- What Does MD-PC Actually Stand For?
- Who Oversees the Exam and Why That Matters
- Exam Format: What You'll Actually Sit Down and Take
- Breaking Down the 10 MD-PC Domains
- Registration, Fees, and the Prelicensing Change
- Who Takes the MD-PC and Why
- After You Pass: Licensing and Continuing Education
- A Domain-Aware Way to Prepare
- Frequently Asked Questions
- MD-PC stands for the Maryland Property and Casualty Producer Combo Exam, administered by Prometric for the Maryland Insurance Administration.
- The exam has 120 scored questions plus 10 unscored pretest questions, all four-option multiple choice, in 2 hours 30 minutes.
- Insurance Regulation is the heaviest domain at 30% of the exam content.
- Maryland-approved prelicensing education is no longer required for exams taken on or after October 1, 2024.
What Does MD-PC Actually Stand For?
MD-PC stands for the Maryland Property and Casualty Producer Combo Exam - the state licensing test that combines the property insurance exam and the casualty insurance exam into a single sitting. If you want to sell property and casualty insurance products in Maryland, this is the exam you need to pass. It's identified in the Prometric candidate handbook and exam codes as Series 20-32, and it's the credential this entire site, MD-PC Certification, is built around.
Because the same three letters are used by unrelated credentials in other industries, it's worth being explicit: everything on this site refers strictly to the Maryland insurance producer exam. If you landed here searching for a different "MD-PC," you're in the wrong place - this content is about becoming a licensed property and casualty insurance producer in Maryland.
For a broader introduction to the credential itself, see What Is MD-PC? and MD-PC Meaning. If you're specifically wondering what the license entitles you to do once earned, What Is MD-PC Certification? covers that in more depth.
Who Oversees the Exam and Why That Matters
The Maryland Insurance Administration (MIA) is the state regulator that sets licensing requirements for insurance producers in Maryland, and it contracts with Prometric to actually build, schedule, and score the exam. This matters for candidates in a practical way: Prometric controls scheduling, test center logistics, and remote proctoring, while the MIA controls licensing rules, renewal cycles, and continuing education requirements.
Understanding this split helps you know where to look when something goes wrong. Scheduling problems, ID requirements, or rescheduling fees are Prometric matters. Questions about license status, renewal deadlines, or CE credit are MIA matters. If you're mapping out your exam window, MD-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling walks through how Prometric availability actually works day to day.
Exam Format: What You'll Actually Sit Down and Take
The Series 20-32 exam is built around a straightforward format:
- 130 total questions - 120 scored plus 10 unscored questions used for future exam development (you won't know which 10 are unscored).
- Four-option multiple choice for every question - no fill-in-the-blank, no essay, no drag-and-drop.
- 2 hours 30 minutes total testing time.
- $62 exam fee paid to Prometric at registration.
Because the unscored questions are mixed in with scored ones and indistinguishable during the test, the only reasonable strategy is to treat every question as if it counts. There's no benefit to guessing which items are "practice" questions - pacing yourself evenly across all 130 is the safer approach.
For a full breakdown of what score you actually need to clear, see MD-PC Passing Score 2026: Exactly What You Need to Pass. And if you're trying to gauge how tough this exam really is 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 the places to look before you commit to a test date.
Key Takeaway
Every question on the MD-PC is four-option multiple choice, and 10 of the 130 questions are unscored - so pace evenly rather than trying to guess which questions "don't matter."
Breaking Down the 10 MD-PC Domains
The MD-PC content outline is organized into 10 domains with different weightings. Note that the officially published rounded weights sum to 101% rather than a clean 100% - that's simply how Maryland's rounded domain percentages add up, not an error on your part when you total them.
Domain 1: Insurance Regulation (30%)
By far the largest domain, covering Maryland-specific licensing law, producer duties, unfair trade practices, and regulatory definitions.
- Expect this domain to dominate your study time given its 30% weight.
Domain 2: General Insurance (7%)
Foundational insurance concepts - risk, insurable interest, contract elements, and policy structure that underlie every other domain.
Domain 3: Property and Casualty Insurance Basics (13%)
Core P&C principles that set up the more specific policy-type domains that follow.
Domain 4: Dwelling Policy (8%)
Dwelling program forms, coverage parts, and typical exclusions distinct from homeowners policies.
Domain 5: Homeowners Policy (13%)
HO policy forms, coverages A through F, and common endorsements - a heavily tested policy type.
Domain 6: Auto Insurance (8%)
Personal auto policy structure, liability and physical damage coverages, and Maryland-specific auto requirements.
Domain 7: Commercial Package Policy (CPP) (13%)
Commercial property and liability coverage parts bundled under a CPP - another heavily weighted domain.
Domain 8: Businessowners Policy (1%)
The smallest domain - a narrow but still testable slice on BOP eligibility and structure.
Domain 9: Workers' Compensation Insurance (3%)
Basic workers' comp coverage concepts and how they interact with other commercial lines.
Domain 10: Other Coverages and Options (5%)
Miscellaneous coverages and endorsements that don't fit neatly into the other nine domains.
