- The Series 20-32 exam has 120 scored plus 10 unscored questions in 2 hours 30 minutes for $62.
- Insurance Regulation is the largest domain at 30%, so training time should weight it heavily.
- Maryland-approved prelicensing is not required for exams taken on or after October 1, 2024.
- Testing happens at a Prometric center or via ProProctor remote proctoring - train for both formats.
What "MD-PC Training" Actually Means
"Training" for the Maryland Property and Casualty Producer Combo Exam (MD-PC) isn't a single course - it's the combination of content review, domain drilling, and timed practice that gets you ready for the Series 20-32 exam administered through Prometric on behalf of the Maryland Insurance Administration. Because Maryland no longer requires approved prelicensing coursework for exams taken on or after October 1, 2024, the responsibility for structuring your own training has shifted almost entirely onto you as the candidate.
That's actually good news if you build a focused plan. Instead of sitting through hours of generic prelicensing lecture, you can concentrate your training directly on the exact content areas the exam tests and the exact question format you'll face on test day. If you haven't already reviewed the full breakdown of what's tested, the MD-PC Exam Domains 2026: Complete Guide to All 10 Content Areas is the companion reference to this training plan.
Registration and Testing Mechanics You Need to Know
Before you build a training calendar, lock in the logistics so your study plan matches the real exam experience:
- Exam code: Series 20-32
- Cost: $62 per attempt
- Format: 120 scored questions plus 10 unscored questions, all four-option multiple choice
- Time limit: 2 hours 30 minutes
- Prelicensing: Not required for exams taken on or after October 1, 2024
- Testing options: In-person at a Prometric test center, or remotely through ProProctor
The 10 unscored questions are mixed in with the 130 total questions you'll see, so there's no way to identify which ones don't count toward your score - treat every question with equal seriousness during training. For a full cost breakdown including retake fees and any incidental testing costs, see MD-PC Certification Cost 2026: Complete Pricing Breakdown.
Key Takeaway
If you plan to test remotely, run at least one full-length practice session under ProProctor-style conditions (quiet room, webcam positioning, ID ready) so the environment isn't a surprise on exam day.
Training the 10 MD-PC Domains
Your training time should mirror the exam's weighting, not be split evenly. Here's how the 10 domains break down and what each demands from your study sessions:
Domain 1: Insurance Regulation (30%)
This is nearly a third of the exam by itself. Training here means mastering Maryland-specific licensing rules, producer duties, unfair trade practices, and the regulatory framework administered by the Maryland Insurance Administration.
- Producer licensing categories and renewal cycles
- Unfair claims settlement and trade practices
- Regulatory authority and penalties
Domain 3: Property and Casualty Insurance Basics (13%)
Foundational vocabulary and concepts that show up embedded in later policy-specific questions, so train this early.
- Policy structure: declarations, insuring agreements, exclusions, conditions
- Underwriting and rating fundamentals
- Loss types and claims handling basics
Domain 5: Homeowners Policy (13%) and Domain 7: Commercial Package Policy (13%)
These two domains tie for second-largest weight. Homeowners training should cover the standard HO form structure and coverage parts; CPP training should cover how property and liability coverage parts combine in a commercial package.
- HO policy forms and covered perils
- Commercial property and general liability coverage parts
- Endorsements common to each
Domain 4: Dwelling Policy (8%) and Domain 6: Auto Insurance (8%)
Mid-weight domains that deserve solid but not excessive time. Dwelling policy training overlaps conceptually with homeowners; auto training should focus on liability, physical damage, and Maryland-specific auto provisions.
Domains 2, 8, 9, 10: General Insurance, Businessowners, Workers' Compensation, Other Coverages (7%, 1%, 3%, 5%)
Individually small, but together they add up to 16% of the exam. Don't skip them entirely - train them in shorter, targeted sessions rather than deep dives.
Note that the official rounded weights across all 10 domains total 101%, a rounding artifact rather than an error - it doesn't change how you should prioritize training time. For a deeper dive into each domain's subtopics, revisit the MD-PC Exam Domains 2026: Complete Guide to All 10 Content Areas.
