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In Maryland, which agency regulates insurance producers and insurers for life and health insurance?

Maryland Insurance Administration (MIA)

Maryland Department of Labor

Office of the Attorney General Consumer Division

Maryland State Department of Assessments and Taxation

to track

2026 Statistics

Key Facts: MD Life & Health Exam

140

Delivered Questions

Prometric MD 20-30 outline

130 + 10

Scored + Unscored Split

Prometric MD 20-30 outline

150 min

Exam Time

Prometric MD 20-30 outline

70%

Passing Score

Prometric Maryland FAQ

$60

Exam Fee

Prometric Maryland FAQ

30%

Regulation Weight

Prometric MD 20-30 outline

Maryland series 20-30 is 140 delivered questions (130 scored + 10 unscored) in 150 minutes with a 70% passing standard and a $60 exam fee. Official weighting puts 30% of scored questions in Insurance Regulation, so licensing law, appointments, reporting duties, unfair practices, and producer conduct are high-impact domains. Maryland also repealed pre-licensing education for exam-required producer lines effective October 1, 2024 (MIA Bulletin 24-19).

Sample MD Life & Health Practice Questions

Try these sample questions to test your MD Life & Health exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1In Maryland, which agency regulates insurance producers and insurers for life and health insurance?

A.Maryland Insurance Administration (MIA)

B.Maryland Department of Labor

C.Office of the Attorney General Consumer Division

D.Maryland State Department of Assessments and Taxation

Explanation: The Maryland Insurance Administration is the state regulator for insurance licensing and market oversight. It handles producer regulation, enforcement actions, and consumer protection within insurance. Other state agencies may have related roles, but they do not serve as the primary insurance regulator.

2What is the format of Maryland's combined Life & Health producer exam series 20-30?

A.130 scored questions plus 10 unscored questions in 2.5 hours

B.120 scored questions plus 10 unscored questions in 2 hours

C.130 scored questions with no unscored questions in 2 hours

D.100 scored questions plus 20 unscored questions in 3 hours

Explanation: Maryland's combined life and health exam is structured with 130 scored items and 10 unscored items. Candidates receive 2.5 hours to complete the exam. Knowing the tested and unscored breakdown helps with pacing strategy.

3What is the minimum passing score for the Maryland Life & Health producer exam?

A.65%

B.70%

C.75%

D.80%

Explanation: Maryland uses a 70% passing standard for this producer exam. Scores below that threshold do not pass even if close. Candidates should aim above the minimum to reduce retake risk.

4What is the Maryland Life & Health producer exam fee per attempt according to the Prometric FAQ?

A.$45

B.$60

C.$75

D.$90

Explanation: The Prometric FAQ lists the exam fee as $60 per attempt for the Maryland combined life and health exam. The fee applies each time a candidate sits for the exam. Applicants should budget for potential retakes.

5What changed effective October 1, 2024 for Maryland producer applicants in exam-required lines?

A.The minimum age increased from 18 to 21

B.The passing score increased from 70% to 75%

C.The pre-licensing education requirement was repealed

D.Appointments were eliminated for resident producers

Explanation: MIA Bulletin 24-19 states that pre-licensing education for exam-required producer licenses was repealed effective October 1, 2024. Candidates still must pass the licensing exam and meet all other legal requirements. This change removed a pre-exam education mandate, not the exam itself.

6Under Maryland Insurance Article 10-103, what is the minimum age to be licensed as an insurance producer?

A.16

B.18

C.19

D.21

Explanation: Maryland requires producer applicants to be at least 18 years old. This is a baseline eligibility rule in statute. Passing the exam does not waive age requirements.

7A Maryland producer changes legal name and email address. Within what timeframe must the changes be reported?

A.Within 10 days

B.Within 15 days

C.Within 30 days

D.Within 60 days

Explanation: Maryland law requires reporting name, address, and email changes within 30 days. This keeps licensing and regulatory records current. Late reporting can create compliance problems during audits or enforcement reviews.

8Which statement correctly describes standard Maryland producer license renewal timing and fee?

