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Michigan Insurance Licensing State Requirements

On this page, you will find all of the state-specific information for Insurance Licensing in the state of Michigan. This information pertains to resident license applicants. For additional information for resident licensing, or for non-resident license information, please refer to the Michigan Department of Insurance website at Information is subject to change, and we will do our very best to make the process of completing your licensing education requirements as simple as possible. 

Michigan Department of Energy, Labor & Economic Growth

Department of Insurance and Financial Services
611 West Ottawa St., 3rd Floor  Lansing, MI 48933
P.O. Box 30220  Lansing, MI 48909-7720
Phone: 877-999-6442 or 517-373-0220
Fax:  517-241-3953


Prelicensing Education Hour Requirements

  • Life & Health - 40 Hours (34 hours on life and health insurance principles)
  • Life - 20 Hours (14 hours on life insurance principles)
  • Accident & Health - 20 Hours (14 hours on health insurance principles)
  • Property & Casualty - 40 Hours (34 hours of property and liability insurance principles)
  • Property - 20 Hours (14 hours on property insurance principles)
  • Casualty - 20 Hours (14 hours on liability insurance principles)
  • Personal Lines - 20 Hours (14 hours of property and liability insurance principles)

Note: Above hours include the required 6 hours of professional ethics and Michigan insurance laws.

Important: Pre-study requirements

Life and Accident & Health Accelerated Courses ONLY - This accelerated pre-licensing review requires both pre-study and classroom attendance. A minimum number of hours of pre-study is required prior to the start of class (Please see “Pre-Class Study” requirements listed under “Live Class Requirements“ below). 


Exam Provider: PSI

Upon completion of the course material, but prior to taking the exam with PSI, license candidates must file an Electronic Resident Licensing (ERL) application through the National Insurance Producer Registry (NIPR) website at The application/license fee is $10.00 plus a $5.00 transaction fee. An application is valid for 6 months from entry into our database.

The ERL application is required even though candidates no longer need the NIPR confirmation page as part of the acceptance criteria to take an examination with PSI.

Acceptable Methods of Education

  • Classroom
  • Self-study
  • Online

Live Class Requirements

  • Pre-Class Study (for Accelerated Courses ONLY, must be completed prior to attending the live class): 
    • Life & Health:16 total hours (8 hours Life, 8 hours Health)
    • Health Only: 8 Hours
    • Life Only: 8 Hours
    • Property & Casualty: 16 Hours (8 hours Property, 8 hours Casualty)
  • In-Class Exam: In Michigan, an in-class graded exam is given in the Life & Health and Property & Casualty Accelerated classes to test your readiness for the state exam. The test must be passed with a 70% or greater in order to receive a certificate of completion.

Online Course Requirements

  • Forced progression: This requires the user to successfully complete each page of the online course before being allowed to proceed to the next.

Out-of-State Testing

Certificate of Completion Requirements

  • Candidates are not required to present their certificate to the exam provider at the exam site.
  • Certificates are valid for 12 months from the date of course completion.

Exam and/or Prelicensing Education Exemptions

Prelicensing requirements may be waived for candidates who have obtained one or more of the following designations, certifications, or college credits:
  • CLU®, CPCU®, RHU, ARM, CFP®, AAI, ChFC®, CIC, FLMI, REBC, LUTCF, HIA, CEBS, or have a particular concentration in college credits in insurance from an accredited college.

Note: Candidates must provide the required confirmation of their designation, certification, or college credits with their written request to the Michigan OFIR for a waiver. The written waiver must be received prior to taking the exam and presented to the exam provider at the exam site.


Adjuster License

Disclosure for states that require an Adjuster licensing exam and license:

All insurance adjusters in Michigan are required to be licensed. Because of its industry recognition and credibility, earning the Texas DHS Adjuster license is accepted as authorization to adjust in Michigan and other states that recognize it.

The Texas P/C Adjuster license is highly respected in the industry and is available to individuals who want to designate Texas as their home state. This means you can qualify for the Texas P/C adjuster license just as a Texas resident adjuster would and complete the Texas bi-annual continuing education requirement. 

Kaplan’s Texas P/C Adjuster licensing course and exam is ideal for an adjuster seeking an adjuster license under the DHS concept. The course contains the actual state licensing exam for the Texas P/C Adjuster license; therefore, you can satisfy your Texas prelicensing requirement AND pass the Texas P/C Adjuster state licensing exam without having to leave your home or office. Upon completing the Kaplan course and successfully passing the exam, you can remotely apply for the Texas Property/Casualty Adjuster License using the procedures found on the Texas State Requirements page. This will qualify you to adjust in both your home state and numerous other states that recognize the Texas DHS Adjuster license (CO, DC, IA, IL, KS, MA, MD, MO, NC, ND, NE, NH, NJ, OH, PA, SD, TN, VA, and WI).


Check with the Department of Insurance in your resident state and the states you wish to adjust to see how the Texas PC Adjuster license can be used in those states.

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.

Select a Line of Authority:

Life & Health

This license qualifies you to explain, sell, and write life and health insurance products in Michigan.


Property & Casualty

This license qualifies you to sell products designed to protect from financial issues as a result of damage or injury in Michigan.

Personal Lines

This license qualifies you to sell a variety of insurance plans directly to consumers in Michigan.



This license qualifies you to investigate and adjust any claim in connection with an insurance policy in Michigan.