How To Become An Insurance Agent In Michigan


What Kind Of Agent Are You Going To Be?

A majority of people who are applying for their insurance license have a plan in already in place of where they are going to use it. If you don't yet have a plan on how you will be using your insurance license, this is the place to start. Here are some of the questions that you should ask yourself:

  • What type of insurance am I going to sell?
  • Am I starting my own agency, or working inside of an existing agency? 
    • It may depend on how your agency is set up to tell you what type of licenses you need to hold.
  • What types of licenses does my company require me to hold? 

Answering these questions should give you tell you the types of insurance licenses you need. If you are still unsure of which lines to pursue, you can always ask the folks in the state licensing office at 517-284-8800 or email the License Department.


How To Get Your Insurance License In Michigan

 License Application

The first step in 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.


 Pre-License Education

After applying for your license, the next step in getting your Michigan insurance license is taking pre-license education courses. These are state required courses pertaining to the subject matter that will be on the license exam. To fill the pre-license requirement, you must complete a certain amount of credit hours depending on the lines of authority (types of licenses) you wish to attain.

For the Property & Casualty lines, you must take forty (40) hours of pre-licensing. The amount for the Life, Accident, & Health is forty (40) hours as well. You will receive a certificate upon completion of the course. Keep this certificate, as you will need it when taking your exam.

Most applicants choose to take these courses online, as it fits their schedule better, but there are also in person courses available. You should choose which format in which to take your courses based on your preferred method of learning. The goal isn't just to get the courses out of the way, it's to prepare you to pass your license exam on the first attempt.

StateRequirement recommends Kaplan Education Company for all pre-license education courses.

You can find a list course of approved Michigan pre-license education providers on the Michigan DIFS Education Search Tool.


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.


 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.




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,  MI  48909-7720
Phone: 517-284-8800


Information on this page has been gathered by a multitude of sources, and was most recently updated in August 2017.

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.