Michigan insurancelicense requirements
Michigan insurance license at a glance
- Prelicensing course
- 20 hours per line
- Exam provider
- PSI
- Passing score
- 72% to 76%, by exam
- Exam fee
- $41 per exam
- License fee
- $10
- Continuing education
- 24 hours every 2 years
How to become an insurance agent in Michigan
Below, you'll find the steps to a Michigan insurance license, the exams for each line, and what it takes to keep your license active.
Requirements for Michigan insurance producers
Contact the Michigan insurance department
How much do insurance agents make in Michigan?
Michigan average insurance agent salary (all lines): $77,260
That is the mean annual wage for insurance sales agents in Michigan in the Bureau of Labor Statistics' May 2025 survey.
Estimates by line, from Achievable's May 2026 salary research (not BLS figures):
- Life insurance agent: $77,544
- Health insurance agent: $48,069
- Property and casualty insurance agent: $41,634
Please note that salaries will vary based on experience level and local demand.
Does Michigan require prelicensing education?
Michigan requires producer licensing candidates to take and complete a state-approved prelicensing course (20 hours per line of authority; 40 hours for Life and Health or Property and Casualty). You will also need to apply for your license with the state insurance department and register for the state licensing exam. Make sure to register for all 3 (prelicensing course, license application, state exam) using the personally identifiable information exactly as it appears on your government-issued ID. Discrepancies will delay the licensing process. (Note: applicants for the Michigan Variable Life and Annuity producer license are only required to pass the state licensing exam and do not have to complete prelicensing education)
How do I get my insurance license in Michigan?
Becoming an insurance producer in Michigan requires passing a state-mandated insurance exam in the specific line or lines you wish to specialize in, as well as completing the following steps:
- Step 1: Complete a Department of Insurance-approved prelicensing course. After finishing, Achievable will issue a certificate of completion and send your results to the state within 2 business days. You don’t need to bring the certificate to the exam; the state matches your course completion to your exam score. This certificate is valid for one year.
- Step 2: Apply for your license via NIPR at https://nipr.com/ before you take the exam, so the state can match your course completion and exam score to your application. Your application is valid for 180 days.
- Step 3: Schedule your exam with PSI Exams at https://test-takers.psiexams.com/midifs or call (855) 579-4639. Michigan exams are taken only at PSI testing locations; remote proctoring is not offered. To avoid forfeiting your fee, reschedule or cancel at least 48 hours in advance. Ensure that the name you use when scheduling matches the ID you’ll present at the test.
- Step 4: On exam day, bring one valid, non-expired government-issued ID with your photo and signature. Without it, you cannot take the exam. You’ll receive your results immediately after the exam, and if you don’t pass, a diagnostic report will be provided. Review the candidate bulletin at PSI Exams for detailed security measures and restrictions.
If you need assistance with any of these steps or have questions about specific requirements, contact the Michigan insurance department for the most current information.
Michigan insurance exam information
Michigan Life Producer Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 72% |
| Pass rate | 51.9% (1,522 of 2,934 first-time test takers, 2025) |
Michigan Accident and Health Producer Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 76% |
| Pass rate | 49.1% (340 of 693 first-time test takers, 2025) |
Michigan Life, Accident and Health Producer Examination
| Detail | Value |
|---|---|
| Questions | 150 Total Questions |
| Time limit | 2.5 Hours |
| Passing score | 75% |
| Pass rate | 50.4% (2,159 of 4,285 first-time test takers, 2025) |
Michigan Property Producer Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 75% |
| Pass rate | 56.8% (21 of 37 first-time test takers, 2020) |
Michigan Casualty Producer Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 74% |
| Pass rate | 37.8% (28 of 74 first-time test takers, 2020) |
Michigan Property and Casualty Producer Examination
| Detail | Value |
|---|---|
| Questions | 150 Total Questions |
| Time limit | 2.5 Hours |
| Passing score | 74% |
| Pass rate | 47.6% (989 of 2,079 first-time test takers, 2020) |
Michigan Personal Lines Producer Examination
| Detail | Value |
|---|---|
| Questions | 100 Total Questions |
| Time limit | 2 Hours |
| Passing score | 75% |
| Pass rate | 65.5% (110 of 168 first-time test takers, 2020) |
Michigan Variable Life and Annuities Producer Examination*
| Detail | Value |
|---|---|
| Questions | 60 Total Questions |
| Time limit | 1 Hour |
| Passing score | 74% |
Pass rates are for first-time test takers, from the NAIC's state exam reports. Each rate shows its year, and it is the most recent NAIC figure we have for that exam.
