MD L&H
Maryland Life & Health Insurance License Exam
Maryland regulates Life & Health producer licensing through Maryland Insurance Administration (MIA), with the exam delivered by Prometric. Exam code 2030 'Life and Accident and Health or Sickness Producer – Combo' is a single combined exam (Maryland does not offer separate Life-only/Health-only producer exams as an alternative path for this license). Maryland does not require prelicensing education hours for this line. C3RT includes Life & Health practice content built specifically for Maryland, covering national concepts plus Maryland statute, producer duties, and ethics.
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MD L&H Exam Overview
| Detail | Information |
|---|---|
| Full Name | Maryland Life & Health Insurance License Exam |
| Governing Body | Maryland Insurance Administration (MIA) |
| Category | Insurance Licensing |
| C3RT App Available On | iPhone, iPad, and Mac |
| Official Source | Maryland Insurance Administration (MIA) official website ↗ |
MD L&H Content Areas and Domains
Domain areas are sourced from the Maryland Insurance Administration (MIA) content outline.
Topics Covered
- ✓ Life insurance basics and policy types
- ✓ Life policy provisions, riders, and options
- ✓ Annuities
- ✓ Health insurance and medical expense plans
- ✓ Disability income
- ✓ Group life and health
- ✓ Federal tax treatment
- ✓ Maryland insurance law and regulations
How C3RT Helps You Pass the MD L&H
Adaptive Practice
Questions adapt to your weak areas automatically so every study session on the MD L&H is time well spent.
Diagnostic Mocks
Full-length mock exams timed to the real MD L&H format with detailed score breakdowns by topic.
Mistake Bank
Every wrong answer is saved for targeted re-drill. The system resurfaces your mistakes until they stick.
Native on iOS & Mac
Built with SwiftUI, not a web wrapper. Instant load, offline support, hardware-speed rendering.
Sample MD L&H Practice Questions
Q1.An agent in Maryland is processing a life insurance application for a minor. According to state regulations, what must the insurer request from the applicant regarding other policies?
- The amount of other life insurance coverage on that minor that is in force or pending.Correct
- The applicant does not need to disclose any existing policies on the minor.
- Insurers only need to check for other coverage if the total amount exceeds $100,000.
- A statement confirming that no other life insurance policies currently exist for the minor.
Maryland law specifically requires insurers to request the amount of other life insurance in force or pending on a minor. The distractors are incorrect because there is no $100,000 threshold and disclosure is mandatory regardless of whether other policies exist.
Q2.A Maryland insurer issues a $40,000 life insurance policy on a minor without an underwriting process. According to state regulations, what must the insurer do?
- The insurer is exempt from documentation because the policy is under $50,000.
- Underwriting is mandatory for all policies issued on minors regardless of the face amount.
- The insurer must document steps taken to verify the total amount of life insurance in force or pending.Correct
- The insurer must notify the minor's guardian that no verification was performed.
In Maryland, even if a policy on a minor is $50,000 or less and non-underwritten, the insurer must still document steps to verify total life insurance in force. The other options incorrectly suggest that documentation is unnecessary for low amounts or that underwriting is universally required.
Q3.In Maryland, which type of insurance policy is specifically designed to replace the wages of an insured individual who is unable to work due to a sickness or accident?
- Major Medical Policy
- Disability Income Insurance PolicyCorrect
- Hospital Expense Insurance Policy
- Special Risk Policy
A Disability Income Insurance Policy is specifically defined to replace lost wages. Major Medical and Hospital Expense policies cover medical costs rather than income replacement.
MD L&H Frequently Asked Questions
What does MD L&H stand for?
MD L&H stands for Maryland Life & Health Insurance License Exam. It is administered by Maryland Insurance Administration (MIA).
Who administers the MD L&H?
The Maryland Life & Health Insurance License Exam (MD L&H) is administered by Maryland Insurance Administration (MIA). For official information, visit the Maryland Insurance Administration (MIA) website.
Does Maryland have a combined Life & Health exam?
Exam code 2030 'Life and Accident and Health or Sickness Producer – Combo' is a single combined exam (Maryland does not offer separate Life-only/Health-only producer exams as an alternative path for this license). Check Maryland Insurance Administration (MIA) for the current exam-registration process.
Does Maryland require prelicensing education for Life & Health?
No. Maryland does not require prelicensing education hours for a Life & Health producer license as of August 2026.
What score do I need to pass the Maryland Life & Health exam?
Maryland requires 70% on the Life & Health exam. Confirm the current standard with Maryland Insurance Administration (MIA), since passing standards can change.
Is the Life & Health exam different in Maryland than in other states?
Partly. Core Life & Health concepts are broadly similar nationwide, but Maryland tests its own statute, regulations, and producer duties, and its exam structure, fees, and prelicensing requirements are set independently by Maryland Insurance Administration (MIA).
C3RT is a native iOS and macOS exam preparation platform covering the Maryland Life & Health Insurance License Exam (MD L&H), a Insurance Licensing certification, administered by Maryland Insurance Administration (MIA). C3RT is not affiliated with or endorsed by Maryland Insurance Administration (MIA). Certification names and trademarks are the property of their respective organisations. For official exam registration, eligibility requirements, and content outlines, visit the Maryland Insurance Administration (MIA) official website ↗ .