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Free Maryland Life Accident Health Practice Test Online

Official exam: Life, Accident & Health Insurance Producer License (MD)

Take a free Maryland Life Accident Health practice test online: a full 33-question paper with every answer explained, no sign-up, scored by topic. The full 33-question bank and the timed simulator are $14.99 for 30 days.

First published: September 2, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Life, Accident & Health Insurance Producer License (MD): a 33-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 33 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily Md. Code (52%) and COMAR (24%) of this exam's citations.

Take a full practice test free. 33 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
33
questions per paper
33
questions in the bank
What this exam covers
5 real sample questions
For the combined life-health line, what is the baseline age qualification an individual applicant must meet?
A. At least 18 years of age
B. At least 21 years of age
C. At least 25 years of age
D. There is no minimum age requirement
Show answer and reasoning

Correct answer: A. At least 18 years of age

Correct. Maryland's qualification statutes require producer applicants, across lines including the combined life-health authority, to be at least 18 years old.

  • B: 21 overstates Maryland's minimum age requirement for producer licensure.
  • C: 25 substantially overstates Maryland's minimum age requirement for producer licensure.
  • D: Maryland does impose a minimum age qualification of 18 for producer applicants.
Source: Md. Code, Ins. § 10-105
A producer holding the combined life, accident & health line of authority must renew the Maryland license on what cycle?
A. Every 2 years
B. Every year
C. Every 3 years
D. Every 6 years
Show answer and reasoning

Correct answer: A. Every 2 years

Correct. § 10-115 establishes a 2-year renewal term applicable to Maryland producer licenses regardless of the specific line(s) of authority held.

  • B: Annual renewal does not match Maryland's 2-year statutory cycle.
  • C: A 3-year cycle does not match Maryland's actual 2-year renewal term.
  • D: A 6-year cycle substantially overstates Maryland's 2-year renewal term.
Source: Md. Code, Ins. § 10-115
A Maryland applicant seeking a combined 'Life, Accident & Health' line of authority must satisfy the qualification standards of which statute?
A. Insurance Article § 10-105, covering life, health, and annuity lines
B. Insurance Article § 10-121, covering title insurance producers
C. Insurance Article § 10-119, covering nonresident producers exclusively
D. There is no combined life-health line; Maryland requires two entirely separate licenses
Show answer and reasoning

Correct answer: A. Insurance Article § 10-105, covering life, health, and annuity lines

Correct. § 10-105 sets the qualification standards individual applicants must meet for life insurance, health insurance, and annuity lines of authority, which together make up the combined life-health line.

  • B: § 10-121 addresses title insurance producers, an unrelated line of authority.
  • C: § 10-119 governs nonresident licensing generally, not the substantive qualification standard for a life-health line.
  • D: Maryland does recognize a combined life, accident and health line of authority issued under a single license.
Source: Md. Code, Ins. § 10-105
A combined life-health producer must complete continuing education covering which lines?
A. CE hours relevant to each kind or subdivision of insurance for which the producer holds a license, subject to the overall 24-hour cap
B. Only life-related CE, since health CE is waived for combined licensees
C. Only health-related CE, since life CE is waived for combined licensees
D. No CE is required for combined-line producers
Show answer and reasoning

Correct answer: A. CE hours relevant to each kind or subdivision of insurance for which the producer holds a license, subject to the overall 24-hour cap

Correct. COMAR 31.03.02 requires CE hours relevant to each kind/subdivision of insurance the producer is licensed for, within the overall per-renewal-period hour cap.

  • B: Combined licensees are not exempt from health-related CE; they must cover the lines they hold.
  • C: Combined licensees are not exempt from life-related CE; they must cover the lines they hold.
  • D: CE is required for producers regardless of holding a single or combined line of authority.
Source: Md. Code, Ins. § 10-116; COMAR 31.03.02.03
How many minutes of instruction generally qualify for one hour of continuing education credit under Maryland's CE regulation?
A. 50 minutes
B. 30 minutes
C. 75 minutes
D. 90 minutes
Show answer and reasoning

Correct answer: A. 50 minutes

Correct. COMAR 31.03.02 specifies that 50 minutes of instruction qualifies for one CE credit hour.

  • B: 30 minutes understates the actual 50-minute credit-hour standard.
  • C: 75 minutes overstates the actual 50-minute credit-hour standard.
  • D: 90 minutes overstates the actual 50-minute credit-hour standard.
Source: COMAR 31.03.02.03
Same exam, other states
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Real-world data for this exam
Insurance Sales Agents: real median wage (MD)May 2025$58,300/yr

Frequently asked questions

Where can I take a free Maryland Life Accident Health practice test online?
Right here. CertQuestUSA's free Maryland Life Accident Health practice test online is a full 33-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 33-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Life, Accident & Health Insurance Producer License (MD) practice test?
33 questions total, split into 3 full papers of 33 each with no repeats across papers.
What topics does the Life, Accident & Health Insurance Producer License (MD) test cover?
15 domains, with the heaviest weight on Life Insurance Products (12%), Licensing Renewal Ce (9%), and Medicare Supplement (9%).
Where do CertQuestUSA's Life, Accident & Health Insurance Producer License (MD) questions come from?
Primarily Md. Code (52%) and COMAR (24%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Life, Accident & Health Insurance Producer License (MD) practice test?
Yes -- one full 33-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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