Michigan retains separate Property and Casualty qualifications. The ordinary both-line route uses 40 hours of education and combined PSI exam 16-81; standalone exams remain alternatives.
Eligibility
- Minimum age
- 18
- Residency requirement / status
- Resident individual applicant
Prelicensing education
- Prelicensing education required
- Yes
- Required education hours
- 40
- Education requirement explanation
- Complete 40 combined hours; standalone alternatives require 20 hours each.
- Exemptions available
- Yes
- Exemption explanation
- Use only a DIFS-approved waiver or mover exception.
Background
- Fingerprints required
- No
- Background check required
- Yes
- Fingerprint / background instructions
- DIFS conducts background review. Current ordinary instructions do not direct a separate fingerprint appointment.
Application
- Application required
- Yes
- Application fee
- $15 total: $10 Michigan fee plus displayed $5 NIPR transaction fee.
- Application channel / system
- NIPR
- 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
- CE required
- Yes
- CE hours
- 24
- CE cycle
- Every two years
- Ethics hours
- 3
Portability
- Nonresident licensing available
- Yes
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 examination/PLE/cut-score pages; PSI Bulletin 3560 and 16-81 outline
- Source reference URL
- https://test-takers.psiexams.com/api/content/bulletin/3560
- Last verified date
- 2026-08-25
- Verification status
- Verified
- Review / recheck date
- 2026-09-25
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