Maryland Insurance License Requirements and Exam Steps (2026)

Maryland insurance prelicensing requirements from TSI National

Maryland insurance licensing

Maryland Insurance License Requirements and Exam Steps (2026)

Maryland changed a major licensing step in 2024. Effective October 1, 2024, producer applicants who must pass an exam are no longer required to complete an approved program of study or meet minimum experience requirements before taking the exam.

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Maryland at a glance

Short answers first. Open a detail only when you need the source-backed nuance.

Prelicensing educationNo state course required

Details

No approved program of study is required for producer applicants who are required to pass an exam, effective October 1, 2024.

Exam vendorPrometric

Details

Prometric is Maryland's prelicensing and examination service vendor.

Major linesSpecial training may apply

Details

Maryland issues producer licenses for Life, Health, Property, Casualty, Variable Life and Annuity Products, and Personal Lines.

Exam requirementExam step required

Details

Resident individual applicants requesting a major line of authority must pass the Maryland exam for the line requested.

ApplicationUse NIPR

Details

After passing the exam, submit the NAIC Uniform Individual Application, commonly through NIPR.

Fee snapshotReview detail

Details

Maryland lists a $54 producer application fee.

Variable Life and Annuity ProductsReview detail

Details

Requires the underlying Life license plus FINRA/SIE requirements and active FINRA registration.

AppointmentAppointment may apply

Details

Maryland notes that individuals who solicit, negotiate, or accept insurance business must be licensed in the line and, when applicable, appointed by an insurer.

Recommended application sequence

  1. Choose the Maryland line or lines of authority you need.
  2. Use Prometric’s Maryland insurance exam content outlines to prepare. Maryland no longer provides approved prelicensing-provider lists for exam applicants.
  3. Schedule and pass the required Maryland exam for the requested line.
  4. Submit the NAIC Uniform Individual Application through NIPR or the paper process if required.
  5. Track the application using the transaction number and Maryland producer lookup tools.
  6. After approval, print the license through SBS and confirm appointment obligations before transacting business.

Common mistakes to avoid

  • Following outdated Maryland pages or vendor copy that still says an approved prelicensing course is required for exam applicants.
  • Confusing exam preparation with a state-approved prelicensing mandate.
  • Applying for Variable Life and Annuity Products without the required underlying Life license and FINRA/SIE status.
  • Assuming Maryland mails license copies. Maryland directs licensees to print the license after approval.

Course planning note

For Maryland exam preparation, use TSI National’s course finder and match study support to the Prometric exam outline for your requested line: browse insurance licensing courses.

Official sources used

This page is an educational summary, not legal advice. Always confirm current Maryland Insurance Administration, Prometric, and NIPR instructions before applying.