim cap testedLess than $300,000 per covered claim (above a $100 deductible); workers' compensation claims are paid in FULL
- Is using the guaranty association as a sales inducement prohibited? testedYes — using the existence of the guaranty corporation to sell, solicit, or induce the purchase of insurance is prohibited
- Where the P&C caps actually sit in the statute testedIn the OBLIGATIONS section, Sec. 9-306(a)(2), not in the definition of 'covered claim' - and the wording is 'in excess of $100 and LESS THAN $300,000', a strict inequality. A $300,000 claim therefore pays $299,900. What DOES sit in the definitions is the net-worth exclusion at Sec. 9-301(d)(3), and it is narrower than it sounds: it removes a FIRST-PARTY claim by an insured whose net worth exceeded $50,000,000 on December 31 of the year before the insurer became insolvent, leaving a third party's claim against that insured covered. Surety bonds carry a separate $1,000,000 aggregate per bond.
- Where the life and health caps sit, and the LTC rider trap testedThe mirror image of the P&C placement: the L&H caps are in the POWERS section, § 9-407(k), and § 9-403 (coverage) carries no dollar figure. The wording is 'may not exceed' - a true ceiling, with no $100 deductible. A LONG-TERM CARE RIDER on a life policy or annuity is capped as the BASE contract type, not as long-term care.
Workers Comp 7 facts
Who must carry workers' compensation and what it pays.
- Is workers' compensation mandatory for private employers? testedYes — each employer must secure compensation for all covered employees
- Employee count at which coverage is required testedCoverage attaches with the first covered employee — Maryland sets no numeric employee minimum in § 9-402
- Agency administering workers' compensation testedThe Maryland Workers' Compensation Commission
- Temporary total disability wage replacement rate testedTwo-thirds (66⅔%) of the average weekly wage, capped at the State Average Weekly Wage (with a $50 floor)
- Deadline to file a claim testedGive the employer notice within 10 days of the injury (30 days for a death), and file a claim within 60 days of the accidental injury — absolutely barred after 2 years
- Ways an employer may comply (insure / self-insure / group) testedBuy a policy from an authorized carrier (including Chesapeake Employers' Insurance), qualify as an individual self-insurer, or join an approved self-insurance group
- Waiting period before temporary total disability is payable tested3 CALENDAR DAYS where the disability lasts 14 days or less - and if the employee was not paid for the day of injury, that day counts as one of the 3. If the disability lasts MORE THAN 14 days, compensation is allowed from the day of disability. Exactly 14 days does not trigger the retroactive payment.
Regulator 9 facts
Who regulates insurance here and what powers the office holds.
- Name of the state insurance regulator testedThe Maryland Insurance Administration (MIA)
- Title of the person who heads it testedInsurance Commissioner
- How the commissioner is chosen: elected / appointed by governor / appointed by other body testedAPPOINTED by the Governor with the advice and consent of the Senate, to a four-year term — not elected
- Where the state's insurance law is codified testedThe Insurance Article of the Annotated Code of Maryland (the Insurance Code), with regulations in Title 31 of the Code of Maryland Regulations (COMAR)
- Does the regulator sit somewhere unusual (e.g. inside a constitutional commission)? testedNo — a conventional insurance regulator, but an INDEPENDENT state agency whose Commissioner is appointed by and reports directly to the Governor (not a division of a larger department)
- How rebating is prohibited, and for whom testedTwo sections split by line, sharing the same $50 threshold for educational or promotional materials and merchandise. § 27-209 covers LIFE, HEALTH AND ANNUITIES. § 27-212 covers everything else - its subsection (a) expressly says it 'does not apply to life insurance, health insurance, and annuities'. Only the P&C section penalises the INSURED who knowingly receives or accepts a rebate.
