Become a Michigan Life and Health Producer in The Great Lakes State
If you want to sell life insurance, health insurance, disability income insurance, accident coverage, annuities, and related products in Michigan, you will need the proper producer license before you can legally transact insurance business.
The common license path is the Michigan Life, Accident and Health Producer license. This license is regulated by the Michigan Department of Insurance and Financial Services, known as DIFS, and the licensing exam is administered by PSI.
Michigan also requires prelicensing education for major resident producer licenses. That means your first job is to complete the required course. Your second job is to prepare for the actual Michigan PSI exam.
For the required prelicensing course, we recommend Achievable.me. TESTivity does not provide Michigan’s required prelicensing education. Instead, TESTivity helps after that requirement is complete, with Michigan-specific L&H study tools designed to help you prepare for the PSI exam you will actually take.
GetTheLicense.org Recommends the TESTivity Platinum Study Package–Michigan L&H Insurance Edition
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This page focuses on the Michigan Life and Health licensing process. For the broader licensing overview, see Insurance Licensing in Michigan: Complete Guide to License Types and Requirements. For property and casualty licensing, see How to Get a Property and Casualty Insurance License in Michigan. For exam-prep strategy, see How to Pass the Michigan Insurance Licensing Exam.
Michigan Life and Health Insurance License Quick Facts
| Topic | Michigan L&H Requirement |
|---|---|
| License type | Life, Accident and Health Producer |
| State regulator | Michigan Department of Insurance and Financial Services, DIFS |
| Testing vendor | PSI |
| Required prelicensing education | 40 hours |
| Application method | NIPR electronic resident licensing application |
| Exam title | Life, Accident and Health Producer |
| Exam time limit | 2.5 hours |
| Number of exam items | 150 |
| Cut score | 75% |
| Exam fee | $41 |
| Resident producer application fee | $10 plus transaction fee |
| Application validity | 180 days from entry into the DIFS database |
| PE certificate validity | 12 months from course completion |
| Remote testing | Discontinued for new registrations effective June 10, 2025 |
| Continuing education | 24 CE hours every two years, including at least 3 ethics hours |
DIFS lists 40 hours of required prelicensing education for Michigan Life and Health candidates. The current Michigan PSI Candidate Information Bulletin lists the Life, Accident and Health Producer exam as 150 items, 2.5 hours, with a 75% cut score.
5 Steps to Get a Michigan Life and Health Insurance License
Step 1: Make Sure Life and Health Is the Right License for You
A Michigan life and health insurance license is designed for candidates who want to sell insurance products that help individuals, families, and businesses manage financial risk related to death, illness, injury, disability, medical expenses, and income protection.
Common products associated with a Life, Accident and Health license include:
- Term life insurance
- Whole life insurance
- Universal life insurance
- Variable life products, when properly qualified
- Annuities, subject to applicable training and product rules
- Health insurance
- Accident insurance
- Disability income insurance
- Group life and group health insurance
- Long-term care-related products, subject to applicable training requirements
- Medicare-related products, subject to federal and carrier requirements
If you plan to sell auto insurance, homeowners insurance, business property coverage, liability insurance, or commercial package policies, review How to Get a Property and Casualty Insurance License in Michigan instead.
If you are still deciding which line of authority fits your career path, start with Insurance Licensing in Michigan: Complete Guide to License Types and Requirements.
Step 2: Complete Michigan Life and Health Prelicensing Education
Michigan requires resident producer and solicitor candidates to complete prelicensing education before taking the licensing exam. For the combined Life and Health path, DIFS lists the requirement as 40 hours of coursework.
The current PSI Candidate Information Bulletin also states that certain Michigan exams require successful completion of prelicensing education before testing. If a candidate has not completed the required prelicensing program before taking the exam, the exam results may be invalidated.
Because TESTivity does not offer the required Michigan prelicensing course, we recommend Achievable.me for the official course requirement.
