How This Guide Maps to the Maryland Life & Health Exam
Key Takeaways
- The Maryland Life & Health producer exam is a single Prometric combined test blending a large General (national) portion with a smaller Maryland-law (state) portion.
- The combined exam delivers 140 items (130 scored + 10 pretest) in 150 minutes; the passing standard is 70% correct (about 91 of 130).
- Chapters 1-18 cover the national content outline line by line, while the final five chapters cover Maryland statutes, licensing, and conduct rules.
- The national portion is roughly four-fifths of scored items, so it should receive about four-fifths of study time; you cannot pass on Maryland law alone.
- This coverage map is a navigation and orientation tool with no quiz, usable as a pre-study diagnostic, a pacing planner, and a final-week checklist.
How to Use This Standalone Coverage Map
The Maryland Life & Health producer exam is a one-part combined test: a large General (national) portion blended with a smaller State (Maryland law) portion in a single Prometric seating. This guide is built to mirror that structure exactly. The first eighteen chapters cover the national content outline line by line; the final five chapters cover Maryland-specific statutes, licensing, and conduct rules.
This page is a navigation and orientation tool, not a content lesson — it carries no quiz. Use it three ways: (1) as a pre-study diagnostic, skimming each blueprint row to find unfamiliar topics; (2) as a pacing planner, since the national portion is roughly four-fifths of scored items and deserves four-fifths of your study time; and (3) as a final-week checklist, confirming you can explain every row before test day.
Exam Weighting at a Glance
Maryland uses Prometric content outlines. On the combined exam there are 130 scored items plus 10 unscored pretest items (140 delivered) in 150 minutes, and the passing standard is a flat 70% correct (about 91 of 130). Life-only and Health-only exams each deliver 90 items (80 scored) in 105 minutes.
Because both portions are scored together, you cannot pass on Maryland law alone — the General portion dominates. The map below tells you which chapter answers each blueprint area so you never wonder where a topic lives.
National (General) Portion → Chapter Map
| Blueprint area | Where it lives in this guide |
|---|---|
| Insurance principles: risk, hazards, perils, Law of Large Numbers, insurable interest, indemnity, adverse selection | Ch. 1 (lhnat-1-*) |
| Insurance contracts & marketplace: provisions/riders/endorsements, producer authority, insurer types, field underwriting | Ch. 2 (lhnat-2-*) |
| Life basics & term: purpose/uses, mortality/interest/reserves, term types | Ch. 3 (lhnat-3-*) |
| Whole & universal life: cash value, limited-pay/single/modified, UL Option A/B, indexed UL | Ch. 4 (lhnat-4-*) |
| Variable & specialized life: variable/VUL securities, joint/survivorship/juvenile/final expense, group life, industrial/credit | Ch. 5 (lhnat-5-*) |
| Life policy provisions: grace/reinstatement/incontestability, beneficiaries, settlement options, loans/assignment | Ch. 6 (lhnat-6-*) |
| Options, riders, dividends, nonforfeiture: dividend options, nonforfeiture options, living-benefit/disability riders, insured/beneficiary/term riders | Ch. 7 (lhnat-7-*) |
| Underwriting, delivery & group life: risk classification/MIB, application/premium/delivery, group underwriting & conversion | Ch. 8 (lhnat-8-*) |
| Annuity fundamentals & types: parties/accumulation, fixed/indexed/variable, immediate/deferred, uses/suitability | Ch. 9 (lhnat-9-*) |
| Annuity payouts & taxation of life/annuities: payout options & exclusion ratio, life taxation/MEC, annuity LIFO/1035 | Ch. 10 (lhnat-10-*) |
| Qualified plans: qualified vs. nonqualified/ERISA, IRAs/Roth/RMDs, 401(k)/403(b)/SEP/SIMPLE | Ch. 11 (lhnat-11-*) |
National (General) Portion → Chapter Map, continued
| Blueprint area | Where it lives in this guide |
|---|---|
| Health basics & medical expense: concepts/cost-containment, HMO/PPO/POS/EPO/HDHP, basic/major medical, group vs. individual | Ch. 12 (lhnat-12-*) |
| Health provisions & group health: mandatory/optional uniform provisions, renewability/pre-existing, COBRA/HIPAA | Ch. 13 (lhnat-13-*) |
| Disability income: definitions/elimination/benefit periods, individual riders, business DI, Social Security coordination | Ch. 14 (lhnat-14-*) |
| Long-term care & other health: LTC levels/triggers, LTC provisions/inflation/partnership, dental/vision/limited | Ch. 15 (lhnat-15-*) |
| Medicare & supplements: Parts A/B, Part C/D, Medigap standardized plans & enrollment | Ch. 16 (lhnat-16-*) |
| Medicaid, ACA & health taxation: Medicaid/government programs, ACA EHBs/marketplaces/subsidies, health taxation | Ch. 17 (lhnat-17-*) |
| Regulation, licensing & ethics: state regulation/McCarran-Ferguson/NAIC, licensing/appointment/CE, unfair trade/claims, replacement/suitability/fiduciary | Ch. 18 (lhnat-18-*) |
If any single row feels unfamiliar, that chapter is your highest-leverage study target. The national portion supplies the large majority of scored items, so master these eighteen chapters first.
Maryland (State) Portion → Chapter Map
| Maryland blueprint area | Where it lives in this guide |
|---|---|
| Exam logistics, lines of authority, scoring | Introduction (exam-overview) |
| Maryland regulation & licensing: MIA powers, producer licensing requirements, license maintenance & CE | State Ch. 1 (maryland-regulatory-agencies, maryland-producer-licensing, maryland-license-maintenance) |
| Maryland life laws: policy requirements (free-look, grace), annuity regulations, replacement rules | State Ch. 2 (maryland-life-policy-requirements, maryland-annuity-regulations, maryland-replacement-rules) |
| Maryland health laws: policy requirements & mandated benefits, Medicare supplement rules, disability/LTC rules | State Ch. 3 (maryland-health-policy-requirements, maryland-medicare-supplement, maryland-disability-ltc) |
| Maryland ethics & prohibited practices: unfair trade practices, producer conduct/fiduciary duties, Guaranty Corporation | State Ch. 4 (maryland-unfair-practices, maryland-producer-conduct, maryland-guaranty-corporation) |
Maryland law often mirrors the NAIC model acts the national portion teaches, then adds state-specific numbers — free-look days, CE hours, continuation periods, and replacement notice timing. When a state rule differs from the national default, this guide flags it explicitly so you do not carry a national habit into a Maryland question.
A Suggested Study Sequence
- Read the Introduction to lock in format, timing, and the 70% standard.
- Work Chapters 1–11 (life and annuities) if pursuing the Life line; Chapters 12–17 (health) if pursuing Accident & Health; both for the combined exam.
- Study Chapter 18 (national regulation/ethics) immediately before the Maryland chapters — the two reinforce each other because Maryland adopts NAIC models.
- Finish with the five Maryland chapters, memorizing every state-specific number.
- Return to this map and confirm you can teach each row aloud. Any row you cannot explain is a re-study target before you schedule with Prometric.
Keep this orientation page bookmarked: it is the fastest way to jump from a missed practice question back to the exact section that fixes the gap.