How to get a Michigan life & health license
Requirements, exam, fees and the order to do things in — from the Michigan Department of Insurance and Financial Services and the exam handbook.
Step by step
- Complete pre-licensing education — 20 from a Michigan-approved provider.
- Schedule and pass the state exam with PSI ($41). Read the candidate handbook.
- Get fingerprinted if required — Not required.
- Apply for the license through NIPR or the Michigan Department of Insurance and Financial Services ($10).
- Get appointed by an insurance company (agents) and keep up with continuing education — 24 hours per renewal (license term: Perpetual (no renewal fee); CE every 2 years).
Pre-licensing & exam prep courses
- Kaplan Financial Education — state-approved pre-licensing and exam prep, the long-running market leader
- ExamFX — pre-licensing and exam prep with a pass guarantee
- AceableAgent — mobile-first pre-licensing courses
- XCEL Solutions — low-cost online pre-licensing and exam prep
Pick a course approved in Michigan. Some links may be affiliate links.
Michigan Life & Health requirements
| Life Producer (16-65) | Accident & Health Producer (16-66) | |
|---|---|---|
| Pre-licensing education | 20 verify | 20 verify |
| Exam vendor | PSI | PSI |
| Exam fee | $41 | $41 |
| Questions / time | 100 · 120 min | 100 · 120 min |
| License application fee | $10 verify | $10 verify |
| Fingerprints | Not required verify | Not required verify |
| Continuing education | 24 hours · Perpetual (no renewal fee); CE every 2 years | 24 hours · Perpetual |
Life Producer (16-65): Pre-licensing required (certificate valid 12 months). Combined Life/A&H (16-80): 150 Q, 150 min.
Minimum age 18. Sources: PSI Michigan DIFS Candidate Information Bulletin · PSI Michigan exam time/items/cut score table · PSI Michigan test listing (fees). Checked 2026-10. Values marked verify haven't been confirmed against an official source yet.
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Life & Health license rules across the US
Other Michigan licenses
Property & Casualty license · Adjuster license · All Michigan insurance licenses
Questions
How long does it take to get a life and health insurance license in Michigan?
The 20 of pre-licensing take most people 1–3 weeks. After you pass, license approval usually takes a few days to a few weeks after fingerprints clear.
How much does a Michigan Life & Health license cost?
State fees (exam + application) come to about $102, plus fingerprints and a course if you take one.
Who runs the Michigan insurance exam?
PSI. Book the exam on the vendor's site after reading the candidate handbook.