Michigan Insurance Continuing Education Courses and Requirements

MICHIGAN CE COURSES

The following courses are currently available for Michigan:

Course NameCredit HoursLine of Authority
Anti-Money Laundering2.00Ethics
Ethical Practices: Avoiding E&O Claims3.00Ethics
Ethics & Insurance3.00Ethics
Indexed Product Training4.00Life
Principles of Life and Health Insurance12.00Life and Health
Annuity Suitability Certification Training4.00Life and Health/Annuity
Distribution Planning4.00Life/Health
Group Benefits & Worksite Insurance4.00Life/Health
Health Insurance Policies5.00Life/Health
Life Insurance Policy Types & Suitability6.00Life/Health
Medicare Supplement Insurance: Closing the Gap4.00Life/Health
Retirement Planning4.00Life/Health
Variable Life & Annuities5.00Life/Health
Long Term Care Certification Training8.00LTCP
LTC Certification Refresher4.00LTCP
NFIP Flood Insurance3.00PC
Businessowners Policy (BOP)4.00Property/Casualty
Commercial Lines: Property/Auto/Liability4.00Property/Casualty
Personal Lines7.00Property/Casualty

 

REQUIRED HOURS

Producers in Michigan are required to take 24 hours of CE, including 3 hours of ethics, every two- year license term. License terms are based on the first day of the licensee’s birth month every 2 years. Licensees who are born in an even year will renew on even years, those born in an odd year will renew on odd years. No carry over credits are allowed and a student cannot take a course more than once in a 2-year license term.

 

CATEGORY RESTRICTIONS

Students may take an approved course in any line of authority in order to obtain their Continuing Education credits, but it is recommended that they take courses pertaining to their license type.

 

SPECIAL TRAINING

• FLOOD INSURANCE TRAINING – Michigan licensed producers who sell National Flood Insurance Policies are required to take a one-time 3-hour course on Flood Insurance.

• ANNUITY TRAINING – Michigan producers must take a course approved for at least 4 hours before selling or soliciting any annuity products.

• LONG TERM CARE PARTNERSHIP TRAINING - Before a Producer can sell or solicit Long Term Care Insurance they must complete an initial 8 hours of Long Term Care Training. Producers must then complete a 4-hour ongoing training requirement every license term.  A producer who completes the Long Term Care Partnership training in any other state shall be compliant with the requirement.

 

COURSE PRESENTATION

• PROGRESSIVE – Students must progress through the curriculum by topic.

• CERTIFICATION EXAM – Students are required to pass the certification exam with a 70% or better. Exams must be monitored by a disinterested third party who certifies that the licensee completed the exam without outside assistance.

• STUDY BY TOPIC QUIZZES – ExamFX requires that all Study by Topic quizzes be passed with at least a score of 1%.

• STUDENT AND PROCTOR ATTESTATION – The student and proctor attestation must be completed following the certificate exam.

 

CERTIFICATES OF COMPLETION AND REPORTING

Your certificate of completion will be emailed to you within two (2) business days. Completions are reported to state entities within two (2) business days of the certificate having been issued. The state
 
charges $1.00 per credit hour and Sircon charges $1.00 per course in order to report completions. These fees are charged to the student before the certification exam may be accessed.


NONRESIDENT PRODUCERS

Nonresident producers are not required to take CE if they have completed CE in their home state and remain in good standing. Nonresidents are not required to submit proof of CE compliance to the state.

 

CE EXEMPTIONS

The following are exempt from Michigan CE requirements:

• Nonresidents

• Adjusters, unless they are also licensed in a major line of authority

• Limited life, turkey, Crop and Hail, Travel, Accident and Baggage, Title and Credit Producers


LICENSE RENEWAL

Producer’s licenses are now perpetual, as long as resident and nonresident producers complete the required CE of their home state and remain in good standing.

 

STATE CONTACT INFORMATION

Michigan Department of Insurance and Financial Services

Phone: 517-373-0220

Fax: 877-999-6442

 

Email: ofir-info@michigan.gov

Mailing Address:
P.O. Box 30220 Lansing, MI 48909


The information displayed above is for informational purposes only. ExamFX is not responsible for the accuracy of the information on this page. All steps have been taken to make sure that the information relayed on this page is accurate; however, information is subject to change without notice. It is the responsibility of the producer to be compliant per their states requirements.