Maryland Insurance CE Requirements: Complete Guide

Maryland's CE framework is straightforward in overall structure but has several distinctive features. 24 hours every 2 years with 3 mandatory Ethics hours and line-specific content requirements (producers must take courses in the line they hold). No carryover — excess hours are lost (same as MN; stricter than NJ and Virginia which allow some carryover). Prometric is the MIA's CE vendor and platform (same provider as the licensing exam — unique to Maryland among comparison states). The NFIP Flood requirement is 2 hours — lower than NJ, Virginia, and MN which all require 3 hours. And Maryland's LTC tax credit creates a specific advisory context for LTC-selling producers where CE knowledge directly supports client value. Here's the complete CE guide.

The Basic Framework

Under Maryland Insurance Article:

24 hours of CE every 2 years

3 hours Ethics mandatory

Remaining 21 hours: must be in the line(s) of authority held (line-specific — different from NJ's "any line" flexibility)

CE must be completed before submitting renewal application

No carryover — excess hours are lost

Duplicate courses: NOT allowed in same renewal period; NOT within 6 months of prior completion

CE final exams: closed book; non-proctored (self-study)

Prometric as MIA's CE vendor: Maryland's CE platform is managed by Prometric — the same company that administers the licensing exam. CE course registrations, completions, and transcripts are managed through the Prometric system. This is distinctive — most states use Sircon, NIPR, or state-specific platforms for CE; Maryland uses Prometric for both licensing exams and CE.

Line-Specific Content Requirement

Maryland requires CE in the line(s) of authority held — unlike NJ (any line counts for remaining hours) or MN (any approved course counts). A Maryland Life producer must take Life-relevant CE; a P&C producer must take P&C-relevant CE. Ethics courses count toward the 3-hour Ethics requirement regardless of line.

Dual-license producers: If holding both Life/A&H and P&C, must ensure sufficient line-specific content for each license type held. Consult MIA's current CE requirements at insurance.maryland.gov.

Specialty Training Requirements

NFIP Flood — 2 hours (one-time): Maryland P&C and Personal Lines producers who sell NFIP flood insurance must complete a one-time 2-hour NFIP Flood Insurance course by the end of the first renewal period after selling flood insurance. This is the shortest flood CE requirement of the comparison states:

NJ: 3 hours

Virginia: 3 hours

Minnesota: 3 hours

Maryland: 2 hours

LTC Training: Before selling LTC insurance in Maryland, producers must complete state-approved initial LTC training (standard NAIC-based; MIA-approved). Ongoing 4-hour training required each renewal period. Counts toward CE.

Annuity Training: Maryland requires completion of a specific annuity training course before selling annuity products. Consult current MIA requirements at insurance.maryland.gov for hours and content specifics. Counts toward CE.

All specialty training counts toward the 24-hour CE requirement.

Renewal Process

Complete 24 CE hours (3 Ethics + 21 line-relevant content) before renewal

Verify all completions in Prometric CE transcript

Submit renewal through NIPR

Pay $69 renewal fee ($54 + $15 fraud prevention)

Print updated license from MIA website

Renewal window: Up to 90 days before expiration. Late renewal: Up to 1 year; $169 ($54 + $15 + $100 reinstatement). After 1 year: new application.

CE Exemptions

Designation exemption available for producers holding qualifying designations and completing CE to maintain them — file Alternative Credit Form with MIA

Check current MIA exemption list at insurance.maryland.gov

Maryland CE vs. Comparison States

5 Frequently Asked Questions

• What makes Maryland's CE platform distinctive? Maryland uses Prometric as its CE vendor and platform — the same provider that administers the licensing exam. Most states use Sircon, NIPR, or state-specific platforms. In Maryland, CE course registration, completion tracking, and transcript access all go through the Prometric system. This creates a unified Prometric ecosystem for both initial licensing and CE in Maryland.
• Why is Maryland's NFIP Flood requirement only 2 hours when most states require 3? Maryland MIA established a 2-hour NFIP Flood requirement — lower than NJ, Virginia, and MN which each require 3 hours. The 2-hour requirement still covers the essential NFIP program structure, flood zone mapping, SFIP coverage, waiting periods, and producer obligations — just in a more condensed format.
• Does Maryland's CE require line-specific content? Yes — producers must take CE courses in the line(s) of authority they hold. A Life producer takes Life CE; a P&C producer takes P&C CE. This differs from NJ and MN where any approved course in any line counts for the non-Ethics requirement. Maryland's line-specific requirement ensures continued competence in the producer's actual licensed line.
• What is Maryland's LTC tax credit and how does it affect CE planning? Maryland offers a state income tax credit for qualifying LTC insurance premium payments. For producers who sell LTC, CE that covers the MD LTC tax credit rules — which clients qualify, how to document, what the credit amounts are — directly enhances client advisory. This is a specifically Maryland value-add in LTC CE that doesn't exist in comparison states.
• Can CE completed for a professional designation satisfy Maryland CE requirements? Potentially — Maryland offers a designation CE exemption for producers who complete CE to maintain qualifying designations (CPCU, CLU, CIC, etc.). File the Alternative Credit Form with MIA. Not all designation CE automatically counts; the exemption must be claimed and approved. Verify current eligible designations at insurance.maryland.gov.

Stay Compliant With Maryland's CE Requirements

JustInsurance's MIA-approved Maryland CE courses cover Ethics, specialty training (LTC, Annuity, NFIP Flood), and all required content types with Prometric reporting.

Enroll today and maintain your Maryland insurance license with confidence.