Maryland Insurance Producer CE Requirements, Explained
Last reviewed June 2026 against the official sources linked below. Requirements change — always confirm with your board before relying on them.
Total hours
24 hours per term (8 for 25-yr veterans)
Renewal cycle
Every 2 years
Ethics requirement
3 hrs (within the total)
Issued by
Maryland Insurance Administration
Maryland runs a standard 24-hour, two-year cycle with 3 hours of ethics inside it - but it has two details worth circling. First, long-tenured producers get a steep discount: those licensed continuously for 25 or more years (as of October 1, 2008) need just 8 hours per term. Second, your hours must be done 30 days before your license expires, not on the expiration date itself.
The Maryland Insurance Administration (MIA) sets these rules under COMAR Title 31. Your renewal lands on the last day of your birth month every two years, so the real cutoff is a month earlier than the date on your license.
The base requirement: 24 hours, 3 of them ethics
Under COMAR 31.03.02, a licensed producer must complete at least 24 hours of continuing education per renewal period, including at least 3 hours in ethics. The ethics hours count within the 24. No more than 3 hours of ethics may be applied toward the requirement in a single renewal period.
The 25-year discount and the 30-day cutoff
- Producers who held a license for 25 or more consecutive years as of October 1, 2008 complete only 8 hours per renewal period - 3 of which must still be ethics.
- All CE must be completed 30 days before your license expiration date.
- Your renewal lands on the last day of your birth month, every two years.
- A course cannot be taken for credit more than once in a renewal period, and if repeated across two consecutive periods there must be at least 6 months between completion dates.
Stop tracking this in a spreadsheet
Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
Start tracking — freeThe multi-state angle
Maryland's 30-day-early cutoff is the kind of rule that quietly breaks a multi-state producer's routine: most states let you finish right up to the renewal date, so it is easy to apply that habit to Maryland and come up a month short. Layer on the 25-year veteran discount and the once-per-period course limit, and Maryland needs its own deadline math. When you hold several state licenses, no single regulator is tracking the overlap for you.
How CredTally keeps this on autopilot
- Track your total hours with a dedicated 3-hour ethics bucket - the dashboard shows each separately and reflects the 8-hour total for 25-year veterans.
- Multi-state producers: every license gets its own card, deadline, and reminders, set to Maryland's earlier 30-day cutoff.
- Store every certificate with the course it proves, so MIA reviews and renewals are a download, not a hunt.
- Reminders at 90, 60, 30, and 7 days before each license's deadline, with your remaining hours front and center.
- Export a dated PDF packet - summary plus every certificate - for an audit or carrier review in one click.
Frequently asked questions
How many CE hours do Maryland insurance producers need?
Twenty-four hours every two-year renewal period, including at least 3 hours of ethics. Producers licensed continuously for 25 or more years as of October 1, 2008 need only 8 hours, still including 3 ethics.
When is Maryland insurance CE due?
All hours must be completed 30 days before your license expiration date. Your renewal is the last day of your birth month, every two years.
How many ethics hours does Maryland require?
At least 3 hours of ethics within the total, and no more than 3 ethics hours may be applied in a single renewal period.
Can I repeat a CE course in Maryland?
Not within the same renewal period. If a course is taken in two consecutive periods, there must be at least 6 months between completion dates.
Official sources
- Maryland Insurance Administration - Producer CE Credit Requirements
- COMAR 31.03.02.03 - General Continuing Education Requirements
CredTally is a record-keeping tool and is not affiliated with any licensing board. This guide is general information, not legal or compliance advice.
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Progress rings per requirement, private certificate storage, deadline reminders, and a one-click audit packet. Set up in two minutes — free for your first license.
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