Michigan PreLicensing Requirements 

Individual Resident Producer Requirements

To qualify for a resident Michigan state insurance producer license, the applicant must satisfy the following requirements:

• Be 18 years of age or older
• Be a resident of Michigan
• Complete an approved prelicense education course (see prelicense requirements below)
• Pass a written examination
• File a license application

PreLicense Education Requirements (PLE)

Applicants must complete 20-hours of prelicense education (PLE) for each major line of authority (LOA). An applicant who wishes to obtain a Life and Accident & Health license must complete 40 hours of PLE, and will receive a separate certificate of completion for each LOA.

• 20-hours Michigan Life Insurance
• 20-hours Michigan Accident & Health Insurance
• 40-hours Michigan Life, Accident & Health Insurance
• 20-hours Michigan Property Insurance
• 20-hours Michigan Casualty Insurance
• 40-hours Michigan Property & Casualty Insurance

State Candidate Handbook

Before making an exam reservation, applicants should thoroughly review the Licensing Examination Candidate Information Bulletin, which contains the exam content outlines and important information regarding eligibility and the examination and licensing application process.

PLE Course Delivery

Per Michigan PLE requirements, applicants are required to complete all of the lessons in the prelicense education course sequentially before they can be issued a certificate of completion.

PLE Course Exam

• Passing Score: Applicants must pass the Prelicense.com course final exam with a 70% or higher to receive a certificate of completion.  NOTE: The state insurance license exam, administered by PSI, has higher minimum passing grades, as follows:

·      Accident & Health Producer exam          75%

·        Life Producer exam                                    72%

·        Life, Accident & Health Producer exam 73%

·    Property & Casualty Producer exam                73%

·    Property producer exam                                   74%

·    Casualty producer exam                                    73%

Exam Proctor Requirements: The final exam does not require a proctor.

Certificate of Completion

PreLicense.com provides online, printable certificates of completion in Michigan.  An applicant must meet the course delivery requirements before a certificate of completion can be issued.

Please note that certificates cannot be faxed to applicants since the provider representative's signature must be in ink other than black.

IMPORTANT: The licensing candidate must take the initial examination within 12 months of completing the PLE course.  If a passing exam score is not achieved by the end of the 12 months, applicants will have to retake the PLE course, and earn a new certificate of completion.

State Reporting Requirements 

Prelicense.com reports course completions daily to the Michigan Department of Insurance and Financial Services (DIFS).

State Licensing Exam

Important:  Michigan requires applicants to complete their PLE education requirements prior to testing.

License applications are valid for six months. If the state exam is not passed within six months, candidates must reschedule their exam and submit new prelicensing education certificate (if necessary), application and fees.

For quicker license application processing, candidates should submit their Electronic Resident Licensing (ERL) application at www.nipr.com prior to taking the license examination.

Methods of Registration

• Register Online: Click here to register online
• Register by Phone: (800) 733-9267
• On-site registration not allowed

Materials Needed to Present at Exam Site 

• Candidates taking an examination for a Life, Accident & Sickness, or Property & Casualty license must present a PLE certificate of completion for each LOA being sought prior to being admitted to the examination.
• Two forms of valid signature bearing identification.  Primary identification must be state or government issued.
• A failed exam score report is required for exam retakes.

Testing Sites, Fees, and Schedules

• Testing Sites: Click here to view a list of testing centers in Michigan
• Exams and Fees: Insurance License Exams and exam fees can be found in the Licensing Examination Candidate Information Bulletin.  Currently, the exam fee is $40.00.

State Exam Passing Score

Click here to view state exam passing scores published by the MI Department of Insurance and Financial Services (DIFS).

License Application Process

Ways to Apply

• Apply Online: Click here to submit your license application online.

Materials Needed to Apply

Applicants who receive a passing score on the state exam will need to forward the materials listed below to the Michigan Department of Insurance and Financial Services (DIFS).

• completed insurance license application
• passing score report(s)
• the appropriate license application fees

Fingerprinting Process

There are no fingerprint requirements in the state of Michigan.

New Resident Producer Requirements

New residents who still hold an active license in their previous home state will not be required to complete prelicense education or take the license examination as long as:

• the application is received within 90 days of their former home state license being surrendered
• the license being applied for is the same line of authority as in the previous
• If the prior home state license was surrendered more than 90 days ago, but less than 12 months ago, the applicant can obtain a license without prelicensing but must take the licensing examination

License Application Process

A nonresident licensee who wishes to become a resident licensee must apply online and submit the required application fees at www.nipr.com.

Materials Needed to Apply

• completed insurance license application  http://www.nipr.com
• the appropriate license application fees

Fingerprinting Process

There are no fingerprint requirements in the state of Michigan.

Nonresident Producer Requirements

Nonresident license candidates may obtain a Michigan agent license, without having to complete the prelicense education requirement or take a license examination, as long as they are currently licensed as a resident and in good standing in their home state.

License Application Process

Nonresidents must apply online and submit required fees at www.nipr.com.  Michigan will rely on verification of applicant's resident license through the State Producer Licensing Database in lieu of original letter of certification.

Materials Needed to Apply

• completed insurance license application  http://www.nipr.com
• the appropriate license application fees

Fingerprinting Process

There are no fingerprint requirements in the state of Michigan.

State-Required Product Training

Your state has special training requirements in order for licensed agents to sell the following products:

Long-Term Care: Before selling, soliciting, or negotiating LTC insurance products in Michigan, producers must complete an initial 8-hour, state-approved LTC training course.

Purchasing State-required Product Training with your exam prep course from the PreLicense.com catalog will allow you to take one of the special training requirement courses from WebCE. Additional fees for state filing, books or shipping may apply at the time you register to begin taking the product training course.

Click here for more information regarding state-specific product training.

Contact Information

Michigan Department of Insurance and Financial Services (DIFS).

530 West Allegan, 7th Floor
Lansing, MI 48933
Phone: 517-373-0220
Fax: 877-999-6442
Email: ofir-info@michigan.gov
Web Site: Click here to visit the Michigan Department of Insurance and Financial Services Website

PSI
Phone:  800-733-9267
Web Site: Click here to visit PSI's Website

NIPR
Candidates may contact NIPR with questions regarding electronic licensing application process at 816-783-8468 or at customerservice@nipr.com.