- Administrative penalties, and what they attach to tested$100 to $5,000 per violation against a PRODUCER, in place of or in addition to suspension or revocation (§ 10-126(c)); $100 to $125,000 per violation against an INSURER holding a certificate of authority (§ 4-113(d)(1)); $2,500 per violation of the single-act unfair claim practices in § 27-303, rising to $125,000 for a bad-faith first-party P&C violation (§ 27-305(a)). Restitution orders under §§ 10-126(d) and 27-305(c) are not penalties and carry no ceiling.
- The two 30-day producer reporting clocks testedBoth are 30 days but they start at different events. An adverse ADMINISTRATIVE action must be reported within 30 days after FINAL DISPOSITION. A CRIMINAL prosecution must be reported within 30 days after the producer's INITIAL APPEARANCE before a court - not the charge, and not the conviction. Misdemeanour violations of the Maryland Vehicle Law or another jurisdiction's vehicle law are exempt from the criminal clock.
- The producer premium trust-account rule testedA producer that does not make PROMPT REMITTANCE of premium must hold it in a premium account separate from any operating or personal account - Maryland sets NO numeric remittance deadline. Withdrawals are limited to six enumerated purposes; bank interest may be moved to an operating account only with the carrier's WRITTEN consent, and average-commission withdrawals require a letter from each carrier on file at all times stating the average commission percentage.
Cancellation 10 facts
When and how policies can be canceled or nonrenewed — heavily tested.
- Initial window during which an insurer may cancel more freely tested45 days — the statutory cancellation restrictions do not apply during the first 45 days a new policy is in effect
- Notice days to cancel a homeowners policy inside the initial window testedAt least 45 days' notice to cancel a homeowners policy for an allowed cause (10 days for nonpayment of premium)
- Notice days to cancel a personal auto policy inside the initial window testedAt least 45 days' notice to cancel or nonrenew a private passenger auto policy, and the notice must go BY CERTIFIED MAIL. Other actions under the section (including a reduction in coverage) go by a first-class mail tracking method - the mail method differs by action type, which §§ 27-602 and 27-603 do not do.
- Notice days for cancellation for nonpayment testedAt least 10 days' notice for cancellation for nonpayment of premium (auto and homeowners)
- Notice days for cancellation for other permitted causes testedAt least 45 days for cancellation for other permitted causes (auto and homeowners)
- Notice days required for nonrenewal testedAt least 45 days' notice before nonrenewal (auto and homeowners)
- Must the reason be stated proactively, on request, or not at all? testedYes - the insurer must state the ACTUAL reason with specified minimum detail (driver name and date for an accident, a description of each claim for claims history). The statute names the phrases that will not do: 'personal habits', 'living conditions', 'poor morals', or 'violation or accident record'. At a hearing the INSURER bears the burden and may rely only on the reasons set out in its notice.
- Restrictions on nonrenewing because of claims (e.g. weather claims excluded) testedHomeowner's: a weather-related claim is presumptively unusable, with TWO INDEPENDENT ROUTES past it. Under Sec. 27-501(i)(1) an insurer may combine one with other factors where there were 3 or more weather-related claims in the preceding 3 years. Under Sec. 27-501(i)(2), separately, it may consider weather claims REGARDLESS OF THE COUNT where it sent a repair notice the insured failed to act on - which COMAR requires to have followed an inspection and to have been mailed at least 60 days before the weather event. Auto: no cancellation or nonrenewal on claims history where 2 or fewer claims in the preceding 3 years were for losses the insured was NOT AT FAULT for; 'not at fault' is not a defined term.
- Which section governs which line testedThe numbering scatters by line and adjacent numbers are different subjects. § 27-602 is PERSONAL insurance; § 27-603 is COMMERCIAL; § 27-613 is PRIVATE PASSENGER AUTO; and § 27-614 is a premium INCREASE, a different subject entirely. § 27-601(c)(2) expressly routes motor vehicle liability policies, MAIF policies, Joint Insurance Association policies and surety out of 'personal insurance'.
