- MD-PC is Maryland's Property and Casualty Producer Combo Exam, delivered via Prometric.
- The exam has 120 scored questions plus 10 unscored pretest items in 2 hours 30 minutes.
- Series 20-32 costs $62 per attempt at a test center or through ProProctor remote proctoring.
- Prelicensing coursework is not required for exams taken on or after October 1, 2024.
What Is the MD-PC Exam, Exactly?
The MD-PC - short for the Maryland Property and Casualty Producer Combo Exam - is the licensing test the Maryland Insurance Administration uses to confirm that prospective insurance producers understand both property insurance and casualty insurance well enough to sell, solicit, or negotiate those products legally in the state. "Combo" refers to the fact that a single test covers both property lines (like dwelling and homeowners policies) and casualty lines (like auto liability and workers' compensation) rather than requiring two separate exams.
If you've landed here searching for a plain-language explanation, you're in the right place. For a deeper dive into the naming and scope of the credential, see our companion pieces on MD-PC Meaning and What Does MD-PC Stand For?. This article focuses specifically on what the exam actually tests, how it's built, and who ends up sitting for it.
Who Administers It and Where You Take It
The Maryland Insurance Administration owns the licensing requirement, but the actual test delivery is handled by Prometric, the testing vendor. Candidates can sit for the MD-PC in one of two ways:
- In person at a physical Prometric test center
- Remotely through ProProctor, Prometric's online proctoring platform
Both delivery methods use the same question bank and the same scoring rules, so the choice comes down to logistics and personal preference rather than difficulty. If you're weighing which option fits your schedule, our guide to MD-PC Exam Dates 2026: Testing Windows, Deadlines & Scheduling walks through how appointments are scheduled for both formats.
One structural change worth knowing: Maryland-approved prelicensing education is not required for examinations taken on or after October 1, 2024. That doesn't mean the material is easier - it means the state has shifted responsibility for preparation entirely onto the candidate. For a full breakdown of what is and isn't required before you sit for the test, check MD-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
Exam Format, Timing, and Fees
The MD-PC is formally listed as Series 20-32. Here's exactly what you're walking into on test day:
| Element | Detail |
|---|---|
| Question format | Four-option multiple choice |
| Scored questions | 120 |
| Unscored (pretest) questions | 10 |
| Total questions on screen | 130 |
| Time allowed | 2 hours 30 minutes |
| Exam fee | $62 |
| Delivery options | Test center or ProProctor remote proctoring |
Because 10 of the 130 questions are unscored pretest items mixed in without being labeled, you won't know which questions count toward your final result. The practical implication: treat every question on the screen with equal seriousness rather than trying to guess which ones "matter." For a complete cost breakdown, including what happens if you need to retake the exam, see MD-PC Certification Cost 2026: Complete Pricing Breakdown. If you want specifics on how the scoring threshold is calculated, read MD-PC Passing Score 2026: Exactly What You Need to Pass.
Key Takeaway
Budget the full 2 hours 30 minutes even if you finish early - use remaining time to review flagged questions rather than leaving the test center ahead of schedule.
The 10 MD-PC Content Domains
The exam blueprint is organized into ten domains, each carrying a different percentage weight of the 120 scored questions. Note that the officially rounded weights add up to 101% rather than a clean 100% - a common quirk when individual domain percentages are rounded independently.
Domain 1: Insurance Regulation (30%)
By far the largest domain, covering Maryland-specific licensing law, producer conduct, and regulatory authority.
- Nearly one-third of your scored questions live here - under-preparing this domain is the single biggest risk to a passing score.
Domain 2: General Insurance (7%)
Foundational insurance concepts and terminology that apply across policy types.
Domain 3: Property and Casualty Insurance Basics (13%)
Core principles distinguishing property coverage from casualty/liability coverage.
Domain 4: Dwelling Policy (8%)
Structure and provisions specific to dwelling fire policies.
Domain 5: Homeowners Policy (13%)
One of the higher-weighted domains, covering HO policy forms and endorsements.
Domain 6: Auto Insurance (8%)
Personal auto policy structure, liability limits, and coverage parts.
Domain 7: Commercial Package Policy (CPP) (13%)
Commercial lines packaging and the components bundled under a CPP.
Domain 8: Businessowners Policy (1%)
The smallest domain - a narrow slice testing BOP fundamentals.
