on this page, you will find all the state specific information for insurance licensing in the state of maryland. this information refers to applicants for residence licenses. For additional resident license information, or for nonresident license information, see the Maryland Insurance Administration website at www.mdinsurance.state.md.us. information is subject to change and we will do our best to make the process of completing the educational requirements for licensing as simple as possible.
maryland insurance administration
producer license200 st. paul place, suite 2700 baltimore, md 21202phone: 888-204-6198fax: 410-468-2399website: www.mdinsurance.state.md.usemail: email via state website
how to get your maryland insurance license
1. complete a maryland insurance prelicensing course
maryland requires those seeking an insurance license to complete the pre-licensing before taking the state licensing exam. prelicensing courses with kaplan give you the best chance of passing – our pass rates are among the highest in the industry.
Pre-licensing education hour requirements
- life: 20 hours
- accident and health: 20 hours
- property: 20 hours
- low: 20 hours
- personal lines: 20 hours
- property or claim: aai, arm, cic, cpcu®
- life: clu®, cebs, chfc®, cic, cfp®, flmi, lutcf, member of the society of actuaries
- health: rhu, zebs, hia, rebc
- The education provider provides confirmation of eligibility to prometric once the applicant successfully completes the course requirements.
- Your education provider will indicate your eligibility for prometric upon successful completion of the course requirements.
- After your provider has submitted your file to prometric, you can visit www.prometric.com or call 1-800-741-9380 to register and schedule your exam. Please note that if prometric does not have a record of your course completion, you should contact your education provider.
- Eligibility period from completion of the pre-licensing course to successful passing of both parts of the maryland licensing exam:
- Currently, candidates have a one (1) year eligibility period from completion of the prelicensing course through successful completion and passing of both parts of the maryland licensing exam. Effective October 1, 2018, a candidate’s eligibility period will be six (6) months. Candidates who complete the pre-licensing course and are eligible to take the exam will have 6 months to take and successfully pass both parts of the applicable Maryland license exam. Candidates who do not pass the exams within the six (6) month period will be required to retake the pre-licensing course and request to retake both parts of the exam.
- log in to the psi website and create an account. please enter your email address and first and last name. This information must exactly match the information your educator has provided to psi. be sure to check the box next to “check here to try to locate existing records for you in the system.”
- You will be prompted to select the exam and enter your social security number. your record will be found and you are now ready to pay and schedule your exam.
- To register by phone, you will need a valid credit card.
- On the day of the exam, you must arrive 30 minutes before your appointment.
- This additional time is for registration, identification, and familiarization with the exam process.
- You must provide 2 forms of identification. one must be a valid form of government-issued identification (driver’s license, state ID, passport), bearing your signature and photograph. the second ID must have your signature and legal name preprinted.
- all identification provided must match the name on the exam registration form and your registration confirmation notice
- Candidates may only bring approved items into the exam room.
- All personal belongings of candidates must be placed in the secure storage provided at each site before entering the exam room. personal belongings include, but are not limited to, the following items:
- electronic devices of any kind, including cell/mobile phones, recording devices, electronic watches, cameras, pagers, laptops, tablets (p. ipads), music players (e.g. ipods), smart watches, radios, or electronic games.
- bulky or loose clothing or coats that could be used to conceal recording devices or notes. For safety reasons, outerwear such as but not limited to: open sweaters, cardigans, shawls, scarves, hoodies, vests, jackets, and coats are not permitted in the testing room. In the event that you are required to remove outer clothing, you must wear appropriate clothing underneath, such as a shirt or blouse.
- hats or headgear not worn for religious purposes or as religious attire, including hats, baseball caps, or visors.
- other personal items, including bags, notebooks, reading or reference material, briefcases, backpacks, purses, pens, pencils, other writing devices, food, drinks, and good luck items.
- Persons accompanying an exam candidate may not wait at the exam center, inside the building, or on the building property
- This applies to guests of any nature, including drivers, children, friends, family, colleagues, or instructors.
- No smoking, eating, or drinking is allowed in the test center.
- During the registration process, all candidates will be asked if they possess any prohibited items.
- Candidates may also be asked to empty their pockets and give them to the supervisor to ensure they are empty.
- Proctor may also ask candidates to roll up sleeve ends and bottoms of pants to ensure notes or recording devices are not hidden there.
- Supervisors will also carefully inspect eyeglass frames, tacks, or any other clothing that may be used to house a recording device. Proctors will request to inspect such items in candidates’ pockets
- The following fee table lists the applicable fees for each exam. the fee is per registration, whether you are taking the exams for the first time or repeating.
- The exam fee is $70 for both parts of the exam, regardless of whether you take 1 or both parts of the exam. exam retakes are $70 for 1 or both parts of the exam. the exam fee is valid for six months.
- All eligibility is valid for six (6) months from the date psi receives your eligibility from the approved provider.
- If you do not pass the exams within the six (6) month period, you must reapply with psi, including repeating pre-licensing education courses.
- Candidates are only required to retake the portion of the exam they failed (state or general).
- The failed portion of the exam must be passed within six (6) months from the date psi receives your eligibility from the approved provider.
