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 http://www.michigan.gov/difs. 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
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.
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 http://www.nipr.com. 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.
Acceptable Methods of Education
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 sites available as of February 12, 2015
- Review for more information: http://www.michigan.gov/documents/difs/Out-of-State_Testing_Sites_487168_7.pdf
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
- 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.
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.