- The exclusive midterm cancellation grounds testedMaterial misrepresentation or fraud in connection with the application, the policy, or the presentation of a claim; a matter or issue related to the risk that constitutes a THREAT TO PUBLIC SAFETY; a change in the condition of the risk resulting in an increase in the hazard insured against; and nonpayment of premium. Homeowner's adds CONVICTION OF ARSON; commercial and auto add revocation or suspension of a driver's licence or vehicle registration for driving-record reasons.
Licensing 20 facts
How you get and keep the license — exams, fees, applications, background checks.
- Is there a standalone life license/exam? testedYes — a Life line, taken as an individual exam or in the combined Life/Accident & Health exam
- Is there a standalone health license/exam? testedYes — a Health (Accident & Health or Sickness) line, taken as an individual exam or in the combined Life/Accident & Health exam
- Is there a combined life+health license/exam? testedYes — Maryland offers a combined Life and Accident & Health exam (as well as individual Life and Health exams)
- Is there a personal lines license/exam? testedYes — a Personal Lines line for those who do not want a full Property & Casualty authority
- Is P&C one combined license, or split into Property and Casualty? testedBoth — Maryland licenses Property and Casualty as SEPARATE lines of authority, each with its own exam, AND offers a COMBINED Property/Casualty exam, plus a narrower Personal Lines line.
- Does the life license cover annuities? testedYes — annuities are sold under the Life line. Variable Life and Annuity is a separate line requiring the Life license plus FINRA registration.
- Does the P&C license already include personal lines authority? testedYes — a full Property & Casualty authority covers personal-lines risks; the Personal Lines line is a narrower subset
- Full list of exam-based agent license types testedOne Maryland producer license listing any of six major lines of authority: Life · Health · Property · Casualty · Personal Lines · Variable Life and Annuity Products
- Exam administrator (Prometric / PSI / Pearson VUE) testedPrometric - at a Prometric test centre or through ProProctor remote proctoring, both currently offered for Maryland
- Exam fee tested$62 per exam (see the current Prometric Maryland schedule)
- License application fee tested$54 for the resident producer license (Insurance Article § 2-112). Renewal is $69 ($54 renewal + $15 fraud-prevention fee).
- Passing score tested70%
- Minimum age to be licensed tested18
- Is pre-licensing education required? testedNO — Maryland REPEALED its pre-licensing education requirement effective October 1, 2024 (HB 265 / SB 336; MIA Bulletin 24-19). Only the Prometric exam is required.
- Pre-licensing hours and any exceptions (e.g. Title, adjusters) testedNone — no pre-licensing course is required (repealed effective October 1, 2024; formerly 20 classroom hours per line). Candidates study the Prometric content outlines and sit the exam directly.
- Fingerprints, state police report, or none testedBackground review runs through the Uniform Application's disclosure questions, with written statements and court documents required for any 'yes' answer. Maryland publishes NO fingerprint step for a resident producer licence - the MIA fee schedule itemises every other fee and carries no fingerprint line, and neither the Prometric bulletin nor NIPR's Maryland page mentions one.
- Waiting period before retaking a failed exam testedAt least 4 days before retaking the same exam
- Where you apply (Sircon / NIPR / state portal) testedNIPR (nipr.com); a paper NAIC Uniform Application may also be mailed to the MIA
- Are temporary licenses available? testedYes - a temporary licence issued WITHOUT REGARD TO THE EXAMINATION REQUIREMENTS to the surviving spouse, next of kin, personal representative or appointee of a DECEASED producer; the spouse, next of kin, employee or legal guardian of a MENTALLY OR PHYSICALLY DISABLED producer; or an employee or officer of that producer's firm or corporation.
- Temporary license duration and training requirement testedExpires 15 MONTHS after its effective date - unusually long, and Ins. Sec. 10-120 provides no extension or renewal. No exam and no education are required. The Commissioner must issue or refuse in writing within 30 days of the application. A $27 fee limited to Maryland residents appears on an older MIA fee sheet; the CURRENT MIA licence fee schedule carries no temporary-licence row at all, so confirm the fee with MIA licensing.