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Michigan Health 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.

Business Entity Insurance Producer — Accident and Health

Producer agency license; resident and nonresident entities have separate application pathways. The designated responsible licensed producer is a condition, not an examination of the entity.

Licensing authority: Michigan Department of Insurance and Financial Services · Application information

Nonresident business entity licensure
No examination is required for this applicant pathway.
Application
Submit the NIPR entity application and fees; affirmative background answers require attachments. Background checks cover the identified DRLPs, owners, partners, officers and directors.
Business identity
Obtain FEIN and the required corporate or partnership filings.
Eligibility
Entity must not have committed an act listed in MCL 500.1239(1); the DRLP’s individual licensure is a condition, not an examination administered to the entity.
Home state
Active resident business-entity producer license, qualifying authority in the home state and reciprocal nonresident licensing under MCL 500.1206a(1); DIFS verifies the resident license in the Producer database.
Responsible producer
Designate an individual licensed producer responsible for compliance; the DRLP need not hold every agency line, but is responsible for ensuring compliance.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity license continuation
No examination is required for this applicant pathway.
Good standing
Non-Resident individual and business entity (agency) producer licenses are perpetual as long as the home state license remains active and in good standing.
Responsible producer
Continue to maintain the designated responsible licensed producer and agency compliance under MCL 500.1205(2)(b).

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit the NIPR entity application and fees; affirmative background answers require attachments. Background checks cover the identified DRLPs, owners, partners, officers and directors.
Business identity
Obtain FEIN and the required corporate or partnership filings.
Eligibility
Entity must not have committed an act listed in MCL 500.1239(1); the DRLP’s individual licensure is a condition, not an examination administered to the entity.
Responsible producer
Designate an individual licensed producer responsible for compliance; the DRLP need not hold every agency line, but is responsible for ensuring compliance.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity license continuation
No examination is required for this applicant pathway.
Good standing
Resident business entity (agency) licenses are not required to renew as long as the license remains active and in good standing.
Responsible producer
Continue to maintain the designated responsible licensed producer and agency compliance under MCL 500.1205(2)(b).

Official no-examination sources

Effective from 2026-09-22.

Nonresident Limited Lines Insurance Producer — Limited Accident and Health Authority

Nonresident producer license preserving a home-state limited authority within the accident and health major line; the home-state license and its examinations are applicant conditions.

Licensing authority: Michigan Department of Insurance and Financial Services · Application information

Nonresident limited accident and health authority by reciprocity
No examination is required for this applicant pathway.
Examinations elsewhere
Home-state licensing and examinations are applicant conditions; there is no Michigan examination on this reciprocal route.
Home state
Licensed as a limited-lines producer in the home state; receive the same restricted authority, less than the associated accident and health major-line authority.
Reciprocity
Meet MCL 500.1206a(1), including home-state good standing, proper application, applicable fees and reciprocal licensing.

Official no-examination sources

Effective from 2026-09-22.

Nonresident limited accident and health license continuation
No examination is required for this applicant pathway.
Duration
Nonresident producer licenses are perpetual while the home-state license remains active and in good standing.
Home state
Maintain the active home-state license in good standing and remain within its limited scope.

Official no-examination sources

Effective from 2026-09-22.

Temporary Insurance Producer — Accident and Health

Discretionary temporary producer license servicing an accident and health insurance business; maximum 180 days, with limitations and sponsorship as imposed by DIFS.

Licensing authority: Michigan Department of Insurance and Financial Services · Application information

Temporary licensure — Member or employee of a licensed producer business entity after death or disability of its designated individual.
No examination is required for this applicant pathway.
Applicant category
Member or employee of a licensed producer business entity after death or disability of its designated individual.
Application
Submit the electronic licensing application; contact DIFS if the home state does not require licensure.
Discretion
DIFS must consider temporary licensure necessary for servicing an insurance business; issuance is discretionary.
Duration
No more than 180 days; license cannot continue after disposition of the business. A permanent license requires the applicable ordinary pathway.
Sponsor and limits
DIFS may limit authority, require a licensed producer or insurer sponsor responsible for all acts, impose similar protective requirements and revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure — Designee of a licensed producer entering active United States armed forces service.
No examination is required for this applicant pathway.
Applicant category
Designee of a licensed producer entering active United States armed-forces service.
Application
Submit the electronic licensing application; contact DIFS if the home state does not require licensure.
Discretion
DIFS must consider temporary licensure necessary for servicing an insurance business; issuance is discretionary.
Duration
No more than 180 days; license cannot continue after disposition of the business. A permanent license requires the applicable ordinary pathway.
Sponsor and limits
DIFS may limit authority, require a licensed producer or insurer sponsor responsible for all acts, impose similar protective requirements and revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure — Other circumstances in which DIFS determines that temporary licensure best serves the public interest.
No examination is required for this applicant pathway.
Applicant category
Other circumstances in which DIFS determines that temporary licensure best serves the public interest.
Application
Submit the electronic licensing application; contact DIFS if the home state does not require licensure.
Discretion
DIFS must consider temporary licensure necessary for servicing an insurance business; issuance is discretionary.
Duration
No more than 180 days; license cannot continue after disposition of the business. A permanent license requires the applicable ordinary pathway.
Sponsor and limits
DIFS may limit authority, require a licensed producer or insurer sponsor responsible for all acts, impose similar protective requirements and revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure — Surviving spouse or court appointed personal representative of a deceased or disabled licensed producer
No examination is required for this applicant pathway.
Applicant category
Surviving spouse or court-appointed personal representative of a deceased or disabled licensed producer; required to service the business during sale, recovery or replacement-personnel training and licensing.
Application
Submit the electronic licensing application; contact DIFS if the home state does not require licensure.
Discretion
DIFS must consider temporary licensure necessary for servicing an insurance business; issuance is discretionary.
Duration
No more than 180 days; license cannot continue after disposition of the business. A permanent license requires the applicable ordinary pathway.
Sponsor and limits
DIFS may limit authority, require a licensed producer or insurer sponsor responsible for all acts, impose similar protective requirements and revoke the license if public interests are endangered.

Official no-examination sources

Effective from 2026-09-22.