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 nonresident 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
200 St. Paul Place, Suite 2700
Baltimore, MD 21202
Email: Email via the State website
How to Get Your Maryland Insurance License
1. Complete an Insurance Maryland Prelicensing Course
Maryland requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry.
Prelicensing Education Hour Requirements
- Life: 20 Hours
- Accident and Health: 20 Hours
- Property: 20 Hours
- Casualty: 20 Hours
- Personal Lines: 20 Hours
Live Class Requirements
Pre-class study (must be completed prior to attending the live class): 8 hours (Life & Health)
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 prelicensing education waiver to successfully passing both portions of the Maryland licensing examination: Currently, candidates who were granted a prelicensing education waiver have one (1) year to take and successfully pass both portions of the Maryland licensing examination. Effective October 1, 2018, the prelicensing education waiver will be valid for six (6) months. Candidates who are granted a prelicensing 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 prelicensing course and apply to retake both portions of the examination.
Unless a waiver has been approved by the Maryland Insurance Administration, candidates must complete a Maryland approved prelicensing course. The Prelicensing Education Waiver Application form may be found on the MIA website.
2. Pass Your Maryland Licensing Exam
After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Maryland licensing exams, so you will be prepared to pass the first time.
Certificate of Completion Requirements
- Education provider provides eligibility confirmation to PSI upon the applicant's successful completion of the course requirements.
- Your education provider will provide your eligibility to PSI upon successful completion of the course requirements.
- After your provider has submitted your file to PSI, you may visit www.psiexams.com or call 1-800-733-9267 to register and schedule your examination. Note, if PSI does not have record of your course completion, you must contact your education provider.
- Eligibility period from prelicensing 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 Provider: PSI
- To obtain a Licensing Information Bulletin, go to the PSI website at http://www.psiexams.com.
- To schedule an exam, contact PSI at http://www.psiexams.com or 800-733-9267.
Validity of examination results: As of October 1, 2018, once the prelicensing 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.
Frequently Asked Questions About the Maryland Licensing Exam
After completing my Maryland prelicensing course, how should I prepare for exam day?
Registering for the Exam
For the fastest and most convenient test scheduling process, PSI recommends that candidates register for their exams using the Internet.
- Log onto PSI’s website and create an account. Please enter your email address and first and last name. This information must match exactly with the information your educator has provided to PSI. Be sure to check the box next to “Check
here to attempt to locate existing records for you in the system.”
- You will be asked to select the examination and enter your Social Security #. Your record will be found and you will now be ready to pay and schedule for the exam.
- For telephone registration, you will need a valid credit card.
- On the day of the examination, you should arrive 30 minutes before your appointment.
- This extra time is for sign-in, identification, and familiarizing you with the examination process.
- You must provide 2 forms of identification. One must be a VALID form of government issued identification (driver’s license, state ID, passport), which bears your signature and has your photograph. The second ID must have your signature and preprinted
- All identification provided must match the name on the Examination Registration Form and your Registration Confirmation Notice
- Only non-programmable calculators that are silent, battery-operated, do not have paper tape printing capabilities, and do not have a keyboard containing the alphabet will be allowed in the examination site.
- Candidates may take only approved items into the examination room.
- All personal belongings of candidates should be placed in the secure storage provided at each site prior to entering the examination room. Personal belongings include, but are not limited to, the following items:
- Electronic devices of any type, including cellular / mobile phones, recording devices, electronic watches, cameras, pagers, laptop computers, tablet computers (e.g., 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 security purposes 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 you are asked to remove the outerwear, appropriate attire, such as a shirt or blouse should be worn underneath.
- Hats or headgear not worn for religious reasons or as religious apparel, including hats, baseball caps, or visors.
- Other personal items, including purses, notebooks, reference or reading material, briefcases, backpacks, wallets, pens, pencils, other writing devices, food, drinks, and good luck items.
- Person(s) accompanying an examination candidate may not wait in the examination center, inside the building or on the building's 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 examination center.
- During the check in process, all candidates will be asked if they possess any prohibited items.