Together, Insurance Regulation, Homeowners Policy, and Commercial Package Policy alone account for over half the exam's weighting. For a deeper dive into each domain with specific sub-topics, see 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% |
Registration, Fees, and the Prelicensing Change
Registering for the MD-PC means scheduling through Prometric and paying the $62 fee for the Series 20-32 exam. You can sit for the exam either at a physical Prometric test center or remotely through ProProctor, Prometric's online proctoring platform - giving candidates flexibility on where and how they test.
One of the most important recent changes: Maryland-approved prelicensing education is no longer required for examinations taken on or after October 1, 2024. Previously, candidates needed to complete state-approved coursework before sitting for the exam. That requirement has been removed for exams taken after that date, which changes how candidates should approach preparation - self-study and dedicated exam prep now carry more of the weight that a mandatory course used to.
For eligibility details and a full requirements checklist, read MD-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify. And if you're budgeting the full cost of getting licensed - not just the exam fee - MD-PC Certification Cost 2026: Complete Pricing Breakdown lays out the pieces.
Who Takes the MD-PC and Why
Candidates take the MD-PC for a straightforward reason: it's the gateway to becoming a licensed property and casualty insurance producer in Maryland. That license is what allows someone to sell homeowners, auto, dwelling, commercial package, workers' compensation, and other P&C products in the state. Insurance agencies, independent brokerages, and carriers hiring for producer roles in Maryland typically require this license as a condition of employment or appointment.
People pursuing the MD-PC generally fall into a few groups: career-changers entering insurance sales, agency staff being promoted into producer roles, and existing producers licensed in other states who need Maryland-specific licensure to sell there. If you're weighing whether the licensing path is worth the time and cost relative to career outcomes, Is the MD-PC Certification Worth It? Complete ROI Analysis 2026 and MD-PC Salary Guide 2026: Complete Earnings Analysis go into that in detail. For active openings and how the license translates into hiring, see MD-PC Jobs.
After You Pass: Licensing and Continuing Education
Passing the exam is a milestone, not the finish line. Once you pass and complete the licensing application process with the Maryland Insurance Administration, your producer license is active - but it isn't permanent without upkeep. Maryland producer licenses renew biennially, and renewal requires completing 24 continuing education hours, including 3 hours specifically in ethics.
Building a habit of tracking CE hours from day one of licensure saves headaches later. Many producers front-load easier CE topics early in the renewal cycle and save ethics credits for closer to the deadline, since ethics courses tend to be shorter and more widely available.
Key Takeaway
Licensing doesn't end at the exam - plan for 24 CE hours (3 in ethics) every two years to keep your Maryland producer license active.
A Domain-Aware Way to Prepare
Since Insurance Regulation alone makes up nearly a third of the exam, and Homeowners Policy plus Commercial Package Policy together add another 26%, a smart study sequence weights time toward those three domains first rather than splitting effort evenly across all 10.
Insurance Regulation + General Insurance
- Master Maryland licensing law and producer duties (30% of the exam)
- Build the foundational vocabulary tested in General Insurance (7%)
Homeowners, Dwelling, and P&C Basics
- Compare HO forms against Dwelling Policy forms side by side
- Reinforce Property and Casualty Insurance Basics (13%) as the connective tissue
Commercial Package, Auto, Workers' Comp
- Drill CPP coverage parts (13%) and personal auto structure (8%)
- Cover Workers' Compensation basics (3%) since it's compact but distinct
Smaller Domains + Full Review
- Finish Businessowners Policy (1%) and Other Coverages and Options (5%)
- Run full-length timed practice sessions matching the 2.5-hour, 130-question format
This isn't a generic weekly template - it's sequenced specifically around MD-PC's domain weights, so you're spending the most hours where the exam awards the most points. For a more granular, checklist-style resource once you've built the foundation, MD-PC Study Guide 2026: How to Pass on Your First Attempt and MD-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts are useful companions. If formal courses interest you, MD-PC Training covers available options now that prelicensing courses are optional.
Whatever sequence you follow, practicing under realistic timed conditions matters as much as content review. Working through full-length questions on our MD-PC practice test platform before test day helps you get comfortable with the four-option format and the 2 hour 30 minute pace before it counts. Many candidates run a final practice session on the practice site the week before their scheduled Prometric appointment.
Frequently Asked Questions
MD-PC stands for the Maryland Property and Casualty Producer Combo Exam, the state licensing exam for property and casualty insurance producers in Maryland, administered by Prometric for the Maryland Insurance Administration.
No. Maryland-approved prelicensing education is not required for examinations taken on or after October 1, 2024. Before that date, prelicensing coursework was required.
The exam has 120 scored questions plus 10 unscored questions (130 total), all four-option multiple choice, with 2 hours 30 minutes to complete the exam.
The Series 20-32 exam fee is $62, paid through Prometric at the time of scheduling.
After passing, you complete licensing with the Maryland Insurance Administration. Your producer license then renews every two years, requiring 24 continuing education hours, including 3 hours of ethics, per renewal cycle.