The Maryland Personal Lines license

Maryland splits its qualifications in two and the split is by kind of insurance rather than by license type. Md. Code, Insurance 10-104 governs an applicant for anything other than life, health or annuities and 10-105 governs those; both list the same things, and neither lists a course any more. What each requires is good character and trustworthiness under 10-126, being at least 18, no act warranting denial, and passing the Commissioner's examination. The examination sections are 10-108 and 10-109: the paper is graded within 30 days, and an applicant who fails may not sit again for four days, which is the shortest cooling-off period recorded on this site. The pre-licensing course that used to sit alongside was repealed with effect from 2024-10-01 by HB 265 and SB 336, and Bulletin 24-19 is the Administration's own notice of it. Maryland has no reciprocity route into a resident license, and 10-119 is why rather than a gap here: it waives the application requirements for an applicant who is NOT a resident of this State, with a valid home state license, where the home state reciprocates. That is the nonresident license, a different thing. Montana and Oklahoma are the other two states on this site whose waiver is written for somebody who does not live there.

Read at mgaleg.maryland.gov on 2026-08-16