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 Property and Casualty producers through Prometric (a 120-question exam, 150 minutes, 70% to pass). This bank covers the national property & casualty material plus Maryland law - the 30/60/15 compulsory auto minimum limits with PIP and uninsured/underinsured motorist coverage, the Maryland Automobile Insurance Fund (MAIF), the guaranty corporation, cancellation and nonrenewal, and workers compensation.
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, Transportation and Labor & Employment Articles for the state-law questions, with the statute section cited in each explanation.
The full Maryland bank contains 1012 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 PAP Part D, the deductible:
Why: The deductible is the portion of a physical damage loss the insured pays out of pocket before the insurer pays the remainder.
Under MD Transp. § 17-103, the minimum required property-damage security for damage to the property of others in one accident is:
Why: Section 17-103(b)(2) requires security of up to $15,000 for property of others damaged or destroyed in an accident, in addition to interest and costs.
Under MD Ins. § 10-111, a business entity applicant must identify the licensed producer designated to act as its...?
Why: Insurance Article § 10-111(c) requires identifying the licensed producer designated as the entity's principal contact with the Administration — therefore that option.
Under MD Ins. § 27-602, which is a permitted ground to cancel a personal policy midterm?
Why: Section 27-602(c)(5) permits midterm cancellation only for material misrepresentation/fraud, a threat to public safety, an increase in the hazard insured against, nonpayment, or arson (homeowner's) — therefore the increased hazard.
Under MD Ins. § 27-207, which practice is prohibited as an inducement to insurance?
Why: Section 27-207 bars issuing or delivering company stock, benefit certificates, or advisory board contracts promising returns and profits as an inducement to insurance — therefore the keyed answer.
Under MD Lab. & Empl. § 9-509, the compensation provided to a covered employee is in place of:
Why: Section 9-509(b) provides that compensation is in place of any right of action against any person.
Under MD Ins. § 25-403, the Joint Insurance Association is what type of entity?
Why: Insurance Article § 25-403(a) provides that the Association is an unincorporated association; § 25-403(b) makes it consist of insurers licensed to write essential property insurance.
A Jewelers Block policy is designed primarily for:
Why: The Jewelers Block policy is an inland marine form covering a jeweler's stock and customers' jewelry in the jeweler's care against a broad range of perils.
Under MD Ins. § 27-202, using a policy name or title in a way that misrepresents the policy's true nature is:
Why: Section 27-202(4) prohibits using a name or title of a policy or class that misrepresents its true nature — therefore it is a prohibited misrepresentation.
An insurer settles a claim using an application it altered without telling the insured. Under MD Ins. § 27-303, this is:
Why: Section 27-303(3) makes it a violation to attempt to settle a claim based on an application altered without notice to, or the knowledge or consent of, the insured — therefore the keyed answer.
Under MD Ins. § 27-501, a homeowner's insurer may not cancel or nonrenew for weather-related claims unless the insured had at least:
Why: Section 27-501(i)(1) bars cancelling or refusing to renew homeowner's coverage based on weather-related claims unless there were three or more within the preceding 3-year period — therefore the keyed answer.
Under MD Ins. § 3-325, each surplus lines broker's report is subject to what?
Why: Insurance Article § 3-325(c) provides that each report shall be open to public inspection.
Under MD Ins. § 10-110, a P&C advisory board must include at least two members who are...?
Why: Insurance Article § 10-110(c)(3) requires at least two members who are producers holding valid State licenses in that kind — therefore that option.
Under MD Lab. & Empl. § 9-701, the Workers' Compensation Commission is directed to adopt procedural regulations that are what?
Why: Labor & Employment Article § 9-701(1) directs the Commission to adopt regulations governing its procedures that are as simple and brief as reasonably possible.
Under MD Ins. § 10-112, the Commissioner shall issue a license to each applicant who...?
Why: Insurance Article § 10-112(a) requires the Commissioner to issue a license to each applicant who meets the subtitle's requirements — therefore that option.
Under MD Ins. § 9-303, coverage under the guaranty subtitle also does NOT extend to insurance written by:
Why: Section 9-303 excludes surplus lines insurance, risk retention group insurance, and insurance written by an unauthorized insurer — therefore the keyed answer.
Why does Part One (Workers Compensation) of the standard policy contain no dollar limit of liability?
Why: Part One has no policy limit because the insurer agrees to pay whatever benefits the state statute requires; the statute, not the policy, controls the amount.
Which statement about strict liability is TRUE?
Why: Strict liability imposes responsibility without requiring proof of negligence, based on the inherently dangerous nature of the activity or product defect.
Under MD Ins. § 2-205, the Commissioner must examine each domestic insurer at least once every...?
Why: Insurance Article § 2-205(b)(2) requires examination of each domestic insurer at least once every 5 years — therefore that option.
A document attached to a policy that adds, deletes, or modifies coverage is called an:
Why: An endorsement (or rider) is a written amendment that changes the terms of the base policy.
Under MD Ins. § 19-511, how must an injured person forward a copy of the liability insurer's settlement offer to the UM insurer?
Why: Section 19-511(b) requires the injured person to send the copy of the settlement offer by certified mail to the UM insurer.
Which statement about how coverage parts combine in a CPP is correct?
Why: In a package, two or more coverage parts attach to common declarations and common conditions; a single coverage part written alone is monoline.
For Homeowners eligibility, a dwelling that the insured does not currently live in but intends to return to with belongings still present is best described as:
Why: Unoccupied means no one is living there temporarily but personal property remains; vacant means both empty of people and substantially empty of contents.
Under MD Ins. § 27-303, which is an unfair claim settlement practice?
Why: Section 27-303(1) makes it an unfair claim settlement practice to misrepresent pertinent facts or policy provisions relating to the claim or coverage — therefore the keyed answer.
Under MD Ins. § 27-216, a person may not willfully collect a premium for insurance if:
Why: Section 27-216(a) bars willfully collecting a premium or charge when the insurance is not then provided, or in due course to be provided, in a policy issued by an authorized insurer — therefore the keyed answer.
Under MD Ins. § 2-204, an order of the Commissioner must state all of the following EXCEPT...?
Why: Insurance Article § 2-204(b) requires effective date, purpose, grounds, and governing provisions — not the licensee's home address — therefore that option.
The HO-8 (Modified Form) is most appropriate for:
Why: HO-8 is the Modified Coverage Form for older homes where replacement cost far exceeds market value; it settles losses on a functional/repair-cost basis rather than full replacement cost.
Under MD Ins. § 27-212, unfair discrimination in P&C insurance is prohibited between insureds that have:
Why: Section 27-212(e) bars unfair discrimination between insureds or properties having like insuring or risk characteristics in premium, dividends, or terms — therefore the keyed answer.
Under MD Ins. § 27-406, operating an insurer without a required certificate of authority is:
Why: Section 27-406(3) makes it a fraudulent insurance act to operate an insurer or conduct an insurance business without obtaining a required certificate of authority — therefore the keyed answer.
Under MD Ins. § 20-510, a fund producer is a fiduciary as to what?
Why: Insurance Article § 20-510(a) makes each fund producer a fiduciary as to all premiums, return premiums, or other money received in connection with a Fund policy.