Think of the required prelicensing course as the runway. It gets you cleared for takeoff. But the PSI exam is the flight itself, with turbulence pockets named “policy provisions,” “health exclusions,” “annuity taxation,” and “Michigan law.”
That is where TESTivity comes in. Once your required course is complete, TESTivity’s Michigan L&H tools help reinforce the concepts, sharpen recall, and prepare you for the Michigan PSI exam format.
Why L&H Insurance Exam Prep Matters in Michigan
Michigan gives candidates flexibility by not requiring where they get their mandatory prelicensing hours. But flexibility can become a trap if it leads to scattered studying.
The Michigan insurance exam is a content-heavy multiple-choice exam. You are not just memorizing definitions. You need to recognize policy language, understand how coverages work, identify exclusions and conditions, and apply insurance law to exam-style scenarios.
That is why TESTivity uses a multi-tool study system instead of relying on one flat textbook.
The TESTivity Platinum Study Package includes:
Step 3: Apply for Your Michigan Life and Health License Through NIPR
Michigan resident producer applicants submit their license applications electronically through the National Insurance Producer Registry, commonly called NIPR.
DIFS instructs resident producer candidates to file an Electronic Resident Licensing application through NIPR. The Michigan resident producer application fee is $10, plus a transaction fee, and the application is valid for 180 days from entry into the DIFS database.
Michigan application timing matters
Your application, prelicensing course completion, and exam records should match. Use your legal name consistently across your prelicensing provider, NIPR application, and PSI exam registration.
Small mismatches can create licensing delays. They are tiny paperwork mosquitoes, but they bite at the worst possible time.
Step 4: Schedule the Michigan PSI Life and Health Exam
Michigan insurance licensing exams are administered by PSI. The current Michigan Candidate Information Bulletin states that DIFS has contracted with PSI to conduct the insurance examination program and that PSI provides exams through computer examination centers in Michigan and other locations throughout the United States.
The Michigan Life, Accident and Health Producer exam details are:
| Michigan L&H Exam Detail | Information |
|---|---|
| Exam title | Life, Accident and Health Producer |
| PSI exam series | 16-80 |
| Time limit | 2.5 hours |
| Number of items | 150 |
| Cut score | 75% |
| Exam fee | $41 |
The PSI bulletin lists the Michigan examination fee as $41 and states that examination fees are nonrefundable and nontransferable.
Michigan L&H exams are in person
Michigan has discontinued remote proctored insurance exams. DIFS says it instructed PSI to discontinue remote proctored insurance examinations for Michigan, and new registrations for remote exams are no longer accepted.
The PSI bulletin states that candidates should arrive 30 minutes before the scheduled exam time and bring valid, non-expired, signature-bearing photo identification.
Step 5: Prepare With Michigan-Specific Life and Health Exam Prep
After you complete your required prelicensing education, your next goal is not simply to reread the course. Your goal is to prepare for the Michigan PSI Life and Health exam.
That distinction matters.
Michigan’s Life, Accident and Health exam is not a generic national insurance trivia contest. You need to know national insurance concepts, but you also need Michigan rules, Michigan-specific producer responsibilities, Michigan exam cut scores, and PSI-style question wording.
Over the last 20+ years, TESTivity has learned that the testing provider matters. Prometric, Pearson VUE, and PSI exams can feel different on the screen. The question rhythm, answer traps, pacing, and wording patterns are not always identical.
The worst thing you can do is study with material that does not represent what you are actually going to see in the testing center.
TESTivity’s Michigan L&H study tools are built from the ground up with Michigan in mind. They are not generic national material wearing a Michigan hat and hoping nobody notices.
TESTivity helps Michigan L&H candidates prepare with:
- Michigan-specific Life and Health study manual review
- PSI-style Life and Health exam simulator questions
- Flashcards for policy terms, provisions, exclusions, riders, and definitions
- Audio review for repetition
- Expert video instruction
- Mind maps for complex product relationships
- Learning games for memory reinforcement
- AI tutor support for weak areas
- Final test-day cheat sheet
- Readiness scoring through simulated final exams
For the full exam-prep strategy, see How to Pass the Michigan Insurance Licensing Exam.
