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Maryland · State licensing

Pass the Maryland Life & Health insurance license exam.

Maryland requires a 20 hour study course per line of authority, charges a 54 dollar resident producer application fee, and administers the combined Life, Accident and Health exam through Prometric for a 60 dollar fee.

Quick answer: The Maryland Life & Health insurance license exam is administered by Prometric as a 140-question combined exam with a 150-minute limit, and you need 70% to pass. Maryland requires 40 hours of pre-licensing education before you can sit. The exam fee is $60 per attempt.

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Quick facts

Testing vendor
Prometric
Passing score
70%
Pre-licensing hours
40h combined
Application fee
$54
Exam fee
$60 per attempt
Combined exam length
140 Q · 150 min

Source: insurance.maryland.gov. Confirm before you register. State schedules change.

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What's on the Maryland L&H exam.

The Maryland L&H exam is administered by Prometric after you finish a state-approved 40-hour pre-licensing course. The combined exam runs 140 questions with a 150-minute time limit. Passing requires 70%.

Content roughly follows the NAIC L&H outline: general concepts, life products, annuities, federal tax treatment, health products, social insurance, ethics, and a state-specific law section. The state law portion is where most candidates lose points, it's the section a generic national bank cannot cover well.

What it costs to get licensed in Maryland.

Plan for roughly $154–$189 in mandatory Maryland state and vendor fees before any study materials, plus the cost of the required 40-hour pre-licensing course.

License application
$54
Exam fee
$60 per attempt
Fingerprinting / background check
~$40–$75
Pre-licensing education
40 hours required

A retake means paying the $60 exam fee again, so a first-time pass is the cheapest path. See the full cost breakdown by state and how hard the exam is.

Maryland exam FAQ.

How much does the Maryland insurance license application cost?
The Maryland Insurance Administration charges a 54 dollar resident producer application fee, plus the Prometric exam fee of 60 dollars per exam.
How many pre-licensing hours does Maryland require for Life and Health?
Maryland requires a 20 hour study course for each line of authority, so a combined Life, Accident and Health producer completes 40 hours.
Who administers the Maryland insurance licensing exam?
Prometric administers Maryland insurance producer exams, the exam fee is 60 dollars, and the passing score is 70 percent.

Licensing in other states too?

Each state has its own vendor, hours, and fee schedule.