Michigan Rules


Cohn Training, Inc. Provider ID Number

License Coach Course Offerings

Life (59116) - 20 hours
Health (59117) - 20 hours
Life & Health combination is offered but treated as two separate courses

Individual Resident Producer Requirements

To qualify for a resident Michigan state insurance producer license, the applicant must satisfy the following requirements:

  • Be 18 years of age or older
  • Be a resident of Michigan
  • Complete an approved prelicense education course (see prelicense requirements below)
  • Pass a written examination
  • File a license application

PreLicense Education Requirements (PLE)

Applicants must complete 20-hours of prelicense education (PLE) for each major line of authority (LOA). An applicant who wishes to obtain a Life and Accident & Health license must complete 40 hours of PLE, and will receive a separate certificate of completion for each LOA.

State Candidate Handbook

Before making an exam reservation, applicants should thoroughly review the Licensing Examination Candidate Information Bulletin, which contains the exam content outlines and important information regarding eligibility and the examination and licensing application process.

PLE Course Delivery

Per Michigan PLE requirements, applicants are required to complete all of the lessons in the Prelicense education course before they can access the Prelicense final exam. 

PLE Course Exam

Passing Score: 70% or higher


NOTE: The state insurance license exam, administered by PSI, has higher minimum passing grades, as follows:

·    Accident & Health Producer exam             75%

·    Life Producer exam                                  72%

·    Life, Accident & Health Producer exam      73%

·    Property & Casualty Producer exam            73%

Exam Proctor Requirements: The final exam does not require a proctor.

Certificate of Completion

Downloaded within the course when all requirements have been met

Please note that certificates cannot be faxed to applicants since the provider representative's signature must be in ink other than black.

IMPORTANT: The licensing candidate must take the initial examination within 12 months of completing the PLE course.  If a passing exam score is not achieved by the end of the 12 months, applicants will have to retake the PLE course, and earn a new certificate of completion.

State Reporting Requirements 

Reported within one business day.

To report a Michigan Roster:

Go to Login information is - Username: Password: MIpassword3! Click PE Roster then click Roster By Individual Entry.

Enter the Course ID: Life (59116) or Health (59117), Completion Date (MMDDYYYY), Last 4 of the Social Security Number, First Name, Last Name, and Birthdate (MMDDYYYY) and click Insert.

If the student took the Life & Health combination course, then 2 rosters must be completed. Take a screenshot and save the confirmation to the student’s account.




License Application Process

1.  File an Electronic Resident Licensing (ERL) application through the National Insurance Producer Registry (NIPR) website. The license application fee is $10.00 plus a $5.00 transaction fee. An application is valid for 180 days from entry into our database.

2.   PLE requirements may be met by completing an approved 20-hour classroom course or completing an approved self-study course.

3. Successfully complete a Michigan licensing examination. If an examination is not passed within 180 days, the applicant must submit a new license application and fee on the NIPR website and reschedule their examination. Register for your State Exam online at https://, or by phone (800) 733-9267. 

Check Test Center Availability By Visiting: registration/ displayagencylicenses_home.jsp     

Exam Format/Materials Needed to take State Exam

-A primary ID (photograph and signature, not expired) such as a Driver’s License or Passport

-A secondary ID (signature, not expired) such as a Debit or Credit card

-Each major line exam is given in a multiple-choice format.

New Resident Producer Requirements

New residents who still hold an active license in their previous home state will not be required to complete prelicense education or take the license examination as long as:

  • The application is received within 90 days of their former home state license being surrendered
  • The license being applied for is the same line of authority as in the previous
  • If the prior home state license was surrendered more than 90 days ago, but less than 12 months ago, the applicant can obtain a license without prelicensing but must take the licensing examination

License Application Process

A nonresident licensee who wishes to become a resident licensee must apply online and submit the required application fees at

Materials Needed to Apply

  • completed insurance license application
  • the appropriate license application fees


Fingerprinting Process

There are no fingerprint requirements in the state of Michigan.

Nonresident Producer Requirements

Nonresident license candidates may obtain a Michigan agent license, without having to complete the prelicense education requirement or take a license examination, as long as they are currently licensed as a resident and in good standing in their home state.

License Application Process

Nonresidents must apply online and submit required fees at  Michigan will rely on verification of applicant's resident license through the State Producer Licensing Database in lieu of original letter of certification.

Materials Needed to Apply

completed insurance license application

the appropriate license application fees

Fingerprinting Process

There are no fingerprint requirements in the state of Michigan.

Contact Information

Michigan Department of Insurance and Financial Services (DIFS).

530 West Allegan, 7th Floor
Lansing, MI 48933
Phone: 517-284-8800
Fax: 877-999-6442
Web Site: Click here to visit the Michigan Department of Insurance and Financial Services Website

Phone:  800-733-9267
Web Site: Click here to visit PSI's Website

Candidates may contact NIPR with questions regarding electronic licensing application process at 816-783-8468 or at

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