Michigan’s ordinary first-time resident Life Producer pathway requires approved Life prelicensing education, standalone PSI exam 16-65, and an application through NIPR. Accident and Health and variable authority are separate.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Resident individual applicant
- General eligibility explanation
- Ordinary first-time Michigan resident individual seeking Life Producer authority; applicant must be at least 18.
Prelicensing education
- Prelicensing education required
- Yes
- Required education hours
- 20
- Education requirement explanation
- Complete an approved 20-hour Life course before testing. The completion certificate is valid for 12 months.
- Exemptions available
- Yes
- Exemption explanation
- DIFS may approve specified professional-designation or qualifying college-study prelicensing waivers. Document approval before omitting education.
Background
- Fingerprints required
- No
- Background check required
- No
- Fingerprint / background instructions
- The ordinary DIFS resident-producer checklist does not identify routine fingerprint enrollment. This is a scoped workflow conclusion, not an absolute exemption; background disclosures or case-specific documents may still be required.
Application
- Application required
- Yes
- Application fee
- $15 total: $10 Michigan state fee plus $5 NIPR transaction fee.
- Application channel / system
- NIPR
- Application instructions
- Apply through NIPR, complete approved Life education or document an approved waiver, and pass exam 16-65 within the applicable 180-day application and 12-month education windows.
- Official application reference
- https://www.michigan.gov/difs/industry/licensing-ins/agnt-ins/general-info/how-to-become-licensed-as-a-resident-producer
Renewal & maintenance
- Renewal cycle
- Perpetual while continuing-education compliant
- Renewal fee
- No ordinary periodic license-renewal fee identified; CE reporting may carry provider charges.
- CE required
- Yes
- CE hours
- 24
- CE cycle
- Every two years
- Ethics hours
- 3
- CE explanation
- Complete 24 credits every two years, including at least 3 ethics credits. Active-duty relief is conditional and request-based.
Portability
- Nonresident licensing available
- Yes
- Reciprocity / nonresident overview
- A producer moving to Michigan with equivalent authority may receive conditional examination or education relief depending on the time since surrender of the prior resident license.
Military / veteran / spouse
- Veteran-specific provisions
- Michigan provides conditional active-duty CE relief and may issue a discretionary temporary license to a qualifying designee of a producer entering active military service. These are not blanket ordinary-applicant waivers.
Source governance
- Primary authoritative source
- https://www.michigan.gov/difs/industry/licensing-ins/agnt-ins/general-info/how-to-become-licensed-as-a-resident-producer
- Secondary official sources
- DIFS prelicensing, examination, renewal and CE pages; PSI Michigan Candidate Information Bulletin 3560; NIPR Michigan resident individual requirements
- Statute / regulation reference
- Michigan Insurance Code, including MCL 500.1205, 500.1206 and 500.1211b
- Source reference URL
- https://test-takers.psiexams.com/api/content/bulletin/3560
- Last verified date
- 2026-08-24
- Verification status
- Verified
- Review / recheck date
- 2026-09-24
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