If you want to become an insurance producer in Michigan, your licensing path runs through the Michigan Department of Insurance and Financial Services, commonly called DIFS. DIFS regulates insurance licensing in Michigan, while PSI administers the state insurance licensing exams.

Michigan is also a prelicensing education state, which means most resident producer candidates must complete required coursework before taking the licensing exam. That makes your study plan a two-part mission: first, complete the required course; second, prepare for the PSI exam with material that actually reflects the Michigan test.

For the required Michigan prelicensing course, we recommend Achievable.me. Once you complete the required course, TESTivity helps you prepare for the exam itself with Michigan-specific study tools, including an exam simulator, flashcards, audio review, video instruction, mind maps, learning games, an AI tutor, and a final test-day cheat sheet.

This guide explains the broad Michigan insurance license process. For more specific licensing paths, see How to Get a Property and Casualty Insurance License in Michigan, How to Get a Life and Health Insurance License in Michigan, and How to Pass the Michigan Insurance Licensing Exam.

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Michigan Insurance License Quick Facts

Topic	Michigan Requirement
State regulator	Michigan Department of Insurance and Financial Services, DIFS
Testing vendor	PSI
Application method	NIPR electronic resident licensing application
Minimum age	18
Prelicensing education	Required for most resident producer and solicitor candidates
Michigan P&C prelicensing	40 hours
Michigan Life and Health prelicensing	40 hours
Exam fee	$41
Resident producer application fee	$10 plus $5 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 states that a Michigan insurance producer must be at least 18 years old, complete required prelicensing and continuing education, pass required exams, and avoid conduct that may lead to license denial or revocation.

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Step 1: Choose the Type of Michigan Insurance License You Need

Before you begin the licensing process, decide what kind of insurance you want to sell. Michigan offers several insurance license types, and your required education and exam depend on the line of authority you choose.

The most common resident producer paths include:

Life Insurance

A Michigan life insurance license allows you to sell products such as term life insurance, whole life insurance, universal life insurance, and related life insurance products.

Accident and Health Insurance

A Michigan accident and health license allows you to sell health insurance, disability income insurance, accident coverage, and related health products.

Life, Accident and Health

Many candidates choose the combined Life, Accident and Health path because it allows them to sell both life insurance and health-related products. Michigan requires 40 hours of prelicensing education for Life and Health.

Property and Casualty

A Michigan property and casualty license allows you to sell products such as homeowners insurance, auto insurance, business property coverage, general liability, and other P&C products. Michigan requires 40 hours of prelicensing education for Property and Casualty.

Personal Lines

A Michigan personal lines license focuses on personal insurance products, such as personal auto and homeowners coverage. Michigan requires 20 hours of Property and Casualty coursework for Personal Lines candidates.

Other License Types

Michigan also offers other license categories, including adjuster, surplus lines, counselor, title insurance, credit insurance, and limited lines licenses. Some of these may not require the same prelicensing education as major producer licenses, so candidates should always verify requirements with DIFS before applying.

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Step 2: Complete Michigan Prelicensing Education

Michigan requires resident insurance producer and solicitor candidates to complete prelicensing education before taking the licensing exam. DIFS lists the following prelicensing requirements for resident producers and solicitors:

License Type	Michigan Prelicensing Requirement
Life / Limited Life	20 hours
Accident & Health	20 hours
Life and Health	40 hours
Property and Casualty	40 hours
Property only	20 hours
Casualty only	20 hours
Personal Lines	20 hours of Property and Casualty coursework
Property, Casualty, and Personal Lines	40 hours of Property and Casualty coursework

DIFS allows Michigan prelicensing coursework to be completed in either a classroom setting or as a self-study course.

Because TESTivity does not provide the required Michigan prelicensing course, candidates should complete that requirement through an approved provider. We recommend Achievable.me for the required course portion of your licensing journey.

Once your required course is complete, your preparation should shift from “finishing the course” to “passing the Michigan PSI exam.” That is where TESTivity fits. The required course makes you eligible. TESTivity helps you become exam-ready.

Step 3: Apply for Your Michigan Insurance License Through NIPR

Michigan resident producer candidates apply electronically through the National Insurance Producer Registry, or NIPR.

DIFS instructs resident producer applicants to file an Electronic Resident Licensing application through NIPR. The resident producer license application fee is $10, plus a $5 transaction fee, and the application is valid for 180 days from entry into the DIFS database.

DIFS also recommends that candidates review background-question guidance before submitting a Michigan insurance license application. This is important because your answers to background questions may affect how your application is reviewed.

