Michigan Insurance License Requirements

As a state-certified life and health insurance education provider, our goal is to guide you through the pre-licensing process. In addition to completing your pre-licensing training, we have simplified the steps to attaining your Michigan insurance license.
Our Michigan Pre-Licensing Education Provider ID: 0972

How to get a Michigan Insurance License


Step 1

Complete an Michigan Pre-Licensing Insurance Course

To qualify for the Michigan insurance license exam, you must complete a pre-licensing insurance course that is certified by the Michigan Department of Insurance and Financial Services. Upon passing the pre-licensing course final exam, you will be awarded a Certificate of Course Completion.

Our Michigan pre-licensing insurance courses cover the various insurance concepts, definitions, insurance laws and agent regulations listed on the Michigan Life, Accident and Health Examination Content Outline, Life Examination Content Outline and Accident and Health Examination Content Outline repectively. Courses are presented in a clear and concise format and include instructional videos, interactive illustrations, practice exams, and student support.

National Online Insurance School is certified by the Michigan Department of Insurance and Financial Services to offer the following courses:

Pre-Licensing Course Course Credit Hours
Life, Accident & Health 40
Life 20
Accident & Health 20

Important
Your Certificate of Course Completion is valid for a period of 12 months from the date you pass your pre-licensing course final exam.


Step 2

Pass the Michigan Insurance License Exam

Upon successfully completing your pre-licensing insurance course, you must register with PSI Services to take your state insurance exam. Exam reservations can be made online at the PSI website by following the steps below and clicking the 'Register for the State Exam' button, or over the phone at (800) 733-9267.

  1. Click on the link that reads 'Government/State Licensing Agencies' on the left-side of the PSI website
  2. Choose Michigan from the 'Select Jurisdiction' drop down menu and wait for a second drop down menu to appear
  3. Choose MI Department of Insurance from the 'Select Account' drop down menu
  4. Click on your exam from within the 'Classification' box
  5. Click the button that reads 'Sign In or Create An Account' and follow the instructions provided

Note: You will be prompted for a 'Course Number' while completing your state exam registration. You can locate this number on your Certificate of Course Completion that you will receive upon passing your course final exam.

Expected cost

Insurance Exam Fee: $40.00

About the state exam

  • You are required to provide two current forms of identification at the testing center. The name on the identification must exactly match the name on the registration. The primary identification must be government-issued and photo-bearing with a signature, such as a driver license, passport, etc. The secondary identification must contain a valid signature and must not be expired, such as a Debit (ATM) or Credit card. You are not required to present your Certificate of Course Completion.
  • Exam times are typically available in the morning, afternoon and early evening on weekdays at various locations throughout the state
  • You should arrive 30 minutes before your scheduled appointment to allow time for check-in procedures. If you arrive late you will not be allowed to take your exam and will forfeit your exam fee.
  • Applicants with disabilities should make special arrangements prior to registering for the state exam by contacting the testing administrator at (800) 733-9267
  • Passing scores are as follows:
    • Life, Accident & Health: 73%
    • Life: 72%
    • Accident & Health: 75%
License Exam Exam Time Scored Questions Pre-Test Questions Total Questions
Life, Accident & Health 2 hrs 30 mins 150 10 160
Life 2 hrs 100 5 105
Accident & Health 2 hrs 100 5 105

Review our Insurance License Exam Tips to learn more about the state exam format and the types of questions asked on the exam, as well as additional test-taking tips to help you prepare for your exam day.


Step 3

Complete an Insurance License Application

You can apply for an insurance license through the Vertafore website. Click the button below and follow the steps to complete your application:

  1. Click 'Apply for a license' from the menu on the left
  2. Click the New Insurance License button within the 'New Insurance Licenses' section
  3. Choose 'Resident,' then choose 'Individual,' and click the Continue button
  4. Enter your email address
  5. Enter your information and choose the state you wish to apply for a license, then click continue
  6. Select 'Resident Agent' as your license type and continue
  7. Select the types of license(s) you wish to apply for and continue
  8. Enter all requested information and submit payment
  9. License qualifications

    • Must be at least 18 years of age
    • A resident of the state of Michigan
    • Pass the state insurance exam for the lines of authority for which you are applying
    • Must not have committed any act that is a ground for denial, suspension, or revocation of license. Click here for more details

    Expected cost

    Application Fee: $15.00

    Important
    You must submit all required paperwork within 180 days of applying for your insurance license or the application will be considered withdrawn by the Department of Insurance.

Additional Resources

Review the PSI Licensing Information Bulletin for additional details regarding the pre-licensing process.

Michigan Department of Insurance and Financial Services

  • 530 W. Allegan Street, 7th Floor
    Lansing, MI 48933
  • (877) 999-6442
  • Website

Exam Administrator

  • PSI Services
  • (800) 733-9267
  • Website

Insurance Application

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