Michigan Life and Health Exam Details
The Michigan Life, Accident and Health Producer exam is a combined exam. It tests life insurance, accident and health insurance, annuity concepts, producer responsibilities, and Michigan insurance law.
What the Michigan L&H exam covers
A Michigan Life and Health candidate should be ready for topics such as:
General Insurance Concepts
This includes risk, hazards, insurable interest, contract law, representations, warranties, concealment, fraud, policy structure, producer authority, and basic insurance terminology.
Life Insurance Basics
This includes term life, whole life, universal life, variable life concepts, policy features, premiums, death benefits, beneficiaries, ownership, assignments, and common life insurance uses.
Life Policy Provisions, Options, and Riders
This includes grace periods, reinstatement, incontestability, misstatement of age or sex, policy loans, nonforfeiture options, settlement options, accelerated benefit riders, waiver of premium, accidental death, and other common riders.
Annuities
This includes fixed annuities, variable annuities, immediate annuities, deferred annuities, accumulation periods, annuitization, settlement options, taxation concepts, suitability concepts, and surrender charges.
Accident and Health Insurance Basics
This includes medical expense insurance, disability income insurance, accident coverage, policy renewability, benefit triggers, exclusions, limitations, coordination of benefits, and group health concepts.
Health Policy Provisions
This includes required and optional provisions, claims procedures, grace periods, reinstatement, notice of claim, proof of loss, time of payment of claims, legal actions, physical examinations, and change of beneficiary.
Federal Tax Considerations
This includes general tax treatment of life insurance proceeds, dividends, policy loans, annuities, qualified plans, health insurance premiums, disability income benefits, and employer-sponsored benefits.
Michigan Insurance Laws and Rules
Michigan law questions may test producer licensing, unfair trade practices, fiduciary duties, appointments, continuing education, marketing practices, replacement rules, consumer protections, and DIFS regulatory requirements.
The PSI bulletin advises candidates to review the current Michigan Insurance Examination Content Outline before testing because cut scores and content outlines are subject to change.
Michigan Life and Health Exam Fees
| Fee Type | Amount |
|---|---|
| Michigan PSI Life and Health exam fee | $41 |
| Michigan resident producer application fee | $10 |
| NIPR transaction fee | Additional transaction fee |
| Required prelicensing education | Varies by provider |
| Optional exam prep tools | Varies by package |
The PSI bulletin lists the Michigan exam fee as $41, nonrefundable and nontransferable. DIFS lists the resident producer application fee as $10 plus applicable transaction fee, and states the application is valid for 180 days.
If you do not pass within the application validity window, you may need to submit a new application and pay a new application fee.
Fingerprinting and Background Check Information for Michigan L&H Candidates
Michigan’s official resident producer licensing process emphasizes required prelicensing education, the NIPR application, and successful completion of the licensing examination. DIFS also directs applicants to review background-question guidance before applying.
At the time of this writing, the official DIFS resident producer process reviewed for this page does not list routine fingerprinting as a standard resident producer step.
However, background disclosures still matter. If you have a prior criminal history, administrative action, unpaid obligation, or other disclosure issue, answer application questions carefully and review DIFS guidance before submitting your application.
Michigan Life and Health License Application Process
Here is the simplified Michigan Life and Health license application sequence.
1. Complete your required Life and Health prelicensing education
Michigan requires 40 hours of prelicensing education for Life and Health candidates. Complete this requirement through Achievable.me or another approved Michigan provider.
2. Submit your resident producer application through NIPR
File the Electronic Resident Licensing application through NIPR. DIFS lists the resident producer application fee as $10 plus applicable transaction fee, and the application is valid for 180 days.
