Get Your Michigan Insurance License Online

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.

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.

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.

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.

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.

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.