Maryland Life & Health Insurance License Exam Overview
The Maryland Life & Health Insurance License Exam is administered by Prometric on behalf of the Maryland Insurance Administration (MIA). Maryland offers a sophisticated market with Maryland Health Connection, the state-based exchange, and proximity to DC federal workforce.
Exam Format at a Glance
| Component | Details |
|---|---|
| Total Questions | 130 multiple-choice |
| Time Limit | 3.5 hours |
| Passing Score | 70% (91 correct answers) |
| Testing Vendor | Prometric |
| Exam Fee | $62 |
| Pre-licensing Education | Not required |
Why Get Licensed in Maryland?
- State exchange — Maryland Health Connection
- DC proximity — Federal employee market
- Wealthy suburbs — High net worth clients
- Growing population — Baltimore-DC corridor
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Key Topics Covered on the Exam
Life Insurance (30%)
| Feature | Maryland Standard |
|---|---|
| Grace Period | 31 days |
| Incontestability | 2 years |
| Free Look | 10 days |
Health Insurance (30%)
- Maryland Health Connection (state exchange)
- Maryland Medicaid
- Maryland Children's Health Program
Maryland Insurance Regulations (15%)
- Maryland Insurance Article
- MIA authority
- Producer licensing
| Topic | Maryland Requirement |
|---|---|
| Pre-licensing | Not required |
| CE requirement | 24 hours/2 years |
| Passing score | 70% |
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