Michigan Casualty Insurance — License Examination Requirements
US-MI · License preparation
This page provides licensing requirements, not a question bank. Review the applicable pathway and official sources below.
Licenses, application pathways and examination requirements
Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.
Insurance Producer (Business Entity)
Insurance agency license for the casualty-related qualifications requested; the licensed responsible individual is an applicant condition.
Licensing authority: Michigan Department of Insurance and Financial Services · Application information
Business entity nonresident continuing licensure
- Home State
- Maintain active home-state agency licensure in good standing.
- License Status
- Maintain active status and good standing, a qualified DRLP and required affiliations.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1205(2)
- Michigan DIFS renewal
Renewal, nonresident agency continuance
Business entity nonresident licensure
- Application
- Submit the appropriate NIPR entity application and fees.
- Character
- Disclose required background information for the entity and responsible affiliated persons.
- Entity
- Obtain FEIN and the required organizational/foreign-corporation or county filings.
- Home State
- For a nonresident, maintain the home-state resident agency license and reciprocity.
- Qualification
- Request casualty, personal-lines, or limited-lines property and casualty authority appropriate to the agency.
- Responsible Producer
- Designate a licensed individual producer responsible for agency compliance. The DRLP need not hold every agency line but must ensure compliance.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1205(2)
- Michigan DIFS agency nonresident
Business entity licensing, DRLP requirements
- Michigan Insurance Code, 1956 PA 218
MCL 500.1204e(1)
Business entity resident continuing licensure
- Home State
- Resident agency licenses are not required to renew while active and in good standing.
- License Status
- Maintain active status and good standing, a qualified DRLP and required affiliations.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1205(2)
- Michigan DIFS renewal
Renewal, resident agency continuance
Business entity resident licensure
- Application
- Submit the appropriate NIPR entity application and fees.
- Character
- Disclose required background information for the entity and responsible affiliated persons.
- Entity
- Obtain FEIN and the required organizational/foreign-corporation or county filings.
- Home State
- Resident business entity.
- Qualification
- Request casualty, personal-lines, or limited-lines property and casualty authority appropriate to the agency.
- Responsible Producer
- Designate a licensed individual producer responsible for agency compliance. The DRLP need not hold every agency line but must ensure compliance.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1205(2)
- Michigan DIFS agency resident
Business entity licensing, DRLP requirements
Surplus Lines Agency
Business entity specialty license; an active property and casualty agency license and affiliation with an active surplus-lines individual producer are required.
Licensing authority: Michigan Department of Insurance and Financial Services · Application information
Surplus lines agency annual renewal
- Affiliate
- Maintain at least one active affiliated surplus-lines producer; renewal by the agency alone does not preserve active status if its only affiliate fails to renew.
- Fee
- Pay the $100 annual renewal fee before March 31.
- Prerequisite
- Maintain the active property and casualty agency license.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1205(2)
- Michigan DIFS surplus renewal
Surplus-lines agency annual renewal and sole-affiliate limitation
Surplus lines agency nonresident initial licensure
- Affiliate
- Affiliate an individual holding active Michigan surplus-lines producer authority before the agency license issues.
- Application
- Submit the applicable entity NIPR application, fees and background disclosures; make organizational/county filings as required.
- Home State
- Maintain active home-state surplus-lines agency authority and reciprocity.
- Prerequisite
- Hold an active property and casualty agency license in Michigan.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1205(2)
- Michigan Insurance Code, 1956 PA 218
MCL 500.1905(3)(b)
- Michigan DIFS surplus agency nonresident
Surplus-lines agency licensing, mandatory licensed affiliate
- Michigan Insurance Code, 1956 PA 218
MCL 500.1204e(1)
Surplus lines agency nonresident reinstatement
- Affiliate
- The application must include affiliation of an active surplus-lines individual producer.
- Application
- Submit the appropriate entity NIPR application and fees; nonresident agencies must also maintain home-state authority.
- Prerequisite
- Maintain the active property and casualty agency license.
