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Michigan Insurance Continuing Education State Requirements

On this page, you will find all of the state-specific information for Insurance CE in the state of Michigan.

Department of Insurance and Financial Services

General Mailing Address
PO Box 30220
Lansing, MI  48909-7720
Delivery / Street Address
530 W. Allegan Street, 7th Floor
Lansing, MI 48933
Hours of Operation: Monday - Friday 8:00 AM - 5:00 PM (EST)
Phone Number: 517-284-8800 or 877-999-6442 (Toll-Free)
Fax Number: 517-284-8837

 Annuity Requirements

All producers (resident and non-resident) currently licensed for Life who engage in the sale of annuities must complete a one-time 4-hour annuity training course. Individuals who become licensed for Life after June 1, 2013, cannot engage in the sale of annuities until they have completed a one-time 4-hour annuity training course.

Long-Term Care Training

Effective 2/22/2016: Producers wishing to sell, solicit, or negotiate long-term care insurance must be licensed for accident and health or life and must complete a one-time, initial 8-hour long-term care training course. Producers must also complete an ongoing 4-hour long-term care training course during every two-year compliance period after completing the initial training course.

Producers selling, soliciting, or negotiating long-term care insurance on February 22, 2016, may continue to do so only if they complete the initial 8-hour training course by February 22, 2017.

Flood Requirements

This state has issued a notice reminding licensees who sell flood insurance of their requirement to comply with the minimum 3 hours of training requirements established by FEMA and the National Flood Insurance Program.

All Other State Requirements

Resident Requirements

Licensees must complete 24 hours of continuing education credit every two years. Of the 24 hours, 3 hours must be in Ethics credit. The other 21 credits may be in accident & health, life, property, casualty, etc. If a licensee completes more than 3 credits in Ethics, any additional credits beyond the 3 required ethics credits will count toward the other 21 credits needed.

CE credits must be banked by Kaplan by your license expiration date for you to stay in compliance. Send your information to Kaplan as soon as possible to ensure that your credits can be processed prior to your expiration. Kaplan is not able to expedite reporting credits.

If a licensee completes additional CE hours in the current review period, up to 12 may be applied (carried over) to the next review period. Licensees must first be compliant with their current CE review period requirements to be eligible for carryover credit hours. All carried over credit hours (earned as Ethics or General) will count toward the General hours requirement when carried over to the next review period. Carryover takes effect July 1, 2018, for Producers and Solicitors with a July 1, 2018, CE review date and later.

The new CE review date will be based on the month and year of a producer’s birth. Licensees with dates of birth in odd years will have CE due the first day of their birth month every two years in all odd years. Licensees with dates of birth in even years will have CE due the first day of their birth month every two years in all even years.

CE review dates are displayed at www.michigan.gov/ofir. Scroll to Insurance Licensee Locator and enter your system ID number to access your licensing information.

Visit the website www.michigan.gov/ofir > Licensing and scroll to the Spotlight section for the most current information or you may contact the Michigan Office of Financial and Insurance Regulation toll-free at 877-999-6442.


Non-Resident Requirements

Non-residents that meet their home state CE requirements automatically comply with Michigan requirements.

Course Repetition

Course repetition is not permitted within the compliance/renewal period.

Exam Rules

Online certification exams are closed book. Course materials are not available while the exam is in progress. The final exam must be passed with a score of 70% or higher to receive CE credit. If the exam is not passed on the first attempt, students have an unlimited number of retakes.

Proctor/Monitor Requirements

Online exams must be monitored by a disinterested third party. A disinterested third party certifies that the licensee completed the exam without assistance (i.e., closed book, no tiling, layering of screens, etc.) and is someone who has no financial interest in the success or failure of the student’s ability to maintain their license. The monitor must complete the online Declaration of Compliance. If the licensee launches the exam without a monitor present, he/she will be disqualified from receiving CE credit for the course. Completion of the Declaration of Compliance acknowledges understanding and adherence to the specific requirements outlined by the State Department of Insurance. The Declaration of Compliance is electronically transmitted to Kaplan upon completion of the exam and may be audited for compliance purposes.

Period Requirements

The new CE review date will be based on the month and year of a producer’s birth. Licensees with dates of birth in odd years will have CE due the first day of their birth month every two years in all odd years. Licensees with dates of birth in even years will have CE due the first day of their birth month every two years in all even years.

Carryover Criteria Requirements

Carryover of CE hours is not permitted.

Reporting Requirements

Report within 30 days of completion. Need Agent’s license number and state fees ($1.00 per credit hour) to report.

State Reporting Fees

The MI Department of Insurance requires a course reporting fee of $1.00 per credit hour (online, self-study and classroom courses). This state reporting fee will be automatically charged to you (on the last credit card used in your account) each time you complete an online, self-study, or classroom course.


Waivers of CE Requirements: Section 1204c(11) of the Insurance Code states that “The Commissioner may waive the continuing education requirements of this section for an agent if the commissioner determines that enforcement of the requirements would cause severe hardship”. The Bureau, with input from the Agent Education Advisory Council, has defined “hardship” as (a) the licensee has a terminal illness, (b) illness of self or spouse that requires an inordinate time for care by the licensee, or (c) military duty.

Acceptable Training Methods

  • Online (Internet Delivery)
  • Correspondence (Print)
  • Company Seminars
  • Classroom
  • CBT/CD-ROM (Computer-Based Training)


This information is based on state laws and regulations and is subject to change. Kaplan Financial Education makes every effort to make sure this information is current and accurate, however, Kaplan Financial Education is not engaged in rendering legal or professional advice and shall not be held responsible for inaccuracies contained herein.

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