How To Become An Insurance Agent In Maryland


What Kind Of Agent Are You Going To Be?

A majority of people who are applying for their insurance license have a plan in already in place of where they are going to use it. If you don't yet have a plan on how you will be using your insurance license, this is the place to start. Here are some of the questions that you should ask yourself:
  • What type of insurance am I going to sell?
  • Am I starting my own agency or working inside of an existing agency? 
    • It may depend on how your agency is set up to tell you what type of licenses you need to hold.
  • What types of licenses does my company require me to hold? 

How To Get Your Insurance License In Maryland

1. Pre-License Education

The first step in getting a Maryland insurance license is taking pre-license education courses. These are state required courses pertaining to the subject matter that will be on the license exam. To fill the pre-license requirement, you must complete a certain amount of credit hours depending on the lines of authority (types of licenses) you wish to attain.

You must take forty (40) hours of pre-license education per combined line of authority that you will apply for. Property & Casualty, and Life, Accident & Health are considered combination lines, so in total, you will take eighty (80) hours of pre-license education for these lines. You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.

Most applicants choose to take these courses online, as it fits their schedule better, but there are also in-person courses available. You should choose which format in which to take your courses based on your preferred method of learning. The goal isn't just to get the courses out of the way, it's to prepare you to pass your license exam on the first attempt.


For pre-license education products and courses, StateRequirement recommends:

2. Insurance License Exams

The next step after completing all of your pre-license coursework is to take the insurance exam. You will take one exam for each combined line of insurance you wish to carry. Property & Casualty, and Life, Accident & Health are considered combination lines, so you will only have to take two exams, instead of four.

This is a proctored test, which means that you will be in a controlled environment with a person watching you. For people who haven't tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

The fee for each attempt of the exams is $70.

The Life, Accident & Health Producer Exam consists of one hundred thirty (130) question. You have two hundred ten (210) minutes to complete this exam. Be sure to read over the PSI Exams Life, Accident & Health Producer Examination Content Outline.

The Property & Casualty Producer Exam consists of one hundred twenty (120) question. You have one hundred fifty (150) minutes to complete this exam. Be sure to read over the PSI Exams Property & Casualty Producer Examination Content Outline.

The minimum score to pass both of these exams is 70% correct answers. If you fail an exam, you must wait a minimum of fourteen (14) days to attempt a retake.

Check out our Insurance Exam Guide. It's extremely in-depth, and will hopefully help you pass the first time.

Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn't the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

Note: StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

You may register to take your exams on the PSI Exams Maryland Insurance website. For more information on testing, visit the PSI Exams Maryland Insurance Candidate Information Bulletin.

3. License Application

Once you have completed your exams, you are now ready to apply for your license. If you have more than one line of authority that you have passed the exam for, be sure to apply for all of those lines.

The fee for an online application is $54, plus a $5 NIPR fee, for a total of $59.

If you wish to add another line of authority to your license later, there is no fee, you just need to take the pre-licensing, and pass the exam.

Fill out your online application on the NIPR Maryland Insurance page.

4. Application Review

Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

If everything is to acceptable standards your license should be issued quickly. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

The application review should take about three to five (3-5) business days to complete. After the review is completed, your license will be issued, and you can print it from the State Based Systems License Lookup Tool.


You've done the work, put in the time and effort, and now hold the key to your own success!  We're proud of you. Take five (5) minutes and celebrate.

Maryland Department Of Insurance Contact Information

Mailing Address:

Maryland Insurance Administration
200 St. Paul Place, Suite 2700
Baltimore, Maryland 21202
Phone: (410) 468-2411
Fax: (410) 468-2399
Email: [email protected]

Information on this page has been gathered by a multitude of sources and was most recently updated in April 2019.

Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. Huge Hammer LLC and its members and affiliates are not responsible for any losses, monetary or otherwise. For more information, please contact your state's authority on insurance. Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.