$116 With the Combined Exam: Maryland Life & Health License Cost 2026

Getting a Maryland Life, Accident & Health producer license with both lines of authority costs $116 if you sit the combined exam once ($62) plus the $54 Insurance Producer application fee filed through NIPR — or $178 if you sit the two single-line exams separately ($62 + $62) plus the same $54 application fee.

There is no pre-licensing course sitting on top of either total: Maryland repealed its mandatory pre-licensing-education requirement effective October 1, 2024 (Chapter 874 of 2024). No fingerprint-based background check requirement turned up in any of the primary MIA, Prometric or NIPR documents checked for this page either — applicants instead answer background questions directly on the NIPR application, with supporting documents required only if they answer yes. The one cost worth planning for well in advance is renewal: budget $69, or $169 if you renew late.

• Required fees, both lines, first try, combined exam: $116
• Required fees, both lines, first try, two separate exams: $178
• Pre-licensing course: none required
• Fingerprint background check: no requirement found
• Exam preparation: $0 to several hundred dollars, your choice
• Each retake: another $62, per exam
• Renewal: $69 (plus a flat $100 if filed late, for $169 total)

1. Prometric Exam Fee — $62 per exam

Paid per attempt, per exam. A candidate who needs both lines of authority can sit the combined exam once for $62 total, or the two single-line exams separately for $62 + $62 = $124 total. The combined exam is the cheaper way to get both lines — one fee instead of two — and it is also faster: one 150-minute sitting instead of two 105-minute sittings on separate days.

2. Insurance Producer Application Fee — $54

Filed through NIPR (the National Insurance Producer Registry) after passing, the Insurance Producer application fee is $54 per license application, confirmed on both the MIA's own fee schedule and NIPR's Maryland resident-licensing page. Passing an exam does not itself guarantee licensure; NIPR still reviews the application.

3. Renewal Fee — $69

Once licensed, renewing an Insurance Producer license costs $69, with a flat $100 late-renewal fee added on top if you miss the deadline — $169 total for a late renewal.

Add the exam fee(s) to the application fee: $62 + $54 = $116 (combined exam), or $62 + $62 + $54 = $178 (two separate exams).

Maryland has not required a pre-licensing course since October 1, 2024: Chapter 874 of the Maryland General Assembly's 2024 Regular Session repealed the requirement, and the Maryland Insurance Administration's own Bulletin 24-19 confirms the same date. There is no course certificate to pay for and no seat-time requirement anywhere in the current Maryland Life or Accident and Health licensing path.

No fingerprint-based background check requirement was found in the MIA fee schedule, the Prometric candidate bulletins and FAQ, or NIPR's own Maryland resident-licensing page. Applicants instead answer background questions on the NIPR application itself, and supply supporting documents only if they answer yes to one of them. This is not a guarantee that no applicant will ever be asked to be fingerprinted; it is that no standard fingerprinting fee or requirement appears in the primary sources checked.

Every version of the exam passes at 70% or higher, and the 2024-2025 first-time pass rates — 51.1%/50.7% on the Life Producer exam, 66.8%/71.3% on the Accident and Health exam, 66.2% on the combined exam — mean preparation is a real line item, especially if you are sitting the Life Producer exam or the combined exam.

$0 — the free stack. Prometric's content outlines list the exact item count for every section of all three exam versions, and the MIA's FAQ explains the fee and passing-score rules. Together they tell you what is tested, not how it works. Free general-insurance material covers national concepts reasonably well and Maryland-specific law — producer licensing, unfair trade practices, replacement, Medicare supplement and long-term care rules under COMAR 31 — poorly or not at all.

$14.99-$79 — a focused exam-prep course. LanePrep's Maryland Life & Health course is nine audio chapters built from the Prometric content outlines, with chapter quizzes split by exam line and a dedicated chapter for Maryland insurance regulation. It costs $14.99 per month or $79 once as the Pass Package. Chapters 1 and 9 are free, no signup, so you can judge the format before paying for either.

Full packages. National prep providers sell bundles with video lectures and a textbook at several times the price of a focused course. Make sure any package you buy is built from the Prometric content outlines (20-27, 20-24 or 20-30, filename-dated September 21, 2021) and names Prometric, not another vendor, as the testing company.

Retakes — $62 each, per exam

Every attempt costs $62 again, whichever version you sit. A failed combined exam is retaken as the combined exam for another $62; a failed single-line exam is retaken as that single-line exam for another $62, and does not require retaking the other line if you already passed it.

Renewal

The $116 or $178 total above gets you licensed; it does not cover renewal. Budget $69 at renewal time, and renew on time — a late renewal adds a flat $100, for $169 total.

Treating the free stack as sufficient

Prometric's content outlines tell you what will be tested; they do not teach the material. A candidate who studies from the outline alone, without a course that actually explains Maryland's statutes and COMAR rules, is studying a syllabus, not a subject.

Three realistic budgets for a resident candidate pursuing both lines of authority on one application.

Pass the combined exam on the first attempt — $116 to $195

• Combined exam fee $62
• Insurance Producer application fee $54
• Preparation: free stack ($0), one month of LanePrep ($14.99) or the Pass Package ($79)

Pass both single-line exams on the first attempt — $178 to $257

• Life Producer exam fee $62
• Accident and Health exam fee $62
• Insurance Producer application fee $54
• Preparation: free stack ($0), one month of LanePrep ($14.99) or the Pass Package ($79)

One retake, combined exam — $178 to $257

• Everything in the combined-exam scenario above
• A second attempt at the combined exam: $62
• In practice, more preparation as well — the same preparation produced the first result

The gap between passing on the first try and needing one retake is $62 and however many days it takes to get a new seat. That is the arithmetic behind spending something on preparation: the most expensive study material is the kind that sends you back to retake an exam you already paid for once.

For most self-directed candidates the cost-optimal path is:

1. Decide whether you need one line of authority or both. If both, the combined exam is the cheaper and faster route.
2. Prepare with a focused course built for the outline you are actually sitting, so neither line becomes the one you retake.
3. Book and pass your exam(s) through Prometric, then apply through NIPR for your line(s) of authority ($54) — $116 all in with the combined exam, $178 with two separate exams.

LanePrep covers step 2: nine audio chapters built from the Prometric content outlines, chapter quizzes split by exam line, and a dedicated chapter for Maryland insurance regulation, for $14.99 per month or $79 once. Chapters 1 and 9 are free. For the exams themselves — format, weights and a week-by-week plan — read how to pass the Maryland Life & Health exam on your first try.

Fees from the Maryland Insurance Administration's license fee schedule, Prometric's 2024-10-01 FAQ, and NIPR's Maryland resident-licensing page. Pass rates from the NAIC 2024 and 2025 compiled pass-rate reports. Read October 2026.