Michigan Insurance License State Requirements | Kaplan Financial Education

On this page, you will find all the state specific information for insurance licensing in the state of michigan. this information refers to applicants for residence licenses. For additional resident license information or nonresident license information, see 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 best to make the process of completing the educational requirements for licensing as simple as possible.

department of insurance and financial services

steven t. mason building530 w allegan st., 7th floor lansing, mi 48033-1521phone: 517-284-8836website: http://www.michigan.gov/difsemail: [email protected]

Reading: How to become an insurance agent in michigan

how to get your michigan insurance license

1. complete an insurance pre-licensing course

michigan requires those seeking an insurance license to complete the pre-licensing before taking the state licensing exam. prelicensing courses with kaplan give you the best chance of passing – our pass rates are among the highest in the industry.

Pre-licensing education hour requirements

  • life & health: 40 hours (34 hours on life and health insurance principles)
  • life: 20 hours (14 hours on life insurance principles)
  • accidents & health: 20 hours (14 hours on principles of health insurance)
  • property & accidents: 40 hours (34 hours of property and liability insurance principles)
  • property: 20 hours (14 hours of property insurance principles)
  • accidents: 20 hours (14 hours of principles of liability insurance principles)
  • personal lines: 20 hours (14 hours of principles of property and liability insurance)

note: the hours above include the 6 hours required by professional ethics and michigan insurance laws.

important pre-study requirements

life and accident & Accelerated Health Courses Only: This accelerated prelicensing review requires both prior study and classroom attendance. A minimum number of hours of previous study is required before the start of the 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 live class):
    • life & health: 16 hours total (8h health, 8h health)
    • health only: 8 hours
    • health only: 8 hours
    • property & claim: 16 hours (8 hours property, 8 hours claim)

    online course requirements

    forced progression: This requires the user to successfully complete each page of the online course before being allowed to continue to the next.

    education exemptions for exams and/or pre-licenses

    Pre-licensing requirements may be waived for candidates who have earned one or more of the following designations, certifications, or college credit:

    • clu®, cpcu®, rhu, arm, cfp®, aai, chfc®, cic, flmi, rebc, lutcf, hia, cebs, or have a special concentration in college credit in insurance from an accredited university .

    Note: Candidates must provide the required confirmation of their designation, certification, or college credit with their written application to 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 must be licensed. check with the insurance department in your state of residence to see how to obtain an adjuster’s license.

    certificate of completion requirements

    See also: What kind of insurance is blue cross blue shield

    Candidates are not required to present their certificate to the test provider at the test site. Certificates are valid for 12 months from the course completion date.

    2. pass your michigan license exam

    After completing the required prelicensing course, you must pass a state licensing exam. Kaplan’s prelicensing content is based directly on the Michigan licensing exams, so you’ll be prepared to pass the first time.

    test provider: psi

    upon completion of the course, passing the pre-licensing exam, and passing the state exam with psi, license candidates must submit an electronic resident license (erl) application through the national producer registry website insurance (nipr) at http://www. .nipr.com.

    To greatly improve call center response time, candidates now have a dedicated number to call. For help, visit www.psiexams.com or call psi at 855-579-4639.

    call center hours:

    • Monday – Friday 8:00 am – 10:00 pm Eastern Time
    • Saturday – Sunday 8:30 am – 6:00 pm Eastern Time

    the erl application is required although candidates no longer need the nipr confirmation page as part of the acceptance criteria to take an exam with psi.

    • For a licensing information bulletin, visit the psi website at http://www.psiexams.com.
    • To schedule an exam, contact psi at http: //www.psiexams.com. psiexams.com or 800-733-9267.

    Beginning 8/31/20, candidates can begin scheduling remote proctoring for their insurance pre-licensing exams through psi bridge: home.psiexams.com. check their website for technical requirements and other information.

    Frequently Asked Questions about the Michigan Licensing Exam

    After I complete my pre-licensing, what do I need to do next to prepare for test day?

    report to exam site

    On the day of the exam, plan to arrive 30 minutes before your scheduled start time so you can register, verify identification, and become familiar with the exam process. If you do not register at the scheduled start time, you will not be allowed to take the exam and you will forfeit the exam fee. all test sites will provide earplugs upon request.

    ID required

    Candidates must register for the exam using their legal first and last name as it appears on their government-issued identification. all identification required below must match the first and last name under which the candidate is registered. Candidates are required to bring two (2) forms of identification with a valid (non-expired) signature to the test site. If the candidate does not bring proper identification or the names of the candidates do not match, the candidate will not be allowed to take the exam and the exam fee will not be refunded.

    main id

    choose one (note: ID must contain candidate’s signature and photo, be valid, and not expired).

