Michigan Insurance Licensing

Get Your Michigan Insurance License Online

Michigan requires prelicensing education and does not require fingerprinting as part of the licensing process. Michigan producer licenses are perpetual as long as continuing education requirements are met on the state's 2-year CE cycle. Michigan's large auto manufacturing economy creates significant demand for both employer group benefits and individual insurance, while the state's Great Lakes geography creates unique seasonal property and recreational vehicle coverage needs.

Headshot of Justin vom EigenReviewed byJustin vom Eigen, Licensed Insurance AgentLast reviewed: May 2026

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Est. 2018

State-Approved Michigan Prelicensing Provider

Approval #1140 · Verify with the Michigan Department of Insurance and Financial Services

Michigan Licensing — What You Need to Know

Key Michigan-specific details many candidates miss. Verified against primary state sources.

Important

Michigan prelicensing certificate is only valid for 12 months

After completing your 20-hour Michigan prelicensing course, the certificate of completion is valid for 12 months. You must pass the PSI exam within that window or retake the entire prelicensing course. Most candidates schedule their exam within 30–60 days of finishing coursework to leave room for retakes.

DIFS agent licensing

Planning Note

Michigan uses PSI Services for all producer exams

Michigan licensing exams are administered by PSI at testing centers across the state. There is a 24-hour waiting period between retake attempts but no overall limit. Most candidates receive results within minutes of finishing. Confirm current question count, time limit, and exam fee in the PSI Michigan candidate handbook before scheduling.

PSI Michigan portal

Planning Note

Michigan does not require fingerprinting — application-based background check only

Michigan uses an application-based background review rather than fingerprint-based criminal history checks for resident producer licensing. This shortens the licensing timeline compared to states like Texas or Pennsylvania that require IdentoGO appointments. Self-disclose any criminal history accurately on the NIPR application — DIFS will follow up if additional documentation is needed.

What Do You Need?

Whether you're getting licensed for the first time or renewing your existing license, we have the course for you.

Prelicensing

New to insurance? Get your Michigan insurance license with a state-approved prelicensing course. Study online at your own pace, then pass the state exam.

  • 100% online & self-paced
  • Pass guarantee included
  • Starting at $199
Get My License →

Continuing Education (CE)

Already licensed? Complete your Michigan CE hours online before your renewal deadline. We report your completion to the state same-day.

  • Same-day DOI reporting
  • Complete at your own pace
  • Starting at $39
Renew My License →

Michigan Insurance Licensing Requirements

Everything you need to know to get — and keep — your Michigan insurance license.

Prelicensing Requirements

  • Life Only20 hours$199
  • Health Only20 hours$199
  • Life & Health40 hours$199

CE & Renewal Requirements

  • Total CE Hours24 hours
  • Renewal Period2 years
  • Ethics Hours3 hours required

State Exam

  • ProviderPSI Services LLC
  • Passing Score72%
  • Exam Fee$41
  • ResultsWithin 24 hours (most candidates receive results within minutes of completing the exam)
Schedule Exam →

Michigan Department of Insurance and Financial Services

Your license application is submitted to the Michigan Department of Insurance and Financial Services. Most applications are processed within 2–5 business days when submitted online through NIPR or the DOI portal.

Visit Michigan Department of Insurance and Financial Services

How to Get Your Michigan Insurance License

Four steps from start to active license. Same path for Life, Health, and Life & Health producers.

  1. 1

    Complete your prelicensing course

    Finish a state-approved prelicensing course covering the Michigan exam content outline. JustInsurance offers Life, Health, and Life & Health prelicensing online for $199 per line.

  2. 2

    Schedule and pass the Michigan state exam

    Book your exam through PSI Services LLC ($41 per attempt). Passing score is 72%.

  3. 3

    Complete fingerprinting and background check

    Not required

  4. 4

    Submit your license application

    File your producer license application via NIPR with the $10 application fee. Most Michigan applications are processed within 2-4 weeks.

What insurance agents earn in Michigan

Bureau of Labor Statistics wage and employment data for Michigan insurance sales agents.

Median Annual Salary

$59,670

The 50th-percentile wage — half of agents earn more, half less.

Top 10% Earners

$132,770

Annual wage at the 90th percentile (high-performing agents).

Insurance sales agents employed in Michigan

16,190

Total insurance sales agents currently employed (BLS estimate).

Source: U.S. Bureau of Labor Statistics, OEWS — Insurance Sales Agents (SOC 41-3021), May 2024.

Last Verified: May 2026Provider Approval #: 1140

Legal References

Insurance Code: Michigan Compiled Laws, Chapter 500 – Insurance Code of 1956View Statutes

Prelicensing: MCL 500.1204a

CE Requirements: Mich. Comp. Laws 500.1204c

Why Choose JustInsurance for Your Michigan License?

We've helped 20,000+ students get licensed nationwide. Here's why they choose us.

