Michigan Insurance Prelicensing Requirements

MICHIGAN INSURANCE PRELICENSING INFORMATION

  • Michigan requires potential agents to take and complete a state approved prelicensing course before taking their licensing exam.

LICENSING EXAM INFORMATION

  • The exam is multiple choice and is given on a computer.

EXAM FEE

  • $40 per exam session

PASSING SCORE REQUIRED

  • 72% for the Life exam, 75% for the Accident and Health exam, 73% for the Life, Accident and Health or Property and Casualty exams, and 78% for the Personal Lines exam

EXAM BREAKDOWN

MICHIGAN LIFE INSURANCE

  • 100 questions

MICHIGAN ACCIDENT AND HEALTH OR SICKNESS INSURANCE

  • 100 questions

MICHIGAN LIFE, ACCIDENT AND HEALTH OR SICKNESS INSURANCE

  • 100 questions

MICHIGAN PROPERTY AND CASUALTY INSURANCE

  • 100 questions

MICHIGAN PERSONAL LINES

  • 100 questions

MICHIGAN INDEPENDENT ADJUSTER WITH WORKERS’ COMPENSATION

  • 100 questions

EXAM LOCATIONS

Computerized exams are given at PSI Testing Centers Monday- Saturday and select locations on Sunday

FREQUENTLY ASKED QUESTIONS

HOW DO I APPLY FOR MY LICENSE?

For questions regarding how to obtain a license after the examination has been passed, candidates should contact the Department of Insurance and Financial Services (DIFS) at (877) 999- 6442 or visit them online at www.michigan.gov/difs. After passing the examination, candidates must apply for their license within one year.

WHAT SHOULD I BRING TO THE TEST CENTER THE DAY OF MY INSURANCE EXAM?

Testing vendors will often ask for proof of Pre-License Education. It is therefore crucial that you bring your Certificate of Completion to the testing site. You cannot take anything into the test room with you other than what the proctor provides you. You will be able to leave your personal belongings in a locker in the testing center waiting room. They will provide you with a pen/pencil, scratch paper, and a basic function calculator at the test site.

IF I DON'T PASS IS THERE ANY WAITING PERIOD THAT APPLIES BEFORE I CAN RETAKE THE INSURANCE EXAM?

This computerized exam is scored immediately upon completion of the exam. If a candidate fails to score at least the required passing percentage on their exam, they must make a new appointment, repay the exam fee and retake the exam. Candidates can retake their exams as many times as needed as long as their Certificate of Completion is valid. Examination results are valid for one year from the date of examination.