How To Become An Insurance Agent In Michigan

How to Become an Insurance Agent in Michigan

Getting your insurance license is the first step to becoming an insurance agent in Michigan. Life insurance, car insurance, home insurance, or business insurance all require a license to sell in any state.

Follow our step-by-step guide to get your insurance license in Michigan.

How To Get Your Insurance License In Michigan


Step 1

Step 1. Which Types of Insurance Licenses Do You Need?


Depending on what type of insurance agent you want to be or what types of policies you need to sell, you will need to choose what type or types of insurance licenses you need to get.

These are examples of the types of insurance policies you can sell with each type of license:

Most insurance agents choose to get both of these licenses, but if you will only sell one type of policy then you just need to choose which license fits your needs.



Step 2

Step 2. License Application


The first step to getting your license in Michigan is to apply for your license. If you have more than one line of authority that you would like to carry, be sure to apply for all of those lines.

The fee for an online application is $15 for as many lines as you would like. This application lasts for six (6) months, so you have plenty of time to study and pass exams for all of the lines you wish to receive.

Fill out your online application on the NIPR Michigan web page.



Step 3

Step 3. Insurance Pre-License Education


After you’ve determined which licenses you need, you must now take your Michigan insurance pre-license education courses.

Most folks choose to take their insurance pre-license course online. These courses are created specifically to give you the skills you need to pass the test. The types of licenses you choose (also known as “lines of authority”) will determine which courses you take.

Each line of authority in Michigan requires twenty (20) hours of pre-license education. This means that if you wish to get a Property and Casualty license, you must take forty (40) hours of pre-licensing, and for Life, Accident, and Health you must also take forty (40) hours.  

You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.

Recommended

For required insurance pre-license courses and exam prep, StateRequirement recommends:



Step 4

Step 4. Michigan Insurance License Exams


The next step after completing all of your pre-license coursework is to take the insurance exam. You will take one exam for each line that you wish to carry. In Michigan, Property and Casualty are in a combined test. Life, Accident, and Health are also combined as one exam.

This is a proctored test, which means that you will be in a controlled environment with a person watching you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam.

The fee for each attempt of the exams is $40. When you show up you must have a photo ID and the original pre-license education certificate.

The Life, Accident, and Health exam is one hundred fifty (150) questions long, and you have one hundred fifty (150) minutes to complete the exam. The minimum passing score is 73% (110 questions correct). Here is a copy of the Michigan Life, Accident, and Health Insurance Exam Outline.

The Property and Casualty exam is also one hundred fifty (150) questions long, and you have one hundred fifty (150) minutes to complete the exam. The minimum passing score is 73% (110 questions correct). Here is a copy of the Michigan Property and Casualty Insurance Exam Outline.

Check out our Insurance Exam Guide. It’s extremely in-depth, and will hopefully help you pass the first time.

Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.

Note: StateRequirement recommends that you study for one exam at a time, then after passing, starting on your next line. The exams are difficult enough on their own without confusing information from one line to another.

You may register to take your exams and find more information on the PSI Exams Michigan website.



Step 5

Step 5. Application Review


Once you have submitted your application and have filled all the other requirements, your license application will be reviewed by the state. Your background check will also be reviewed.

If everything is to acceptable standards your license should be issued within fourteen (14) days. If there are any items from your background check that need to be reviewed, it may slow down the process of issuance. If this is the case, the state may contact you to provide context to the issues that they have run into.

You should receive an email informing you of your license acceptance. If fourteen (14) days pass after submitting your application and you haven’t received an email, contact the Michigan Insurance License Office at (517) 284-8800.

The State of Michigan will also mail you a hard copy of your license once you have been approved.


Congratulations!

You’ve done the work, put in the time and effort, and now hold the key to your own success!  We’re proud of you. Take five (5) minutes and celebrate.







Michigan Department Of Insurance Contact Information

Mailing Address:

Department of Insurance and Financial Services
P.O. Box 30220
Lansing,  Michigan 48909-7720

Phone: (517) 284-8800

Email: [email protected]

Website: http://www.michigan.gov/difs




Information on this page has been gathered by a multitude of sources and was most recently updated in October 2019.

Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. Huge Hammer LLC and its members and affiliates are not responsible for any losses, monetary or otherwise. For more information, please contact your state's authority on insurance.Disclosure: StateRequirement has an affiliation with Kaplan Education company, and may receive compensation based on user activity on this site. We truly believe that Kaplan offers excellent products and services, and compliments the mission of StateRequirement.