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 18 Feb 2026

Michigan Licensing and Renewal Guide

What this guide will teach you:

How to apply for and renew a Michigan producer property/casualty/health/financial 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.

Rules and Requirements for Michigan Property and Casualty/Health/Financial 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 and Renew a Producer License in Michigan

Applying for a New Producer License in Michigan

Renewing a License in Michigan

Resident individual producer licenses are perpetual if the licensee remains CE compliant. Surplus lines renew annually between February 1st and March 31st.
1. Complete and verify continuing education (CE) hours.

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 in Michigan

Michigan issues non-resident licenses in the same lines of authority as your home state. Be sure to review the Continuing Education (CE) reciprocity arrangements between Michigan and your home state to ensure compliance.

Apply for a license through NIPR by choosing a Non-Resident License (NRL) Application and submit supporting documentation.

How to transfer a resident license from another state to Michigan:

Cancel or convert your previous home state license to a non-resident license.
Apply for a resident license electronically via the NIPR.

Note: Licensees can transfer a license from another state within 90 days of relocating after canceling the previous license. After this period, the applicant is no longer exempt from license exams.

Michigan Business Entity Insurance License Applications

Include one Designated Responsible Licensed Producer (DRLP) with an active resident or non-resident license and a major line of authority.

Submit an electronic application online at the National Insurance Producer Registry.
Pay the state license fee of $10 and any additional fees.

Note: Resident business entity licenses are perpetual and do not require renewal. Only Surplus Lines (SL) require annual renewal.

Michigan Producer Licensing Fees

Licensing fees for initial licenses, renewals, exams, and other services are as follows.

Fees	Price
Resident/Non-Resident New License Fee	$10.00
Amendment Fee	$10.00 (Includes 1 or more LOAs)
Surplus Lines New License Fee	$110.00
Surplus Lines Renewal Fee	$100.00
Reinstatement Fee	$10.00
Michigan License Exam	$41.00 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 Michigan Department of Insurance and Financial Services website directly.

Continuing Education (CE)

CE requirements include 24 hours biennially:

24 hours of CE (including 3 hours of ethics) every 2 years for Accident & Health, Life, Property, Casualty, Personal Lines, and Variable Annuities.

More information about Michigan CE requirements is available at: Continuing Education – Official Website of the DIFS.

Exemptions: Limited Life, Turkey, Crop & Hail, Travel, Accident & Baggage, Title, Credit Products, and Limited Lines Property & Casualty are exempt from CE. Severe hardship exemptions exist for licensees whose license lapses during terminal illness or active military service.

FAQs

When do I need to renew my Michigan insurance license?

Licenses are perpetual but require completion of CE every two years. You can find your CE renewal date printed in the lower left-hand corner of your license.

What if I miss the Michigan insurance 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

Disclaimer: This post is for informational purposes only and does not constitute legal or compliance advice. Agenzee does not warrant the accuracy of and assumes no liability for reliance. Please consult regulators or professional advisors as needed. See our full disclaimer for details.

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What Our Customers Say

Find out why our customers are happy they chose Agenzee.

Teddy T.

One of the standout features for us is the direct integration with NIPR, which has turned the once-tedious process of handling bulk renewals into a breeze, allowing us to conserve time for driving sales and supporting our clients.

Tasha D.

We've been using Agenzee at PolicyWatch, and it's been a game changer. It's streamlined our license management processes, saving us time and reducing the risk of non-compliance. Agenzee is an essential tool that has significantly improved our operational efficiency and peace of mind.

Zachary G.

Agenzee has helped our agency keep everything organized and in one place. The integration with NIPR is an extremely valuable tool that is hugely helpful when it comes to license expirations and renewals. The ability to request renewals in bulk all within the Agenzee system is a huge time saver!

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Agenzee has had a significant impact on our daily operations by saving us a tremendous amount of time. Instead of dedicating hours to manually maintaining a complex Excel spreadsheet, we now have an efficient system. This has allowed us to focus more on core business activities rather than administrative tasks.

Deborah N.

There is so much Agenzee offers that makes our jobs with licensing and appointments so much easier!

Taylor F.

With Agenzee, being a one-stop shop for licenses, appointments, and now CE's, this has given our producers more independence to monitor their own progress without feeling like they have to look in multiple places.

Jesse H.

We like the clean, modern look of the system, as well as the dashboard, ability to give admins access to only certain areas, onboarding, packages and the resource library.

Contact

Mail

Address

Michigan Licensing and Renewal Guide

What this guide will teach you:

Rules and Requirements for Michigan Property and Casualty/Health/Financial Insurance Licenses

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

Do I need to provide any specific identification to apply?

Is proof of residency required?

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

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

Are there character requirements to qualify for a license?

How to Apply for and Renew a Producer License in Michigan

Applying for a New Producer License in Michigan

Applying for a New Producer License in Michigan

Renewing a License in Michigan

Renewing a License in Michigan

Non-Resident Producer Licensing in Michigan

Non-Resident Producer Licensing in Michigan

Michigan Business Entity Insurance License Applications

Michigan Business Entity Insurance License Applications

Michigan Producer Licensing Fees

Continuing Education (CE)

FAQs

When do I need to renew my Michigan insurance license?

What if I miss the Michigan insurance license renewal deadline?

How can I track my Michigan producer CE credits?

Where can I check my Michigan insurance license application status?

Sources

Disclaimer

Contents

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Customers Opinions on Our Services and Products

What Our Customers Say

Teddy T.

Tasha D.

Zachary G.

Kristina B.

Deborah N.

Taylor F.

Jesse H.

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