Maryland Life, Accident & Health Insurance License Practice Exam
130 scored questions (combined Life and Accident and Health or Sickness exam), 2.5 hours, 70% to pass. No pre-licensing required since Oct 1, 2024. $62 exam fee. Prometric test center or ProProctor.
Maryland Life, A&H — Study by Topic
Drill Maryland insurance law (Insurance Regulation is 30% of the exam) or practice general concepts. Full 130-question timed exam available. 4-day retake wait.
Life Insurance
Term, whole life, universal life, variable, annuities, Annuity Best Interest, viatical/life settlements, riders, nonforfeiture, settlement options.
Health & A/H
Individual/group health, disability income, LTC, Medicare supplement (A–N), COBRA, ACA, HMOs, dental.
Maryland State Law
MIA, Prometric exam, no pre-licensing since Oct 1, 2024, 70% to pass, 4-day retake wait, 24 CE hours (3 ethics), no CE carryover.
Policy Provisions
Contract law, insurable interest, grace period, incontestability, entire contract, misstatement of age, taxation, qualified plans, HSA/HRA.
🌟 Full MD Exam
130-question timed practice exam modeled on the Prometric Maryland Life and Accident and Health or Sickness combined exam (130 scored questions, 2.5 hours). 70% to pass.
About the Maryland Life & Health Insurance Exam
The Maryland insurance producer exams are administered by Prometric for the Maryland Insurance Administration (MIA). Maryland licenses producers by line, and the life and health lines can be tested on separate exams (Life, Series 20-27, and Accident and Health or Sickness, Series 20-24) or on the Life and Accident and Health or Sickness Producer combined exam (Series 20-30). Since October 1, 2024, Maryland no longer requires a Commissioner-approved program of study or work experience before the exam (Chapters 873 and 874 of 2024; MIA Bulletin 24-19). Each exam costs $62, and the initial license fee is $54.
The combined exam has 130 scored questions plus 10 unscored questions and a 2.5-hour time limit, and a passing score is 70% or higher (Prometric exam FAQ). Insurance Regulation is 30% of the outline (39 of 130 items), covering Maryland licensing, MIA powers, the Life and Health Insurance Guaranty Corporation, mandated health benefits, small employer coverage, the Maryland Health Benefit Exchange, and long-term care and Medicare Supplement standards.
Maryland Life & Health Insurance Exam Topic Breakdown
| Section | Questions / Weight | Key Topics |
|---|---|---|
| MD — Insurance Regulation | 39 (30%) | Licensing, appointments, discipline and fraud; MIA powers, insurer and producer regulation, unfair trade practices; policy replacement, group life, Life and Health Insurance Guaranty Corporation; nonprofit health service plans and HMOs; eligibility, dependent coverage, mandated benefits, small employer coverage, Medicare Supplement, Maryland Health Benefit Exchange; Maryland long-term care and Medicare Supplement standards |
| General Insurance | 7 (5%) | Risk concepts, insurable risk, reinsurance, types of insurers, agency law, contracts, FCRA, ERISA, COBRA, ACA reforms |
| Life Insurance Basics | 12 (9%) | Insurable interest, personal and business uses, viatical and life settlements, coverage amounts, premiums, underwriting |
| Life Insurance Policies | 7 (5%) | Term, whole life, flexible premium, specialized policies, group life, credit life |
| Life Insurance Policy Provisions, Options and Riders | 10 (8%) | Standard provisions, beneficiaries, settlement and nonforfeiture options, policy loans, dividends, riders |
| Annuities | 6 (5%) | Annuity principles, immediate and deferred annuities, payout options, product types, uses |
| Federal Tax Considerations for Life Insurance and Annuities | 5 (4%) | Taxation of life insurance, modified endowment contracts, non-qualified annuities, IRAs, rollovers, Section 1035 exchanges |
| Qualified Plans | 2 (2%) | SEPs, Keogh, profit-sharing, 401(k), SIMPLE, 403(b) |
| Health Insurance Basics | 9 (7%) | Perils, types of losses and benefits, policy classes, limited policies, exclusions, underwriting, replacement |
| Individual Health Insurance Policy General Provisions | 3 (2%) | Uniform required and optional provisions, renewability |
| Disability Income and Related Insurance | 6 (5%) | Qualifying for benefits, individual and group disability, business disability, Social Security disability, workers compensation |
| Medical Plans | 10 (8%) | Major medical, HMOs, PPOs, POS, TRICARE, cost containment, HIPAA, HSAs and HRAs, ACA provisions |
| Group Health Insurance | 3 (2%) | Group characteristics, defined groups, employer group plan provisions, small employer plans |
| Dental Insurance | 1 (1%) | Treatment types, indemnity plans, employer group dental coverage |
| Insurance for Senior Citizens and Special Needs Individuals | 7 (5%) | Medicare Parts A–D, Medicare Supplement, long-term care policies |
| Federal Tax Considerations for Health Insurance | 3 (2%) | Taxation of personally owned and employer group health insurance, HSAs, HRAs, FSAs |
Counts and weights are from Prometric's Maryland Life and Accident and Health or Sickness Producer Combo outline (Series 20-30, dated 9/21/21), which lists 130 scored and 10 unscored questions. The outline does not split items between general and Maryland-specific content; the Maryland-specific law sits in the Insurance Regulation section.