Question Format and Timing Drills
Every question on the Series 20-32 exam is four-option multiple choice - there are no fill-in-the-blank, matching, or scenario-simulation formats. That consistency makes it easier to train specifically for the format:
- Practice eliminating two obviously wrong answers first, then reasoning between the remaining two
- Time yourself against the 2 hour 30 minute limit for 130 total questions - that's roughly 70 seconds per question on average
- Flag-and-return strategy: don't let one tough Insurance Regulation question eat time meant for Homeowners or CPP questions
| Exam Detail | What It Means for Training |
|---|---|
| 120 scored + 10 unscored questions | Treat every question as scored - you can't identify the unscored ones |
| 2 hours 30 minutes total | Practice full-length timed sets, not just untimed review |
| Four-option multiple choice only | Drill elimination strategy rather than open-ended recall |
| Prometric center or ProProctor | Rehearse under the same format you'll actually test in |
Once you understand the format, run realistic timed sets on our MD-PC practice test platform so your training mirrors actual exam pressure rather than relaxed flashcard review.
A Domain-Weighted Training Schedule
A structured multi-week plan works better than open-ended review because it forces you to allocate time proportionally to domain weight. Here's a sample framework you can adapt:
Foundations and Regulation
- Property and Casualty Insurance Basics (Domain 3)
- Begin Insurance Regulation (Domain 1) - the largest domain, start early
Core Policy Types
- Homeowners Policy (Domain 5)
- Dwelling Policy (Domain 4)
Commercial and Auto
- Commercial Package Policy (Domain 7)
- Auto Insurance (Domain 6)
Smaller Domains and Full Review
- General Insurance, Businessowners, Workers' Compensation, Other Coverages (Domains 2, 8, 9, 10)
- Finish Insurance Regulation review
- Full-length timed practice exams
Spaced repetition on regulation-specific terminology and interleaved practice across policy types (mixing Homeowners and CPP questions rather than blocking them separately) both help because the real exam interleaves domains randomly - your training should too. For a detailed walkthrough of this approach, see the MD-PC Study Guide 2026: How to Pass on Your First Attempt.
Key Takeaway
Front-load Insurance Regulation study because at 30% of the exam it has the single largest impact on your score, but don't neglect the smaller domains - combined they still represent 16% of the questions.
Who This Training Prepares You For
Passing the MD-PC exam is the gateway credential to work as a licensed property and casualty producer in Maryland. Independent agencies, captive insurance carriers, and brokerage firms operating in the state all require this license before a producer can legally sell property and casualty products. Training that emphasizes the Homeowners, Dwelling, Auto, and Commercial Package domains directly reflects the day-to-day product lines most entry-level producers handle. If you're weighing whether this path fits your career goals, Is the MD-PC Certification Worth It? Complete ROI Analysis 2026 and MD-PC Jobs both cover the practical career angle in more depth. Just be aware that difficulty perception varies by background - someone coming from a claims role will find different domains easier than someone coming from sales, a point explored further in How Hard Is the MD-PC Exam? Complete Difficulty Guide 2026.
After You Pass: Renewal and CE Training
Training doesn't end at your pass notification. Maryland producer licenses renew biennially, and maintaining your license requires 24 continuing education hours per renewal cycle, including 3 hours specifically in ethics. Building CE tracking into your post-licensing routine early prevents a scramble near your renewal deadline.
- Track CE hours by category throughout the two-year cycle rather than cramming near the deadline
- Prioritize the 3 required ethics hours early so you're not searching for last-minute course availability
- Revisit Insurance Regulation content periodically since rules can be updated between renewal cycles
If you want the exact numeric threshold you need to clear on exam day before worrying about renewal, check MD-PC Passing Score 2026: Exactly What You Need to Pass, and confirm your testing window against MD-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling before you finalize your training calendar.
Frequently Asked Questions
No. Maryland-approved prelicensing is not required for examinations taken on or after October 1, 2024, so your training can focus directly on self-study and practice questions rather than a mandated course.
The Series 20-32 exam includes 120 scored questions plus 10 unscored questions, all four-option multiple choice, with a total time limit of 2 hours 30 minutes.
Insurance Regulation, which makes up 30% of the exam - nearly a third of all questions - should receive the largest share of your training time.
Yes. Testing is available either at a Prometric test center or through ProProctor remote proctoring, so your training should account for whichever environment you choose.
Not entirely. Producer licenses renew every two years and require 24 continuing education hours, including 3 hours of ethics, so ongoing CE training is part of maintaining your license.
With registration mechanics, domain weighting, and a realistic timeline in hand, the remaining step is repetition under exam-like conditions. Work through timed question sets on our MD-PC practice test platform to convert this training plan into exam-day readiness.