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Insurance Agent
Training: 20 hours | Exam: Yes
20 hrs
P&C Education
20 hrs
L&H Education
2 years
Renewal Cycle
$97
Gov. Fees (Both)
Insurance Producer
Michigan licenses insurance producers with lines of authority including Life, Accident and Health, Property, Casualty, and Personal Lines. Each single line requires 20 hours of pre-licensing education; combined/dual lines require 40 hours. Exams are administered by PSI Services. Michigan uses variable passing scores by exam type (72%-76%) rather than a standard 70%. Effective June 10, 2025, PSI no longer offers remote proctoring for Michigan exams.
Other Available Lines of Authority
20 hours of approved pre-licensing education required
20 hours per line of authority. Must pass Certification Exam after course (70% minimum). Certificate of Completion valid 1 year.
Online courses: Allowed
Michigan Property and Casualty Insurance Examination
Administered by PSI (in-person only as of 6/10/2025)
150
Questions
74%
Passing Score
150 minutes (2.5 hours)
Time Limit
$41
Exam Fee
The combined Property and Casualty exam has 150 questions with a 2.5-hour time limit and requires a 74% passing score. Individual Property exam is 100 questions (2 hours, 75% to pass) and individual Casualty exam is 100 questions (2 hours, 73% to pass). Note: Michigan uses variable passing scores that differ by exam type — not a standard 70% like most states. Effective June 10, 2025, remote proctoring is no longer available; all exams must be taken in person at a PSI test center.
20 hours of approved pre-licensing education required
20 hours per line of authority. Must pass Certification Exam after course (70% minimum). Certificate of Completion valid 1 year.
Online courses: Allowed
Michigan Life, Accident and Health Insurance Examination
Administered by PSI (in-person only as of 6/10/2025)
150
Questions
75%
Passing Score
150 minutes (2.5 hours)
Time Limit
$41
Exam Fee
The combined Life, Accident and Health exam has 150 questions with a 2.5-hour time limit and requires a 75% passing score. Individual Life exam is 100 questions (2 hours, 72% to pass). Individual Accident and Health exam is 100 questions (2 hours, 76% to pass). Michigan's variable passing scores are higher than the standard 70% in most states. Remote proctoring discontinued June 10, 2025.
Compare top-rated insurance pre-licensing schools in Michigan.
Minimum Age
18 years old
Education
No specific education requirement beyond 20-40 hour pre-licensing course per line
Residency
Must apply as resident producer if domiciled in Michigan. Non-residents apply through NIPR.
Background Check
Michigan does NOT require fingerprinting for insurance license applicants. This is unusual among states.
Fingerprinting
Not required
Citizenship
US citizen or authorized to work in the US
Not sure if you need a insurance agent license? Check whether your state requires one.
Michigan Life, Accident and Health Insurance Examination
Questions
150 questions
Time Limit
150 minutes (2.5 hours)
Passing Score
75%
Administered By
PSI (in-person only as of 6/10/2025)
Cost of failing
Retake fee: $41Invest in preparation to pass the first time.
How long should you study? Most candidates study 2–4 weeks before taking the Michigan Life, Accident and Health Insurance Examination.
Study Materials & Exam Prep — Life & Health Insurance License Exam
Prepare for your Life & Health Insurance License Exam with Mometrix study guides, flashcards, online courses, and practice tests.
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Complete Your Pre-Licensing Education in Michigan
State-approved online courses you can start today.
| Fee | Amount |
|---|---|
Application Fee Plus a $5 transaction fee = $15 total. Application valid for 180 days from entry into DIFS database. | $10 |
P&C Exam Fee Property and Casualty exam fee paid to PSI at time of reservation | $41 |
L&H Exam Fee Life, Accident and Health exam fee paid to PSI at time of reservation | $41 |
Fingerprinting Fee Michigan does NOT require fingerprinting for insurance license applicants | $0 |
Total Gov. Fees (Single Line) Application ($10 + $5 transaction = $15) + exam ($41) = $56 for one line. No fingerprint fee. | $56 |
Total Gov. Fees (Both Lines) Application ($15) + P&C exam ($41) + L&H exam ($41) = $97. No fingerprint fee. One of the lowest total government fee states. | $97 |
Pre-Licensing Course Cost: $100-$400(per line)
20-40 hour pre-licensing course per line. Varies by provider. NOT a government fee.
Use our licensing cost calculator to estimate your total investment including education and exam fees.
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Complete 40 hours of approved pre-licensing education for Property and Casualty (20 hours per line)
Receive certificate of completion
Schedule the Property and Casualty exam through PSI (in-person only; remote proctoring discontinued June 2025)
Pass the Property and Casualty exam (150 questions, 74% passing score, 2.5 hours)
Apply for your license through NIPR
Pay the $15 application fee ($10 + $5 transaction fee)
Application valid for 180 days from entry into DIFS database
Complete 40 hours of approved pre-licensing education for Life and Accident & Health (20 hours per line)
Receive certificate of completion
Schedule the Life, Accident and Health exam through PSI (in-person only)
Pass the exam (150 questions, 75% passing score, 2.5 hours)
Apply for your license through NIPR
Pay the $15 application fee ($10 + $5 transaction fee)
Exam must be taken within 12 months of pre-licensing course completion
Important: A license alone does not allow you to sell insurance
After obtaining your license, you must be appointed by at least one insurance company to sell their products. The carrier files the appointment with DIFS.
Appointment fee: Paid by carrier
Michigan participates in NIPR for non-resident licensing. Non-resident producers are exempt from Michigan CE requirements if they complete CE in their home state and remain in good standing.
Additional requirements: Must hold active license in good standing in home state. No fingerprinting required. Non-residents exempt from MI CE.
Moving to another state? Use our Transfer Tool to see what you need →
Compare Michigan with other states →
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Renewal Cycle
2 years
Renewal Fee
$100
CE Required
24 hours per cycle
Ethics Hours
3 hours (included in CE total)
Resident producers must earn 24 credits of state-approved CE every 2 years, with a minimum of 3 credits in ethics coursework. License terms are based on the first day of the licensee's birth month every 2 years. Even birth year = even renewal year, odd birth year = odd renewal year. Non-resident producers are exempt from Michigan CE requirements if they have completed CE in their home state and remain in good standing.
Regulatory Board
Unique to Michigan: Michigan is one of the most affordable states for insurance licensing with just $15 application fee, $41 exam fee, and no fingerprinting requirement ($56 total for one line). However, the state has higher-than-average passing scores (72%-76% depending on exam type vs. the standard 70% in most states). The discontinuation of remote proctoring in June 2025 means all exams must now be taken in person. Taking the exam before completing pre-licensing education will invalidate results, unlike some states that allow this.
Insurance Agent requirements in nearby states
Other professional licenses in Michigan
See how Michigan compares: Insurance Agent License Fees by State — Cheapest to Most Expensive →
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Official Sources
Insurance Agent requirements in Michigan verified against Michigan Department of Insurance and Financial Services (DIFS), April 2026.
Moving to Michigan? Use our free Transfer Tool to see what you need →
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