Maryland Seal

Maryland

state commissioner

Kathleen Birrane

STATE phone
(888) 204-6198
STATE LICENSE DIVISION ADDRESS

Maryland Insurance Administration

Appointments & Terminations

Required to report appointments?

No, Registry

Initial appointment deadlines

For motor club, prior to the solicitation of business

Initial appointment deadline rule

Property/Casualty authorizations must be added to carrier's internal list within 30 days of the effective date and before the producer begins selling. Life/Health authorizations must be added to the list within 30 days of the date the first piece of business is accepted by the carrier. Motor club appointments must be proactively reported to the state and must be in place for both agency and individual motor club producers prior to the solicitation of insurance business on the carrier's behalf.

Can be processed via nipr?

Yes

Fees for appointing a resident agency or individual?

$2 (motor club only)

Fees for appointing a nonresident agency or individual?

$2

Appoint agencies?

Yes

Agency appointment covers affiliated producers?

No

Appointment effective date can be specified?

Yes

Appointment effective date rule

Required and is the date supplied on transaction. Must be less than 15 days old.

State requires appointment renewal?

Yes

Appointment renewals via

Via NIPR Portal

When is the state renewal period?

June 1, 2022 until August 31, 2022

Appointment renewal fee

Motor Club Representative: $2 per appointment

Terminations processed via NIPR?

Yes

Termination reasons

Registry State - Cancelled; cancelled for cause

Termination date can be specified by carrier?

Yes

Termination Effective date rule

Required and is the date supplied on transaction. Must be less than 15 days old

Licensing

Initial individual new license fee

Resident New License Insurance Producer: $54 Resident New License Surplus Lines Broker: $100 (If date of application is less than a year from insurance producer license expiration) Resident New License Surplus Lines Broker: $200 (If date of application is greater than a year from insurance producer license expiration) Non Resident New License Insurance Producer: $54 Non Resident New License Surplus Lines Broker $100.00 (If date of application is less than a year from insurance producer license expiration) Non Resident New License Surplus Lines Broker $200.00 (If date of application is greater than a year from insurance producer license expiration)

License renewal fee

Resident Renewal Insurance Producer: $69 Resident Renewal Surplus Lines Broker: $200 Non Resident Renewal Insurance Producer: $69 Non Resident Renewal Surplus Lines Broker: $200

When does the resident individual producer license renewal period begin?

90 days before expiration

What is the resident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

Late renewal or reinstatement period for resident individual producer license?

Late renewal allowed up to one year after expiration

When does the nonresident individual producer license renewal period begin?

90 days before expiration

What is the nonresident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

Late renewal or reinstatement period for nonresident individual producer license?

Late renewal allowed up to one year after expiration

Can a producer use a P.O. Box in their resident or business address?

No

Are individuals required to list their county as part of the address?

No

What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Viatical Settlement Broker, Surplus Lines Broker, Public Adjuster, Insurance Producer, Motor Club Representative, Adviser, Third Party Administrator ERISA Only, Temporary Producer, Self-Service Storage Producer

State broker license rule

Included under Producer License producer who does not have an appointment may: A) submit an informal inquiry to the insurer for the kind of insurance covered by the licensee's license; and B) solicit an application for the kind of insurance covered by the licensee's license.

Broker license notes

Only a producer that is representing an insurer must obtain an appointment. producer who does not have an appointment may: a. submit an informal inquiry to the insurer for the kind of insurance covered by the licensee's license; and b. solicit an application for the kind of insurance covered by the licensee's license

Requires pre licensing courses?

Yes

Study method requirements

Supervised instruction or verifiable self-study

Submission of completion certificate rule

Education providers will provide the candidate's eligibility electronically to PSI (the test administrator) upon successful completion of the course requirements.

How long is the pre licensing certification valid?

Course completion certificate is valid for 1 year

Exemptions to pre licensing requirements

The Commissioner may waive the requirements for property or casualty insurance license applicants if the applicant has the following designations: a. Chartered Property Casualty Underwriter (CPCU) (must be a member in good standing); b. Fellow of the Casualty Actuarial Society; c. Certified Insurance Counselor (CIC); d. Accredited Adviser in Insurance (AAI); or e. Associate in Risk Management (ARM). The Commissioner may waive the requirements for life insurance license applicants if the applicant has the following designations: a. Chartered Life Underwriter (CLU) (must be a member in good standing); b. Fellow of the Society of Actuaries; c. Certified Employee Benefit Specialist (CEBS); d. Chartered Financial Consultant (CHFC); e. Certified Insurance Counselor (CIC); f. Certified Financial Planner (CFP); g. Fellow, Life Management Institute (FLMI); or h. Life Underwriter Training Council Fellow (LUTCF). The Commissioner may waive the requirements for health insurance license applicants if the applicant has the following designations: a. Registered Health Underwriter (RHU); b. Certified Employee Benefit Specialist (CEBS); c. Registered Employee Benefit Consultant (REBC); or d. Health Insurance Associate (HIA).

Fingerprints Required?

Not Required

Citizenship requirement details

Non-citizens of the U.S. must have a resident license for selling insurance in one of the fifty (50) U.S. states

Where to apply for resident license?

NIPR Gateway

What Transactions are Retaliatory Fees Applied to?

None

Submit Partial License Renewals through NIPR?

No

Has Personal Lines LOA?

Yes

Deadline to report personal data changes (address, name change, phone number, etc.)

A producer must notify the Commissioner of a change of legal name, trade name, email address, or address within 30 days of the change. Contact Change Request supported via NIPR Gateway.

