MD. Insurance Code Ann. §  10-104 (2021)
2021 Maryland Statutes|Insurance|Title 10 - Regulation of Insurance Professions|Subtitle 1 - Insurance Producers|Section 10-104 - Qualifications of Individual Applicants -- Insurance Other Than Life and Health Insurance and Annuities

    (a)    This section applies to:        (1)    a license to act as an insurance producer for insurance other than life insurance, health insurance, or annuities;        (2)    a limited lines license to act as an insurance producer for limited line credit insurance other than credit life insurance or credit health insurance; and        (3)    a limited lines license to act as an insurance producer for a line of insurance described in §§ 10-122 through 10-125 of this subtitle.    (b)    To qualify for a license to which this section applies, an individual applicant must meet the requirements of this section.    (c)    An applicant must be of good character and trustworthy based on the standards of § 10-126 of this subtitle.    (d)    An applicant must be at least 18 years of age.    (e)    An applicant may not have committed any act that the Commissioner finds would warrant denial of a license under § 10-126 of this subtitle.    (f)    (1)    Except as otherwise provided in this section:            (i)    so that the applicant is reasonably familiar with the kind or subdivision of insurance for which the applicant wants to be licensed, the applicant must complete successfully a program of studies that has been established or approved by the Commissioner;            (ii)    during the 3 years immediately preceding the date of application, the applicant must have been employed regularly for periods totaling at least 1 year:                1.    by the Administration as an employee or by an insurer or insurance producer; and                2.    in responsible insurance duties in connection with the kind or subdivision of insurance for which the applicant wants to be licensed; or            (iii)    during the 3 years immediately preceding the date of entering or immediately after discharge from the armed forces of the United States, the applicant must have been employed regularly for periods totaling at least 1 year:                1.    by an insurer or insurance producer; and                2.    in connection with the kind or subdivision of insurance for which the applicant wants to be licensed.        (2)    In the case of an applicant for a limited lines license to act as an insurance producer for limited line credit insurance, the applicant shall complete successfully a program of instruction that is:            (i)    provided by an insurer that sells, solicits, or negotiates limited line credit insurance; and            (ii)    approved by the Commissioner.    (g)    Except as otherwise provided in this section, the applicant must pass an examination given by the Commissioner under this subtitle.    (h)    The Commissioner may waive the requirements of subsection (f) of this section for an applicant for a license for property insurance or casualty insurance if the applicant:        (1)    (i)    has been conferred the Chartered Property Casualty Underwriter (C.P.C.U.) designation by The American Institute for Chartered Property Casualty Underwriters; and            (ii)    is a member in good standing of the Society of Chartered Property and Casualty Underwriters;        (2)    has been conferred the designation of Fellow of the Casualty Actuarial Society;        (3)    has been conferred the designation of Certified Insurance Counselor (CIC) by the Society of Certified Insurance Counselors; or        (4)    has been conferred the designation of:            (i)    Accredited Adviser in Insurance (AAI); or            (ii)    Associate in Risk Management (ARM).    (i)    An applicant for a limited lines license to act as an insurance producer for limited line credit insurance need not meet the examination requirements of subsection (g) of this section.    (j)    An applicant may be licensed as to any particular kind or kinds of insurance.