Maryland life line
The Maryland life insurance exam.
The Maryland life insurance exam is 80 scored questions, about 10 unscored pretest questions, in 105 minutes, passing at 70 percent, $62 per attempt, administered by Prometric. We sell study materials and practice exams for it, written from the official Maryland outline. The first 20 study questions are free, and the full License Pass is $79, yours until you pass.
At a glance
| Exam | Maryland Life Producer |
| Scored questions | 80 |
| Pretest questions | about 10 (unscored) |
| Time limit | 105 minutes |
| Passing score | 70 percent |
| Exam fee | $62 |
| Testing vendor | Prometric |
| Retake rules | You wait 4 days before retaking a failed exam. Attempts are unlimited, and each registration costs a new $62 fee. |
| Prelicensing education | not required for the life line |
Checked against Prometric's official materials. Specs change, so confirm them when you register.
How to get your Maryland life insurance license
- 1
Meet the basics
Maryland sets its own age, background check and application rules. The Maryland insurance department lists them, so read them before you book.
- 2
Study the exam outline
Maryland does not require prelicensing education for the life line, so your preparation is the whole game. Study the official outline below and drill practice questions until every section holds.
- 3
Book the exam with Prometric
Register at Prometric, pick a test center or online proctoring where offered, and pay the $62 exam fee.
- 4
Pass the exam
Walk in knowing the format, 80 scored questions in 105 minutes, passing at 70 percent. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results).
- 5
Apply for the license and get appointed
Submit the license application (fingerprints where required), then get appointed with carriers so you can write business.
What the Maryland exam covers
From the official exam outline, each section's share of the exam and how many of the 80 scored questions it earns.
| Section | Weight | Questions |
|---|---|---|
| Insurance Regulation | 30 percent | 24 questions |
| General Insurance | 10 percent | 8 questions |
| Life Insurance Basics | 18 percent | 14 questions |
| Life Insurance Policies | 10 percent | 8 questions |
| Life Insurance Policy Provisions, Options and Riders | 14 percent | 11 questions |
| Annuities | 9 percent | 7 questions |
| Federal Tax Considerations for Life Insurance and Annuities | 8 percent | 6 questions |
| Qualified Plans | 3 percent | 2 questions |
These shares are the ones the official Maryland outline prints. It rounds each share to a whole number, so together they add to 102 percent.
Free Maryland practice questions
Original questions written to the Maryland outline, the same bank our students drill. Tap a question to check the answer.
Question 1In Maryland, who is responsible for regulating insurance producers and issuing their licenses?
- A. The Maryland Attorney General
- B. The Maryland Insurance Administration
- C. The Maryland Department of Labor
- D. The National Association of Insurance Commissioners
Show the answer
Answer: B
The Maryland Insurance Administration (MIA), headed by the Insurance Commissioner, licenses and regulates producers in the state. The Attorney General handles general legal matters for the state, not insurance licensing. The NAIC is a national coordinating body with no direct licensing authority. The Department of Labor handles employment matters, not insurance producers.
Md. Code, Insurance Article, Title 2 (Insurance Commissioner authority)
Question 2Under Maryland's unfair trade practices law, offering a client free concert tickets to persuade her to buy a life policy is best described as what?
- A. A required disclosure to the applicant
- B. A lawful policy dividend
- C. An illegal inducement or rebate
- D. Permissible marketing under fair competition
Show the answer
Answer: C
Giving something of value not specified in the policy to induce a sale is an unlawful inducement or rebate. It is not permissible marketing because it gives an unfair advantage and treats buyers unequally. A dividend is a return of surplus paid under the policy, not concert tickets. It is not a disclosure; disclosures are information given to the applicant, not gifts.
Md. Code, Insurance Article, Title 27 (Unfair Trade Practices, rebating)
Question 3A person is covered under a group life insurance policy provided by his employer; who is the policyholder in this arrangement?
- A. The state insurance department
- B. The individual employee
- C. Each named beneficiary
- D. The employer that holds the master policy
Show the answer
Answer: D
In group life the employer or organization holds the master policy and is the policyholder, while employees receive certificates of coverage. The employee is a certificate holder, not the policyholder, so the first is wrong. The state does not hold the policy, so the third is wrong. Beneficiaries only receive proceeds, so the fourth is wrong.
Md. Insurance Code Title 16 (Group Life Insurance)
Question 4Which situation is an example of a moral hazard rather than a physical hazard?
- A. Storing gasoline near a furnace
- B. Icy sidewalks in winter
- C. A policyholder who lies about her health on an application
- D. A cluttered stairway in a home
Show the answer
Answer: C
A moral hazard comes from a person's character or dishonesty, such as lying to gain coverage or benefits. A cluttered stairway, icy sidewalks, and stored gasoline are all physical conditions that increase the chance of loss, which makes them physical hazards, not moral hazards.
Question 5How does apparent authority differ from implied authority?
- A. Apparent authority applies only to claims, while implied authority applies only to sales
- B. Apparent authority is created by the insurer's conduct toward third parties, while implied authority arises from the acts needed to perform express duties
- C. Apparent authority is granted by the commissioner, while implied authority is granted by the producer
- D. Apparent authority is written in the contract, while implied authority is spoken
Show the answer
Answer: B
Apparent authority comes from how the insurer's conduct leads outsiders to believe the producer has power, while implied authority is the incidental power needed to carry out the express duties. Neither type is written in the contract; that describes express authority. Both types can apply to many functions, not just claims or sales. Neither is granted by the commissioner or by the producer alone.
Take the free Maryland practice test, every question with the answer and the explanation
Maryland exam FAQs
How many questions are on the Maryland life insurance exam?
80 scored questions, plus about 10 unscored pretest questions mixed in, with 105 minutes on the clock.
What score passes the Maryland exam?
You need 70 percent to pass.
How much does the Maryland life insurance exam cost?
The exam fee is $62 per attempt, paid to Prometric. Licensing application and fingerprint fees are separate.
What happens if I fail the Maryland exam?
You wait 4 days before retaking a failed exam. Attempts are unlimited, and each registration costs a new $62 fee. About 57 percent of first-time life exam takers pass nationally (NAIC, 2025 results). Failing once is common, and the fix is drilling the sections your score report names.
Does Maryland require prelicensing education before the exam?
No. Maryland does not require prelicensing education for the life line, which means how you study is up to you and practice exams carry more of the load.
What RingReady is, and is not
RingReady sells study materials and practice exams for the life insurance licensing exam. We are not a prelicensing education provider on any state's list, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with a provider your state insurance department lists. The department publishes that list. What we do is help the questions feel familiar when you sit down for the real exam.
Practice the Maryland exam until it feels familiar.
Practice questions written to every section of the outline above, full timed practice exams matched to the real format (80 questions, 105 minutes), and a mastery map that shows what to study next.