Revise with instant feedback: the moment you pick an answer you see whether it was right, with the written, source-cited explanation. Untimed — ideal before you sit a mock exam. Questions you miss keep coming back until you know them.
Exam-day conditions: no feedback until you submit, each module scored separately like the real test, with a full question-by-question review at the end.
Each module is scored separately here so you know exactly where you stand. To pass the real Maryland exam you need 70%.
The free sample gives you about 20 questions per module. The full bank contains every question — general insurance plus state law — with written, statute-cited explanations. $49, one time, lifetime access on up to 3 devices — every state and line we add later included.
✓ One purchase, use it on up to 3 of your devices · no subscription · no account needed
Maryland licenses Life and Health producers through Prometric. Each exam combines general insurance knowledge with a Maryland state-law section, and you need 70% to pass. This bank covers the general insurance material and the Maryland law (the Insurance Article and COMAR) for both lines.
You need 70%. Revise each module to that level in Revision Mode, then run the full exam simulation in Exam Mode before your test date.
No vendor publishes the live exam. Every question here is original, written to the official content outline and grounded in public-domain sources — including the Maryland Insurance Article for the state-law questions, with the statute section cited in each explanation.
The full Maryland bank contains 907 questions (general insurance plus Maryland law), with written, source-cited explanations. The free sample gives you about 20 questions per module.
$49, one time, for lifetime access — and it includes every state and line we add later, at no extra charge. No subscription.
Yes. One purchase works on up to 3 of your devices, for example your laptop, phone and tablet, so you can practise wherever you are. Your progress is saved on each device.
No. The practice tests run in your browser with no signup. Your score history is saved on your own device.
A selection of free questions with answers and explanations. Use the interactive modules above for timed, scored drills.
Under MD Ins. § 15-403, an insurer offering family coverage must, on request, make dependent benefits available to a grandchild who is unmarried, dependent, resides with the insured, and is:
Why: Insurance Article § 15-403(b) requires the same benefits available to any dependent for a grandchild who is unmarried, in the insured's court-ordered custody, resides with the insured, is a dependent, and has not attained the limiting age.
Under MD Ins. § 10-115, a renewed producer license expires on what date?
Why: Insurance Article § 10-115(d) sets the expiration of a renewed license as the last day of the holder's birth month — therefore that date.
Under MD Ins. § 2-213, hearings held by the Commissioner are generally:
Why: Insurance Article § 2-213(a) provides that hearings are generally open to the public — therefore open to the public.
Under MD Ins. § 10-130, a commission for selling, soliciting, or negotiating insurance generally may be paid only to:
Why: Insurance Article § 10-130(a) bars paying commissions for selling, soliciting, or negotiating insurance to anyone other than a licensed producer — therefore a licensed producer.
An insurer provides the Commissioner the required termination notice on May 2. Under MD Ins. § 10-118, within how long, and by what date, must it mail a copy of that notice to the producer?
Why: § 10-118(g)(1) requires mailing the copy within 15 days after notifying the Commissioner; 15 days after May 2 is May 17 — therefore 15 days, by May 17.
A retiree with limited income and assets needs nursing-home care Medicare won't cover long term. The program that may help is:
Why: Medicaid covers long-term custodial care for those who meet its income/asset limits, sometimes after a spend-down.
A child is covered under both parents' health plans. Under the 'birthday rule,' the primary plan is the one belonging to the parent whose:
Why: The birthday rule makes primary the plan of the parent whose birthday (month and day) comes first in the calendar year.
A policy was funded faster than the 7-pay limit, making it a MEC. A subsequent policy loan is:
Why: In a MEC, living distributions and loans are taxed gains-first (LIFO) and may carry a 10% penalty before age 59½.
Money left in a typical health flexible spending account (FSA) at year-end is:
Why: FSAs are generally use-it-or-lose-it, though plans may allow a limited carryover or grace period.
Under MD Ins. § 9-405, the Maryland Life and Health Insurance Guaranty Corporation is best described as a:
Why: Insurance Article § 9-405(a)(2) and (g) state the Corporation is a private, nonprofit, nonstock corporation and is not a State agency — therefore a private, nonprofit, nonstock corporation.
