Michigan
Michigan Insurance Prelicensing Requirements
How to Obtain a Michigan Insurance License
Becoming a licensed insurance agent in Michigan requires completing several essential steps, including prelicensing education, passing the state exam, applying for your license, and fulfilling continuing education requirements. This guide outlines each step in detail to help you navigate the licensing process efficiently.
Step 1: Fulfill Prelicensing Education Requirements
Before taking the Michigan insurance licensing exam, you must complete a state-approved prelicensing education course. The required study hours vary based on the line of authority:
Required Prelicensing Hours:
- Life Insurance – 20 hours
- Accident & Health Insurance – 20 hours
- Property Insurance – 20 hours
- Casualty Insurance – 20 hours
- Personal Lines Insurance – 20 hours
- Life, Accident & Health Insurance – 40 hours
- Property & Casualty Insurance – 40 hours
Key Notes:
- After completing your course, you must pass a Certification Exam.
- A passing score of 70% or greater is required for certification.
- You will receive a Certificate of Completion that is valid for one year.
- You must take and pass the state exam within this period.
- If you take the state exam before completing your prelicensing course, you will be required to retest with PSI.
Step 2: Pass the Licensing Exam
Once you complete prelicensing education, you must pass the Michigan insurance licensing exam.
Exam Details:
- Administered by PSI.
- Register online at PSI Exams or call (855) 579-4639.
- Exams are computer-based and multiple-choice.
- Passing scores vary by exam type (see table below).
- Test results are provided immediately after completion.
Exam Length & Passing Score:
| Exam Code | Exam Type | Time Limit | Number of Questions | Passing Score |
| 16-65 | Life Producer Exam | 2 hours | 100 | 72% |
| 16-66 | Accident & Health Producer Exam | 2 hours | 100 | 76% |
| 16-67 | Property Producer Exam | 2 hours | 100 | 75% |
| 16-68 | Casualty Producer Exam | 2 hours | 100 | 74% |
| 16-69 | Personal Lines Producer Exam | 2 hours | 100 | 75% |
| 16-80 | Life, Accident & Health Producer Exam | 2.5 hours | 150 | 75% |
| 16-81 | Property & Casualty Producer Exam | 2.5 hours | 150 | 74% |
| 16-83 | Variable Life & Annuities Producer Exam | 1 hour | 60 | 74% |
| 16-84 | Life, Variable Life & Annuities Producer Exam | 2.5 hours | 150 | 73% |
| 16-85 | Accident & Health Counselor Exam | 2 hours | 110 | N/A |
| 16-73 | Life Counselor Exam | 2 hours | 110 | N/A |
| 16-76 | Property & Casualty Counselor Exam | 2.5 hours | 150 | N/A |
Exam Policies:
- Arrive 30 minutes early at the testing center.
- Bring a valid government-issued photo ID.
- No personal items (phones, watches, calculators, etc.) are allowed in the testing room.
- Candidates are allowed one remote exam attempt using PSI Bridge. Any subsequent attempts must be taken in person at a PSI testing center.
Step 3: Apply for Your Insurance License
After passing the state exam, you must apply for your Michigan insurance license through the National Insurance Producer Registry (NIPR) at www.nipr.com.
Application Process:
- Submit your application via NIPR and pay the required fee.
- Application fees are nonrefundable.
Step 4: Maintain Your License with Continuing Education (CE)
To keep your Michigan insurance license active, you must complete continuing education (CE) every two years.
CE Requirements:
- 24 hours of CE required for most license types, including 3 hours of ethics training.
- Nonresident agents must comply with their home state’s CE requirements.
- Additional CE requirements apply for those selling long-term care insurance or annuities.
For the latest CE updates, visit the Michigan DIFS website.
Frequently Asked Questions (FAQs)
Where can I take the Michigan licensing exam?
Exams can be taken in-person at PSI testing centers or remotely via PSI Bridge.
How do I schedule my licensing exam?
You can schedule your exam through PSI by visiting their website or calling (855) 579-4639. Exam fees must be paid at the time of reservation.
What happens if I fail my exam?
You can reschedule immediately, but must wait 24 hours before retaking the exam. Review your diagnostic report and use additional study materials to improve your score before retaking the exam.
What entity oversees licensing in Michigan?
The Michigan Department of Insurance and Financial Services (DIFS) manages agent licensing, renewals, and continuing education. For inquiries, call (877) 999-6442.
Contact Information
Michigan Department of Insurance and Financial Services (DIFS)
- Phone: (877) 999-6442
- Website: www.michigan.gov/difs
PSI Exams
- Phone: (855) 579-4639
- Website: candidate.psiexams.com
Start Your Insurance Prelicensing Training
Take the first step toward your Michigan insurance career by enrolling in a state-approved prelicensing course today.
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Disclaimer
The information provided here is based on current Michigan state regulations and may be subject to updates. We strive for accuracy but recommend verifying requirements with the Michigan Department of Insurance and Financial Services for the latest licensing details.