Additional requirements
Michigan insurance licensing fees
- Initial license fees: Resident Producer $10; Resident Surplus Lines Producer $110; Nonresident Producer $10; Nonresident Surplus Lines Producer $110
- Renewal fees: Resident Surplus Lines Producer $100; Nonresident Surplus Lines Producer $110
- Resident producer license renewal date: First day of birth month every 2 years
- Nonresident renewal: Perpetual
Where can I apply for a resident insurance license in Michigan?
Apply through NIPR
How can I apply for a non-resident insurance license in Michigan?
- 1. Must be at least 18 years old. Must answer background questions.
- 2. A physical address is required. P.O. Box is for mailing address only.
- 3. Variable Annuities require CRD number.
- 4. Must not be affiliated with a funeral home, mortuary, or cemetery, but can still apply for a limited life license.
- 5. Apply via NIPR and pay $10 plus NIPR processing fees.
Michigan carrier appointments and insurance license terminations
- Required to report appointments: Yes
- Permits Just-in-time appointments: No
- Appointment exemptions: An individual needs a carrier appointment to sell travel as a standalone product
- Initial appointment deadlines: Prior to solicitation; within 15 days of contract execution or first business submission
- Initial appointment deadline rule: MI ST 500.1208a (appointment must be electronically filed within 15 days)
- Can be processed via NIPR: Yes
- Fees for appointing resident or nonresident: $5
- Appoint agencies: Yes
- Agency appointment covers affiliated producers: No
- Agency appointment notes: Carrier must appoint affiliated producer first
- Appointment effective date can be specified: Yes (not future, less than 15 days old)
- State requires appointment renewal: Yes - renewal each January via DIFS epayment
Michigan insurance license termination details
- Terminations processed via NIPR: Yes
- Termination fee: None
- Termination reason code required: No
- Carrier may specify termination date: Yes (must not be future and less than 15 days old)
- Allows carriers to terminate if license expired: No
- Not-for-cause notices must be mailed
Michigan insurance license renewals
Resident renewal period begins 90 days before expiration ; Renewal date: First day of birth month every 2 years ; Nonresident producer license: Perpetual ; Missed renewal: license suspended 90 days; after 12 months must reapply ; Agency licenses: Perpetual
Michigan insurance license continuing education (CE) requirements
- CE total hours: 24 every 2 years
- CE due before renewal: Yes
- CE due date: First day of birth month biennially
- CE rollover: Up to 12 general hours
- Ethics: 3 hours
- Flood (NFIP): 3 hours
- LTC: 8-hour initial + 4 hours every 2 years
- Annuity: one-time 4-hour course
- CE instructor credits allowed: Yes
- CE exemptions: Limited lines and some surplus-lines-only LOAs exempt
Michigan insurance license FAQs
There is no set timeline: most of it depends on how long you study and how soon you can book an exam. Start with the prelicensing requirement: 20 hours per line. After you pass, you have 1 year to apply. The state gives this processing time: 14 to 21 business days.
No. Michigan insurance exams are taken in person at PSI test centers.
Expect to pay $41 per exam for the exam and $10 for the license. Any exam prep is extra.
Yes. Michigan sets this requirement: 20 hours per line.
The passing score is 72% to 76%, by exam. In 2025, 50.4% of first-time test takers passed the Michigan life and health exam, according to the NAIC.
Apply through NIPR after you pass your exam.
Michigan requires 24 hours every 2 years to keep your license active.
For what an agent does, the types of insurance and how multi-state licensing works, see our guide to insurance licensing by state.
Sources
- Prelicensing: michigan.gov
- Exam provider, exam fee, passing score, online exams and time to apply after passing: test-takers.psiexams.com
- License fee and where to apply: michigan.gov
- Continuing education: michigan.gov
- Processing time: nipr.com
- Pass rates: NAIC state exam reports
- Average salary: Bureau of Labor Statistics, May 2025
Compiled from official Michigan and exam provider sources as of . Licensing rules and fees change, so confirm them with the Michigan insurance department before you apply.
Conclusion
If you're ready to start your journey toward becoming a licensed insurance agent in Michigan, Achievable's license exam prep covers each major line: Life & Health insurance license exam prep, Property & Casualty license exam prep, and Personal Lines license exam prep. Our comprehensive study materials and practice exams are designed to help you pass your licensing exam on the first attempt.
Interested in insurance licensing in other states?
