How to become an insurance agent in Michigan
Michigan insurance agents are licensed by the Michigan Department of Insurance and Financial Services (DIFS). Here is what it takes to work as a licensed insurance agent in Michigan, from official sources checked November 4, 2026.
Who can become an insurance agent in Michigan?
- At least 18 years old
- Michigan resident
- Complete Michigan-approved pre-licensing education (waivers for CLU, ChFC, CPCU, AAI, CIC)
- Pass the Michigan licensing exam within 180 days of applying
- Answer the application background questions
Michigan insurance agent license requirements
| State license | Yes. Michigan requires a resident insurance producer license from the Department of Insurance and Financial Services (DIFS). |
|---|---|
| Licensed by | Michigan Department of Insurance and Financial Services (DIFS) |
| License name | Resident Producer (lines such as Life, Accident & Health, Property, Casualty, Personal Lines) |
| Education or training | Pre-licensing hours: Life 20, Accident & Health 20, Life and Health 40, Property 20, Casualty 20, Property and Casualty 40, Personal Lines 20; certificates are valid 12 months. |
| Exam | PSI administers Michigan insurance exams in person at PSI test centers (remote exams ended June 30, 2025). |
| Continuing education | 24 credits every two years, including at least 3 ethics credits; up to 12 extra credits carry over. |
How much does it cost?
| License application fee | $10.00 |
|---|---|
| Application transaction fee | $5.00 |
| PSI examination fee | $41 |
Fees as listed by the state. Schools, courses, exam prep, insurance and equipment cost extra and vary by provider.
Steps to become an insurance agent in Michigan
- Complete the approved pre-licensing course for each line
- File an Electronic Resident Licensing (ERL) application through NIPR and pay $10 plus $5
- Schedule the exam with PSI (online or 855-579-4639)
- Pass the exam at a PSI test center within 180 days of applying and within 12 months of the course
- Get appointed and complete 24 CE credits every two years
Apply on the official Michigan site
How do you check an insurance agent's license in Michigan?
- Search the name or license number on the official Michigan insurance agent license lookup.
- Check that the status is active and the name matches the person or company you're hiring.
- Ask how long they've been licensed and whether any complaints or discipline are on record.