Life Producer (Prometric exam code 2027, Series 20-27)
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%, $62 per attempt, administered by Prometric. We sell study materials and practice exams for it, written from the official Maryland outline. The first questions are free, and the full License Pass is $149, yours until you pass. Below are the licensing steps, exactly what the exam covers, and free practice questions written to this state's outline.
At a glance
| Exam | Life Producer (Prometric exam code 2027, Series 20-27) |
| Scored questions | 80 |
| Pretest questions | about 10 (unscored) |
| Time limit | 105 minutes |
| Passing score | 70% |
| Exam fee | $62 |
| Testing vendor | Prometric |
| Retake rules | Must wait 4 days before retaking a failed exam; unlimited attempts, new $62 fee each registration |
| Prelicensing education | not required for the life line |
Verified against official Prometric materials, Outline effective 9/21/2021 (still linked as current from Prometric's MIA page, accessed Aug 2026); current Licensing Information Bulletin at prometric.com/files/mia/Maryland-Insurance-LIB.pdf. Specs change; confirm when you register.
How to get your Maryland life insurance license
- 1
Meet the basics
Be 18 or older and able to pass the background screening. Maryland handles licensing through the NIPR system like most states.
- 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%. About 62% of first-time life exam takers pass nationally (NAIC, latest published data).
- 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% | 24 questions |
| General Insurance | 10% | 8 questions |
| Life Insurance Basics | 18% | 14 questions |
| Life Insurance Policies | 10% | 8 questions |
| Life Insurance Policy Provisions, Options and Riders | 14% | 11 questions |
| Annuities | 9% | 7 questions |
| Federal Tax Considerations for Life Insurance and Annuities | 7% | 6 questions |
| Qualified Plans | 2% | 2 questions |
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 National Association of Insurance Commissioners
- D. The Maryland Department of Labor
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. An illegal inducement or rebate
- B. Permissible marketing under fair competition
- C. A lawful policy dividend
- D. A required disclosure to the applicant
Show the answer
Answer: A
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 individual employee
- B. The employer that holds the master policy
- C. The state insurance department
- D. Each named beneficiary
Show the answer
Answer: B
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. A cluttered stairway in a home
- B. A policyholder who lies about her health on an application
- C. Icy sidewalks in winter
- D. Storing gasoline near a furnace
Show the answer
Answer: B
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.
General Insurance Concepts - risk terms
Question 5How does apparent authority differ from implied authority?
- A. Apparent authority is created by the insurer's conduct toward third parties, while implied authority arises from the acts needed to perform express duties
- B. Apparent authority is written in the contract, while implied authority is spoken
- C. Apparent authority applies only to claims, while implied authority applies only to sales
- D. Apparent authority is granted by the commissioner, while implied authority is granted by the producer
Show the answer
Answer: A
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.
General rules of agency (express, implied, apparent authority) as tested in the Maryland producer outline.
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% 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?
Must wait 4 days before retaking a failed exam; unlimited attempts, new $62 fee each registration. About 62% of first-time life exam takers pass nationally (NAIC, latest published data). 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 state-approved prelicensing education provider, and practicing here does not by itself satisfy any state's education requirement.
If your state requires prelicensing education, you must complete it with an approved provider; your state insurance department publishes the approved list. What we do is make sure that when you sit down for the real exam, the questions feel familiar.
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.
A free placement plus free practice questions. No card to start.