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MD Pre-Licensing requirements

Candidates must have satisfactorily completed a 96-hour approved course for P&C or a 60-hour approved course for L&H. A certificate of completion will have to be submitted in order to take the examination.

Some exemptions from the pre-licensing requirements are available:

  • Individuals who have regularly been employed by an insurer or producer in responsible duties may be exempt from the pre-licensing education if they are able to provide an employer affidavit. An affidavit is available here.
  • Applicants previously licensed in another state may bring a letter of clearance from their former home state.
  • Holders of the CPCU*, CIC, FCAS, AAI or ARM designations are exempt from P&C pre-licensing education. 
  • Holders of the CLU*, Fellow of the Society of Actuaries, CIC, CEBS, ChFC, CFP, FLMI or LUTCF are exempt from the Life pre-licensing education.
  • Holders of the RHU, CEBS, REBC or HIA are exempt from the Health pre-licensing education.

* must also be in good standing with the American Society of CPCU or CLU (as applicable)

How to get a license?

Once you have satisfied the pre-licensing requirements, you must pass a licensing examination.  The examination will correspond to the line of authority you are applying for. You must then file an application with the Maryland Insurance Administration (MIA).

You can apply:

  • online under a "firm" application (preferred) with a credit card, or

  • by downloading a paper application from the MIA's Web site (scroll down to Initial Licensing Forms) and mailing it in.