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Maryland Life & Health Insurance Agent Exam: Fees, Registration & Licensing Steps

Official exam fees, registration links, fingerprinting, license types, and non-resident notes — all in one place.

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Home / Maryland
MD
Become a licensed Life & Health insurance agent in

Maryland

Verified Nov 8, 2026 · Source: Licensing Information Bulletin, effective October 1, 2026

Testing vendor
Prometric
Testing format
Available — the official program describes both test-center and remote scheduling.
Before registering
Approved prelicensing study is no longer required for producer applicants; review the current licensing bulletin.

Exam options & fees

  • Life Producer$65License application basis: $54 · Source
  • Accident and Health or Sickness Producer$65License application basis: $54 · Source
  • Combined Life and Accident and Health or Sickness Producer$65License application basis: $54 · Source

License application amounts are not a new charge for every exam component. Separate examinations, combined examinations and discounted sessions are labeled above.

Other licensing costs

  • License application — standard Life / Health route$54Official source
  • NIPR transaction — only if applying through NIPR$5.60 per applicationOfficial source
  • Other vendor / processing chargesCheck the official page for any additional processing chargesOfficial source
  • Fingerprinting / backgroundFingerprinting costs are listed below. Some states collect them with your application; any included charge is not an additional fee.

Go directly to the official source

Register / schedule your examFind test centers / locationsCandidate handbook / official exam guideOfficial examination fee sourceState insurance licensing authorityResident license application requirements

Location and remote availability depend on examination eligibility, date and vendor rules.

Register for the Maryland insurance agent exam

  1. Approved prelicensing study is no longer required for producer applicants; review the current licensing bulletin.
  2. Open the official testing program; create an account using the legal name on your identification.
  3. Choose the correct examination and permitted testing format, select an appointment, and pay the official examination fee.
  4. Keep the confirmation. Review the handbook’s exact name-match, photo ID, certificate, check-in, cancellation and retake requirements.

After passing

Submit the producer application and required fee following the Maryland Insurance Administration instructions.

Source differences & fee cautions

  • Exam · Fee detailsThe current dated bulletin lists $65; the older $62 FAQ is out of date.

Fingerprinting & background checks

Requirement
Conditional — confirm the state’s instructions
State instructions
The standard resident checklist lists no routine fingerprints. Applicants needing written consent under COMAR31.03.12.03 for felony dishonesty, breach of trust or specified federal violations must obtain a criminal-records check and two complete fingerprint sets under COMAR31.03.12.04(D). Expunged or pardoned convictions are excepted under .03(C).
Vendor / contact
Maryland DPSCS CJIS; authorized private or government fingerprint provider for conditional written-consent records check · Maryland Insurance Administration: 410-468-2000 / 800-492-6116; CJIS: 410-764-4501 / 888-795-0011
Separate cost
Conditional full state/FBI check: CJIS $33.00 mail-in; $53.00 in person (general authorized-agency schedule)
Confirm with the state. MIA-specific CJIS authorization/ORI and conditional insurance routing not verified; contact MIA before ordering. These are general authorized-agency CJIS state/FBI rates. Confirm the amount and routing for your insurance application with the Maryland Insurance Administration.

When to fingerprint, fee details & official sources

When in the process
If written consent is required, arrange criminal-record check as part of consent application and submit a copy of the records-check application to Commissioner under COMAR31.03.12.04(D)(2). Standard license checklist has no universal fingerprint step.
Fee / route notes
CJIS rates reflect the October1,2026 federal fee change. The in-person $53 charge already includes the $20 CJIS service fee. Private-provider collection fees vary. Confirm the insurance-specific authorization, ORI and routing with the Maryland Insurance Administration before ordering; an ordinary producer application has no confirmed routine fingerprint charge.
Official fingerprint scheduling / instructions

Additional life-related, restricted & specialty license types (3)

These are not shortcuts to unrestricted Life & Health authority. Appointment, securities, employer, tenure and exemption conditions can apply.

  • Insurance Producer — Credit

    Examination
    No state insurance examination required for this authority
    Exam fee
    Not required — state insurance exam
    Application
    $54
    Official source 1Official source 2

  • Insurance Producer — Variable Life and Variable Annuity

    Examination
    No state insurance examination required for this authority
    Exam fee
    Not required — state insurance exam
    Application
    $54
    Official source 1Official source 2

  • Viatical Settlement Broker — Viatical Settlement Broker (specialty)

    Confirm with the state
    Examination
    Exact specialty examination / exemption: confirm with the state
    Exam fee
    See official page
    Application
    $250

    Specialty settlement brokerage is not the standard Life insurance agent license. Underlying Life-license tenure, registration exemptions and other eligibility rules may apply; confirm before paying.

    Official source 1Official source 2

Non-resident licensing summary

Already licensed in another state? Qualifying matching Life / A&H authority usually does not require a new target-state exam. Home-state-dependent fees, fingerprint exemptions and other conditions differ from the resident path. Confirm your final eligibility and payment total on the official application.

Non-resident state fees

Life-only state application
$54
A&H-only state application
$54
Life + A&H in the same application
$54
NIPR transaction — separate, only for NIPR applications
$5.60 general initial-application transaction fee; confirm the final charge for your selected state and application with NIPR before paying.

Per application; Insurance Producer amendments $0.

Fingerprinting & background

Requirement
Conditional — review official home-state rules on the interactive map and the target-state instructions
State instructions
Insurance §10-119(a)-(b) waives routine additional fingerprints for qualifying reciprocal producers. Applicants needing separate written consent under 18 U.S.C. §1033 and COMAR 31.03.12 must provide two fingerprint sets under .04(D)(1)(b). This criminal-history consent process is separate from routine non-resident licensing.

Continuing education and other notes

Home-state CE requirements apply; if home state has no CE, Maryland CE applies and can be completed by correspondence. Active equivalent home-state producer license required; variable products need FINRA/series proof.

Non-resident license types

  • Insurance Producer

    Lines
    Life
    Fee
    $54

  • Insurance Producer

    Lines
    Accident & Health (Health/Sickness)
    Fee
    $54

  • Insurance Producer

    Lines
    Life, Accident & Health (Health/Sickness)
    Fee
    $54

    Both authorities on one application, not necessarily a distinct combined license class.

General non-resident rules

  • Home-state identity/license record in NIPR Producer DatabaseApplication identifying/license/address fields specified on the NIPR target-state requirements page must match current resident-state PDB record. Correct home record before applying.
  • Home state has no CE requirementMust comply with Maryland CE (correspondence permitted).
  • Home-state license valid and reciprocal; applicant additionally needs 18 U.S.C. §1033 written consentOrdinary application requirements waived under §10-119; separate COMAR 31.03.12 written-consent process requires two sets of fingerprints where applicable.

Official non-resident application links

NIPR online licensingNIPR target-state requirements and fees

Explore the interactive non-resident path for Maryland