Domain 9: Workers' Compensation Insurance (3%)
Coverage basics for employer liability and workplace injury.
Domain 10: Other Coverages and Options (5%)
Miscellaneous endorsements and supplemental coverage options not captured elsewhere.
For a deep, question-level walkthrough of each domain, including sample topics and where candidates typically lose points, read our full MD-PC Exam Domains 2026: Complete Guide to All 10 Content Areas.
Who Takes the MD-PC and Why
Anyone who wants to sell, solicit, or negotiate property and casualty insurance in Maryland - whether captive to a single carrier or working as an independent agent - needs to pass this exam before their producer license can be issued. That includes:
- New agents joining a P&C insurance agency
- Insurance company hires moving into a licensed producer role
- Career changers entering insurance sales from another field
- Existing life or health producers adding P&C authority to their license
Once licensed, producers don't just walk away and forget the material - Maryland requires biennial license renewal with 24 continuing-education hours, including 3 hours of ethics. In other words, the concepts tested on the MD-PC remain relevant throughout a producer's career, not just on exam day.
If you're trying to decide whether pursuing this license is worth the time and cost, our analysis in Is the MD-PC Certification Worth It? Complete ROI Analysis 2026 and MD-PC Salary Guide 2026: Complete Earnings Analysis covers the career angle in more depth. For where licensed producers actually find work, see MD-PC Jobs.
From Passing Score to Active License
Passing the MD-PC is a milestone, not the finish line. After you pass, your results are reported to the Maryland Insurance Administration, and you (or your sponsoring employer) complete the license application process. Because prelicensing coursework is no longer mandatory for exams taken on or after October 1, 2024, some candidates now go straight from self-study to test day - which raises the stakes on how well you prepare independently.
For the specific eligibility criteria (age, residency, background requirements) you must satisfy before you're even allowed to schedule the exam, see MD-PC Requirements 2026: Eligibility, Prerequisites & How to Qualify.
How to Approach Studying by Domain Weight
Because domain weights vary so dramatically - from 30% down to just 1% - the most efficient prep strategy allocates study time proportionally rather than treating all ten domains equally. Spending equal hours on Businessowners Policy (1%) and Insurance Regulation (30%) is a common and costly mistake.
Insurance Regulation Deep Dive
- Spend the bulk of your first study week here since it's 30% of the scored exam
- Review Maryland-specific licensing rules and producer conduct standards
Property and Casualty Basics, Homeowners, and CPP
- These three domains combine for 39% of the exam
- Work through policy structure and endorsement scenarios
Dwelling, Auto, and General Insurance
- Cover the mid-weighted domains together
- Compare dwelling and homeowners provisions side by side to avoid confusing the two
Smaller Domains and Full Review
- Finish Other Coverages, Workers' Compensation, and Businessowners Policy
- Run full-length timed practice sessions under the 2 hour 30 minute limit
This weighting logic - and a much more detailed week-by-week breakdown - is covered in our MD-PC Study Guide 2026: How to Pass on Your First Attempt. If you want an honest read on how challenging candidates generally find the material, How Hard Is the MD-PC Exam? Complete Difficulty Guide 2026 and MD-PC Pass Rate 2026: What the Data Shows are worth reading before you set your study timeline. When you're closer to test day, our MD-PC Cheat Sheet 2026: One-Page Review of Must-Know Facts is designed as a final-review companion.
Throughout your prep, running realistic practice questions on our MD-PC practice test platform will help you get comfortable with the four-option multiple-choice format before you ever sit down at Prometric. Because 10 of the 130 total questions are unscored, practicing under full-length, timed conditions on the practice site is the closest simulation you can get to actual test-day pacing.
Frequently Asked Questions
It's one combined exam. The "combo" in MD-PC means property and casualty content are tested together in a single 120-question scored session rather than as two standalone tests.
No. Maryland-approved prelicensing education is not required for exams taken on or after October 1, 2024. You are still fully responsible for knowing the material across all 10 domains.
The Series 20-32 exam fee is $62 per attempt, whether you test at a Prometric center or remotely through ProProctor.
Insurance Regulation, which makes up 30% of the scored questions - nearly one-third of the entire exam and by far the largest single domain.
Yes. In addition to physical Prometric test centers, the exam is available through ProProctor remote proctoring, using the same 120 scored and 10 unscored question format.