Insurance License Renewal
The license term is every 2 years, based on the first day of the producer’s birth month in odd- or even-numbered years.
License Renewal Process
Renewal invoices are no longer generated for resident or non-resident 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.
State Insurance Product Training Requirements
State required training for insurance producers that sell annuity products.
Frequency: One-time training must be complete prior to selling annuity products.
Long-Term Care Training
State required training for insurance producers that sell long-term care products.
Frequency: One-time training must be complete prior to selling, soliciting or negotiating LTC products.
*Residents who satisfy the training requirements of another state that are similar to Michigan's law will be deemed compliant for Michigan's requirement.
Frequency: Ongoing training must be completed every 24-months, following the initial training requirement.
NFIP Flood Training
State required training for insurance producers that sell flood insurance products.
Frequency: One-time training must be complete prior to selling flood products.
Insurance CE Exam Requirements
The final exam is closed book, and no outside information may be used to complete the exam. If the final exam is not passed on the first attempt, students have an unlimited number of retakes.
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.
Self-Study Final Exam: 70%
Repetition and Carryover
No excess CE credit hours may be carried over to the next 2-year license term.
A course may not be taken for credit more than once within a 2-year license term.
Reporting and Insurance CE Certificates of Completion
Certificates of Completion
WebCE provides online, printable certificates of completion in Michigan. Certificates of completion will be available to print online immediately after the final exam is passed. 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.
Next-Day Reporting: WebCE reports course completions to the Michigan DIFS every business day.
Insurance CE Course Requirements
Producers may complete the CE requirements through self-study. The self-study course and exam can be either paper or online.
Students should read the course material prior to taking the final exam.
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).
Non-Resident Insurance CE Requirements
State-Specific Insurance Product Training
Before selling, soliciting, or negotiating annuity products in Michigan, producers must complete a one-time annuity training course approved for at least 4 hours. *Non-residents who satisfy the training requirements of another state that are similar to Michigan's law will be deemed compliant for Michigan's requirement.
Long-Term Care Training
Prior to selling, soliciting, or negotiating long-term care insurance in Michigan producers must complete an initial training course of not less than 8 hours. *Non-residents who satisfy the training requirements of another state that are similar to Michigan's law will be deemed compliant for Michigan's requirement.
After completing the 8-hour initial training requirement, producers must complete 4 hours of LTC training every 24-month period.
Exemptions from Insurance CE Requirements
Insurance CE Exemptions
The following individuals are exempt from CE requirements:
- Adjusters do not have a CE requirement unless they are also a producer or solicitor.
- 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.
Michigan Department of Insurance and Financial Services
WebCE 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 WebCE nor its employees warrant or represent that this information is accurate and current. All information is subject to change without notice.