Under MD Ins. § 27-305, the penalty for each violation of the first-party good-faith requirement of § 27-303(9) may not exceed:
Why: Insurance Article § 27-305(a)(2) sets a penalty not exceeding $125,000 for each violation of § 27-303(9) — therefore $125,000.
Insurance contracts are 'unilateral' because:
Why: Only the insurer makes an enforceable promise (to pay covered claims); the insured is not legally compelled to continue paying premiums.
Transfers of property to a surviving spouse at death generally escape federal estate tax because of the:
Why: The unlimited marital deduction lets a decedent pass any amount to a surviving (citizen) spouse free of federal estate tax.
A client exchanges one deferred annuity directly for another deferred annuity with better features. Under Section 1035, this is:
Why: Annuity-to-annuity exchanges qualify for tax-free treatment under Section 1035.
Increasing term insurance is characterized by a death benefit that:
Why: Increasing term's face amount grows over time (often used with return-of-premium or to track inflation); decreasing term does the opposite.
Under MD Ins. § 27-216, a person who improperly collects a premium or charge with regard to a bail bond is subject to a penalty per violation not exceeding:
Why: Insurance Article § 27-216(f) sets a penalty not exceeding $5,000 for each bail-bond premium violation — therefore $5,000.
Up to what portion of Social Security benefits may be subject to federal income tax for higher-income recipients?
Why: Depending on combined income, up to 85% of Social Security benefits may be taxable.
A multiple employer welfare arrangement (MEWA) allows:
Why: A MEWA lets small employers band together to offer health and welfare benefits, gaining some advantages of a larger group.
Under MD Ins. § 16-205, an insurer may not exercise its option to void an outside-age-limit policy more than how long after the correct age is established?
Why: Insurance Article § 16-205(b)(3) bars voiding more than 30 days after the correct age is established — therefore 30 days.
Before recommending an annuity, a producer learns the client needs the money within a year for living expenses. The producer should:
Why: Suitability rules require matching the product to the client's situation; an annuity (with surrender charges and a long horizon) is unsuitable for funds needed immediately.
Unlike a conditional receipt, a binding (temporary) receipt provides:
Why: A binding receipt gives immediate temporary coverage for a stated period regardless of insurability; a conditional receipt requires the applicant to prove insurable.
Under MD Ins. § 17-309, the individual policy available on conversion from group life may be any form customarily issued EXCEPT:
Why: Insurance Article § 17-309(a)(2) allows any form except term insurance — therefore term insurance.
Under MD Ins. § 16-402, an annuity or pure endowment contract must allow a grace period for stipulated payments due after the first of not less than:
Why: Insurance Article § 16-402(a) requires a grace period of not less than 30 days — therefore 30 days.
A typical annuity 'free withdrawal' provision allows the owner to withdraw, each year without a surrender charge, up to:
Why: Many deferred annuities permit penalty-free withdrawals of roughly 10% of the value per year during the surrender-charge period.
Concealment in the context of an insurance application is best described as:
Why: Concealment is the intentional failure to disclose a known material fact that would affect underwriting.
Under COMAR 31.09.12, before selling annuities a producer must complete a one-time training course of at least:
Why: COMAR 31.09.12.08C(1) requires a one-time four-credit annuity training course approved by the Maryland Insurance Administration — therefore 4 credits.
Under MD Ins. § 15-812, the minimum inpatient hospital stay coverage after an uncomplicated vaginal delivery for a mother and newborn is:
Why: Insurance Article § 15-812(c) requires coverage for at least 48 hours of inpatient care after an uncomplicated vaginal delivery.
Backdating a life insurance policy is sometimes done to:
Why: Backdating dates the policy to an earlier date so the insured qualifies at a younger age (and lower premium); states typically limit it to about six months.
Under MD Ins. § 2-109, the toll-free telephone number the Commissioner must establish is intended to help consumers with:
Why: § 2-109(c)(1) directs a toll-free line to help consumers buy private passenger automobile insurance — therefore that purpose.
A Maryland producer takes an application that will replace an applicant's existing policy. Under COMAR 31.09.05, no later than the time of taking the application the producer must:
Why: COMAR 31.09.05.04C(1) requires the producer to present and, unless declined, read the replacement notice not later than the time of taking the application — therefore present and read the replacement notice.