Michigan State Requirements

Continuing Education Hours

  • 24 Hours Biennially including 3 Hours of Ethics.

License Renewal

  • Resident individual producer licenses are perpetual as long as the licensee is compliant with Continuing Education credit requirements which is determined by the month and year of birth.

Courses accepted for CE Credit

  • Classroom Courses
  • Self-Study Courses
  • Online Courses
  • Instructors will receive the same amount of credits as the attendees

Courses Subject Requirements

  • Three (3) hours of ethics each compliance period.
  • Twenty-One (21) hours can be completed for any line held.

Annuity Requirement

  • Producers and brokers must complete an annuity course approved by the commissioner of at least four hours in length and meet carrier producer training requirements. Completing a course in another state with requirements that “the commissioner determines to be substantially similar to this section satisfies the training requirements” for Michigan.

Long Term Care Requirement

  • All producers currently licensed to sell, solicit, or negotiate long-term care insurance must complete a one-time training course of not less than 8 hours. Nonresidents 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 a 4-hour LTC training every 24-month period.

Carryover Requirements

  • Public Act 67 of 2017 (the Act) became effective on June 30th, 2017. The Act allows: Resident Producers who completed more than 24 hours of CE for their current review period to carry over no more than 12 hours to the next review period. DIFS to implement this 1 year after the effective date of The Act, which will be July 1st, 2018. This means producers with a CE review date of July1st, 2018 and on, will be able to carry over credits if applicable. The Act does not allow: any hours in ethics to be carried over to the next review period. Duplicative CE hours to be carried over to the next review period, this means the CE credits earned in the current period cannot be a duplicate of what has already been taken.

Course Repetitionn

  • Credit will not be given for a course that is repeated within a compliance period.

Final Exam

  • It is the provider’s responsibility to assure licensees complete exams without assistance. Providers must use a disinterested third party to certify this action or schedule separate testing sessions at a specified location. A disinterested third party is a person who has no financial interest in the success or failure of a licensee maintaining an insurance license.
  • The disinterested third party must also certify the exam was closed book and no other assistance was used to obtain a passing score on the exam.
  • General Monitor Affidavit needed.


  • Individuals licensed 23 months or less at the time of the first CE compliance date are exempt for that first reporting period.
  • Individuals who apply for and receive a hardship waiver for terminal illness of self or of immediate family member who requires an ordinate amount of care by licensee or military duty.
  • Non-residents meeting your home state CE requirements will automatically comply with Michigan’s requirements.

For Additional Information, Please Contact:

Michigan Department of Insurance and Financial Services

Physical Address

530 W. Allegan, 7th Floor
Lansing, MI 48933

Mailing Address

P.O. Box 30220
Lansing, MI 48909-7720

Licensing Division Contact Information

Phone: (877) 999-6442 or (517) 284-8800
Fax: (517) 284-8837
State Website: www.michigan.gov/difs

Broker Educational Sales & Training, Inc. provides this information as a courtesy to our clients. Every effort is made to ensure that the information is accurate. However, this information is subject to change, become outdated, or be incorrect due to new legislation or official rulings. Please check with the state to ensure accuracy.

Revised 06/07/2017.