Maryland

Maryland Insurance Prelicensing Requirements
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How to Obtain a Maryland Insurance License

Becoming a licensed insurance agent in Maryland requires completing several essential steps, including prelicensing education, passing the state exam, applying for your license, and fulfilling continuing education requirements. This guide outlines each step in detail to help you navigate the licensing process efficiently.

Step 1: Fulfill Prelicensing Education Requirements

Before taking the Maryland insurance licensing exam, you must complete a prelicensing education course.

Key Notes:

  • Prelicensing courses are available online and may include web classes, study manuals, and flashcards.
  • Your prelicensing course must be completed before attempting the state exam.

Step 2: Pass the Licensing Exam

Once you complete the prelicensing education, you must pass the Maryland insurance licensing exam.

Exam Details:

  • Administered by Prometric.
  • Register online at Prometric or call (800) 610-1174.
  • Exams are computer-based and multiple-choice.
  • A 70% or higher score is required to pass.
  • Test results are provided immediately after completion.

Exam Length & Question Breakdown:

Exam TypeTime LimitNumber of Questions
Life Producer Exam1 hr 45 min90
Accident/Health or Sickness Producer Exam1 hr 45 min90
Life/Accident/Health or Sickness Producer Combo Exam2 hrs 30 min140
Property Producer Exam1 hr 45 min90
Casualty Producer Exam1 hr 45 min90
Property/Casualty Producer Combo Exam2 hrs 30 min130
Personal Lines Exam2 hrs 15 min110
Public Adjuster Exam1 hr 30 min60

Exam Policies:

  • Arrive 30 minutes early at the testing center.
  • Bring a valid government-issued photo ID.
  • No personal items (phones, watches, calculators, etc.) are allowed in the testing room.
  • Remote exams are available using ProProctor. Candidates must test their equipment compatibility before scheduling.

Step 3: Apply for Your Insurance License

After passing the state exam, you must apply for your Maryland insurance license through the National Insurance Producer Registry (NIPR) at www.nipr.com.

Application Process:

  • Submit your application via NIPR and pay the required fee.
  • Application fees are nonrefundable.

Step 4: Maintain Your License with Continuing Education (CE)

To keep your Maryland insurance license active, you must complete continuing education (CE) every two years.

CE Requirements:

  • 24 hours of CE required for most license types, including 3 hours of ethics training.
  • Nonresident agents must comply with their home state’s CE requirements.
  • Additional CE requirements apply for those selling long-term care insurance or annuities.

For the latest CE updates, visit the Maryland Insurance Administration website.

Frequently Asked Questions (FAQs)

Where can I take the Maryland licensing exam?

  • Exams can be taken in-person at Prometric testing centers or remotely via ProProctor.

How do I schedule my licensing exam?

  • You can schedule your exam through Prometric by visiting their website or calling (800) 610-1174. Exam fees must be paid at the time of reservation.

What happens if I fail my exam?

  • You can reschedule immediately, but must wait 4 days before retaking the exam. Review your diagnostic report and use additional study materials to improve your score before retaking the exam.

What entity oversees licensing in Maryland?

  • The Maryland Insurance Administration (MIA) manages agent licensing, renewals, and continuing education. For inquiries, call (410) 468-2000.

Contact Information

Maryland Insurance Administration:

Prometric:

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Take the first step toward your Maryland insurance career by enrolling in a state-approved prelicensing course today.

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Disclaimer

The information provided here is based on current Maryland state regulations and may be subject to updates. We strive for accuracy but recommend verifying requirements with the Maryland Insurance Administration for the latest licensing details.