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: 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.

Department of Insurance and Financial Services

Stevens T. Mason Building
530 W Allegan St., 7th Floor 
Lansing, MI 48033-1521
Phone: 517-284-8836
Website: http://www.michigan.gov/difs
Email:  difs-licensing@michigan.gov

How to Get Your Michigan Insurance License

1. Complete an Insurance Prelicensing Course

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. 

• Review for more information:  http://www.michigan.gov/documents/difs/Out-of-State_Testing_Sites_487168_7.pdf

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.

2. Pass Your Michigan Licensing Exam

3. Apply for a Michigan Insurance License

4. Plan to Complete Required Insurance Continuing Education (CE) Credits

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.