State Requirements

Business Rules

• MD Adviser applicants: Please note selecting the incorrect license type and LOAs will not result in the issuance of an insurance producer license. Maryland refers to an insurance producer as: A person or an entity who sells, solicits, or negotiates insurance contracts. An adviser is referred to as a person that, for compensation examines or offers to examine policy, annuity contract, or pure endowment contract for the purpose of giving or offers advice or information. Please select the correct license type. For questions contact the Maryland Insurance Administration Customer Service at 1-888-204-6198.

• If adviser is the correct license selection, please submit your original bond in the amount of $1000.00 directly to the Maryland Insurance Administration to have the application resolved.

• Variable Life and Variable Annuity will be deferred and must provide proof of Series 63, Series7, or Series 6 to Maryland by submitting documentation to producerlicensing.mia@maryland.gov

• Initial Self-Service Storage license applications must be submitted via a paper application directly to state.

• The Maryland supplement is only required for those requesting the title line of authority (LOA), applying for a surplus lines license, or non-residents requesting a limited LOA not issued by Maryland.

• Insurance Producer Title applicants must email a copy of the original bond(s) or other required documentation directly to the Maryland Insurance Administration.  The email address is producerlicensing.mia@maryland.gov. Please visit the Maryland Title  for more information.

• Reinstatements through the Resident License (RL) Application are allowed if license is inactive for over one (1) year and one (1) day after expiration date.

• Viatical settlement brokers must hold an active Maryland insurance producer License with the Life line of authority.

• Adviser variable applicants must also apply for or actively hold an active Maryland Adviser License with the Life and Health line of authority. In addition Surplus Lines applicants are required to hold a $1,000 Adviser Surety bond.

• Variable applicants must also hold life within requested license class.

• Motor Club Representatives cannot reinstate electronically through NIPR.

• Applicants for the variable line of authority (LOA) must supply a FINRA Central Registry Depository (CRD) number on the application.  If you need to verify your CRD number you may use the Broker Search feature found on FINRA’s website.

• Non-citizens of the U.S. must have a resident license for selling insurance in one of the fifty (50) U.S. states.

• Surplus lines broker applicants should hold an active Maryland insurance producer License with the Property & Casualty lines of authority prior to submitting the Surplus Lines Broker application.  In addition Surplus Lines applicants are required to hold a $10,000 Surplus Lines Surety bond.

• Applicants with a Cancelled license status must contact Maryland Insurance Administration directly if attempting to re-apply.

• Viatical Settlement Broker re-applications are allowed the day after expiration date.

• If applicant responds "yes" to one of the background questions please submit supporting documents electronically via NIPR's Attachments Warehouse. The documents may also be submitted to the state via mail, email, or fax.