3. Schedule your PSI exam
Use PSI to schedule the Michigan Life, Accident and Health Producer exam. Michigan candidates should plan for an in-person PSI exam because remote proctored insurance exams have been discontinued.
4. Pass the Michigan Life and Health exam
The combined Michigan Life, Accident and Health Producer exam has 150 items, a 2.5-hour time limit, and a 75% cut score.
5. Watch for license approval
After you pass and all required data is matched to your application, DIFS reviews the application. Make sure your name, license type, course record, application, and exam registration are consistent across systems.
Michigan Life and Health License Renewal and Continuing Education
After you earn your Michigan Life and Health license, you must meet Michigan continuing education requirements to keep your license active.
Michigan resident producers must complete 24 hours of continuing education every two years, including at least 3 hours of ethics. DIFS also says up to 12 additional credit hours may carry over to the next CE review period after the minimum CE requirements are met.
Michigan’s license status definitions also explain that solicitors and most producers must earn 24 credits every 24 months with at least 3 ethics credits, and that failure to meet the requirement can place the license into Suspended for Education status. During that status, the producer may continue servicing existing business but may not produce new business.
That is the licensing version of having the storefront open but the cash register unplugged. Better to keep CE handled early.
Michigan-Specific L&H Licensing Quirks
Michigan has several details Life and Health candidates should keep in mind.
Michigan requires 40 hours of Life and Health prelicensing education
You must complete the required coursework before taking the exam. If you take the exam without completing the required prelicensing education, your exam results may be invalidated.
The combined Michigan L&H exam has a 75% cut score
Do not assume that every insurance exam uses a flat 70% passing score. Michigan’s combined Life, Accident and Health Producer exam uses a 75% cut score.
Remote testing is no longer available for new registrations
Michigan discontinued remote proctored insurance exams. Candidates should plan for an in-person PSI test center exam.
The PSI format matters
The Michigan L&H exam is delivered by PSI, and the style of the test matters. You want practice questions that feel like the Michigan PSI exam, not generic questions built for a different state, different outline, or different testing vendor.
Life and Health has a lot of “confusable” content
Life and Health candidates often struggle because the topics look familiar but test differently. Term vs. whole life, riders vs. policy options, Medicare vs. long-term care, disability income vs. medical expense, group vs. individual underwriting, tax-qualified vs. nonqualified plans: these are not hard because each concept is enormous. They are hard because the exam loves fine distinctions.
TESTivity’s Michigan L&H tools are designed to help students sort those look-alike concepts before test day.
You may also want to review these TESTivity learning tools:
- Insurance Exam Practice Questions / Exam Simulator
- Insurance Exam Study Guide / Study Manual
- Insurance Exam Flashcards
- Insurance Exam Audio Course
- Insurance Exam Video Course
- AI Insurance Exam Tutor
- Insurance Exam Cheat Sheet
- Insurance Exam Mind Maps
- Insurance Exam Learning Games
- TESTivity Platinum Study Package
TESTivity Michigan Life and Health Exam Prep
Michigan requires prelicensing education, but the required course is only the first part of the journey.
The real test is the PSI exam.
TESTivity’s Michigan L&H study tools are designed to help you move from “I completed the course” to “I am ready to sit for the exam.” That means repetition, realistic practice, weak-area review, and Michigan-specific reinforcement.
The TESTivity Michigan L&H approach includes:
Michigan-Specific Study Manual
Use the study manual to review core Life and Health topics in plain English, including life policies, provisions, riders, annuities, health insurance, disability income, group insurance, federal taxation, and Michigan law.
PSI-Style Exam Simulator
Practice with questions designed to reflect the way Michigan candidates are likely to encounter Life and Health concepts on a PSI exam. The simulator helps train timing, question recognition, and decision-making under pressure.
Flashcards
Use flashcards to drill definitions, provisions, exclusions, riders, tax rules, producer duties, and tricky vocabulary.