- Prior Status
- Inactive after nonpayment, surrender, lack of active affiliate, or applicable compliance suspension.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1205(2)
- Michigan DIFS surplus agency reinstatement
Surplus-lines agency nonresident reinstatement
Surplus lines agency resident initial licensure
- Affiliate
- Affiliate an individual holding active Michigan surplus-lines producer authority before the agency license issues.
- Application
- Submit the applicable entity NIPR application, fees and background disclosures; make organizational/county filings as required.
- Home State
- Resident business entity.
- Prerequisite
- Hold an active property and casualty agency license in Michigan.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1205(2)
- Michigan Insurance Code, 1956 PA 218
MCL 500.1905(3)(b)
- Michigan DIFS surplus agency resident
Surplus-lines agency licensing, mandatory licensed affiliate
Surplus lines agency resident reinstatement
- Affiliate
- The application must include affiliation of an active surplus-lines individual producer.
- Application
- Submit the appropriate entity NIPR application and fees; nonresident agencies must also maintain home-state authority.
- Prerequisite
- Maintain the active property and casualty agency license.
- Prior Status
- Inactive after nonpayment, surrender, lack of active affiliate, or applicable compliance suspension.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1205(2)
- Michigan DIFS surplus agency reinstatement
Surplus-lines agency resident reinstatement
Temporary Insurance Producer
Temporary authority to service a casualty insurance business in the circumstances stated in MCL 500.1211b, for no more than 180 days.
Licensing authority: Michigan Department of Insurance and Financial Services · Application information
Temporary producer: business entity successor
- Application
- Submit the electronic application. A permanent license after expiration requires the applicable permanent-licensure process.
- Discretion
- Issuance is at DIFS discretion for necessary servicing of the insurance business.
- Duration
- Maximum 180 days; authority cannot continue after disposition of the business.
- Eligibility
- Member or employee of a licensed business entity on death or disability of its designated producer.
- Sponsor
- DIFS may require a licensed-producer or insurer sponsor and restrict authority to protect insureds.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(1), opening provision, page 235
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(1), business-entity-successor
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(2)
- Michigan DIFS temporary
Temporary producer, no examination
Temporary producer: military designee
- Application
- Submit the electronic application. A permanent license after expiration requires the applicable permanent-licensure process.
- Discretion
- Issuance is at DIFS discretion for necessary servicing of the insurance business.
- Duration
- Maximum 180 days; authority cannot continue after disposition of the business.
- Eligibility
- Designee of a licensed producer entering active U.S. military service.
- Sponsor
- DIFS may require a licensed-producer or insurer sponsor and restrict authority to protect insureds.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(1), opening provision, page 235
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(1), military-designee
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(2)
- Michigan DIFS temporary
Temporary producer, no examination
Temporary producer: public interest
- Application
- Submit the electronic application. A permanent license after expiration requires the applicable permanent-licensure process.
- Discretion
- Issuance is at DIFS discretion for necessary servicing of the insurance business.
- Duration
- Maximum 180 days; authority cannot continue after disposition of the business.
- Eligibility
- Other circumstance in which the commissioner finds issuance best serves the public interest.
- Sponsor
- DIFS may require a licensed-producer or insurer sponsor and restrict authority to protect insureds.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(1), opening provision, page 235
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(1), public-interest
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(2)
- Michigan DIFS temporary
Temporary producer, no examination
Temporary producer: survivor
- Application
- Submit the electronic application. A permanent license after expiration requires the applicable permanent-licensure process.
- Discretion
- Issuance is at DIFS discretion for necessary servicing of the insurance business.
- Duration
- Maximum 180 days; authority cannot continue after disposition of the business.
- Eligibility
- Surviving spouse or court-appointed personal representative of a producer who dies or becomes mentally or physically disabled.
- Sponsor
- DIFS may require a licensed-producer or insurer sponsor and restrict authority to protect insureds.
Official no-examination sources
Effective from 2026-09-22.
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(1), opening provision, page 235
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(1), survivor
- Michigan Insurance Code, 1956 PA 218
MCL 500.1211b(2)
- Michigan DIFS temporary
Temporary producer, no examination