- MD-PC stands for Maryland Property and Casualty Producer Combo Exam, overseen by the Maryland Insurance Administration.
- The exam has 120 scored and 10 unscored four-option questions in 2 hours 30 minutes, delivered via Prometric.
- Series 20-32 costs $62, and prelicensing education isn't required for tests taken on or after October 1, 2024.
- Insurance Regulation is the heaviest domain at 30% of the exam.
What MD-PC Actually Means
MD-PC is shorthand for the Maryland Property and Casualty Producer Combo Exam - the licensing test that qualifies an individual to sell, solicit, or negotiate property and casualty insurance products within the state of Maryland. The "combo" in the name reflects that the exam bundles two lines of authority, property and casualty, into a single testing event rather than requiring separate sittings. This is a distinct, state-specific credential, and it should not be confused with any other acronym that happens to share the same letters in a different industry.
If you're just starting to research this exam, our companion piece on What Is MD-PC? walks through the basics in plain language, while What Does MD-PC Stand For? digs further into the naming convention Maryland uses for its producer exams.
Who Administers the Exam and Why It Matters
The Maryland Insurance Administration (MIA) is the state regulatory body that sets licensing requirements for insurance producers, while Prometric is the third-party testing organization that delivers the actual exam. This split matters practically: MIA determines eligibility rules, license terms, and continuing education, while Prometric handles scheduling, test-center logistics, and remote-proctoring options through its ProProctor platform.
Understanding this division helps candidates know where to look for what. Registration and scheduling questions go through Prometric's system, while licensing status, renewal, and CE tracking live with MIA. For a full rundown of eligibility rules before you even book a seat, see MD-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Exam Mechanics: Format, Fee, and Timing
The MD-PC exam is structured as Series 20-32 and consists of 120 scored questions plus 10 unscored questions, all in a four-option multiple-choice format. Candidates get 2 hours and 30 minutes to complete the exam, and the unscored questions are indistinguishable from the scored ones, so there's no shortcut to skipping content areas.
The exam fee is $62. A notable procedural change: Maryland-approved prelicensing education is not required for exams taken on or after October 1, 2024, which removes a barrier that previously slowed some candidates down before they could even sit for the test.
- Testing is available at a physical Prometric test center or remotely via ProProctor
- All questions are four-option multiple choice - no fill-in-the-blank or scenario simulations
- Unscored questions are mixed in throughout, so pacing should be even across the full 130 items
For the exact numeric threshold you need to clear, check MD-PC Passing Score 2026: Exactly What You Need to Pass. If you want a broader look at cost components beyond the base fee - like retake costs or CE expenses - MD-PC Certification Cost 2026: Complete Pricing Breakdown covers that in detail. And if you're mapping out when to sit for the exam relative to your CE cycle or job start date, MD-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling explains how scheduling windows work.
Key Takeaway
Because there's no prelicensing requirement for tests on or after October 1, 2024, self-study quality becomes the deciding factor in your outcome - there's no mandated classroom safety net.
What the Ten Domains Cover
The MD-PC exam is built from ten content domains, each weighted differently. The official rounded weights sum to 101%, which is simply a rounding artifact of ten separately-rounded percentages - not an error in the exam design.
Domain 1: Insurance Regulation (30%)
This is by far the largest domain and covers Maryland-specific statutes, producer licensing rules, unfair trade practices, and the regulatory framework producers must operate within.
- Expect the heaviest concentration of questions here
Domain 3: Property and Casualty Insurance Basics (13%)
Foundational concepts - policy structure, terminology, risk classification - that underpin every other domain on the exam.
Domain 5: Homeowners Policy (13%)
Covers HO policy forms, coverage parts, endorsements, and exclusions specific to residential property insurance.
Domain 7: Commercial Package Policy (CPP) (13%)
Combines commercial property and liability coverage forms into package policy structures that producers must be able to explain and apply.
