Licensing requirements
Michigan
Everything you need to get your insurance producer license in Michigan — exams are run by PSI.
Exam fee
$41
Application fee
$10
Fingerprints
See details
CE per renewal
24 hrs
Michigan requires a state-approved prelicensing course (20 hours).
Agent Cloud is not a state-approved prelicensing course, so it won't meet that requirement. To meet it, we recommend XCEL Solutions. Use partner code Life2025 to get it for $50. You don't have to buy Agent Cloud. Many students add it for extra practice, plain-English lessons and the simulated exam.
Step by step
Your path to a license
- 1
Complete the prelicensing course
- 2
Schedule the Michigan State Examination
- 3
Pass the State Exam
- 4
Apply for your License
Pre-licensing education
Life: 20 hours; Accident & Health: 20 hours; Life, Accident and Health: 40 hours; Casualty: 20 hours; Property: 20 hours; Property and Casualty: 40 hours; Personal lines - 20 hours
Product training
LTC initial 8 hours; LTC refresher 4 hours; Annuity initial 4 hours; Flood initial 3 hours.
Only needed if you sell those products.
Heads up
Things people miss in Michigan
#1 Final Exam Requirement
Online prelicensing courses must conclude with a passing final exam administered by a disinterested third-party proctor.
#2 Certificate Expiration
Prelicensing certificates of completion are only valid for 12 months.
#3 Retake Policy
There is a 24-hour waiting period between exam retakes, with no overall limit on attempts.
Official sites
Direct links
Requirements change, and portal sites may add their own transaction fees. Always confirm with the Michigan Department of Insurance and Financial Services before you apply.