Michigan Insurance Licensing Guide

Michigan Insurance Licensing Requirements

Standard Requirements

All applicants for a Michigan insurance license must meet Michigan’s eligibility standards. Some eligibility requirements are standard across all states. The full list is available in our U.S. Licensing Guide.

 

 

Michigan Specific Licensing Process

In addition to the common licensing requirements, most new applicants must also complete the following steps. Exemptions may apply based on prior licensure, active license status, or qualifying professional designations:

 

 

Where Do You Get an Insurance License in Michigan?

In Michigan, insurance licenses are regulated by the Michigan Department of Insurance and Financial Services (DIFS).

 

 

Did You Know?

What are the Michigan Insurance License Types and Lines of Authority?

The following table lists the common license types and lines of authority for Michigan.

Application Type	License Type	Lines of Authority
Individual	Producer	Accident and Health, Life, Property, Casualty, Variable Annuities, Personal Lines, Limited Life, Limited Lines Property and Casualty, Credit, Crop, Surety, Title, Travel, Bail Bondsman, Managing General Agent
Individual	Adjuster	Public Adjuster, Independent Adjuster, Designated Home State Adjuster, Emergency/Catastrophe Adjuster
Business Entity	Agency or Firm	Insurance Agency, Managing General Agency, Surplus Lines Agency, Adjusting Firm

 

 

What are Michigan’s Insurance Licensing Fees?

Non-refundable licensing fees apply throughout the licensing process for licenses, exams, fingerprinting, and other services as follows.

Fee Category	Fee	Applies To	Notes
Producer License Fee	$10.00	Individual and business entity resident and non-resident initial licenses	Resident producer licenses are perpetual if the license holder remains CE compliant. NIPR transaction fees may also apply.
Amendment Fee	$10.00	Additional lines of authority	Includes one or more additional LOAs. NIPR transaction fees may also apply.
Adjuster License Fee	$15.00	Individual and business entity public insurance adjuster licenses	NIPR transaction fees may also apply.
Adjuster License Renewal Fee	$5.00	Independent and public adjusters renewing licenses	Adjuster licenses renew annually by March 31. NIPR transaction fees may also apply.
State Exam Fee	$41.00	Licenses that require an exam	VA eligible veterans may request reimbursement for exam costs.
Standard Appointment	$5.00	Resident and non-resident appointments	Cancel unnecessary appointments before December 31. Invoice payments are due by January 31. NIPR transaction fees may also apply.

 

 

Michigan Pre-Licensing and Continuing Education Requirements

The pre-licensing, exam, and CE requirements depend on the type of license and lines of authority. Candidates can schedule pre-licensing education and initial licensing exams through PSI. Michigan requires 20 hours of pre-licensing education per line of authority through an approved pre-licensing vendor.

Michigan CE requirements are available on the Michigan DIFS website. CE requirements typically include 24 hours of CE, including 3 hours of ethics, every 2 years for Accident & Health, Life, Property, Casualty, Personal Lines, and Variable Annuities. Adjuster do not need to complete CE. Choose a CE provider from the provider and course lookup.

 

 

Common Michigan Licensing Compliance Mistakes

Michigan’s licensing process creates several compliance risks for individual licensees and organizations managing multiple producers.