What Makes the Maryland Life & Health Exam Different
Pre-licensing was repealed in 2024. Chapters 873 and 874 of 2024 (SB 336 and HB 265) amended Insurance Article Sections 10-104 and 10-105 to remove the education and experience requirements for producers who must pass an exam, effective October 1, 2024. The exam requirement remains (Section 10-104). MIA Bulletin 24-19 confirms applicants no longer need a state-approved study program.
Regulation carries the weight. Insurance Regulation is 39 of 130 items, so Maryland law matters more than any single life or health topic. Know the Life and Health Insurance Guaranty Corporation, mandated offers and benefits, small employer coverage, and Maryland's long-term care and Medicare Supplement standards.
Combined or separate exams. The combined Life and Accident and Health or Sickness exam (20-30) has 130 scored questions in 2.5 hours. The separate Life (20-27) and Accident and Health or Sickness (20-24) exams each have 80 scored questions in 1 hour 45 minutes. Each exam costs $62.
Short retake wait and remote testing. A candidate who fails must wait four days before retaking that exam. Prometric offers test centers or remote proctoring (ProProctor), which requires a computer with a camera and microphone (tablets are prohibited) and the Chrome browser. Rescheduling requires 24 hours' notice to avoid forfeiting the fee.
Renewal and continuing education. Individual licenses are biennial and expire on the last day of the producer's birth month. A renewal costs $69 ($54 renewal fee plus a $15 fraud prevention fee). Producers need 24 CE hours per renewal period, which for life and health means 21 L/H hours plus 3 ethics hours. Carryover is not permitted, and an expired license can be reinstated within one year with CE proof and a $100 reinstatement fee.
Sample Maryland Life & Health Insurance Exam Questions
1. Effective October 1, 2024, what education or experience must a Maryland applicant complete before taking a producer exam, under Insurance Article Section 10-104 as amended by Chapters 873 and 874 of 2024?
2. On Prometric's Maryland Life and Accident and Health or Sickness Producer combined exam outline (Series 20-30), which section carries the greatest weight?
3. A candidate fails a Maryland producer exam administered by Prometric. According to Prometric's License Information Bulletin, how long must the candidate wait before retaking that same exam?
Study Tips for the Maryland Life & Health Exam
Insurance Regulation is 39 of 130 scored items. That is nearly four times the weight of Life Insurance Policies (7 items), so give Maryland law and regulation serious time before you drill general life and health content.
You need 70% of the scored questions, which is 91 of 130 on the combined exam. The outline adds 10 unscored questions you cannot identify, so treat every question as scored and pace yourself at under 70 seconds per item (150 minutes for 140 total).
Decide between the combined exam and two separate ones. The combined exam (20-30) is one $62 fee for 130 scored questions; separate Life and A&H exams are $62 each, with 80 scored questions apiece.
Licensing in a nearby state? See the Virginia life and health practice exam. General exam help is in our insurance exam study guide.
How to Get Your Maryland Life & Health Insurance License
There are four steps to get your Maryland life and health insurance license.
