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Maryland Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of Maryland. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Maryland Insurance Administration website at www.mdinsurance.state.md.us. Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible.

Maryland Insurance Administration

Producer Licensing
200 St. Paul Place, Suite 2700  Baltimore, MD 21202
Phone: 888-204-6198
Fax:  410-468-2399
Website: www.mdinsurance.state.md.us
Email: E-mail via the State website

Prelicensing Education Hour Requirements

  • Life - 20 Hours
  • Accident and Health - 20 Hours
  • Property - 20 Hours
  • Casualty - 20 Hours
  • Personal Lines - 20 Hours

Exam Provider: PSI

Validity of examination results: As of October 1, 2018, once the pre-licensing course is completed and a certificate is awarded, the state insurance licensing examination must be taken within 6 months from the date of the certificate's issuance. If the examination is not taken, the certificate will expire, and the course must be retaken to qualify for the examination.


Acceptable Methods of Education

  • Classroom
  • Self-study
  • Online

Live Class Requirements

  • Pre-Class Study (must be completed prior to attending the live class): 8 hours (Life & Health)

Certificate of Completion Requirements

  • Education provider provides eligibility confirmation to PSI upon applicant’s successful completion of the course requirements.
  • Eligibility period from pre-licensing course completion to successfully passing both portions of the Maryland licensing examination:
    • Currently, candidates have a one (1) year eligibility period from completing the prelicensing course to taking and successfully passing both portions of the Maryland licensing examination. Effective October 1, 2018, a candidate’s eligibility period will be six (6) months. Candidates who complete the pre-licensing course and become eligible to take the exam will have 6 months to successfully take and pass both portions of the appropriate Maryland licensing examination. Candidates who do not pass the examinations within the six (6) month period will have to retake the pre-licensing course and apply to retake both portions of the examination.
Note: Applicant cannot register and schedule an exam until the education provider has submitted their eligibility file to PSI.
 

Exam and/or Prelicensing Education Exemptions

Individuals who hold one or more of the below designations or certifications may be granted a waiver from the prelicensing education requirements for their applicable insurance exam:
 
  • Property or Casualty - AAI, ARM, CIC, CPCU®
  • Life - CLU®, CEBS, ChFC®, CIC, CFP®, FLMI, LUTCF, Fellow of the Society of Actuaries
  • Health - RHU, CEBS, HIA, REBC

Eligibility period of the pre-licensing education waiver to successfully passing both portions of the Maryland licensing examination: Currently, candidates who were granted a pre-licensing education waiver have one (1) year to take and successfully pass both portions of the Maryland licensing examination. Effective October 1, 2018, the pre-licensing education waiver will be valid for six (6) months. Candidates who are granted a pre-licensing education waiver will have 6 months to successfully take and pass both portions of the appropriate Maryland licensing examination. Candidates who do not take nor successfully pass both portions of the examinations within the six (6) month period will have to take a pre-licensing course and apply to retake both portions of the examination.

Adjuster License

This is disclosure for states that do not require an adjuster license:

The Texas Designated Home State (DHS) Adjuster license is available to an individual who is a resident of a state that does not license adjusters. This means you can obtain the Texas Property/Casualty Adjuster license just as a Texas resident adjuster would and complete the Texas bi-annual continuing education requirement. The Texas DHS Adjuster license is highly respected in the industry and can significantly enhance your credibility as an adjuster in your home state.

Kaplan’s online Property/Casualty Adjuster licensing course contains the actual state licensing exam for the Texas DHS Adjuster license; therefore, you can satisfy your Texas prelicensing requirement AND pass the Texas P/C Adjuster state licensing exam without having to leave your home or office. Upon completing the Kaplan course and successfully passing the exam, you can remotely apply for the Texas P/C Adjuster License using the procedures found on the Texas State Requirements page. This will qualify you to adjust in both your home state and numerous other states that accept the Texas DHS Adjuster license, including AL, CT, DE, GA, ID, IN, KY, LA, ME, MI, MN, MS, MT, NC, NH, NM, OK, RI, UT, VT, WA, WV, and WY.

Additionally, earning the Texas DHS Adjuster license enables you to adjust with enhanced credibility and industry expertise in CO, DC, IA, IL, KS, MA, MD, MO, ND, NE, PA, NJ, OH, SD, TN, VA, and WI.

Check with the Department of Insurance in your resident state and the states you wish to adjust to see how the Texas PC Adjuster license can be used in those states.


This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.

Select a Line of Authority:

Life & Health

This license qualifies you to explain, sell, and write life and health insurance products in Maryland.

 

Property & Casualty

This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in Maryland.

Personal Lines

This license qualifies you to sell a variety of insurance plans directly to consumers in Maryland.

 

Adjuster

This license qualifies you to investigate and adjust any claim in connection with an insurance policy in Maryland.