Michigan Producer Licensing Requirements

Michigan has specific requirements for obtaining a Life, Accident & Health insurance producer license. Understanding these requirements is essential for the licensing exam.

Pre-License Education Requirements

Current Requirements

Key Points:

• Pre-license courses must be completed at DIFS-approved schools
• Course completion certificate is valid for 12 months
• Online and classroom options available
• Must cover both general insurance concepts and Michigan-specific law

Course Content Requirements

Pre-license education must include:

• General insurance principles
• Life insurance products and concepts
• Health insurance products and concepts
• Michigan Insurance Code provisions
• Ethics and producer responsibilities

Examination Requirements

Michigan insurance licensing exams are administered by PSI or Prometric:

Exam Tip: Michigan requires a 70% passing score, which is standard across most states.

Examination Process

1. Complete pre-license education at approved school
2. Schedule exam with PSI or Prometric online
3. Exam options: Physical testing center
4. Bring valid ID with photo (driver's license, passport, military ID)
5. Receive results immediately after exam

Background Check Requirements

Michigan requires fingerprint-based background checks for all insurance license applicants:

Background Check Process

• Timing: Must be completed before license issuance
• Method: Electronic fingerprinting at approved vendor
• Cost: Approximately $50-65
• Results: Submitted electronically to DIFS and FBI

Disqualifying Factors

DIFS considers criminal history when evaluating license applications:

• Crimes involving fraud, dishonesty, or breach of trust
• Felonies substantially related to insurance activities
• Recent convictions (time elapsed matters)
• Pattern of criminal behavior
• Misrepresentation on the application

Note: A criminal record does not automatically disqualify an applicant. DIFS considers the nature of the offense, time elapsed, and evidence of rehabilitation.

License Application

After passing the exam:

1. Submit application through DIFS online system
2. Pay license fee (approximately $40 for initial license)
3. Complete background check if not already done
4. Receive license after DIFS review

License Types and Authority

Resident vs. Non-Resident

• Resident License: Primary license for Michigan residents
• Non-Resident License: For producers licensed in another state
• Reciprocity: Michigan has reciprocal agreements with other states