Michigan application timing matters

Your application, prelicensing education, and exam results must line up properly. DIFS states that your prelicensing provider sends course completion information electronically to the state. That information populates your application record and is matched to your exam score.

In plain English: keep your name, personal information, and license type consistent across your prelicensing provider, NIPR application, and PSI exam registration. Tiny mismatches can become paperwork goblins.

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Step 4: Schedule and Pass the Michigan PSI Insurance Exam

Michigan insurance licensing exams are administered by PSI. DIFS links candidates to PSI for exam scheduling, and the PSI Candidate Information Bulletin provides the testing rules, exam fee, registration process, test center information, identification requirements, and exam structure.

The current Michigan PSI Candidate Information Bulletin is effective June 10, 2025. It states that the Michigan Department of Insurance and Financial Services has contracted with PSI to conduct the examination program and that exams are offered through PSI computer examination centers.

Michigan no longer offers new remote exam registrations

DIFS has discontinued remote proctored insurance exams. Effective June 10, 2025, new registrations for remote insurance examinations are no longer accepted, and exams must be taken in person at authorized PSI testing centers.

The PSI bulletin says candidates should arrive 30 minutes before the scheduled exam time and bring valid, non-expired, signature-bearing identification with a photo.

Common Michigan producer exam details

Michigan Exam	Time Limit	Questions	Cut Score
Life Producer	2 hours	100	72%
Accident and Health Producer	2 hours	100	76%
Life, Accident and Health Producer	2.5 hours	150	75%
Property Producer/Solicitor	2 hours	100	75%
Casualty Producer/Solicitor	2 hours	100	74%
Property and Casualty Producer/Solicitor	2.5 hours	150	74%
Personal Lines Producer	2 hours	100	75%

The PSI bulletin lists the Michigan exam fee as $41 and states that examination fees are nonrefundable and nontransferable.

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Step 5: Use Michigan-Specific Exam Prep Before Test Day

Completing Michigan prelicensing education is required. But completing a course is not the same thing as being ready to pass the PSI exam.

That distinction matters.

The Michigan exam is not just a generic national insurance quiz. It is a Michigan licensing exam administered by PSI, with Michigan law, Michigan cut scores, PSI-style screen delivery, and exam-specific wording patterns. Over the last 20+ years, TESTivity has seen how exam style and question rhythm can vary across testing vendors. Prometric exams do not feel exactly like Pearson VUE exams. Pearson VUE exams do not feel exactly like PSI exams. The worst thing you can do is study with material that does not resemble what you will actually see on the screen on exam day.

TESTivity’s Michigan study tools and packages are built from the ground up with Michigan in mind. They are not the same old generic material with “Michigan” slapped on the cover like a license-plate sticker.

TESTivity helps Michigan candidates reinforce the material after prelicensing through:

• Michigan-specific study manual review
• PSI-style exam simulator questions
• Flashcards for vocabulary and memory work
• Audio course reinforcement
• Expert video instruction
• Mind maps for complex topics
• Learning games for repetition
• AI tutor support
• Test Day Cheat Sheet
• Final readiness practice

For a detailed exam-prep plan, see How to Pass the Michigan Insurance Licensing Exam.

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Michigan Insurance License Fees

Michigan licensing costs vary depending on the license type, provider, and how many exam attempts you need. For a resident producer candidate, the core fees include:

Item	Approximate Cost
Michigan resident producer application	$10
NIPR transaction fee	$5
Michigan PSI exam fee	$41
Required prelicensing education	Varies by provider
Exam prep tools	Varies by package

DIFS lists the resident producer application fee as $10 plus a $5 transaction fee. The PSI bulletin lists the exam fee as $41.

Remember: if you do not pass within the required application window, you may need to submit a new application and pay a new application fee. DIFS states that if an examination is not passed within 180 days, the applicant must submit a new NIPR application and fee and reschedule the examination.

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Fingerprinting and Background Check Information

Michigan’s official resident producer process emphasizes the NIPR application, prelicensing education, and the licensing exam. DIFS also strongly recommends that applicants review background-question guidance before submitting an application.

For this reason, candidates should be careful, accurate, and complete when answering background questions on the application. If you have a prior administrative action, criminal history, unpaid obligations, or another disclosure issue, review DIFS guidance before applying.

At the time of this writing, the official DIFS resident producer checklist reviewed for this page does not list routine fingerprinting as a standard resident producer step. Always verify your individual situation with DIFS if you have a background concern or special licensing circumstance.