The remaining domains - General Insurance (7%), Dwelling Policy (8%), Auto Insurance (8%), Businessowners Policy (1%), Workers' Compensation Insurance (3%), and Other Coverages and Options (5%) - round out the content but carry lighter individual weight. A full breakdown of every domain, including subtopics within each one, is available in MD-PC Exam Domains 2026: Complete Guide to All 10 Content Areas.
| Domain | Weight |
|---|---|
| Insurance Regulation | 30% |
| Property and Casualty Insurance Basics | 13% |
| Homeowners Policy | 13% |
| Commercial Package Policy (CPP) | 13% |
| Dwelling Policy | 8% |
| Auto Insurance | 8% |
| General Insurance | 7% |
| Other Coverages and Options | 5% |
| Workers' Compensation Insurance | 3% |
| Businessowners Policy | 1% |
Who Actually Needs This Credential
The MD-PC credential is the entry point for anyone who wants to sell property and casualty insurance products to Maryland residents or businesses. This includes prospective producers at independent agencies, captive agents working for a single carrier, and insurance professionals adding a Maryland line to an existing multi-state book of business. Because it's a state-specific exam, even experienced producers licensed elsewhere need to pass MD-PC to legally operate in Maryland.
Employers hiring for these roles typically include regional and national P&C carriers, independent agencies, and brokerage firms with a Maryland presence. If you're curious about what roles this credential actually opens up, MD-PC Jobs covers the kinds of positions that list the license as a requirement, and MD-PC Salary Guide 2026: Complete Earnings Analysis discusses compensation considerations tied to holding it.
Life After You Pass
Passing the MD-PC exam is the gateway step, but the license itself comes with ongoing obligations. Producer licenses in Maryland renew on a biennial (every two years) basis, and renewal requires 24 continuing education hours, of which 3 hours must be ethics-specific. Planning your CE cycle early - rather than scrambling near a renewal deadline - keeps your license active without last-minute stress.
For those weighing whether the time and fee investment pays off relative to career opportunities, Is the MD-PC Certification Worth It? Complete ROI Analysis 2026 lays out the considerations. And if you want a refresher on what training options exist beyond the exam itself, MD-PC Training covers preparation resources.
A Domain-Weighted Prep Approach
Given that Insurance Regulation alone accounts for nearly a third of the scored questions, a smart study sequence front-loads that domain rather than treating all ten domains equally. Pairing spaced repetition with domain weighting - reviewing regulation material more frequently than lower-weighted domains like Businessowners Policy - reflects how the actual exam is built.
Insurance Regulation + P&C Basics
- Build the regulatory foundation first since it carries 30% of the exam
- Layer in basic P&C terminology and policy structure concepts
Homeowners, Dwelling, and Auto
- Work through the three property/auto-focused domains together since they share overlapping concepts
Commercial Package Policy and Remaining Domains
- Cover CPP, Businessowners, Workers' Compensation, and Other Coverages
- Run full-length timed practice sets to build stamina for the 2 hour 30 minute format
For a structured week-by-week plan with more granular task breakdowns, see MD-PC Study Guide 2026: How to Pass on Your First Attempt. If you're still calibrating how difficult the exam feels relative to your background, How Hard Is the MD-PC Exam? Complete Difficulty Guide 2026 and MD-PC Pass Rate 2026: What the Data Shows are both useful reality checks before exam day. When you're ready to test your recall under real time pressure, our practice test platform mirrors the 120-scored/10-unscored four-option format so you're not surprised by pacing on test day.
Key Takeaway
Spend proportionally more review time on Insurance Regulation than on any other single domain - it's worth more points than the next two domains combined.
A quick-reference sheet can also help in the final days before your appointment. MD-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts condenses the highest-yield facts across all ten domains into a single scannable page, and running a few timed sets on our practice test site in the final week helps confirm your pacing across the full 2.5-hour window.
Frequently Asked Questions
MD-PC stands for the Maryland Property and Casualty Producer Combo Exam, the state licensing test administered through Prometric on behalf of the Maryland Insurance Administration.
There are 120 scored questions plus 10 unscored questions, all four-option multiple choice, for a total of 130 questions in 2 hours 30 minutes.
No. Maryland-approved prelicensing education is not required for examinations taken on or after October 1, 2024.
The Series 20-32 exam fee is $62.
Producer licenses renew biennially, and renewal requires 24 continuing education hours, including 3 hours dedicated to ethics.