State Requirements

MICHIGAN STATE REQUIREMENTS

Continuing Education 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
  • Webinars
  • Instructors will receive the same amount of credits as the attendees

COURSE 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 REQUIREMENT

  • Effective July 1st, 2018, licensees with a July 1st, 2018 review date and later may be eligible for CE carryover. If they have more than the required 24 hours of CE, the extra hours, up to 12, may be carried forward to the next review period as "general" credits. Extra ethics hours will be able to be carried forward as well but will be considered "general"; not ethics. Licensees must complete the required number of credits in ethics (minimum of 3) each review period

COURSE REPETITION

  • 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

EXEMPTIONS

  • 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:

Department of Insurance and Financial Services
530 W. Allegan, 7th Floor
Lansing, MI 48933

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

Phone: 877-999-6442
517-284-8800
Fax: 517-284-8837

State Website: michigan.gov/difs

Revised 3/26/19