Agency

Can a sole proprietor be licensed as an entity?

No

DRLP must have active state license

Yes

DRLPs must cumulatively cover all LOAs in application

No

Agency Licensing renewals

90 days prior to expiration until the expiration date. Late renewal period ends 60 days after expiration date.

Agency License required?

No

Affiliations: Indicates if producers selling on behalf of/through an entity must be formally affiliated with that entity and if the entity must notify the department of changes

No

Branch office

Branch office must be licensed

Adjuster

Requires adjuster license?

Only Public Adjusters

Offers designated home state?

No

DHS exam required?

N/A

Reciprocity states

None

Independent adjuster renewal date

Biennially, on June 30th of every other year. Renewal period starts 90 days before this date.

Apprentice adjuster license LOAS

No LOA required

Apprentice adjuster license duration

1 Year

Apprentice adjuster license details

The license cannot exceed 12 months

Emergency adjuster details

Adjuster is required to hold an individual license and create a contract.

Continuing Education

Total hours per renewal period

24

Renewal period

2 years

License renewal date is

Last day of birth month

License renewal year based on...

Year of first license issuance

When is the CE due?

15 days prior to license expiration.

How long before expiration does state send CE reminder?

90 days prior to expiration date

Exemptions to CE

Producers whose licenses were active for 25 years or more as of Oct. 1, 2008, need only 8 hours CE per renewal period. Those who were 70 as of April 30, 2013, are exempted from CE entirely. Most limited lines agents are exempt from CE. Maryland attorneys who only hold title line insurance licenses and are current on legal CE are exempt from insurance CE.

What if a producer missed the renewal date?

Licensee may complete their CE, submit the state’s late fee and the standard renewal fee, and have their license reinstated within one year of expiration. Past one year, they're going to have to reapply as a new applicant.

CE instructors get credit for teaching courses?

Yes, 1.5 times attendee credits

Ethics requirements

3 hours ethics and consumer protection

Flood-specific CE requirements

2 hours designated flood as part of Property & Casualty license

LTC-specific CE requirements

LTCI Partnership: 8-hour initial certification, with 4 hours of LTC-specific training every two years General LTCI: 2 hours in course designated LTC as part of Life & Health hours

Annuity-specific CE requirements

One-time, 4-hour course

Regulatory Updates

Maryland Insurance Administration Releases Bulletin on Code of Maryland Regulations Revisions for Comment

On January 9, 2024, Maryland Insurance Administration released bulletin No. 24-2 for Code of Maryland Regulations notifying title insurers, title insurance agencies, and title insurance producers writing title insurance about 2022 legislative session amendments.

Maryland Added Flood CE Requirement

Effective October 1, 2023, Maryland will require that property and casualty insurance producers who sell homeowners insurance or commercial property insurance are also subject to the flood CE requirement. See attachment for full details.

Maryland Made a Change to Continuing Education Requirement

Maryland made a change to continuing education requirements effective May 22, 2023.  A licensed insurance producer who possesses a license to sell property and casualty insurance and who sells flood insurance, homeowners insurance, or commercial property insurance shall obtain at least 2 hours of continuing education that directly relates to flood insurance as part of the required hours of continuing education. See attachment.

Maryland Proposes Ruling Related to P&C Producers Continuing Education

Maryland proposes ruling that Property & Casulaty producers obtain at least 2 hours of CE in flood insurance. See attachment for full details.

Maryland Motor Club 2023 Company Appointment Renewals

The Renewal Date period for Motor Club appointments will be June 1, 2023 to August 31st, 2023. The termination deadline for any appointment not to be renewed is May 25th, 2023.

Maryland Amends Prohibition on Rebates and Inducements of Products and Services by an Insurer

Maryland amends prohibition on rebates and inducements of products and services by an insurer. See attachment for full details.

Maryland Removes SSN Requirement for Appointments and Terminations

Effective January 6, 2023, Maryland will no longer require Producer's SSN for Appointments and Terminations. The NPN will still be required.

Maryland Adds Information to be Included in the Producer Register

Maryland has added 3 pieces of information to be included to the producer register within 30 days of appointing.

Maryland Implementing Annuity Training Requirement

On October 8, 2022 Maryland will be adopting the best interest standard and will require new training for any producers involved in the sales of annuities,.

Maryland Updates Continuing Education Requirements for Residents

Maryland has revised the Continuing Education to 13 Hours for a title insurance producer license. Maryland also revised the the Continuing Education hours for producers with Property or Casualty licenses with Life or Health.

Maryland Surplus Lines Brokers Policy Fees

Effective 10/1/2022 Maryland will allow a qualified surplus lines broker to charge a reasonable policy fee on a policy issued by a surplus lines insurer to an exempt commercial policyholder. See attached Bulletin

Maryland Issues Reminder to Public Adjusters

This announcement is reminding Public Adjusters of laws that are already in effect, but highlights specific provisions.

Maryland Increases Surplus Lines Fee Cap

Effective October 10, 2022, the policy fee a Surplus Lines Broker may charge on a policy issued by a surplus lines broker has been raised. The fee cap is now $200 on each personal lines policy and $500 OR 7% of the policy's premium (whichever is greater).

Maryland Posts Summary of Laws Enacted in 2022

This announcement includes a full list of laws enacted in 2022 and two highlighted callouts in terms of compliance.

Maryland Company Renewal Dates Announced

The invoice renewal period is 6/1/22-8/31/22 for company renewals.

NASAA Updates IAR CE Member Adoption list on its Website

NASAA provides an updated version of the IAR CE Member Adoption list on its website.

FAQs