Key Takeaways
- Maryland insurance licenses must be renewed every 2 years (biennial cycle)
- Renewal requires 24 hours of continuing education, including 3 hours of ethics
- CE must be completed BEFORE submitting renewal application
- Licenses expire on the last day of the birth month, every other year
- Address and name changes must be reported within 30 days
Last updated: January 2026
License Maintenance and Continuing Education
Maryland insurance licenses require ongoing maintenance through continuing education and timely renewal.
License Terms and Renewal
Biennial Renewal System
| Item | Requirement |
|---|---|
| License Term | 2 years (biennial) |
| Renewal Fee | $54 per application |
| Expiration | Last day of birth month, every other year |
| CE Completion | Must complete BEFORE renewal |
Renewal Timeline
- Licenses expire on the last day of the birth month
- Renewal due every 2 years (even or odd years based on initial license)
- Complete all CE requirements before submitting renewal
- Apply through NIPR
Continuing Education Requirements
Maryland requires 24 hours of CE every 2 years:
CE Breakdown
| Requirement | Hours |
|---|---|
| Total CE Hours | 24 |
| Ethics (required) | 3 |
| Electives | 21 |
CE Requirements by License Type
| License Type | CE Hours | Ethics |
|---|---|---|
| Life | 24 hours | 3 hours |
| Accident & Health | 24 hours | 3 hours |
| Property | 24 hours | 3 hours |
| Casualty | 24 hours | 3 hours |
| Personal Lines | 24 hours | 3 hours |
Exam Tip: CE hours may be obtained from classroom, correspondence, or online courses approved by the Commissioner. Make sure your CE is completed BEFORE you submit your renewal application.
CE Course Requirements
- Must be completed at MIA-approved providers
- Online and classroom options available
- Cannot repeat same course within the compliance period
- CE must be completed BEFORE license renewal
- CE credits reported electronically by providers
Special Training Requirements
Limited Lines Credit Insurance (Effective October 1, 2025):
- Additional training required for limited lines credit insurance producers
- Must complete Commissioner-approved program of instruction
- Provided by insurer selling limited line credit insurance
- Both resident and nonresident producers affected
Renewal Process
Steps to Renew
- Complete 24 hours of CE (including 3 hours ethics)
- Log into NIPR at nipr.com
- Verify CE completion is recorded
- Submit renewal application
- Pay renewal fee ($54)
Failure to Renew
| Timing | Consequence |
|---|---|
| Before expiration | Normal renewal |
| After expiration | License lapses |
| Lapsed license | Must apply for new license |
Reporting Requirements
Maryland producers must notify MIA of changes within 30 days:
Required Notifications
- Change of business address
- Change of residence address
- Change of name
- Administrative actions by other states
- Criminal charges or convictions
How to Report
- Update through NIPR online portal
- Or submit in writing to MIA
- Failure to report is a violation
Disciplinary Actions
MIA can take disciplinary action against licensees for violations:
Grounds for Discipline
- Violating insurance laws or regulations
- Fraudulent or dishonest practices
- Misappropriation of funds
- Misrepresentation to clients
- Failure to maintain CE requirements
- Failure to report required information
- Criminal conviction
- Unfair trade practices
Types of Discipline
| Action | Description |
|---|---|
| Warning | Minor first offense |
| Probation | License continues with conditions |
| Fine | Monetary penalty |
| Suspension | Temporary loss of license |
| Revocation | Permanent loss of license |
License Status Types
| Status | Meaning |
|---|---|
| Active | License current and in good standing |
| Inactive | Not actively selling (voluntary) |
| Expired | License term ended, not renewed |
| Suspended | Temporary disciplinary action |
| Revoked | License permanently cancelled |
| Cancelled | Voluntarily surrendered |
Non-Resident Licensing
Maryland has reciprocity with most states:
- Non-residents with active home state license can apply
- Same lines of authority as home state
- No exam required if home state license is current
- Must maintain home state license in good standing
- Apply through NIPR
Test Your Knowledge
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When must CE be completed for Maryland license renewal?
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