A.Renewal is every 3 years in January for $54 total

B.Renewal is on a birth-month cycle with a $69 fee ($54 + $15 fraud assessment)

C.Renewal is annual on December 31 for $69

D.Renewal is every 2 years on July 1 for $54

Explanation: Maryland renews producer licenses on a birth-month cycle. The stated renewal total is $69, consisting of a $54 fee plus a $15 fraud assessment. Producers should track birth-month deadlines closely to avoid lapse.

9If a Maryland producer seeks reinstatement within one year after a lapse, what additional fee applies?

A.No additional fee

B.$50 additional fee

C.$100 additional fee

D.$150 additional fee

Explanation: Maryland allows reinstatement within one year but requires an additional $100 reinstatement fee. This is in addition to other applicable renewal-related amounts. Reinstatement is generally more expensive than renewing on time.

10What is Maryland's baseline continuing education requirement for resident producers?

A.24 hours every 2 years, including 3 hours of ethics

B.20 hours every year, including 2 hours of ethics

C.30 hours every 2 years, including 6 hours of ethics

D.15 hours every 2 years with no ethics requirement

Explanation: Maryland's baseline CE standard is 24 hours every two years, including 3 ethics hours. Ethics is not optional within the total. Producers should confirm completed courses are approved for Maryland CE credit.

About the MD Life & Health Exam

Maryland's combined Life and Accident & Health producer exam (series 20-30) tests national life/health fundamentals plus Maryland producer regulation, state law, and ethics-driven compliance topics.

Questions

140 scored questions

Time Limit

2 hours 30 minutes

Passing Score

70%

Exam Fee

$60 (Maryland Insurance Administration / Prometric)

MD Life & Health Exam Content Outline

30%

Maryland Insurance Regulation

MIA authority, producer licensing/appointments, reporting deadlines, CE, unfair trade practices, and discipline rules

33%

Life and Annuity Knowledge

Life basics, policy types/provisions, annuity concepts, qualified plans, and related tax treatment

25%

Health Insurance Knowledge

Health policy concepts, disability income, medical plans, group coverage, and senior/special-needs topics

12%

Federal and Senior-Market Topics

Medicare-related standards, federal overlays, and compliance-sensitive product guidance

How to Pass the MD Life & Health Exam

What You Need to Know

Passing score: 70%
Exam length: 140 questions
Time limit: 2 hours 30 minutes
Exam fee: $60

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

MD Life & Health Study Tips from Top Performers

1Lead with regulation because it is the largest weighted Maryland domain

2Memorize producer compliance deadlines, especially reporting and appointment-related rules

3Drill replacement, annuity, Medicare supplement, and disability/LTC scenarios with Maryland law context

4Run full 150-minute simulations to calibrate pacing for 140 delivered items

5Tag misses by official blueprint domain so remediation matches weighted priorities

6Treat ethics and producer-conduct questions as primary scoring opportunities, not afterthoughts

Frequently Asked Questions

How many questions are on Maryland Life & Health series 20-30?

Prometric's Maryland outline lists 140 delivered questions: 130 scored and 10 unscored pretest items. The total seat time is 150 minutes.

What is the Maryland passing score?

Maryland uses a 70% passing score for the combined Life and Accident & Health producer exam. Building a buffer above 70% in practice is the safest strategy.

What is the current Maryland exam fee?

Prometric lists a $60 exam fee per attempt for series 20-30. Retakes require a new reservation and fee payment.

Did Maryland remove pre-licensing education?

Yes. MIA Bulletin 24-19 confirms pre-licensing education for exam-required producer licenses was repealed effective October 1, 2024.

Which Maryland domain has the highest exam weight?

Insurance Regulation is weighted at 30%, the largest domain in the official outline. Prioritize producer law, appointments, unfair practices, and compliance duties.

What Maryland compliance update matters in 2026?

MIA Bulletin 26-3 (January 30, 2026) clarified expectations for for-cause appointment termination reporting, including timing and supporting documentation workflow.