Michigan Insurance Continuing Education Courses and Requirements

Updated May 9, 2024

ExamFX Provider #0792



The following courses are currently available for Michigan:

Course NameCredit HoursLine of Authority
Anti Money-Laundering - Ethical Decision Making for Insurance Producers3.00Ethics
Ethical Practices: Avoiding E&O Claims3.00Ethics
Ethics & Insurance: How to Sell Ethically & Comply with the Law3.00Ethics
Front Line Fraud Prevention3.00Ethics
Indexed Product Training4.00Life
Principles of Life and Health Insurance12.00Life/Health
Annuity Suitability and Best Interest Standard Training4.00Best Interest 4 hr
Distribution Planning4.00Life
Group Benefits & Worksite Insurance4.00Health
Health Insurance Policies5.00Health
Life Insurance Policy Types & Suitability6.00Life
Medicare Supplement Insurance: Closing the Gap4.00Health
Retirement Planning4.00Life
Variable Life & Annuities5.00Life
Long Term Care Certification Training8.00LTC
Long Term Care Certificate Refresher4.00LTC
NFIP Flood Insurance3.00Flood
Businessowners Policy (BOP)4.00Property/Casualty
Commercial Lines: Property/Auto/Liability4.00Property/Casualty
Personal Lines: Protecting your Client's Home, Auto & Critical Risks7.00Property/Casualty
Principles of Property and Casualty Insurance13.00Property/Casualty



Producers in Michigan are required to take 24 hours of CE, including 3 hours of Ethics, every 2-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. Michigan allows up to 12 hours of credit to carry over to the next license term as general credit. Producers cannot take a course more than once in a 2-year license term. Licensee's are encouraged to complete CE hours at least 45 days prior to the renewal deadline.



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



• 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 licensed producers must complete a state approved 4-hour Annuity Best Interest course before selling or soliciting any annuity products.

• LONG TERM CARE 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 training in any other state shall be compliant with the requirement.



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

• CERTIFICATE EXAM – Licensees are required to pass the certificate 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%.

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



Your certificate of completion will be processed within two (2) business days and can be downloaded/printed from the "View Certificate(s)" link in the course launch portal. Completions are normally reported to the state within two (2) business days of the certificate having been issued. There is a state charge of $1.00 per credit hour in order to report completions. This fee will be charged prior to accessing the certificate exam.



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



The following are exempt from Michigan CE requirements:

• Individuals who apply for and receive a hardship waiver (i.e. military duty, terminal illness, or immediate family member who needs immense care by the licensee)

• Non-residents and Adjusters (unless they are also licensed in a major line of authority)

• Limited Life, Turkey, Crop & Hail, Travel, Accident and Baggage, Title and Credit Producers



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



Michigan Department of Insurance and Financial Services

Phone: 877-999-6442

Fax: 517-284-8837


Email: [email protected]

Website: www.michigan.gov/difs

Mailing Address:
P.O. Box 30220 Lansing, MI 48909-7720

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.