Maryland Producer Licensing Requirements

Maryland has specific requirements for obtaining Life and Health insurance licenses.

Pre-License Education Requirements

NO Pre-License Education Required (Since October 2024)

Maryland NO LONGER requires pre-license education as of October 1, 2024:

Key Points:

• Pre-licensing education requirement was repealed effective October 1, 2024
• Prior to this change, Maryland required 20 hours per line of authority
• Exam preparation courses are strongly recommended but not mandatory
• You can proceed directly to scheduling your exam

IMPORTANT: This is a recent change! Before October 1, 2024, Maryland required 20 hours of pre-license education per line (40 hours for combined Life & Health). This requirement no longer exists.

Examination Requirements

The Maryland insurance licensing examination uses a one-part exam format (since October 2021):

Exam Content

The one-part exam covers:

1. General Insurance Knowledge - Principles and concepts
2. Life Insurance - Products, features, policy options
3. Accident & Health Insurance - Individual and group plans
4. Maryland Insurance Regulations - State-specific requirements
5. Federal Tax Considerations - Tax treatment of life insurance and annuities

Examination Process

Scheduling the Exam

1. Prepare using exam prep materials (strongly recommended)
2. Schedule exam through Prometric
   • Online at prometric.com/exams/mia
   • Phone: (800) 741-9380
3. Choose testing option:
   • Prometric testing center (in-person)
   • ProProctor online proctored exam (at home)

Exam Day Requirements

What to Bring (In-Person):

• Two valid forms of government-issued ID
• One must contain your name AND photograph
• Examples: Driver's license, passport, military ID

Online Testing (ProProctor):

• Secure, private testing environment
• Webcam and microphone required
• Valid photo ID
• Reliable internet connection

Testing Rules:

• Arrive 30 minutes early (in-person)
• No cell phones or electronic devices
• No personal items at testing station
• Results provided immediately after completion

Application Process

After passing the exam:

Application Steps

1. Pass exam with 70% or higher
2. Apply through NIPR within 6 months of passing
3. Pay license fee - $54 application fee + $5.60 transaction fee
4. Await approval - Background check review

Application Timeline

• Exam scores valid for 6 months
• Must submit application within 6 months of passing
• If you don't apply within 6 months, you must retake the exam

Qualifications

To obtain a Maryland insurance license, you must:

• Be at least 18 years of age
• Be a resident of Maryland (for resident license)
• Pass the licensing examination with 70% or higher
• Submit completed application through NIPR
• Pay applicable fees
• Have no disqualifying criminal history

Lines of Authority