- within the six (6) month period, failed portions of the exam may be taken until passed
- You can take unlimited exams. however, a candidate who is unsuccessful on the test must wait four (4) days before retaking the exam.
- it is not possible to schedule a new exam appointment on the same day you took the exam; this is due to processing and reporting scores.
- Candidates may request the use of a word-for-word dictionary at no charge. the dictionary cannot contain images or definitions.
- Once candidates have been seated and the exam begins, they may leave the exam room only to use the restroom.
- the candidate will not receive additional time to complete the exam.
- Candidates are not allowed to review notes, coursework or study materials during the exam period.
- The exam will be administered by computer.
- you will use a computer mouse and keyboard.
- You will be directed to a semi-private testing station to take the exam.
- When you are seated at the testing station, you will be asked to confirm your name, ID number, and the exam you are registered for.
- Before you begin your exam, an introductory tutorial is provided on the computer screen.
- The time you spend on this tutorial, up to 15 minutes, does not count towards your exam time.
- Sample questions are included after the tutorial so you can practice answering questions and reviewing your answers.
- one question appears on the screen at a time.
- During the exam, the remaining minutes will be displayed at the top of the screen and will update as you record your answers.
- after you have entered your answers, you may return to any question and change your answer, as long as the exam time has not expired.
- In addition to the number of questions per exam, a small number of three to ten “experimental” questions may be administered to candidates during exams. these questions will not be scored and time to answer them will be added to the time allowed.
- While taking the exam, examinees will have the opportunity to provide feedback on any questions.
- This is the only review of exam materials available to candidates.
- Your score will be provided to you immediately upon completion of the exam.
- An official score report will be printed at the test site.
- If you pass, you will immediately receive a passing grade report.
- if you fail, you will receive a failing score report with a diagnostic report indicating your strengths and weaknesses by exam type
- pay the applicable fee of $54, required by Insurance Article, § 2-112, Maryland Code Annotated;
- complete and submit the individual naic uniform application.
- pay the applicable fee of $54, required by Insurance Article, § 2-112, Maryland Code Annotated;
- complete and submit the naic uniform business entity application which requires applicants to:
- submit any business names to be used by the applicant and the name and residence address of any person who holds a license and does business under the trade name;
- provide the name and address of each licensed producer employed by the business entity, each individual who has direct control over its fiscal management, and each owner, member, or manager of the business entity and each director of a business entity who is a corporation;
- designate a maryland licensed insurance producer as your primary contact with mine.
4. plan to complete required insurance continuing education (ce) credits
All insurance producers must comply with the ce requirements of their home state. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you sign up for a CE Library with Kaplan.
Learn how to renew a Maryland insurance license by clicking here.
How long is the exam?
3. apply for a maryland insurance license
Once you have passed your state licensing exam, you are ready to apply for an insurance license. Applications for initial licenses and registrations can be submitted online through NIPR at www.nipr.com. You must apply for a license within 6 months of successful completion of the exam.
it will be assigned an npn. This unique identifier is assigned through the license application process and is used to track individuals and business entities nationwide. many states use the npn to replace a producer’s license number
initial license application
To apply for a license as a producer, in addition to passing the producer exam, a person must:
To apply for a license as an insurance producer, a business entity must:
How is the exam scored?
How is the exam?
Note: Applicant cannot register and schedule an exam until the education provider has submitted their eligibility file to prometric.
exam provider: prometric (current as of 10/01/2020)
For a license information bulletin, visit the prometric website at http://www.prometric.com. To schedule an exam, contact Prometric at http://www.prometric.com or 800-741-9380.
Frequently Asked Questions about the Maryland Licensing Exam
after completing my maryland prelicensing course, how should i prepare for test day?
register for the exam
For the fastest and most convenient exam scheduling process, psi recommends that candidates register for their exams online.
live class requirements
Pre-class study (must be completed before attending live class): 8 hours (life and health)
pre-licensing education exemptions
Individuals who hold one or more of the following designations or certifications may receive a waiver of the pre-licensing education requirements for their applicable insurance exam:
Pre-Licensing Education Waiver Eligibility Period to Successfully Pass Both Parts of the Maryland Licensing Examination: Currently, candidates who have been granted a Pre-Licensing Education Waiver have one (1) year to take and successfully pass both parts of the maryland licensing exam. Effective October 1, 2018, the pre-licensing education exemption will be valid for six (6) months. Candidates who are granted a pre-licensing education waiver will have 6 months to take and successfully pass both parts of the applicable Maryland licensing exam. Candidates who do not successfully take and pass both parts of the exams within the six (6) month period will be required to take a prelicensing course and request to retake both parts of the exam.
Unless an exemption has been approved by the Maryland Insurance Administration, candidates must complete a Maryland-approved prelicensing course. The pre-licensing education exemption request form can be found on the mia website.
Adjuster license requirements
The Designated Home State (DHS) Appraiser license is available to individuals who are 1) residents of a state that does not license appraisers, or 2) individuals who are business appraisers and reside in a state that it only licenses independent appraisers and wants to designate another state as its home state.
2. pass your maryland license exam
After completing the required prelicensing course, you must pass a state licensing exam. kaplan’s prelicensing content is based directly on the maryland licensing exams, so you’ll be prepared to pass the first time.
certificate of completion requirements