Maryland Insurance License Classes Online

Looking for an Maryland insurance school? XCEL is the nation’s leading online insurance license school. XCEL has you covered with high-quality Maryland insurance license courses, industry expertise and convenience. All of XCEL's Maryland courses are approved by the Maryland Insurance Administration.

Life and Health

C

Property and Casualty

C

Personal Lines

C

Best Value

Premier
Life and Health

The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.

$299
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators
Online Flashcards

Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics

Recorded Exam Review Class

Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam

Prepared to Pass Promise

We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Standard
Life and Health

A solid foundation to prepare to pass your pre-licensing exam without all the extras. Ideal for those who are self-motivated and will prioritize learning on their own.
$199
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Maryland Health Pre-licensing

$199

Maryland Life Pre-licensing

$199

Life and Health

C

Property and Casualty

C

Personal Lines

C

Best Value

Premier
Property and Casualty

The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.

$299
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators
Online Flashcards

Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics

Recorded Exam Review Class

Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam

Prepared to Pass Promise

We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Standard
Property and Casualty

A solid foundation to prepare to pass your pre-licensing exam without all the extras. Ideal for those who are self-motivated and will prioritize learning on their own.
$199
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Life and Health

C

Property and Casualty

C

Personal Lines

C

Premier
Personal Lines

The ultimate package including everything you need to pass the first time or your money back. Ideal for those looking to maximize their studying with various learning formats.

$299
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators
Online Flashcards

Over 800+ flashcards to test your knowledge of fundamental terms & help reinforce key topics

Recorded Exam Review Class

Play and pause a recorded version of our 1-day Exam Review class to review critical concepts you must master before taking your exam

Prepared to Pass Promise

We're so confident in our ability to prepare you to pass your exam on the first try that we will refund you if you purchase our Premier Package and follow our 3-step process. Click here for terms.

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Standard
Personal Lines

A solid foundation to prepare to pass your pre-licensing exam without all the extras. Ideal for those who are self-motivated and will prioritize learning on their own.
$199
XCEL’s 3-Part Training Program
Pre-licensing Course:

An online self-study course that provides the foundational information and satisfies any applicable state requirements

Prep Review Course:

Scales down content to focus solely on the most important material with weighted chapters identical to the state exam

Exam Simulators:
Three exam simulators are unlocked after completing the prior exam and each is weighted identically to the state examination
Extended Access:
Get 30-day access to pre-licensing course & then unlock 30 days of access for prep review course and exam simulators

Printable Review Notes
Study Calendar
24/7 Interactive Online Learning Access
Study anywhere, anytime, on any device

Maryland State Insurance Licensing Requirements

HOW TO OBTAIN A MARYLAND INSURANCE PRODUCER LICENSE

Complete the prelicensing course.

  • Life Only – 20 hours
  • Accident & Health Only – 20 hours
  • Life, Accident & Health – 40 hours
  • Casualty Insurance – 20 hours
  • Property Insurance – 20 hours
  • Property and Casualty – 40 hours
  • Personal lines – 20 hours

Course requirements:

  • This is a forced progression (locked) state that requires the student to review each lesson and pass each of the chapter quiz before moving onto the next section/chapter.
  • Assessments on key topics throughout the course and must be successfully passed with a minimum score of 70% before moving onto the next chapter.
  • Mandatory final exam.

Eligibility Number:

  • The state of MD does not require a certificate of completion
  • Education Providers must issue an eligibility number to students (needed to schedule to the exam)
  • Eligibility numbers are valid for 6 months.
  • Course Completion rosters will be reported to PROMETRIC daily.
  • Students must wait at least 24 to 48 hours to schedule the state exam.

Schedule the Maryland State examination.

Limitation on repeat examinations:

  • There is a 4-day waiting period to schedule a retake exam.
  • There are no limitations on retaking the exam.
  • You must pass that state exam during the eligibility period which is 6 months otherwise you must retake the prelicensing course.

Online proctored exams:

  • You must check the compatibility of your computer before registering for the exam. https://rpcandidate.prometric.com/
  • If your computer is not compatible with the online software, you will need to schedule your examination at Prometric test center.

Pass your state exam

  • Take advantage of the cram courses (Prep Review and Exam Simulator) within your prelicensing course during the waiting period.
    • Prep Review Course: This part of the training features content “boiled down to the essence” of the state exam. Chapters have only a few pages of material, but the content must be mastered to pass. Instructionally designed to teach individuals how to pass, most study effort should be invested here. Chapter exams are substantially larger (50+ questions), providing exposure to the types of questions seen on the state exam.
    • Exam Simulator: These special exams are designed to gauge content retention levels. Important: Only take the Exam Simulators after the Prep Review Course has been successfully completed. It ensures these questions will be “fresh in the mind”.
  • On the day of testing, you must present a valid government issued photo id.

