Key Takeaways
- Michigan requires 40 hours of pre-license education for Property & Casualty insurance
- The Michigan P&C exam requires 70% to pass and is administered by Prometric
- All applicants must complete a background check and fingerprinting
- Michigan issues separate licenses for Property and Casualty, or a combined P&C license
- Initial license fee is $10; licenses are valid for 2 years (expires on birthday)
Last updated: January 2026
Michigan P&C Producer Licensing Requirements
Michigan has specific requirements for obtaining a Property & Casualty insurance producer license.
Pre-License Education Requirements
40 Hours Required
Michigan requires pre-license education before taking the exam:
| Requirement | Details |
|---|---|
| Total Hours | 40 hours |
| Course Type | DIFS-approved classroom or online |
| Validity | 12 months from completion |
| Verification | Certificate required to schedule exam |
Course Content Areas
Pre-license courses must cover:
- Property insurance principles
- Casualty insurance principles
- Michigan Insurance Code
- Ethics and producer responsibilities
Note: You must complete 40 hours of pre-license education before you can schedule the state exam.
Examination Requirements
The Michigan Property & Casualty examination:
| Exam Detail | Requirement |
|---|---|
| Testing Provider | Prometric |
| Passing Score | 70% |
| Exam Types | Property only, Casualty only, or combined P&C |
| Retake Policy | May retake immediately, pay new fee |
| Time Limit | Varies by exam type |
License Types
| License Type | What You Can Sell |
|---|---|
| Property | Property insurance only |
| Casualty | Casualty/liability insurance only |
| Property & Casualty | Both property and casualty products |
| Personal Lines | Personal auto and homeowners |
Exam Tip: Michigan requires 70% to pass the P&C exam and 40 hours of pre-license education.
Examination Process
- Complete 40 hours of DIFS-approved pre-license education
- Receive certificate from education provider
- Schedule exam with Prometric online or call (800) 741-0685
- Bring valid ID with photo (driver's license, passport, military ID)
- Receive results immediately after exam
Background Check Requirements
Michigan requires a background check for all insurance license applicants:
Requirements
- Criminal background check required
- Fingerprinting may be required
- Disclosure of any criminal history on application
- DIFS review of background before issuing license
Disqualifying Factors
DIFS considers criminal history when evaluating applications:
- Felony convictions (especially fraud-related)
- Misdemeanors involving dishonesty or breach of trust
- Administrative actions in other states
- Prior license revocations
License Application
After passing the exam:
| Item | Details |
|---|---|
| Application | Submit online through NIPR or DIFS |
| License Fee | $10 initial fee |
| Processing Time | 2-4 weeks |
| License Term | 2 years (expires on birthday) |
Resident vs. Non-Resident
- Resident: Must be a Michigan resident
- Non-Resident: Must hold active home state license
- Reciprocity: Michigan has agreements with most states
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