Steps to Get Your Maryland Life & Health Insurance License
| Step | What to Do |
|---|---|
| 1. Pre-License Education | None is required since October 1, 2024. Prepare with Prometric's Maryland exam content outline for Series 20-30 (or 20-27 and 20-24). |
| 2. Licensing Exam | Create a Prometric profile with your correct date of birth and SSN, then schedule at a test center or with remote proctoring. Pay the $62 fee and score 70% or higher. |
| 3. Apply for the License | Submit the NAIC Uniform Individual Application through NIPR (or on paper) with the $54 fee to the Maryland Insurance Administration. Complete applications are typically verified in 1 to 7 business days. |
| 4. Maintain Your License | Renew every two years by the last day of your birth month. Complete 24 CE hours, including 21 life and health hours and 3 ethics hours, and pay the $69 renewal. |
Maryland Life & Health Insurance License Requirements at a Glance
| Requirement | Detail |
|---|---|
| Minimum age | 18 (Insurance Article Section 10-104) |
| License type | Producer; lines Life and Accident, Health, or Sickness |
| Pre-license education | None since October 1, 2024 |
| Exam | Combined 20-30: 130 scored + 10 unscored. Life 20-27 and A&H 20-24: 80 scored + 10 unscored each |
| Time limit | 2.5 hours (combined); 1 hour 45 minutes (separate exams) |
| Passing score | 70% or higher |
| Exam fee | $62 per exam (nonrefundable) |
| Retake wait | 4 days after a failed exam |
| License fee | $54 initial (Insurance Article Section 2-112); $69 renewal including a $15 fraud prevention fee |
| License term | Two years; expires the last day of the producer's birth month |
| Continuing education | 24 hours per period: 21 L/H plus 3 ethics; no carryover |
| Reinstatement | Within one year: $100 plus renewal fees and CE proof. After one year, re-apply and pass the exam |
| Exam provider | Prometric |
| Licensing authority | Maryland Insurance Administration |
Verified against the MIA producer licensing page and Bulletin 24-19, Prometric's License Information Bulletin, exam FAQ and Series 20-30, 20-27 and 20-24 outlines, MIA's CE credit requirements, and the text of Chapters 873 and 874 of 2024. Confirm current fees with MIA before you apply.
Our free Maryland life and health practice exam covers life, health, policy provisions, and Maryland law. You can also try the Maryland property and casualty practice exam or the insurance exam study guide.
Interested in where this license leads? See our guide to insurance careers — including salary ranges, how to break in, and what the career looks like day to day.
Frequently Asked Questions — Maryland Life & Health Insurance Exam
How many questions are on the Maryland life and health exam?
The combined Life and Accident and Health or Sickness exam (Series 20-30) has 130 scored questions plus 10 unscored questions, with a 2.5-hour time limit. The separate Life and Accident and Health or Sickness exams each have 80 scored questions plus 10 unscored, in 1 hour 45 minutes.
What is the passing score for the Maryland insurance exam?
Prometric's exam FAQ states that you must receive a 70% or higher to pass.
Who administers the Maryland insurance exam?
Prometric administers the exam for the Maryland Insurance Administration. You can test at a Prometric center or by remote proctoring (ProProctor), and you schedule in your Prometric account or by phone at 800-610-1174.
Does Maryland require pre-licensing for life and health?
No. Effective October 1, 2024, producer applicants who must pass an exam no longer need a Commissioner-approved program of study or experience (MIA Bulletin 24-19). The exam is still required.
How much does the Maryland insurance exam cost?
Every Maryland resident producer exam is $62 and is not refundable or transferable. The initial license fee is $54 under Insurance Article Section 2-112.
How long do I wait to retake a failed Maryland exam?
Prometric's bulletin says you must wait four days before retaking the same exam.
What are Maryland's continuing education requirements for life and health?
Producers need 24 hours per two-year renewal period, which for life and health is 21 L/H hours plus 3 ethics hours. Carryover hours are not permitted.
How often must a Maryland producer license be renewed?
Individual licenses are biennial and expire on the last day of the producer's birth month. Renewal is $69 ($54 plus a $15 fraud prevention fee), and an expired license can be reinstated within one year.