Maryland Insurance License
The Maryland insurance license exam, in plain numbers.
Everything below is specific to Maryland — the pass mark, the question counts, who runs the exam, and what the state requires before and after you sit it.
What you need to pass in Maryland
| Edition | Scored questions | Correct to pass | Pass mark | Misses allowed |
|---|---|---|---|---|
| Life & Health | 100 | 70 | 70% | 30 |
Administered by Prometric for the Maryland Insurance Administration. Time limit: published in the current Maryland Candidate Information Bulletin; confirm when you schedule. Roughly 25 of the scored questions (25%) come from Maryland law — the block national courses cover most lightly.
Prelicensing
ELIMINATED effective 1 October 2024 under MIA Bulletin 24-19. Applicants may proceed directly to the licensing examination. Historically Maryland required 20 prelicensing hours per line of authority, with the exam to be taken within 6 months of the certificate date.
Continuing education
At least 24 hours of continuing education in each renewal period, and CE courses must be in the category or subdivision of insurance shown on the license. Governed by Insurance Article Section 10-408.
License term
biennial, expiring on the last day of the producer's birth month
Regulator
The Maryland Insurance Administration oversees licensing, headed by an Insurance Commissioner leading a dedicated insurance-only regulator.
Maryland Life and Health Insurance Guaranty Corporation
If an insurer fails, these are the limits that apply to Maryland policyholders. Verified against the NOLHGA state-by-state table dated 1 June 2025.
| What is protected | Limit |
|---|---|
| Life insurance death benefit | $300,000 |
| Life insurance cash surrender value | $100,000 |
| Hospital, medical, surgical, or major medical | $500,000 |
| Disability income and long-term care | $300,000 |
| Other health insurance benefits | $100,000 |
| Annuity benefits (present value) | $250,000 |
The Study Guide
Written for Maryland, not for everyone.
Every rule explained in ordinary English before the terminology arrives. If two things are easy to confuse, we tell them apart in a sentence. No insurance background assumed.
You get two PDFs: a study guide that teaches the material, and a practice exam whose answer key explains why each answer is right. Printable flashcards, a master sheet of every number worth memorizing, and a four-week study plan are included.
Twisting versus churning. Twisting involves lying to move a customer, usually to a different company. Churning happens inside the same company and is about generating commission. If the question mentions misrepresentation, it is twisting. If it mentions the same insurer, it is churning.
Maryland insurance exam questions, answered
How many questions are on the Maryland insurance license exam?
The combined life and health exam has 100 scored questions. You need 70 correct to pass at 70%, which means you can miss 30.
What is the passing score for the Maryland insurance exam?
70%. That works out to 70 correct answers out of 100 scored questions.
Who administers the Maryland insurance license exam?
Prometric, on behalf of the Maryland Insurance Administration.
Does Maryland require prelicensing education?
ELIMINATED effective 1 October 2024 under MIA Bulletin 24-19. Applicants may proceed directly to the licensing examination. Historically Maryland required 20 prelicensing hours per line of authority, with the exam to be taken within 6 months of the certificate date.
How much continuing education does Maryland require?
At least 24 hours of continuing education in each renewal period, and CE courses must be in the category or subdivision of insurance shown on the license. Governed by Insurance Article Section 10-408.
Is there a Maryland life-only or health-only exam?
No. Maryland tests life and health together as one combined exam, so there is no single-line edition.
How much does a Maryland study guide cost?
A single-line guide is $9.99 and the combined life and health guide is $19.99. Each includes a study guide and a practice exam with a full answer key.
These are independent study aids. They are not state-approved prelicensing education courses and do not satisfy any state prelicensing requirement. They are not affiliated with any exam vendor or state insurance regulator. All practice questions are original. We publish no pass-rate claim and make no guarantee of any exam result. Content verified as of August 2026 — confirm current requirements with the Maryland Insurance Administration.