Michigan State Requirements

Required Continuing Education Hours

Life and Health Producers

24 CE hours, including 3 hours of ethics, are required every 2-year license term.

Annuity Training

  • Initial training requirement: All producers must complete a one-time annuity training course approved for at least 4 hours prior to selling, soliciting, or negotiating such products.

Long-Term Care (LTC)

  • Initial LTC training requirement: Before selling, soliciting, or negotiating LTC insurance products in Michigan, producers must complete an initial state-approved LTC training course.
  • Ongoing LTC training requirement: After completing the initial training requirement, producers must complete state-approved LTC training every 24 months thereafter.

Property and Casualty Producers

24 CE hours, including 3 hours of ethics, are required every 2-year license term.

Flood Insurance

All Michigan producers who are authorized to sell flood insurance must complete a one-time, 3-hour course approved for National Flood Insurance Program (NFIP) training.

Roster Fees

A roster fee of $1.00 per credit hour ordered is required to process course completion hours in Michigan and will be added automatically to your order before checkout.

Nonresident CE Requirements

Nonresident producers selling, soliciting, or negotiating LTC products are required to complete the same special training/education requirements as resident producers.

License Term

The license term is every 2 years, based on the first day of the producer’s birth month in odd- or even-numbered years.

  • Producers born in an even-numbered year and whose last review date was in 2009 are required to complete their CE by the first day of their birth month in 2012 and every two years thereafter.

  • Newly licensed producers born in an even-numbered year and licensed in 2009 are required to complete their CE by the first day of their birth month in 2012 and every two years thereafter.

CE Subject Requirements

Licensees must complete 3 hours in approved ethics courses. All other hours may be completed by taking courses approved in any line of authority. Any excess ethics hours taken during a license term will apply during that license term as general credit(s).

Producers may complete the CE requirements through self-study. The self-study course and exam can be either paper or online.

Final Exam Requirements

Exam proctor requirements:
Exams are required to be monitored by a disinterested third party. A disinterested third party is an individual with no family or financial relationship to the student; therefore, he or she shall not serve for examinations of family members, relatives, or dependents; employers or supervisors; employees or subordinates; partners, joint ventures, or co-owners; or anyone in whom the proctor or instructor has an economic or other interest in assuring the successful outcome of the examination.

Exam rules:
The final exam is closed book, and no outside information may be used to complete the exam. The final exam must be passed with a score of 70 percent or higher to receive credit. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.

CE Carryover Allowance

Effective 7/1/18, licensees with a 7/1/18 review date and later may be eligible for CE carryover. If they have more than the required 24 hours of CE, the extra hours, up to 12, may be carried forward to the next review period as "general" credits. Extra ethics hours will be able to be carried forward as well but will be considered "general"; not ethics. Licensees must complete the required number of credits in ethics (minimum of 3) each review period..

Course Repetition Rules

A course may not be taken for credit more than once within a 2-year license term.

Certificate of Completion

A producer must keep copies of each certificate of completion in his or her files for 5 years after course completion. Do not send the certificates of completion to the Michigan Department of Insurance and Financial Services.

License Renewal Process

Renewal invoices are no longer generated for resident or nonresident producers. The license is perpetual as long as the resident completes the Michigan CE requirements and the nonresident holds the appropriate home state resident license in good standing.

CE Exemptions

The following individuals are exempt from CE requirements:

  • Those who hold a limited life license

  • Those who hold a turkey, crop, and hail license

  • Those who hold a travel, accident, and baggage license

  • Those who hold a title license

  • Those who hold a credit products license

Helpful Links

Check your license status

View your CE transcript

Michigan DIFS Web site

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

AOIS provides information as a courtesy to individuals who are subject to continuing education (CE) as insurance producers, agents, adjusters and/or brokers. Although reasonable efforts have been made to ensure that the information provided here is accurate and current, neither AOIS nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.