Contact

877-999-6442

Mail

DIFS-Licensing@michigan.gov

Address

Department of Insurance and Financial Services (DIFS) 530 W. Allegan St, 7th Floor Lansing, MI 48933-1521 United States

last updated 25 Jul 2025

Michigan Licensing and Renewal Guide for Property and Casualty Insurance

What this guide will teach you:

How to apply for and renew a Michigan producer property and casualty insurance license.
Fees for obtaining and maintaining insurance licenses.
How to meet continuing education (CE) requirements and deadlines.
How to access resources and contact information to simplify the process.

What Are Rules and Requirements for Michigan Property and Casualty Insurance Licenses?

What is the minimum age to apply for a new license?

Applicants must be at least eighteen (18) years old.

Do I need to provide any specific identification to apply?

Yes, you must have either a SSN (Social Security Number) or a FEIN (Federal Employer Identification Number).

Is proof of residency required?

Yes, you are required to provide proof of residency within the state of Michigan.

Are there any exams I need to pass to get my license?

Yes, you must complete the pre-licensing education and pass the state-approved licensing exam.

Do I need to complete fingerprinting as part of the application process?

No, fingerprinting is not required.

Are there character requirements to qualify for a license?

Yes, you must pass a background check.

How to Apply for a New License or Renew a License in Michigan

Applying for a New Producer License

Renewing a License

Renewing an Insurance License in Michigan

Complete and verify continuing education (CE)ⁱⁱ hours.
Submit an electronic application and pay licensing fees through the Department of Insurance and Financial Services (DIFS) Licensing Express Renewal.

Renewal Period: Licenses are perpetual but require renewal every 2 years before the first day of the licensee’s birth month.

Late Renewals: Failing to meet CE requirements results in a license suspension for 90 days or until the requirement is met. After 90 days, license qualifications are terminated. A license can be reinstated for up to one year.

Non-Resident Producer Licensing

Business Entity Applications

Michigan Producer Licensing Fees

Licensing fees apply for Michigan appointments, exams, and other services as follows.

Fees	Price
Resident/Non-Resident New License Fee/ Renewal Fee	$10
Amendment Fee	$10 (Includes 1 or more LOAs)
Surplus Lines	$110
Reinstatement Fee	$10
Michigan License Exam	$41 License Exam

Disclaimer: Fees and requirements may change at any time without prior notice. For the most accurate and up-to-date details, we recommend verifying fees through the State of Michigan website directly.

Continuing Education (CE) Insurance Licensing Requirements in Michigan

CE requirements include 24 hours biennially including:

3 hours in ethics
21 hours in P&C lines in any study format (self-study, classroom, etc.)

Exemptions: Severe hardship exemptions exist for licensees whose license lapses during terminal illness or active military service.

More information about Michigan CE requirements is available at the DIFS website.

FAQs

When do I need to renew my Michigan producer license?

Licenses are perpetual, but require completion of CE every two years, before your license renewal date.

What if I miss the Michigan producer license renewal deadline?

If a licensee fails to complete CE requirements, the license will be suspended for 90 days or until the requirement is met. After 90 days, license qualifications are terminated, and the license will have to be reinstated. A license can be reinstated for up to one year. After one year, the licensee must apply as a new applicant.

How can I track my Michigan producer CE credits?

Use the NIPR Continuing Education Requirements page to verify your CE credits.

Where can I check my Michigan insurance license application status?

Contact the Department of Insurance and Financial Services by phone or email.

Sources

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