Michigan Insurance Licensing

The information provided by Agenzee is intended to be accurate and current regarding licensing and appointment requirements across states. While we make every effort to ensure precision through research and expertise, we recommend that readers independently verify details by contacting their state’s insurance department for precise regulations. Remaining informed is essential, and we are here to assist you on your path.

Appointments and Terminations in Michigan



Prior to the solicitation of business; Within 15 days of contract execution or first business submission.

$5 for resident and nonresident agencies and individuals.

$10 for the first year, $5 thereafter.


Agency Licensing in Michigan



Yes, must be affiliated with all producers selling on behalf of or through the business entity.

License is perpetual; renewal managed through affiliations.

Independent and Emergency Adjuster Licensing in Michigan


$15 for licensing, amendments, and reinstatement; $5 for renewal.

March 31st annually.

Emergency licenses expedited via the Electronic Licensing Application.

Continuing Education Requirements for Michigan Insurance Licensees

Here at Agenzee, we strive to provide accurate and up-to-date information on CE requirements for various states. While we take pride in our thorough research and expertise, we encourage our readers to conduct their own due diligence by consulting their state’s department of insurance for specific requirements. Remember, staying informed is key, and we’re here to support you on your journey to compliance!

Licensees must complete a total of 24 hours of continuing education every two years.

Renewal occurs biennially, every two years.

Continuing education is due before the license renewal date.

The license renewal date falls on the first day of the licensee's birth month

Renewal year is based on the year of birth.

CE is due on the first day of the licensee's birth month, biennially. Producer licenses are perpetual and remain in good standing as long as CE requirements are met.

Licensees whose first renewal date is within 12 months of their initial license do not require CE in the first renewal cycle. Limited and surplus lines licensees holding only specific lines are exempt from CE.

If the renewal date is missed, the license will be suspended for 90 days or until the 24-hour CE requirement is met. During this period, licensees may continue to serve existing clients but cannot solicit new business. After the 90-day period, licensees have the remainder of the year to fulfill CE requirements and apply for license reinstatement with a late fee. After 12 months, reapplication for a new license is necessary.

Three hours of ethics training are mandatory.

Licensees must complete 3 hours of NFIP course.

Initial certification requires an 8-hour course, followed by 4 hours of LTC-specific training every two years.

Licensees must complete a one-time, 4-hour course.

Frequently Asked Questions on Michigan Insurance Licensing

Start by completing the required pre-licensing education and passing the state examination. Then, apply through the NIPR Gateway.

Licensees need to complete 24 hours of continuing education every two years, including ethics and specific training depending on the license type.

You have 90 days to continue working while you meet your CE requirements. After 90 days, you can still reinstate your license within the year by completing CE and paying a late fee. After one year, you’ll need to reapply for a new license.



Anita Fox

(517) 284-8800

Department of Insurance and Financial Services, Michigan