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How to Get a Insurance producer License in Michigan (2026)

Quick answer

A $5 transaction fee is charged in addition to the $10 application fee.

Required hours

Complete an approved 20-hour classroom course or approved self-study course before the examination.

View official source

Exam

Successfully complete the Michigan licensing examination; an application must be replaced if no examination is passed within 180 days.

View official source

Renewal

Resident individual producer licenses are perpetual as long as the licensee is compliant with Continuing Education credit requirements

View official source

Continuing education

24 hours

View official source

Last verified Oct 25, 2026

How do I get this license?

  1. Check the licensing authority

    Board

    Michigan Department of Insurance and Financial Services

    Last verified Oct 25, 2026 — source and quotation
    Department of Insurance and Financial Services
    Official source
  2. Check your qualifications

    Required hours

    Complete an approved 20-hour classroom course or approved self-study course before the examination.

    Last verified Oct 25, 2026 — source and quotation
    PE requirements may be met by completing an approved 20-hour classroom course or completing an approved self-study course.
    Official source

    Exam

    Successfully complete the Michigan licensing examination; an application must be replaced if no examination is passed within 180 days.

    Last verified Oct 25, 2026 — source and quotation
    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
    Official source

    Age

    18 years old

    Last verified Oct 25, 2026 — source and quotation
    must be at least 18 years old
    Official source
  3. Prepare your application

    Apply with the agency

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    File an Electronic Resident Licensing (ERL) application
    Official source

    Reciprocity

    Michigan verifies the applicant's resident license through the State Producer Licensing Database instead of requiring an original certification letter.

    Last verified Oct 25, 2026 — source and quotation
    Michigan will rely on verification of the applicant’s Resident license through the State Producer Licensing Database in lieu of an original Letter of Certification.
    Official source
  4. Confirm your next step with the agency

    Review the official instructions for your situation before applying.

    Open the official agency page

What else should I know?

Agency guidance

A $5 transaction fee is charged in addition to the $10 application fee.

Last verified Oct 25, 2026 — source and quotation
The license application fee is $10.00 plus a $5.00 transaction fee.
Official source

Agency guidance

A producer license is required for the relevant qualification to sell, solicit or negotiate insurance.

Last verified Oct 25, 2026 — source and quotation
A person shall not sell, solicit, or negotiate insurance in this state for any line of insurance unless the person is licensed for that qualification in accordance with this chapter.
Official source

When do I renew, and is CE required?

Renewal

Resident individual producer licenses are perpetual as long as the licensee is compliant with Continuing Education credit requirements

Last verified Oct 25, 2026 — source and quotation
Resident individual producer licenses are perpetual as long as the licensee is compliant with Continuing Education credit requirements
Official source

Continuing education hours

24 hours

Last verified Oct 25, 2026 — source and quotation
Resident producers and solicitors must earn 24 credits of State-approved education credit every two years.
Official source

Continuing education topics

At least 3 of the 24 CE credits must cover ethics.

Last verified Oct 25, 2026 — source and quotation
Of the 24 credits, a minimum of 3 credits must be in "ethics" coursework.
Official source

Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.

What does it cost?

Application fee

$10

Last verified Oct 25, 2026 — source and quotation
The license application fee is $10.00 plus a $5.00 transaction fee.
Official source

Confirm the charges and conditions for your application with the official agency.

What are the common questions?

How often do I renew a insurance producer (life/health and property/casualty) license in Michigan?

Resident individual producer licenses are perpetual as long as the licensee is compliant with Continuing Education credit requirements

Source and quotation
Resident individual producer licenses are perpetual as long as the licensee is compliant with Continuing Education credit requirements
Official source

Last verified Oct 25, 2026

Which official sources support this guide?

Official sources and verification (12)

Last verified Oct 25, 2026. Each quotation supports the corresponding published value.

Board

Michigan Department of Insurance and Financial Services

Michigan Department of Insurance and Financial Services

Department of Insurance and Financial Services
Official source

Last verified Oct 25, 2026

Apply with the agency

Open the official agency page

https://www.michigan.gov/difs/industry/licensing-ins/agnt-ins/general-info/how-to-become-licensed-as-a-resident-producer

File an Electronic Resident Licensing (ERL) application
Official source

Last verified Oct 25, 2026

Qualifications / Required hours

Complete an approved 20-hour classroom course or approved self-study course before the examination.

Complete an approved 20-hour classroom course or approved self-study course before the examination.

PE requirements may be met by completing an approved 20-hour classroom course or completing an approved self-study course.
Official source

Last verified Oct 25, 2026

Qualifications / Exam

Successfully complete the Michigan licensing examination; an application must be replaced if no examination is passed within 180 days.

Successfully complete the Michigan licensing examination; an application must be replaced if no examination is passed within 180 days.

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
Official source

Last verified Oct 25, 2026

Qualifications / Age

18 years old

18

must be at least 18 years old
Official source

Last verified Oct 25, 2026

Fees / Application

$10

10

The license application fee is $10.00 plus a $5.00 transaction fee.
Official source

Last verified Oct 25, 2026

Renewal

Resident individual producer licenses are perpetual as long as the licensee is compliant with Continuing Education credit requirements

Resident individual producer licenses are perpetual as long as the licensee is compliant with Continuing Education credit requirements Applies to: Resident individual producers

Resident individual producer licenses are perpetual as long as the licensee is compliant with Continuing Education credit requirements
Official source

Last verified Oct 25, 2026

Continuing education hours

24 hours

24

Resident producers and solicitors must earn 24 credits of State-approved education credit every two years.
Official source

Last verified Oct 25, 2026

Continuing education topics

At least 3 of the 24 CE credits must cover ethics.

At least 3 of the 24 CE credits must cover ethics.

Of the 24 credits, a minimum of 3 credits must be in "ethics" coursework.
Official source

Last verified Oct 25, 2026

Reciprocity

Michigan verifies the applicant's resident license through the State Producer Licensing Database instead of requiring an original certification letter.

Michigan verifies the applicant's resident license through the State Producer Licensing Database instead of requiring an original certification letter.

Michigan will rely on verification of the applicant’s Resident license through the State Producer Licensing Database in lieu of an original Letter of Certification.
Official source

Last verified Oct 25, 2026

Agency guidance

A $5 transaction fee is charged in addition to the $10 application fee.

A $5 transaction fee is charged in addition to the $10 application fee.

The license application fee is $10.00 plus a $5.00 transaction fee.
Official source

Last verified Oct 25, 2026

Agency guidance

A producer license is required for the relevant qualification to sell, solicit or negotiate insurance.

A producer license is required for the relevant qualification to sell, solicit or negotiate insurance.

A person shall not sell, solicit, or negotiate insurance in this state for any line of insurance unless the person is licensed for that qualification in accordance with this chapter.
Official source

Last verified Oct 25, 2026

Not yet verified: license fee — see the official agency.

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What should I explore next?

Insurance producer (life/health and property/casualty) in neighboring states

Neighboring states use Census adjacency data, including water and point boundaries.

Related licenses in Michigan

What’s my next step?

Last verified Oct 25, 2026.

Official sources (6)

Not legal or tax advice. Confirm with the official agency before filing.