Apply for license

  • Submit license application online through www.nipr.com
  • Application fee $54
  • If you answer “Yes” to a background question on the application, submit your written statement accompanied by corresponding court documents (printouts from a court’s web site are not acceptable) as part of your NIPR electronic license application using the Attachments Warehouse
  • If you need to submit other additional documents as part of your NIPR electronic license application, use the Attachments Warehouse.
  • NIPR verifies exams prior to allowing submission of an application.

If you have any additional questions, please contac the MIA at (410) 468-2411 or 1-800-492-6116 (toll free).

Exam Outlines

DESCRIPTION Question Count % of Exam Questions
Life Health Life and Health Life Health Life and Health
Life Insurance
Insurance Regulation 24 24 39 30% 30% 30%
General Insurance 8 7 7 10% 9% 5%
Life Insurance Basics 14 0 12 18% 0% 9%
Life Insurance Policies 8 0 7 10% 0% 5%
Life Insurance Policy Provisions, Options and Riders 11 0 10 14% 0% 8%
Annuities 7 0 6 9% 0% 5%
Federal Tax Considerations for Life Insurance and Annuities 6 0 5 8% 0% 4%
Qualified Plans 2 0 2 3% 0% 2%
Health Insurance
Health Insurance Basics 0 9 9 0% 11% 7%
Individual Health Insurance Policy General Provisions 0 6 3 0% 8% 2%
Disability Income and Related Insurance 0 7 6 0% 9% 5%
Medical Plans 0 11 10 0% 14% 8%
Group Health Insurance 0 4 3 0% 5% 2%
Dental Insurance 0 1 1 0% 1% 1%
Insurance for Senior Citizens and Special Needs Individuals 0 7 7 0% 9% 5%
Federal Tax Considerations for Health Insurance 0 4 3 0% 5% 2%
Total for all parts
Total Scored Questions on Exam 80 80 130 80 80 130
Maximum Time allowed to complete exam in minutes 105 105 150 105 105 150
Passing Score 70 70 70 70 70 70

 

DESCRIPTION Question Count % of Exam Questions
Casualty Property Property and Casualty Life Health Property and Casualty
Casualty Insurance
Insurance Regulation 30 30 36 38% 38% 30%
General Insurance 7 7 8 9% 9% 7%
Casualty Insurance Basics 15 0 15 19% 0% 13%
Homeowners Policy 3 0 0 4% 0% 0%
Auto Insurance 9 0 5 11% 0% 4%
Commercial Package Policy 7 0 0 9% 0% 0%
Businessowners Policy 3 0 0 4% 0% 0%
Workers Compensation Insurance 3 0 4 4% 0% 3%
Other Coverages and Options 3 0 3 4% 0% 3%
Property Insurance
Property Insurance Basics 0 7 0 0% 9% 0%
Dwelling Policy 0 8 10 0% 10% 8%
Homeowners Policy 0 14 15 0% 18% 13%
Auto Insurance 0 3 5 0% 4% 4%
Commercial Package Policy 0 8 15 0% 10% 13%
Businessowners Policy 0 1 1 0% 1% 1%
Other Coverages and Options 0 2 3 0% 3% 3%
Total for all parts
Total Scored Questions on Exam 80 80 120 80 80 120
Maximum Time allowed to complete exam in minutes 105 105 150 105 105 150
Passing Score 70 70 70 70 70 70

Producer Licensing Checklist:

Task: Date Completed
1. Complete prelicensing course
2. Register for exam
3. Pass exam
4. Apply for license

Governing Agency

Name: Maryland Insurance Administration
Phone: 410-468-2411 Toll Free: 1-800-492-6116
Website: https://insurance.maryland.gov/Producer/Pages/default.aspx
Address: 200 St. Paul Place, Suite 2700 Baltimore, MD 21202

Working as an Insurance Agent

Property and Casualty Insurance Agents

What can you expect working as an agent? Property and casualty insurance agents work with clients to help secure policies that protect people and businesses from financial loss.

For individuals many of these events include automobile accidents, fire, theft. For businesses these events can include the same as individuals but can also include workers’ compensation claims, product liability claims, or medical malpractice claims.

Life Insurance Agents

What can you expect from working as an Insurance agent? Life insurance agents work with clients to help secure policies that pay beneficiaries when a policyholder passes away. Life insurance agents also can help people prepare for retirement by offering certain types of annuities.

Health and long-term care insurance agents work with clients to help secure policies that cover the costs of medical care and assisted-living services. They also can help clients secure dental insurance and disability insurance.

Why Students Choose XCEL

XCEL is the nation’s online insurance education industry leader. We provide you with all the tools and study material you will need to pass the state exam the first time. We understand how people learn and incorporate every detail of our knowledge to help you succeed.

Wide Variety
of Study Options

Our programs offer E-books, videos, simulated state exams, flashcards, review notes, and the best instructor support in the industry.

Proven
System

XCEL offers a unique three-step training program instructionally designed to prepare you to pass the first time.

Pass
Rates

XCEL is the nation’s most trusted provider of test-prep solutions for insurance industry licensing exams. Our courses are built around questions similar to those seen on the exams.

Don’t Delay, Start Today!

View insurance courses below to find out what pre-licensing courses are required for your state.