🏛️

State-Approved Courses

Every JustInsurance course is officially approved by the Michigan Department of Insurance and Financial Services to fulfill prelicensing and CE requirements.

📱

Study Anywhere

Access your course on any device — desktop, tablet, or phone. Study at home, during lunch, or on the go.

Pass Guarantee

Meet the study hours, score 80%+ on the practice exam three times, and test within 30 days of enrollment. If you don't pass, we refund your course fee.

Same-Day CE Reporting

We report your CE completions to the Michigan Department of Insurance and Financial Services the same day you finish. No paperwork needed.

🎓

Built to Pass

Practice exams that mirror your actual state exam, flashcards, and video lessons taught by licensed experts.

💬

Real Support

Questions? Our expert support team answers real questions about the course and the licensing process.

What Our Students Say

5-star rated by 20,000+ students licensed nationwide

Thank you for this. Passed Michigan Life Accident and Health last week and taking Michigan Variable Life and Annuities Producer exam in 3 days. Is there any content of yours that you recommend for that? I'd love to check it out. Preciate it, Justin!

CO

ConnorgageYouTube

via YouTube comment · Michigan

Hey Justin @InsuranceExam just wanted to drop in the comments. Thank you very much sir! Watching your videos helped me pass the life insurance producer exam here in Michigan. Thank you for putting out videos that are easy to digest and understand

RO

RobsteventonYouTube

via YouTube comment · Michigan

Can u please send practice exam for Michigan, thanks thanks,

FR

FredandersonYouTube

via YouTube comment · Michigan

Practice Exam

Boost Your Michigan Exam Score

Full-length practice exams that mirror the real state exam. Detailed answer explanations, unlimited retakes. Life, Health, and Life + Health — $59 each.

Recent Articles

Michigan Insurance License — Articles, Guides & News →

Step-by-step guides, exam prep tips, and the latest Michigan licensing updates.

Michigan Insurance License FAQs

How do I get my Michigan insurance license?

Getting your Michigan insurance license involves four steps. First, complete a state-approved prelicensing course (40 hours for the combined Life & Health line). Second, pass the Michigan state licensing exam administered by PSI Services LLC — you need a score of at least 72% to pass. Third, complete a background check. Fourth, Submit your application through the National Insurance Producer Registry (NIPR) and pay the Michigan Department of Insurance and Financial Services application fee of $10. Most candidates complete the entire process in 2-4 weeks. JustInsurance offers fully online, self-paced prelicensing courses approved for Michigan that get you to exam day confident and prepared.

How much does it cost to get a Michigan insurance license?

The total cost to get your Michigan insurance license typically runs $350-500 estimated total cost. Here is how it breaks down: the PSI Services LLC exam fee is $41, the Michigan Department of Insurance and Financial Services application fee is $10. If you need a prelicensing course, JustInsurance's Michigan combined Life & Health package is $199 — that's $199 less than purchasing Life and Health courses separately. Everything you need to get licensed, with no hidden fees.

How long does it take to get licensed in Michigan?

Most focused candidates complete the Michigan insurance licensing process in 2-4 weeks. That timeframe covers finishing your prelicensing course (you get 30 days of access; most students finish in 5–10 days), scheduling and passing the PSI Services LLC state exam, clearing your background check, and waiting for the Michigan Department of Insurance and Financial Services to process your application. The PSI Services LLC exam delivers results quickly — most candidates receive their score before leaving the testing center. JustInsurance's self-paced format lets you move as fast or as steady as your schedule allows.

What is the pass rate for JustInsurance students on the Michigan insurance exam?

JustInsurance students nationwide pass insurance licensing exams at a rate of approximately 93% on their first attempt — measured among students who complete the full course, finish the recommended study hours, and score 80%+ three times in a row on the practice exam before testing. The Michigan exam is administered by PSI Services LLC and requires a minimum score of 72% to pass. If you do not pass on your first attempt, you can retake it after a 24-hour waiting period. There is no limit on the number of times you can retake the exam. Your pre-licensing education certificate is valid for 12 months, so you must pass within that window or retake your coursework. See our full pass rate methodology at /pass-rates.

How much do insurance agents make in Michigan?

Insurance agents in Michigan earn an average of $71,140 per year according to Bureau of Labor Statistics data. New agents starting out typically earn around $36,510 in their first year while building a client base, and top producers in Michigan can earn $125,780 or more annually. Demand for new insurance producers remains steady in Michigan. Income is heavily influenced by the lines of authority you hold and whether you work as a captive or independent agent — the combined Life & Health license unlocks the broadest product range and highest earning potential.

How long does a Michigan insurance license last before renewal?

Michigan insurance producer licenses are perpetual as long as CE requirements are met. The state operates on a 2-year CE compliance cycle, with credits due by the first day of your birth month at the end of each cycle. Michigan requires 24 hours of CE per cycle, including 3 hours of ethics. No fingerprinting is required for the Michigan insurance license application, which helps streamline the initial process.

Last updated: May 2026

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