Maryland Life, Accident & Health Insurance License Practice Exam
130 questions (110 general + 20 Maryland state), 70% on each section independently. No pre-licensing required (eliminated Oct 2024). No fingerprinting. Apply within 6 months of passing. Prometric ProProctor.
Maryland Life, A&H — Study by Topic
Drill Maryland state law (~20 items, ~15% of exam) or practice general concepts. Full 130-question timed exam (3.5 hrs) 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 (8-hr initial + 4-hr refresher each cycle), Medicare supplement (A–N), COBRA, ACA, HMOs, dental, LTC tax credits.
Maryland State Law
MIA, Prometric, no pre-licensing, no fingerprinting, dual-section 70%, retake only failed section, 4-day wait, 6-month score validity, 24 CE hrs, no 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 exam simulating the Prometric Maryland Life, A&H exam. 3.5 hours. Both sections must score 70% independently. Score valid 6 months.
About the Maryland Life, Accident & Health Insurance License Exam
To get your Maryland Life & Health insurance license, you must pass the state licensing exam administered by Prometric with a passing score of 70% each section independently. Exam fee: $60. Maryland is regulated by the Maryland Insurance Administration (MIA) under Maryland Insurance Article. Visit insurance.maryland.gov for official licensing information. Dual-section 70% each independently (like Oklahoma); Prometric ProProctor available; no pre-licensing (eliminated Oct 1, 2024); Commissioner appointed; 48-hour wait after passing; no CE carryover; CE exemptions for producers 70+ or 25+ consecutive years.
Pre-licensing education in Maryland: None required (eliminated October 1, 2024). Continuing education: 24 hours + 3 ethics biennial. License renewal fee: $69/line biennial. CE must be completed before submitting your Maryland renewal application. How to get licensed in Maryland: complete pre-licensing → submit background check/fingerprinting → pass Prometric exam → apply for Maryland producer license.
How to get a Maryland Life & Health insurance license in 2026: The Maryland Insurance Administration (MIA) (insurance.maryland.gov) administers all producer licensing in Maryland. Exam: Prometric, $60, 70% each section independently. Pre-licensing: None required (eliminated October 1, 2024). Once licensed, maintain your Maryland Life & Health license by completing 24 hours + 3 ethics biennial and paying the $69/line biennial renewal. For questions contact the Maryland Insurance Administration (MIA).
MIA (insurance.maryland.gov). Maryland Insurance Article. Pre-licensing eliminated Oct 1, 2024. Prometric ProProctor available. Dual-section 70% each independently. 48-hr wait after passing before applying. No CE carryover. CE exempt: 70+ years old or 25+ consecutive years.
Frequently Asked Questions — Maryland Life, A&H Exam
How do I get a Maryland Life & Health insurance license?
To become a licensed Life & Health producer in Maryland: (1) Complete any required pre-licensing education (None required (eliminated October 1, 2024)); (2) Submit your application and complete the background check/fingerprinting process; (3) Pass the Prometric exam ($60, 70% each section independently); (4) Apply for your Maryland producer license. The Maryland Insurance Administration (MIA) (insurance.maryland.gov) oversees all insurance producer licensing in Maryland.
What exam does Maryland use for Life & Health insurance licensing?
Maryland uses Prometric to administer the Life & Health insurance licensing exam. Fee: $60. Passing score: 70% each section independently. Dual-section 70% each independently (like Oklahoma); Prometric ProProctor available; no pre-licensing (eliminated Oct 1, 2024); Commissioner appointed; 48-hour wait after passing; no CE carryover; CE exemptions for producers 70+ or 25+ consecutive years.
Does Maryland require pre-licensing for Life & Health insurance?
None required (eliminated October 1, 2024). For official pre-licensing provider information, visit insurance.maryland.gov.
What are Maryland's CE requirements for Life & Health producers?
Maryland requires: 24 hours + 3 ethics biennial. Renewal fee: $69/line biennial. CE must be completed before submitting the renewal application. Contact the Maryland Insurance Administration (MIA) at insurance.maryland.gov for CE provider information.
What makes Maryland unique for Life & Health insurance licensing?
Dual-section 70% each independently (like Oklahoma); Prometric ProProctor available; no pre-licensing (eliminated Oct 1, 2024); Commissioner appointed; 48-hour wait after passing; no CE carryover; CE exemptions for producers 70+ or 25+ consecutive years.
Practice Exam Questions — Maryland Life & Health
5 state-specific questions drawn from the Maryland exam content outline. Correct answer highlighted in green.
Maryland L&H exams are administered by:
- PSI Services LLC
- Pearson VUE
- Prometric — ProProctor remote available; exam fee $60; dual-section 70% each independently; no pre-licensing (eliminated October 1, 2024)
- Maryland Insurance Administration directly
Maryland eliminated pre-licensing requirements as of:
- January 1, 2023
- January 1, 2024
- October 1, 2024 — Maryland eliminated pre-licensing education effective October 1, 2024; candidates now schedule Prometric directly
- Maryland still requires pre-licensing
Maryland dual-section scoring means:
- One combined score across all questions
- Both the General section (70%) AND the State section (70%) must each be passed independently; fail one = retake entire exam
- The exam has two versions — candidates choose
- Scores from two exam dates are averaged
Maryland's CE has which unique exemption?
- CE is not required in Maryland
- Producers who are 70+ years old OR have 25+ consecutive years of continuous Maryland licensing are exempt from CE; all others must complete 24 hrs + 3 ethics biennial
- All producers exempt from CE for first 5 years
- CE only required for L&H, not P&C
Maryland's primary insurance statute is:
- Maryland Code, Business Regulation Article
- Maryland Insurance Article — a standalone Article within the Annotated Code of Maryland; MIA at insurance.maryland.gov; 200 St. Paul Place, Baltimore MD 21202; Commissioner appointed
- Maryland Code, Financial Institutions Article
- Maryland Administrative Code Title 31