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 nonresident license information, please refer to the Michigan Department of Insurance and Financial Services website at: https://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.
Stevens T. Mason Building
530 W Allegan St., 7th Floor
Lansing, MI 48033-1521
Phone: 517-284-8836
Website: https://www.michigan.gov/difs
Email: difs-licensing@michigan.gov
How to Get Your Michigan Insurance License
Michigan requires those seeking an insurance license to complete prelicensing before taking the state licensing exam. Prelicensing courses with Kaplan give you the best chance to pass—our pass rates are among the highest in the industry.
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)
Adjuster: No Prelicensing Education Requirement
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 prelicensing review requires both pre-study and classroom attendance. A minimum number of hours of pre-study is required prior to the start of class.
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.
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 DIFS for a waiver. The written waiver must be received prior to taking the exam and presented to the exam provider at the exam site.
Out-of-state Testing
Out of state testing sites available as of February 12, 2015.
Adjuster License Requirements
All insurance adjusters in this state are required to be licensed. Check with the Department of Insurance in your resident state to see how to obtain an adjuster license.
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.
After completing your required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Michigan licensing exams, so you will be prepared to pass the first time.
Exam Provider: PSI
For exam information and for scheduling, go to the PSI website: https://www.psiexams.com/test-takers/
Phone Number: 855- 579-4639
Once you have passed your state licensing exam, you are ready to apply for an insurance license.
For Information, Rules and Requirements, an FAQ and to apply, please go to the NIPR website: https://nipr.com/licensing-center/state-requirements/michigan-resident-licensing-individual
Every insurance producer must adhere to their home state’s CE requirements. Stay on top of your CE and get ahead of the competition with 365 days of unlimited course access when you enroll in a CE library with Kaplan. Michigan does not require Adjusters to complete insurance continuing education.
Learn how to renew your Michigan insurance license by clicking here.
Notice: 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.
Michigan