Maryland Life & Health Insurance Practice Test 2026
Practice the exam Maryland uses, from general life & health knowledge to Maryland's own insurance law. Every answer quotes the statute behind it.
General Insurance & Contract Law, Life Insurance Policies & Provisions, Annuity Products & Federal Taxation and Accident & Health Insurance, plus Maryland's own insurance law.
130 scored questions, 2 hours 30 minutes allowed. The passing score is set by Maryland; check the candidate handbook.
Last verified September 2026 · Life and Accident and Health or Sickness Producer
Study by topic
Master each topic before your Maryland exam. First 4 topics are free to start.
Pro study tools
The free runs cover the basics. These tools answer one question: would you pass the Life & Health test today?
About the Maryland Life & Health exam
The Life & Health exam licenses you to sell life insurance, annuities, and accident and health coverage. Every state writes its own version, and each one tests both general insurance knowledge and that state's insurance law.
What it covers
- Life insurance policy types, provisions and riders
- Annuities and how they are taxed
- Accident and health insurance, including HMOs and managed care
- Your state's producer licensing, marketing and unfair trade practice rules
Who takes it
New agents and career changers getting a first producer license, and agents adding life and health to an existing license.
What is on the Maryland Life & Health test
Maryland's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Insurance Regulation39 Qs
- General Insurance7 Qs
- Life Insurance Basics12 Qs
- Life Insurance Policies7 Qs
- Life Insurance Policy Provisions, Options and Riders10 Qs
- Annuities6 Qs
- Federal Tax Considerations for Life Insurance and Annuities5 Qs
- Qualified Plans2 Qs
- Health Insurance Basics9 Qs
- Individual Health Insurance Policy General Provisions3 Qs
- Disability Income and Related Insurance6 Qs
- Medical Plans10 Qs
- Group Health Insurance3 Qs
- Dental Insurance1 Qs
- Insurance for Senior Citizens and Special Needs Individuals7 Qs
- Federal Tax Considerations for Health Insurance3 Qs
Source: Prometric Maryland Life and Accident and Health or Sickness Producer - Combo, Series 20-30: 130 scored questions (plus 10 unscored), 2.5-hour time limit; the one-part exam introduced by the Maryland Licensing Information Bulletin effective October 21, 2021 (Maryland Life and Accident and Health or Sickness Producer - Combo (Series 20-30) - Exam Content Outline). Confirm current weights with the testing company before you book.
What to bring to the Maryland exam
Maryland official sources
- License required; insurance producerMd. Code, Insurance s. 10-104 · Maryland General Assembly (mgaleg.maryland.gov)
- Grounds for denial, suspension, or revocation of licenseMd. Code, Insurance s. 10-126 · Maryland General Assembly (mgaleg.maryland.gov)
- Unfair discrimination between individuals of the same class in life rates, dividends and benefitsMd. Code, Insurance s. 27-208 · Maryland General Assembly (mgaleg.maryland.gov)
- Prohibited inducements and rebates not specified in the contractMd. Code, Insurance s. 27-209 · Maryland General Assembly (mgaleg.maryland.gov)
- Rebating and inducements; willful collection of excess premiumMd. Code, Insurance s. 27-216 · Maryland General Assembly (mgaleg.maryland.gov)
- Fraudulent insurance act: acting without a licence or certificationMd. Code, Insurance s. 27-405 · Maryland General Assembly (mgaleg.maryland.gov)
- Insurance Producers and Other Insurance ProfessionalsMaryland Insurance Article Title 10, 103 sections · Maryland General Assembly, Department of Legislative Services (mgaleg.maryland.gov)
- Health Insurance, first halfMaryland Insurance Article Title 15, Secs. 15-101 through 15-815 · Maryland General Assembly, Department of Legislative Services (mgaleg.maryland.gov)
All Maryland insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Maryland provisions the questions on this page cite most often.
- Md. Code Ann., Ins. Title 10 § 10-118 · Producer Register: Applications From an Unappointed Producer3 questions
- Md. Code Ann., Ins. Title 27 § 27-103 · Order Does Not Relieve Other Liability3 questions
- Md. Code, Ins. § 10-104 · License required; insurance producer3 questions
- Md. Code, Ins. § 27-405 · Fraudulent Insurance Act3 questions
- Md. Code, Insurance § 10-126 · Grounds for denial, suspension, or revocation3 questions
- Md. Code, Insurance § 27-208 · Harmless Genetic Traits3 questions
- Md. Code, Insurance § 27-209 · Promotional Items Not Contingent on Sale3 questions
- Md. Code, Insurance § 27-216 · Credit Card Expenses and Payment Method Disclosure3 questions
Exam figures on this page were checked against official pages: Pre-licensing · Exam fee · License fee. Confirm anything you rely on with the testing company and the Maryland Department of Insurance.