Free Maryland Property and Casualty Practice Exam Online

Correct answer: B. 18 years old

Section 10-104 requires an individual applicant for a producer license (other than life/health) to be at least 18 years old.

• A: 16 is the minimum age for a driver's license in Maryland, not an insurance producer license.
• C: 21 is the minimum age for some firearms and alcohol licenses in Maryland, not insurance producer licensing.
• D: 25 is not a threshold used anywhere in Maryland's producer licensing statute.

Correct answer: C. The applicant must be trustworthy and of good character, per the standards referenced in § 10-126

Correct: § 10-104 requires the applicant be trustworthy and of good character, tied to the disciplinary standards in § 10-126.

• A: Maryland's producer statute does not impose an education-degree requirement.
• B: Maryland licenses both resident and nonresident producers; there is no five-year residency requirement.
• D: Prior industry employment is not a statutory qualification for licensure; work-history alternatives can substitute for pre-licensing education in some contexts, but it is not a blanket requirement.

Correct answer: C. 24 hours, including at least 3 hours of ethics

Correct: § 10-116 requires 24 hours of continuing education per two-year term, with at least 3 of those hours in ethics.

• A: 8 hours per term is the reduced requirement available only to producers continuously licensed 25 years or more, not the general rule.
• B: 16 hours is the reduced CE cap that applies specifically to title insurance producers, not general P&C producers.
• D: 40 hours substantially overstates Maryland's requirement; no such threshold exists in the statute.

Correct answer: C. 30 days

Correct: § 10-118 gives insurers 30 days following the effective date of termination to update the producer register.

• A: 10 days is not the timeframe set by § 10-118 for updating the producer register.
• B: 15 days is not the statutory window for this filing obligation.
• D: 60 days overstates the window Maryland allows for this specific filing.

Correct answer: B. Cancel the nonresident producer's Maryland license

Correct: § 10-119 allows the Commissioner to cancel a nonresident producer's Maryland license once notified the producer is no longer licensed in their home state.

• A: Losing home-state licensure does not convert a person into a Maryland resident; no such conversion exists.
• C: Maryland's nonresident licensing scheme is expressly tied to home-state licensure status, so the Commissioner does have authority to act.
• D: The Commissioner retains direct authority over the Maryland license itself; it is not limited to referral only.