How to Get a Michigan Insurance License

Department of Insurance and Financial Services	Testing Provider (PSI)
(877) 999-6442	(800) 733-9267 or 855-579-4639

 

1. Complete a Prelicensing Course

If you would like to sell insurance as an insurance producer in Michigan, you must pass a licensing exam. To prepare for the licensing exam, you must take a state-approved insurance course.
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To satisfy the requirements for your course, you will need to pass a Certification Exam.  The Certification Exam is not monitored.  After passing the Certification Exam with a 70% or greater, you will receive a Certificate of Completion and your education will be reported to the state insurance department.  Prelicensing education is valid for one year from the date of completion; you will need to take and pass your state exam within this timeframe.

 

Line	Hours
Life	20
Accident and Health	20
Property	20
Casualty	20
Personal Lines	20

2. Pass a Licensing Exam

Making Exam Reservations

An exam fee must be paid at the time of reservation by credit card, debit card, voucher, or electronic check. You can make a reservation through the following methods:

• Online:  www.psiexams.com
• Phone:  (800) 733-9267
• Fax completed Registration Form to (702) 932-2666 and call PSI after 4 business days.
• Mail completed Registration Form and submit the appropriate exam fee to PSI Services LLC, ATTN: Examination Registration MI INS, 3210 E Tropicana * Las Vegas, NV * 89121. After 2 weeks, call PSI to schedule the exam at (800) 733-9267.

What to Bring

• 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

You will not be required to supply a copy of your Certificate of Completion at the exam.

Exam Procedures

• Report to the test center 30 minutes before the exam to sign in and verify identification.
• No talking or any other form of communication among candidates is permitted in the exam area.
• Children, cell phones, calculators, pagers, cameras, programmable electronic devices and recording devices of any kind are NOT allowed.
• No smoking, eating, or drinking will be allowed at the exam site.
• Dictionaries, books, papers, or study and reference materials are NOT permitted.
• You may not exit the building during the exam.
• Copying or communicating exam content is a violation of PSI security policy. Either may result in the disqualification of exam results and lead to legal action and prosecution.

PSI exam sites have additional procedures:

• You will have your picture taken prior to admittance into the exam.
• You may not wear a jacket, coat, or any type of hooded clothing into the exam room. Sweaters that do not have pockets are allowed.
• You may not bring a purse or backpack into the exam room.
• You will be asked to put these items in your vehicle. PSI only provides accordion-type folders for any items. These folders are left in the lobby and PSI is not responsible for the security of those items.
• You may not wear a wristwatch into the exam room and you will be asked to empty your pockets.

Exam Format

• Each major line exam is given in a multiple-choice format.
• The exam consists of two parts:
  1. The general section deals with basic insurance product knowledge
  2. The state section deals with insurance laws, rules, and regulations, and practices that are unique to Michigan
• Each exam contains “pretest” questions that are mixed in with the scored questions and are not identified. Pretest questions may not be covered in your educational materials and do not affect your final score!
• When you complete the exam, you will receive a score report marked “pass or fail”.
  • If you do not pass, you will immediately receive an unsuccessful exam results letter along with a diagnostic report indicating your strengths and weaknesses by exam portion.  Candidates can schedule another exam but must wait 24 hours before making the reservation.
  • If you pass, you will immediately receive a successful notification and performance summary on an exam results letter.

Michigan Exam Information
Exam Series	Exam Name	Exam Time	Total Questions	Passing Score
16-65	Life Producer	2 hrs	100	72%
16-66	Accident & Health Producer	2 hrs	100	76%
16-67	Property Producer	2 hrs	100	75%
16-68	Casualty Producer	2 hrs	100	74%
16-69	Personal Lines Producer	2 hrs	100	75%
16-80	Life, Accident & Health Producer	2 hrs 30 min	150	75%
16-81	Property & Casualty Producer	2 hrs 30 min	150	74%
16-83	Variable Life and Annuities Producer	1 hr	60	74%
16-84	Life, Variable Life and Annuities Producer	2 hrs 30 min	130	73%
16-85	Accident & Health Counselor	2 hrs	110	90%
16-73	Life Counselor	2 hrs	110	80%
16-76	Property & Casualty Counselor	2 hrs 30 min	150	80%

3. Apply for License

Apply for your license by completing an application at www.nipr.com.

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