Michigan Property and Casualty Insurance License Course and Exam Prep

1. Complete 40 hours of DIFS approved pre-licensing: 20 for Property and 20 for Casualty.
2. Pass the PSI exam, either the combined Property and Casualty 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. Compare every line on our Michigan insurance licenseMichigan Pre License page.

Yes. Michigan requires 20 hours of DIFS approved pre-licensing for Property and 20 hours for Casualty 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.

Coverage that protects property and covers liability: auto, homeowners, renters, commercial property, and business liability insurance. Want to sell life and health too? Our All-in-One bundleMichigan All In One Pre License covers all four lines.

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

• Property and Casualty (combined) (exam 16-81): 150 questions, 2.5 hours, 74% to pass
• Property (exam 16-67): 100 questions, 2 hours, 75% to pass
• Casualty (exam 16-68): 100 questions, 2 hours, 74% 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.

74% on the combined Property and Casualty exam. If you test separately, Property takes 75% and Casualty takes 74%. 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.

Michigan also offers a Personal Lines license with its own 20 hour course. You can't hold Personal Lines and Property & Casualty together in Michigan, and full P&C lets you write commercial policies too, so it opens more doors.

Michigan's no-fault auto system lets drivers choose their personal injury protection (PIP) coverage level, so P&C agents help clients weigh those choices at every renewal. That makes knowledgeable agents valuable. Read how no-fault creates demandPre License How Does Michigans No Fault Auto System Create Demand For Insurance Agents Resources for Michigan agents.

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.

Yes. Study on your laptop or the Aceable Insurance appAceable Insurance App, anytime. Only the PSI exam is in person.

P&C policies renew, so the book you build can keep paying you year after year, and every driver and homeowner needs coverage. See what agents earn in our Michigan salary guidePre License How Much Do Insurance Agents Make In Michigan Resources.