    • state-issued driver’s license
    • state-issued identification card
    • us government-issued passport uu.
    • military identification card issued by the us government. uu. </li
    • alien registration card issued by the us government. uu.
    • Canadian government issued ID

    secondary identification

    choose one

    • credit card (must be signed)
    • social security card

    Note: Student ID and employment ID are not acceptable forms of identification.

    See also: How long does a provider have to bill insurance

    what is the licensing exam like?

    copying or communicating exam content is a violation of a candidate’s contract with psi and of federal and state law. Either may result in disqualification of exam results and may lead to legal action.

    The following security procedures apply during exams:

    • All personal belongings of candidates must be placed in the secure storage provided at each site before entering the exam room. personal belongings include, but are not limited to, the following items:
      • electronic devices of any kind, including cell/mobile phones, recording devices, electronic watches, cameras, pagers, laptops, tablets (p. ipads), music players (e.g. ipods), smart watches, radios, or electronic games.
      • bulky or loose clothing or coats that could be used to conceal recording devices or notes. For safety reasons, outerwear such as but not limited to: open sweaters, cardigans, shawls, scarves, hoodies, vests, jackets, and coats are not permitted in the testing room. in the event you are required to remove outer clothing, you must wear appropriate clothing underneath, such as a shirt or blouse.
      • hats or headgear not worn for religious reasons or as religious attire, including hats, baseball caps, or visors.
      • other personal items, including purses, notebooks, reading or reference material, briefcases, backpacks, purses, pens, pencils, other writing devices, food, drinks, and good luck items.

      The following suggestions will help you prepare for your exam.

      • only consider the actual information given in the question, don’t read the question considering the possibilities or exceptions.
      • planned preparation increases the probability of passing.
      • Start with a current copy of the Candidate Information Bulletin and use the Exam Content Summary as the basis for your study.
      • read study materials that cover all topics in the content outline.
      • take notes of what you study. Putting information in writing helps memorize it and is also a great business practice.
      • discuss new terms or concepts as often as you can with your colleagues. this will test your understanding and reinforce ideas.
      • Your studies will be more effective if you study frequently, for periods of about 45 to 60 minutes. concentration tends to drift when you study for long periods of time.

      exam content outlines

      Individual exam content outlines are available from psi for each exam. the content outlines indicate the exam time limit, the minimum score required to pass, the subject area, and the number of items in each area.

      For a summary of your specific exam content, visit www.psiexams.com/difs, select state/government licensing agencies/michigan/insurance. summaries of the exam content can be found in the information links (on the right side of the page).

      How is the licensing exam scored?

      psi, in cooperation with the diffs, will continually evaluate the exams that are administered to ensure that the exams accurately measure competency in the required knowledge areas. Comments can be entered during the exam by clicking the comments link on the function bar of the test question screen. Your comments on the questions and exams are welcome. Comments will be reviewed by the psi test development staff. While psi does not respond to individuals regarding these comments, all substantive comments are reviewed. If a discrepancy is found during the feedback review, psi and the department may re-evaluate the candidate’s results and adjust them accordingly. this is the only review of the exam available to you.

      report of test results

      Exam passing results are valid for 12 months from the “pass” date. your results will be given to you immediately after the completion of the exam.

      If you pass, you will receive an exam results report stating “passed”.

      If you don’t pass, you’ll receive a diagnostic report outlining your strengths and weaknesses.

      3. apply for a michigan insurance license

      Once you have passed the state licensing exam, you are ready to apply for an insurance license. As part of the application process, you must answer several background information questions. Responses are reviewed by Department of Insurance and Financial Services (DIFS) insurance licensing staff. In addition to reviewing the application, difs staff members conduct various background checks on each applicant.

      License applications are submitted through the NIPR Electronic Licensing System (www.nipr.com).

      it will be assigned an npn. This unique identifier is assigned through the license application process and is used to track individuals and business entities nationwide. many states use the npn to replace a producer’s license number.

      4. plan to complete required insurance continuing education (ce) credits

      All insurance producers must comply with the ce requirements of their home state. Stay on top of your CE and stay ahead of the competition with 365 days of unlimited course access when you sign up for a CE Library with Kaplan.

      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 ensure that this information is current and accurate; however, kaplan financial education is not in the business of rendering legal or professional advice and is not responsible for any inaccuracies contained in this document.

      See also: What Is a Life Insurance Agent and Do You Need One? | RamseySolutions.com