- Candidates may also be asked to empty their pockets and turn them out for the proctor to ensure they are empty.
- The proctor may also ask candidates to lift up the ends of their sleeves and the bottoms of their pant legs to ensure that notes or recording devices are not being hidden there.
- Proctors will also carefully inspect eyeglass frames, tie tacks, or any other apparel that could be used to harbor a recording device. Proctors will ask to inspect any such items in candidates’ pockets
What is the exam like?
- The following fee table lists the applicable fee for each examination(s). The fee is for each registration, whether you are taking the examination(s) for the first time or repeating.
- Examination fee is $70 for the 2 examination portions, regardless of whether you take 1 or both examination portions. Examination retakes are $70 for 1 or both examination portions. The examination fee is valid for six months.
- All eligibilities are valid for six (6) months from the date PSI receives your eligibility from the approved provider.
- If you do not pass the examination(s) within the six (6) month period, you must reapply with PSI, including retaking the Pre-licensing Education Courses.
- Candidates are only required to retake the portion of the examination that was failed (state or general).
- The failed portion of the examination must be passed within six (6) months from the date PSI receives your eligibility from the approved provider.
- Within the six (6) month time period failed portions of the examination may be taken until passed
- You may take examinations on an unlimited basis. However a candidate who tests unsuccessfully must wait four (4) days before retaking the examination.
- It is not possible to make a new examination appointment on the same day you have taken an examination; this is due to processing and reporting scores.
- Candidates may request to use a Word-to-Word dictionary at no cost. The dictionary cannot contain pictures or definitions.
- Once candidates have been seated and the examination begins, they may leave the examination room only to use the restroom.
- Candidate will not receive extra time to complete the examination.
- Candidates may not review any notes, course or study materials during the examination period.
- The examination will be administered via computer.
- You will be using a mouse and computer keyboard.
- You will be directed to a semiprivate testing station to take the examination.
- When you are seated at the testing station, you will be prompted to confirm your name, identification number, and the examination for which you are registered.
- Before you start your examination, an introductory tutorial is provided on the computer screen.
- The time you spend on this tutorial, up to 15 minutes, DOES NOT count as part of your examination time.
- Sample questions are included following the tutorial so that you may practice answering questions, and reviewing your answers.
- One question appears on the screen at a time.
- During the examination, minutes remaining will be displayed at the top of the screen and updated as you record your answers.
- After you have entered your responses, you will later be able to return to any question(s) and change your response, provided the examination time has not run out.
- In addition to the number of questions per examination, a small number of three to ten “experimental” questions may be administered to candidates during the examinations. These questions will NOT be scored and time to answer them has been added to the time allowed.
- While taking the examination, examinees will have the opportunity to provide comments on any questions.
- This is the only review of examination materials available to candidates.
How is the exam scored?
- Your score will be given to you immediately following completion of the examination.
- An official score report will be printed at the examination site.
- If you pass, you will immediately receive a passing score report.
- If you do not pass, you will receive a failing score report with a diagnostic report indicating your strengths and weaknesses by examination type
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 may be submitted online via NIPR at www.nipr.com. You must apply for a license within 6 months of successfully completing the examination.
You will be assigned an NPN. This unique identifier is assigned through the licensing application process and is used to track individuals and business entities on a national basis. The NPN is used by many states to replace a producer license number
Initial License Application
To apply for a license as a Producer, in addition to passing the Producer exam, an individual must:
- Pay the applicable fee of $54, required by Insurance Article, § 2-112, Annotated Code of Maryland;
- Complete and submit the NAIC Uniform Individual Application.
To apply for a license as an insurance producer, a business entity must:
- Pay the applicable fee of $54, required by Insurance Article, § 2-112, Annotated Code of Maryland;
- Complete and submit the NAIC Uniform Business Entity Application which require applicants to:
- Submit any trade name to be used by the applicant and the name and residence address of any individual 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 that is a corporation;
- Designate a Maryland licensed insurance producer as its principal contact with the MIA.
4. Plan to Complete Required Insurance Continuing Education (CE) Credits
Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan.
Learn how to renew a Maryland insurance license by clicking here.