How to Get Your Life Insurance License in Maryland
Last reviewed 2026-08-02 · Verify details with the Maryland Insurance Administration
Life insurance agents in Maryland are licensed by the Maryland Insurance Administration under the Insurance Producer License (Life line of authority). Here's the whole process — education, exam, and application — in plain English.
Maryland life license at a glance
The process, step by step
- 1Study for the exam. Maryland doesn't mandate pre-licensing education for the life line, but a structured prep course dramatically improves first-attempt pass rates.
- 2Schedule and pass the Maryland life insurance exam with Prometric. Budget 1–2 weeks of study; the exam covers policy types, riders, underwriting basics, and Maryland insurance law.
- 3Complete any background disclosure questions on your application honestly — undisclosed history is the #1 cause of application denials.
- 4Submit your license application (NIPR after passing the exam) and pay the fee. Most approvals come through within days.
- 5Get appointed with carriers through your upline or IMO, and set up your sales stack — leads, dialer, and CRM — so you can start writing business immediately.
Good to know: Maryland repealed its 20-hour pre-licensing education requirement effective October 1, 2024, and uses Prometric as its exam vendor.
Step 6: set yourself up to actually sell
Most new Maryland agents fail from a lack of at-bats, not knowledge. InsuraCentral gives you the dialer, AI underwriting help, and compliant texting that veteran producers use — free for 14 days.
Start 14-Day Free TrialFrequently Asked Questions
Does Maryland require pre-licensing education for a life insurance license?
No — Maryland does not mandate pre-licensing education for the life line, though most candidates still take a prep course, since exam pass rates are much higher with structured study.
Who administers the Maryland life insurance exam?
The Maryland licensing exam is administered by Prometric. You schedule directly with them after meeting any education requirements, and testing is available at physical centers.
How often do I renew a Maryland insurance license?
Maryland licenses renew every 2 years. You'll need 24 hours of continuing education per renewal cycle.
Can I sell insurance in other states with a Maryland license?
Your Maryland license covers Maryland residents. To sell in other states you apply for non-resident licenses — usually a fast, exam-free application through NIPR once you hold a resident license in good standing. Many telesales agents license in 10+ states this way.
Other states
Sources: insurance.maryland.gov · insurance.maryland.gov
Licensing requirements, fees, and providers change. This guide is informational only and was last reviewed on the date shown above — always confirm current requirements with the state insurance regulator before enrolling in courses or scheduling an exam.