How to get a Maryland life & health license
Requirements, exam, fees and the order to do things in — from the Maryland Insurance Administration (MIA) and the exam handbook.
Step by step
- Study for the exam — Maryland doesn't require a pre-licensing course for this license, but most first-time candidates take an exam-prep course.
- Schedule and pass the state exam with Prometric ($65). Read the candidate handbook.
- Get fingerprinted if required — Not required for producers.
- Apply for the license through NIPR or the Maryland Insurance Administration (MIA) ($54).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 per renewal incl. 3 ethics hours per renewal (license term: 2 years).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Maryland (optional here, but it lifts pass rates). Some links may be affiliate links.
Maryland Life & Health requirements
| Life | Accident & Health | |
|---|---|---|
| Pre-licensing education | None required | None required |
| Exam vendor | Prometric | Prometric |
| Exam fee | $65 | $65 |
| Questions / time | — | — |
| License application fee | $54 | $54 |
| Fingerprints | Not required for producers verify | Not required for producers verify |
| Continuing education | 24 per renewal incl. 3 ethics hours · 2 years | 24 per renewal incl. 3 ethics hours · 2 years |
Life: Pre-licensing course requirement removed effective Oct 1 2024. Exam 2027; Life+A&H combo 2030 also $65.
Accident & Health: Exam 2024.
Minimum age 18. Sources: Prometric Maryland Insurance Licensing Information Bulletin (eff. Oct 1 2026) · NIPR – Maryland resident individual requirements · MIA – Public Adjuster licenses. Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other Maryland licenses
Property & Casualty license · Adjuster license · All Maryland insurance licenses
Questions
How long does it take to get a life and health insurance license in Maryland?
Maryland has no required pre-licensing hours, so many candidates sit the exam within 1–3 weeks of studying. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Maryland Life & Health license cost?
State fees (exam + application) come to about $238, plus fingerprints and a course if you take one.
Who runs the Maryland insurance exam?
Prometric. Book the exam on the vendor's site after reading the candidate handbook.