Maryland’s ordinary first-time resident Life Producer pathway requires standalone Prometric exam 2027 and a producer application. Commissioner-approved prelicensing education is not required effective October 1, 2024. Variable Life and Annuity is separate.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Resident individual applicant
- General eligibility explanation
- Ordinary first-time Maryland resident individual seeking the separate Life major line.
Prelicensing education
- Prelicensing education required
- No
- Required education hours
- 0
- Education requirement explanation
- Effective October 1, 2024, applicants required to pass a producer examination no longer must complete a Commissioner-approved prelicensing program. Optional exam preparation remains advisable.
- Exemptions available
- Yes
- Exemption explanation
- Reciprocal and servicemember/spouse provisions are conditional. Confirm comparable active authority and eligibility before omitting an ordinary step.
Background
- Fingerprints required
- No
- Background check required
- No
- Fingerprint / background instructions
- The ordinary MIA initial-producer workflow and NIPR resident checklist do not identify routine fingerprint enrollment. This is a qualified workflow conclusion, not an absolute exemption; MIA may request case-specific documentation.
Application
- Application required
- Yes
- Application fee
- $54 state initial producer fee; live application-system transaction charges, if any, are separate and should be confirmed during filing.
- Application channel / system
- NIPR / Maryland producer application workflow
- Application instructions
- Pass standalone Life Producer exam 2027, then submit the NAIC Uniform Individual Application and applicable fee through the current Maryland/NIPR workflow.
- Official application reference
- https://insurance.maryland.gov/Producer/Pages/Producer-Initial-and-Renewal-Licenses.aspx
Renewal & maintenance
- Renewal cycle
- Biennial; individual license expires on the last day of the birth month
- Renewal fee
- $69 timely renewal; $169 total reinstatement within one year after expiration
- CE required
- Yes
- CE hours
- 24
- CE cycle
- Each biennial term
- Ethics hours
- 3
- CE explanation
- Resident major-line producers complete 24 approved CE hours including 3 ethics hours. No carryover is represented.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- Nonresident producer licensing is reciprocal when the applicant holds the corresponding home-state authority in good standing and Maryland receives reciprocal treatment.
Military / veteran / spouse
- Veteran-specific provisions
- Maryland provides conditional comparable-license recognition for qualifying relocated servicemembers and military spouses. It is not a blanket resident examination or fee waiver.
Source governance
- Primary authoritative source
- https://insurance.maryland.gov/Producer/Pages/Producer-Initial-and-Renewal-Licenses.aspx
- Secondary official sources
- MIA Bulletin 24-19; Prometric Maryland program, Licensing Information Bulletin and 2027 outline; NIPR Maryland resident individual requirements
- Statute / regulation reference
- Maryland Insurance Article §§ 2-112 and 10-103 through 10-408; Bulletin 24-19
- Source reference URL
- https://www.prometric.com/exams/mia/
- Last verified date
- 2026-08-24
- Verification status
- Verified
- Review / recheck date
- 2026-09-24
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