Michigan Life and Health Insurance License Course and Exam Prep

1. Complete 40 hours of DIFS approved pre-licensing: 20 for Life and 20 for Accident & Health.
2. Pass the PSI exam, either the combined Life, Accident and Health exam or each line on its own.
3. Apply through NIPR within 12 months of passing.

Once DIFS approves you, you're licensed to sell in Michigan. Our licensing stepsPre License How Do You Get Your Insurance License In Michigan Resources guide covers every detail, or compare every line on our Michigan insurance licenseMichigan Pre License page.

Yes. Michigan requires 20 hours of DIFS approved pre-licensing for Life and 20 hours for Accident & Health before you can test, and each course includes 6 hours of ethics and Michigan law. See the full education requirementsPre License What Are The Pre Licensing Education Requirements For A Michigan Insurance License Resources.

Yes. Every lesson, quiz, and practice exam is online, so you can study on your laptop or on the Aceable Insurance appAceable Insurance App. Lessons are short, so your 40 hours fit around work and family. Only the PSI exam is in person.

Life Only covers life insurance and takes 20 hours. Life & Health adds Accident & Health, so you can also sell health and disability coverage, and it takes 40 hours. Only want to sell life? Start with our Life Only courseMichigan Life Pre License.

Coverage that protects people: life insurance, annuities, health insurance, and disability income. Want to sell auto and home coverage too? The All-in-One bundleMichigan All In One Pre License adds Property & Casualty.

You can take one combined exam or test each line on its own:

• Life, Accident and Health (combined) (exam 16-80): 150 questions, 2.5 hours, 75% to pass
• Life (exam 16-65): 100 questions, 2 hours, 72% to pass
• Accident and Health (exam 16-66): 100 questions, 2 hours, 76% to pass

Every exam has a general section and a Michigan law section. Our exam prep guidePre License How Do You Prepare For Michigans Insurance Licensing Exam Resources covers both.

75% on the combined Life, Accident and Health exam. If you test separately, Life takes 72% and Accident and Health takes 76%, the highest passing score in Michigan. Our exam cost guidePre License How Much Is The Michigan Insurance Licensing Exam Resources lists every score and fee.

The combined exam means one appointment and one $41 fee, with 150 questions in 2.5 hours. Two separate exams cost $41 each and take 2 hours apiece, but you can focus on one line at a time. Either way, finish the coursework for a line before you test on it.

12 months from the day you finish. If you don't pass your exam in that window, Michigan requires you to retake your pre-licensing course, so book your PSI exam soon after you finish.

You can retake it for $41 per attempt. And if you finish the course and don't pass, our Pass Guarantee gets you your money back. Before you rebook, read up on the common exam surprisesPre License What Catches First Time Michigan Insurance Exam Takers Off Guard Resources.

Submit your application through NIPR within 12 months. The state license fee is $10, plus NIPR's transaction fee. Once DIFS issues your license, it arrives in 10 to 14 business days. DIFS explains each step on its resident producer pageIndustry Licensing Ins Agnt Ins General Info How To Become Licensed As A Resident Producer Difs.

Life and health agents build long client relationships, since families come back as their needs change. Earnings depend on your carrier, your commission structure, and the book you build. See what agents earn in our Michigan salary guidePre License How Much Do Insurance Agents Make In Michigan Resources.