Producers - Life & Health; Property & Casualty
24 CE hours*, including 3 hours of ethics, are required every 2-year license term.
*See Special Training/Education Requirements below.
Special Training/Education Requirements
Category restrictions
For combined Life/Health and Property/Casualty producers, the student must complete at least 6 hours (25%) of the 24-hour requirement in each line. The remaining 12 hours may be fulfilled in either line.
Note:Courses approved for Flood will only meet the Flood requirement and will not satisfy the minimum 6 hours required to be completed for the Property/Casualty line.
Annuity Training Requirements
Before selling, soliciting, or negotiating annuity products in Maryland, producers must complete a one-time annuity training course approved for at least 4 hours.
Long-Term Care (LTC)
Continuing Education Requirement
- If a producer sells, solicits or negotiates long term care insurance, the continuing education requirement under MD law requires a producer to complete 2 continuing education hours in long term insurance.
Training Program Requirement
- Initial 8-hour LTCP training requirement: Before selling, soliciting, or negotiating LTCP insurance products in Maryland, producers must complete an initial 8-hour, state-approved LTC training course. Producers may take any 8-hr NAIC approved LTC course for use in any licensed state.
- Ongoing 4-hour LTCP training requirement: After completing the 8-hour initial training requirement, LTCP producers who still sell, solicit, or negotiate LTCP policies, must complete 4 hours of state-approved Maryland LTC training every 2 years thereafter. Producers may take any 4-hr NAIC approved LTC course for use in any licensed state.
Flood Insurance
All Maryland producers authorized to sell flood insurance policies must complete 2 hours of flood approved courses every 2 years.
Nonresident producers are not required to complete the Maryland CE requirements as long as the producer has met the continuing education requirements for his or her home state. If the home state does not have a CE requirement, the producer must complete the CE requirements for Maryland. Nonresident producers may complete all of the Maryland CE requirements through self-study.
Special Training/Education Requirements
Annuity Training Requirements
- Before selling, soliciting, or negotiating annuity products in Maryland, producers must complete a one-time annuity training course approved for at least 4 hours. *Nonresidents who satisfy the training requirements of another state that are similar to Maryland's law will be deemed compliant for Maryland’s requirement.
Long-Term Care Partnership (LTCP)
- Initial 8-hour LTCP training requirement: Before selling, soliciting, or negotiating LTCP insurance products in Maryland, producers must complete an initial 8-hour, state-approved LTC training course. Nonresident producers may take any 8-hr NAIC approved LTC course for use in any licensed state.
- Ongoing 4-hour LTCP training requirement: After completing the 8-hour initial training requirement, LTCP producers who still sell, solicit, or negotiate LTCP policies, must complete 4 hours of state-approved Maryland LTC training every 2 years thereafter. Nonresident producers may take any 4-hr NAIC approved LTC course for use in any licensed state.
The license term is every 2 years ending on the last day of the producer's birth month. Please note that continuing education must be completed prior to the licensee’s expiration date. For example, if the producer’s license expires on May 20, courses must be completed on or before May 19.
A course may not be taken for credit more than once within a 2-year license term. If a course is repeated in two consecutive 2-year license terms, there must be at least 6 months between the course completions to receive credit.
Excess CE hours may not be carried forward to the next 2-year license term.
The following individuals are exempt from CE requirements:
- If prior to October 1, 2008 a resident licensee has been consecutively licensed for 25 or more years their continuing education requirement is 8 hours.
- Individuals authorized to sell only HMO coverage, travel insurance, and credit insurance
- Maryland attorneys who hold a producer license to sell title insurance and are in good standing with the Maryland Court of Appeals
- Nonresident producers who have met the continuing education requirements of their home state.
Exam proctor requirements
Self-study final exams do not require a monitor.
Exam rules
Self-study final exams are closed book. Licensees may not refer to the course material during the exam. The final exam must be passed with a score of 70 percent or higher to receive credit. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.
A roster fee of $1.00 per credit hour ordered is required to process course completion hours in Maryland and will be added to the order total upon checkout.
Net Study provides information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither Net Study nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.
Baltimore, MD 21202
Fax: 800-735-7977
Email: pro.ce-services@prometric.com
Web site: www.prometric.com