Audio Course
Listen while driving, walking, exercising, or doing chores. Life and Health content rewards repetition, and audio review helps keep the material humming in the background.
Video Instruction
Use video lessons to clarify concepts that do not stick through reading alone, especially annuities, policy provisions, health policy clauses, and taxation.
Mind Maps
See how products, provisions, riders, exclusions, and tax rules connect. Life and Health is full of branching relationships, and mind maps help turn the thicket into a trail.
Learning Games
Use crosswords, matching exercises, and other learning games to reinforce terms and concepts through active recall.
AI Tutor
Ask questions, review weak areas, and get explanations when a topic feels foggy.
Test Day Cheat Sheet
Use the cheat sheet for final review before exam day, especially for provisions, riders, tax rules, and state-law details that are easy to confuse under pressure.
Ready to Get Your Michigan L&H Insurance License? Start the TESTivity Platinum Study Package
93% pass rate · Video, Mind Maps, Audio, Textbook, Learning Games, Flashcards, Cheat Sheet, Exam Simulator & AI Tutor · Pass guarantee included
FAQ: Michigan Life and Health Insurance License
About This Michigan L&H Insurance License Exam Prep Guide
This guide was created by the TESTivity insurance exam prep team to help Michigan candidates understand the Life and Health licensing process and prepare for the Michigan PSI exam.
TESTivity has spent more than 20 years helping insurance licensing candidates study for content-heavy, multiple-choice certification exams. Requirements can change, so always confirm current rules with the Michigan Department of Insurance and Financial Services, PSI, and NIPR before applying, scheduling, or testing.
About the author
Matt Williams
Matt Williams has been teaching insurance pre-licensing curriculum for over 20 years and has helped thousands of people pass their exams on their first attempt. Matt holds Life & Health, Property & Casualty, and Adjuster insurance licenses along with the Series 7, 8, 24, 63, and 65 FINRA/NASAA designations, and the CLU, ChFC, and CFP® professional credentials. He is a certified trainer in adult education and the founder of TESTivity.
The TESTivity Platinum Study Package is built around exactly this map: video lessons weighted to the actual exam outline, mind maps that show how coverage types relate to each other, a full-length exam simulator that mirrors the Michigan PSI format, and a pass guarantee. Built by the people who teach the exam — used by the candidates who pass it!
Ready to Get Your Michigan Life and Health License?
Start by completing your required Michigan Life and Health prelicensing course through Achievable.me or another approved provider. Then use TESTivity’s Michigan-specific L&H study tools to prepare for the PSI exam.
Do not trust your Michigan Life and Health exam day to generic material that was not built for your state or your testing provider. TESTivity helps you study the right way, with exam simulator questions, flashcards, audio, video, mind maps, learning games, an AI tutor, and a final test-day cheat sheet built for Michigan candidates.
Explore the TESTivity Platinum Study Package and prepare for the Michigan Life and Health exam with confidence.
Put yourself on the fast track to your Michigan L&H insurance license with the TESTivity Platinum Study Package
93% pass rate · Video, Mind Maps, Audio, Textbook, Learning Games, Flashcards, Cheat Sheet, Exam Simulator & AI Tutor · Pass guarantee included
📋 Official Michigan L&H Insurance Licensing Resources
To ensure absolute accuracy when registering for your exam and filing your application, we recommend utilizing these official state materials alongside your TESTivity Platinum Study Package.
Instant PDF Downloads
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Michigan L&H Insurance Candidate Information Bulletin (PDF)
Direct mirror hosted by GetTheLicense.org -
Michigan Life Accident and Health Insurance Licensing Exam Content Outline (PDF)
Official exam breakdown and topic weighting
Official Portals & Live Verification
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Michigan Dept. of Insurance and Financial Services (DIFS)
For resident agent regulations and fee schedules -
PSI Michigan L&H Insurance Licensing Exam Page
To schedule your exam, find test centers, or check live updates