Michigan License Requirements
Michigan Insurance License Requirements (2026)
Everything you need to know to get and keep your Michigan insurance license — hours, exam, fingerprinting, renewal, and state-specific rules.
Michigan Insurance License Requirements at a Glance
Key facts for getting and maintaining your Michigan insurance license.
| Minimum Age | 18 years old |
| Residency Requirement | Must be a resident of Michigan |
| Prelicensing Hours (Life) | 20 hours |
| Prelicensing Hours (Health) | 20 hours |
| Prelicensing Hours (Life & Health Combined) | 40 hours |
| Exam Provider | PSI Services LLC |
| Exam Fee | $41 |
| Passing Score | 70% |
| Application Fee | $10 |
| Background Check Cost | $No separate fee |
| Fingerprinting Required | No |
| CE Hours Required | 24 hours every 2 years |
| Ethics CE Hours | 3 hours |
| Renewal Deadline | Michigan licenses expire on the last day of your birth month every 3 years |
| License Duration | 2 years |
| Special Training Required | No |
| Total Cost Estimate | $350-500 estimated total cost |
| Total Licensing Time | 2-4 weeks |
How to Get Your Michigan Insurance License
Follow these five steps to go from zero to licensed in Michigan.
Complete Prelicensing Education
Michigan requires you to complete 40 hours of state-approved prelicensing education before sitting for the exam. JustInsurance's online courses let you study at your own pace on any device. You'll receive an official certificate of completion once you finish.
Browse Michigan Prelicensing Courses →Schedule and Pass the State Exam
The Michigan insurance licensing exam is administered by PSI Services LLC. The exam fee is $41, and you'll need a passing score of 70%. Schedule your exam online after completing your prelicensing education.
Schedule Your Exam with PSI Services LLC →Complete Fingerprinting
Not required
Apply for Your License
Submit your application through the National Insurance Producer Registry (NIPR) The application fee is $10. Processing typically takes 14-21 business days.
Apply for Your Michigan License →Get Appointed and Start Selling
Once your Michigan insurance license is issued, you must be appointed by an insurance carrier before you can sell their products. Each carrier you work with will submit an appointment request to the Michigan Department of Insurance and Financial Services. Appointments are typically processed within a few business days, and there is no additional exam required. Your sponsoring agency or carrier will guide you through this process.
Michigan Fingerprinting Requirements
Not required
Name Match Requirement
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Michigan CE Renewal Requirements
To keep your Michigan insurance license active, you must complete continuing education every 2 years. Here are the details:
24 hours
Total CE Hours
3 hours
Ethics Hours Required
2 years
Renewal Period
Michigan licenses expire on the last day of your birth month every 3 years
Renewal Deadline
$39
CE Package Price
DIFS
Regulatory Body
Michigan Insurance Licensing Laws & Regulations
Legal citations and statutory references governing insurance licensing in Michigan.
Insurance Code
Michigan Compiled Laws, Chapter 500 – Insurance Code of 1956View Statute
Prelicensing Education
MCL 500.1204(2); MCL 500.1205(1)(c); R 500.3 and R 500.4
Examination Requirements
Mich. Comp. Laws 500.1205(1)(e)
Age Requirements
MCL § 500.1205(1)(a)
Background Check
MCL Sec. 500.1239(1)(d)-(e); Sec. 500.6301(3)(a)
Fingerprinting
N/A — not required
License Application
MCL § 500.1205(1)
CE Requirements
Mich. Comp. Laws 500.1204c
CE Ethics
MCL 500.1204c
Administrative Code
R 500 series - Department of Insurance and Financial ServicesView Statute
Provider Regulation
Michigan Compiled Laws §500.1204c
Michigan Insurance License Requirements — FAQs
How long does it take to get a Michigan insurance license?
Most candidates complete the Michigan insurance licensing process in 2-4 weeks. This includes completing prelicensing education, passing the state exam, fingerprinting (if required), and waiting for license approval after submitting your application.
What happens if my name doesn't match my ID in Michigan?
Your name on the exam registration, course enrollment, and license application must match your government-issued ID exactly. Any discrepancies — including middle names, suffixes, or maiden names — can cause delays in your license application.
Where do I get fingerprinted in Michigan?
Not required
Can I transfer my insurance license from another state to Michigan?
Reciprocal licensing is available for producers licensed in good standing in their home state. No exam or pre-licensing education is required.
How much does a Michigan insurance license cost?
The total cost to get your Michigan insurance license typically falls in the $350-500 estimated total cost range. This includes: prelicensing course fees, the exam fee ($41), the state application fee ($10), and the background check cost ($No separate fee). Individual costs vary based on the line of authority you choose.
What are the Michigan CE requirements?
Michigan requires licensed insurance agents to complete 24 hours of continuing education every 2 years, including 3 hours of ethics training. Your renewal deadline is Michigan licenses expire on the last day of your birth month every 3 years. JustInsurance offers state-approved CE packages starting at $39.
How long does a Michigan insurance license last before renewal?
Michigan insurance licenses have a 3-year renewal cycle, which is longer than the 2-year cycle common in most states. This means you need to complete CE requirements less frequently. Michigan requires 24 hours of CE per renewal period, including 3 hours of ethics. No fingerprinting is required for the Michigan insurance license application, which helps streamline the initial process.
What are the prelicensing hour requirements in Michigan?
Michigan requires 20 hours for Life, 20 hours for Health, and 40 hours for a combined Life & Health license. Courses are available fully online through JustInsurance.
Ready to Get Your Michigan Insurance License?
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