If you plan to sell life or health insurance in Michigan, you must obtain a Michigan insurance producer license and complete approved pre-licensing education before sitting for the state licensing exam.
This guide explains what Michigan pre-licensing is, who needs it, how long the process takes, and what your next steps should be so you can move through licensing efficiently and avoid unnecessary delays.
What Is a Michigan Life & Health Insurance License?
A Michigan Life & Health insurance license authorizes an agent to sell life insurance, accident and health insurance, annuities, and related products in the state of Michigan.
This license is commonly referred to as the Michigan Life and Health license and is required for individuals working with insurers, agencies, or brokerages offering these products.
Michigan Pre-Licensing Course Requirements
Michigan requires approved pre-licensing education before you can sit for the state licensing exam for Life and Health insurance.
Applicants must complete the required education hours through a Michigan-approved pre-licensing provider.
The pre-licensing course is designed to prepare applicants for the Michigan insurance exam and ensure understanding of insurance concepts, policy provisions, and Michigan insurance laws.
Completing a structured pre-licensing course helps improve exam readiness and reduce the likelihood of retakes.
What the Michigan Pre-Licensing Course Covers
A Michigan Life & Health pre-licensing course typically covers general insurance principles, life insurance concepts, health insurance products, policy provisions and riders, annuities, Michigan insurance laws and regulations, ethics, consumer protection, and exam-style practice questions.
While the state defines the required outline, the quality of instruction and exam preparation varies by provider.
How Long Does It Take to Complete Michigan Pre-Licensing?
Most students complete Michigan pre-licensing education within two to four weeks when studying consistently. Completion time depends on whether you study full time or part time.
After completing the course, students can schedule the state exam and proceed through the remaining licensing steps without unnecessary delays.
Michigan Licensing Timeline
The licensing process generally follows these steps:
- Enroll in a Michigan-approved Life & Health pre-licensing course
- Complete all required coursework and education hours
- Receive course completion confirmation
- Schedule and pass the Michigan state licensing exam
- Submit fingerprints and required background information
- Submit the license application
- Receive state approval before selling insurance
Following the correct order of steps helps prevent delays caused by incomplete applications or missing documentation.
What Happens After You Complete the Course?
Completing a Michigan pre-licensing course does not automatically grant a license. It qualifies you to take the state exam and proceed with the remaining licensing steps.
After passing the exam, applicants must complete fingerprinting, submit an application, and receive approval from the Michigan Department of Insurance and Financial Services before selling insurance.
Choosing the Right Michigan Pre-Licensing Course
Although all approved courses meet Michigan requirements, the learning experience can differ by provider.
When comparing Michigan pre-licensing options, look for state approval, exam-focused instruction, realistic practice questions, structured learning progression, and clear guidance on Michigan licensing steps.
A well-designed course helps shorten study time, reduce anxiety, and improve confidence on exam day.
Next Steps
If your goal is to obtain a Michigan Life & Health insurance license efficiently, your next step is enrolling in an approved Michigan pre-licensing course that prepares you for both the exam and the licensing process.
A structured course provides a clear path from enrollment to exam eligibility and helps ensure you meet Michigan requirements from the start.