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Michigan Insurance License Application Process

Here is the clean version of the Michigan resident producer process:

1. Decide which license you need

Choose the license type that matches what you plan to sell: Life, Accident and Health, Property and Casualty, Personal Lines, or another line.

2. Complete required prelicensing education

Michigan requires prelicensing education for resident producer and solicitor candidates. For the major combined licenses, Life and Health requires 40 hours, and Property and Casualty requires 40 hours.

3. Apply through NIPR

Submit your Electronic Resident Licensing application through NIPR. The application fee is $10 plus a $5 transaction fee, and the application is valid for 180 days.

4. Schedule your PSI exam

Use PSI to schedule your Michigan insurance licensing exam. DIFS links to PSI’s Michigan scheduling portal and lists phone scheduling at 855-579-4639.

5. Study for the Michigan PSI exam

Use your prelicensing course to satisfy the official education requirement. Then use TESTivity’s Michigan-specific tools to prepare for the actual exam experience.

6. Pass the exam

Your score will be displayed on screen at the end of the exam, and a score report will be emailed to you. If you fail, the PSI bulletin says the emailed score report will include a diagnostic report showing strengths and weaknesses by examination type.

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Michigan Insurance License Renewal and Continuing Education

Michigan producers must complete continuing education to keep their license active.

Michigan’s ethics CE guidance states that resident producers must complete 24 hours of continuing education every two years, including at least 3 hours in ethics.

DIFS warns that if a licensee does not complete the required 24 credit hours by the CE review date, the license may be suspended for education. During that suspension period, the producer may service existing business but may not transact new insurance business.

That is the licensing equivalent of being benched during the fourth quarter. You are still in uniform, but you do not get to run new plays.

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Michigan-Specific Licensing Quirks

Michigan has several details that candidates should understand before they begin.

Michigan requires prelicensing education for major producer licenses

Resident producer and solicitor candidates must complete PE coursework before taking the exam. Life and Health requires 40 hours, and Property and Casualty requires 40 hours.

Your PE certificate has a 12-month clock

DIFS states that candidates must take the initial examination within 12 months of completing the PE course. If a passing score is not achieved by the end of that window, the candidate must complete PE coursework again and earn a new certificate.

Michigan exams are now in-person through PSI

Remote testing has been discontinued for new Michigan insurance exam registrations. Effective June 10, 2025, new registrations for remote insurance examinations are no longer accepted.

Michigan cut scores vary by exam

Do not assume every Michigan insurance exam uses a 70% passing score. For example, the Michigan Property and Casualty Producer/Solicitor combined exam has a 74% cut score, and the Life, Accident and Health Producer combined exam has a 75% cut score.

The PSI testing experience matters

Michigan uses PSI, and PSI exams have their own testing feel. The wording, pacing, screen layout, and question style can feel different from practice material built for another testing vendor. TESTivity’s Michigan-specific exam simulator is designed to help students prepare for the Michigan PSI exam experience, not a generic national exam floating in the clouds.

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You may also want to review these TESTivity study 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

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TESTivity Michigan Insurance Exam Prep

Michigan requires prelicensing education, and that requirement matters. But the licensing course is only the first gate. The second gate is the PSI exam.

That is where TESTivity comes in.

TESTivity study tools are state-specific and built with Michigan in mind. Our Michigan exam simulator is designed to mimic the kind of question style and exam rhythm students are likely to encounter through PSI. That matters because licensing exams are not written in a single national voice. Prometric, Pearson VUE, and PSI exams each have their own flavor, structure, and recurring patterns.

If you study with generic material, you may know the concepts but still feel ambushed by the way the question is asked. TESTivity helps close that gap.

For Michigan candidates, the strongest path is:

1. Complete your required Michigan prelicensing course through Achievable.me or another approved provider.
2. Use TESTivity’s Michigan-specific study tools to reinforce the material.
3. Take timed practice exams in the TESTivity exam simulator.
4. Review weak areas with flashcards, audio, video, mind maps, and the AI tutor.
5. Walk into the PSI testing center ready for the exam you are actually going to see.

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FAQ: Michigan Insurance License

About This Michigan Insurance License Guide

This guide was created by the TESTivity insurance exam prep team to help Michigan candidates understand the licensing process and prepare for the state insurance exam. TESTivity has spent more than 20 years helping insurance licensing candidates study for content-heavy, multiple-choice certification exams.

Licensing requirements can change. Always confirm current rules with the Michigan Department of Insurance and Financial Services, PSI, and NIPR before applying, scheduling, or testing.